公开(公告)号：US08392327B2

公开(公告)日：2013-03-05

申请号：US13537636

申请日：2012-06-29

申请人： Pat Sheehy ,  Lesley R. Corydon ,  David A. Clifton ,  George Black ,  Jay Roth ,  Panickos Palettas ,  Elaine Wistar ,  Julie Shuttlesworth

发明人： Pat Sheehy ,  Lesley R. Corydon ,  David A. Clifton ,  George Black ,  Jay Roth ,  Panickos Palettas ,  Elaine Wistar ,  Julie Shuttlesworth

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0215 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q30/0233 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q50/16

摘要： A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution with a reward payment amount. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The method additionally includes enabling the customer to make periodic mortgage payments from the checking account to the mortgage account and monitoring continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine implemented by at least one computer processor. The method further includes determining a reward payment amount to be made by the financial institution to each complying mortgage customer using a fulfillment engine implemented by the at least one computer processor, wherein the reward payment amount is a predetermined percentage of principal and interest.

摘要翻译： 公开了一种计算机实现的方法，用于奖励具有奖励支付金额的金融机构的抵押贷款客户。 该方法包括向符合条件的抵押贷款客户提供按揭配对系统的登记，其中资格要求包括符合条件的抵押贷款客户持有抵押账户和与金融机构的支票账户的要求。 该方法还包括使客户能够定期从支票账户到抵押贷款账户的抵押贷款，以及使用由至少一台计算机处理器实现的监控引擎来监视继续遵守资格要求和提交定期支付。 该方法还包括使用由至少一个计算机处理器实现的履行引擎来确定由金融机构对每个合规按揭客户进行的奖励支付金额，其中奖励支付金额是本金和利息的预定百分比。

公开(公告)号：US08229846B1

公开(公告)日：2012-07-24

申请号：US12503609

申请日：2009-07-15

申请人： Pat Sheehy ,  Lesley R. Corydon ,  David A. Clifton ,  George Black ,  Jay Roth ,  Panickos Palettas ,  Elaine Wistar ,  Julie Shuttlesworth

发明人： Pat Sheehy ,  Lesley R. Corydon ,  David A. Clifton ,  George Black ,  Jay Roth ,  Panickos Palettas ,  Elaine Wistar ,  Julie Shuttlesworth

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0215 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q30/0233 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q50/16

摘要： A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The customer makes periodic mortgage payments from the checking account to the mortgage account. The method monitors continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine. The method further includes determining a reward payment amount to be made to each complying mortgage customer, wherein the reward payment amount is a predetermined percentage of principal and interest paid during a predetermined time period. The calculated reward payment amount is transferred to a pre-selected accessible location for each complying mortgage customer.

摘要翻译： 公开了一种计算机实现的方法来奖励金融机构的抵押贷款客户。 该方法包括向符合条件的抵押贷款客户提供按揭配对系统的登记，其中资格要求包括符合条件的抵押贷款客户持有抵押账户和与金融机构的支票账户的要求。 客户定期将抵押贷款从支票账户支付给抵押账户。 该方法监测继续遵守资格要求并使用监控引擎提交定期支付。 该方法还包括确定对每个合规按揭客户进行的奖励支付金额，其中奖励支付金额是在预定时间段期间支付的本金和利息的预定百分比。 计算的奖励支付金额被转移到每个符合抵押贷款客户的预先选择的可访问位置。

公开(公告)号：US20120278149A1

公开(公告)日：2012-11-01

申请号：US13537636

申请日：2012-06-29

申请人： Sheehy Pat ,  Lesley R. Corydon ,  David A. Clifton ,  George Black ,  Jay Roth ,  Panickos Palettas ,  Elaine Wistar ,  Julie Shuttlesworth

发明人： Sheehy Pat ,  Lesley R. Corydon ,  David A. Clifton ,  George Black ,  Jay Roth ,  Panickos Palettas ,  Elaine Wistar ,  Julie Shuttlesworth

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0215 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q30/0233 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q50/16

摘要： A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution with a reward payment amount. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The method additionally includes enabling the customer to make periodic mortgage payments from the checking account to the mortgage account and monitoring continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine implemented by at least one computer processor. The method further includes determining a reward payment amount to be made by the financial institution to each complying mortgage customer using a fulfillment engine implemented by the at least one computer processor, wherein the reward payment amount is a predetermined percentage of principal and interest.

摘要翻译： 公开了一种计算机实现的方法，用于奖励具有奖励支付金额的金融机构的抵押贷款客户。 该方法包括向符合条件的抵押贷款客户提供按揭配对系统的登记，其中资格要求包括符合条件的抵押贷款客户持有抵押账户和与金融机构的支票账户的要求。 该方法还包括使客户能够定期从支票账户到抵押贷款账户的抵押贷款，以及使用由至少一台计算机处理器实现的监控引擎来监视继续遵守资格要求和提交定期支付。 该方法还包括使用由至少一个计算机处理器实现的履行引擎来确定由金融机构对每个合规按揭客户进行的奖励支付金额，其中奖励支付金额是本金和利息的预定百分比。