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公开(公告)号：US20230079889A1
公开(公告)日：2023-03-16
申请号：US17472597
申请日：2021-09-11
Applicant: PollyEx, Inc.
Inventor： Adam Carmel , Karson Miller
Abstract: A computer implemented method for committing to a sale of loan products to selected buyers using a software application. The method includes receiving, with the application, a plurality of bids offered by prospective buyers for loans previously made to borrowers and offered for sale to the prospective buyers via the application; establishing a plurality of pools using the application, each of the plurality of pools defined by a buyer selected from the prospective buyers and at least one characteristic common to each of the loan products placed in the respective pool; configuring a graphical user interface to allow a seller to place each of the loan products offered for sale in one of the plurality of pools, respectively; and receiving from the seller a single user input via the graphical user interface, the single user input committing the sale of the loan products in each of the plurality of pools, respectively. A commitment to the sale of the loan products in each of the plurality of pools occurs substantially simultaneously on receipt of the single user input.
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公开(公告)号：US20230325912A1
公开(公告)日：2023-10-12
申请号：US18321221
申请日：2023-05-22
Applicant: POLLYEX, INC.
Inventor： Adam Carmel , Karson Miller
IPC: G06Q30/08 , G06Q30/0201
CPC classification number: G06Q30/08 , G06Q30/0206
Abstract: A computer implemented method for committing to a sale of loan products to selected buyers using a software application. The method includes establishing a plurality of pools using the application, each of the plurality of pools defined by a buyer selected from the prospective buyers and at least one characteristic common to each of the loan products placed in the respective pool; configuring a graphical user interface to allow a seller to place each of the loan products offered for sale in one of the plurality of pools, respectively; and receiving from the seller a single user input via the graphical user interface, the single user input committing the sale of the loan products in each of the plurality of pools, respectively. A commitment to the sale of the loan products in each of the plurality of pools occurs together on receipt of the single user input.
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公开(公告)号：US20230128463A1
公开(公告)日：2023-04-27
申请号：US17508101
申请日：2021-10-22
Applicant: PollyEx, Inc.
Inventor： Adam Carmel , Jon Foy , Mark Dellacca
Abstract: A method for a mortgage originator to define a specific mortgage product offered to borrowers, the specific mortgage product defined using a software application accessible via a graphical user interface presented in a display. The method includes establishing, with the software application, a plurality of rules available to apply to unique mortgage products. The method also includes establishing, with the software application, a first unique mortgage product, the first unique mortgage product characterized by at least one of a class, a category, a type, and a structure of the first unique mortgage product. The method also includes configuring, with the software application, a rule group including a combination of rules selected from the plurality of rules; applying, with the software application, the rule group to the first unique mortgage product to define a first specific mortgage product; and applying, with the software application, the rule group to a second unique mortgage product to define a second specific mortgage product.
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公开(公告)号：US20230081242A1
公开(公告)日：2023-03-16
申请号：US17472600
申请日：2021-09-11
Applicant: PollyEx, Inc.
Inventor： Adam Carmel , Karson Miller
Abstract: A computer implemented method for a seller to receive counter offers for the purchase of loan products being sold by the seller to selected buyers using a software application accessible via a graphical user interface presented in a display. In some embodiments, the method includes receiving, with the software application, a plurality of bids offered by prospective buyers via the software application for loans previously made to borrowers and offered for sale to the prospective buyers by the seller via the software application. The method also includes presenting, with the software application, information in the graphical user interface to uniquely identify each of the loans, each of the prospective buyers and each bid offered by the prospective buyers, and further, where multiple bids are received for a single loan included in the loans made available for sale, presenting with the software application, a graphical display element configured for a selection by the seller. In response to the selection of the graphical display element by the seller, a notification to a buyer selected from among the prospective buyers is communicated via the software application, the notification requesting a counter offer.
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Patent Agency Ranking
公开(公告)号：US12020317B2
公开(公告)日：2024-06-25
申请号：US18321221
申请日：2023-05-22
Applicant: POLLYEX, INC.
Inventor： Adam Carmel , Karson Miller
IPC: G06Q30/08 , G06Q30/0201
CPC classification number: G06Q30/08 , G06Q30/0206
Abstract: A computer implemented method for committing to a sale of loan products to selected buyers using a software application. The method includes establishing a plurality of pools using the application, each of the plurality of pools defined by a buyer selected from the prospective buyers and at least one characteristic common to each of the loan products placed in the respective pool; configuring a graphical user interface to allow a seller to place each of the loan products offered for sale in one of the plurality of pools, respectively; and receiving from the seller a single user input via the graphical user interface, the single user input committing the sale of the loan products in each of the plurality of pools, respectively. A commitment to the sale of the loan products in each of the plurality of pools occurs together on receipt of the single user input.
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公开(公告)号：US11763378B2
公开(公告)日：2023-09-19
申请号：US17472597
申请日：2021-09-11
Applicant: PollyEx, Inc.
Inventor： Adam Carmel , Karson Miller
IPC: G06Q30/08 , G06Q30/02 , G06Q30/0201
CPC classification number: G06Q30/08 , G06Q30/0206
Abstract: A computer implemented method for committing to a sale of loan products to selected buyers using a software application. The method includes receiving, with the application, a plurality of bids offered by prospective buyers for loans previously made to borrowers and offered for sale to the prospective buyers via the application; establishing a plurality of pools using the application, each of the plurality of pools defined by a buyer selected from the prospective buyers and at least one characteristic common to each of the loan products placed in the respective pool; configuring a graphical user interface to allow a seller to place each of the loan products offered for sale in one of the plurality of pools, respectively; and receiving from the seller a single user input via the graphical user interface, the single user input committing the sale of the loan products in each of the plurality of pools, respectively. A commitment to the sale of the loan products in each of the plurality of pools occurs substantially simultaneously on receipt of the single user input.
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公开(公告)号：US20240346575A1
公开(公告)日：2024-10-17
申请号：US18750900
申请日：2024-06-21
Applicant: POLLYEX, INC.
Inventor： Adam Carmel , Karson Miller
IPC: G06Q30/08 , G06Q30/0201
CPC classification number: G06Q30/08 , G06Q30/0206
Abstract: A computer implemented method for committing to a sale of loan products to selected buyers using a software application. The method includes receiving, with the application, a plurality of bids offered by prospective buyers for loans previously made to borrowers and offered for sale to the prospective buyers via the application; establishing a plurality of pools using the application, each of the plurality of pools defined by a buyer selected from the prospective buyers and at least one characteristic common to each of the loan products placed in the respective pool; configuring a graphical user interface to allow a seller to place each of the loan products offered for sale in one of the plurality of pools, respectively; and receiving from the seller a user input via the graphical user interface, the user input committing the sale of the loan products in each of the plurality of pools, respectively.
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公开(公告)号：US11734752B2
公开(公告)日：2023-08-22
申请号：US17472600
申请日：2021-09-11
Applicant: PollyEx, Inc.
Inventor： Adam Carmel , Karson Miller
IPC: G06Q30/00 , G06Q30/08 , G06Q30/0201
CPC classification number: G06Q30/08 , G06Q30/0206
Abstract: A computer implemented method for a seller to receive counter offers for the purchase of loan products being sold by the seller to selected buyers using a software application accessible via a graphical user interface presented in a display. In some embodiments, the method includes receiving, with the software application, a plurality of bids offered by prospective buyers via the software application for loans previously made to borrowers and offered for sale to the prospective buyers by the seller via the software application. The method also includes presenting, with the software application, information in the graphical user interface to uniquely identify each of the loans, each of the prospective buyers and each bid offered by the prospective buyers, and further, where multiple bids are received for a single loan included in the loans made available for sale, presenting with the software application, a graphical display element configured for a selection by the seller. In response to the selection of the graphical display element by the seller, a notification to a buyer selected from among the prospective buyers is communicated via the software application, the notification requesting a counter offer.
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公开(公告)号：US20230082727A1
公开(公告)日：2023-03-16
申请号：US17472596
申请日：2021-09-11
Applicant: PollyEx, Inc.
Inventor： Adam Carmel , Karson Miller
Abstract: A computer implemented method for a seller to commit to a sale of loan products to selected buyers using an application with a graphical user interface presented in a display. The method includes: receiving a plurality of bids offered by prospective buyers for loans previously made to borrowers and offered for sale to the prospective buyers by the seller, each of the respective plurality of bids including a bid having a bid value determined as a current value of a known benchmark adjusted by a set amount that is shared with the seller by the prospective buyer offering the bid; and organizing by the seller a plurality of pools of loan products within the graphical user interface to establish a plurality of virtual sales transactions, each of the plurality of virtual sale transactions illustrating a sales price for a plurality of loans included in each of the plurality of pools, each of the respective sale prices illustrating the bid price of record for the plurality of loans included in the pool.
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