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公开(公告)号:US20110022512A1
公开(公告)日:2011-01-27
申请号:US12872929
申请日:2010-08-31
IPC分类号: G06Q40/00
CPC分类号: G06Q40/02 , G06Q40/025
摘要: Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where exercising the option results in one or more terms of the mortgage loan being modified, and where one or more terms of the option are based at least partially on a non-mortgage relationship between a borrower associated with the mortgage loan and a lender associated with the mortgage loan.
摘要翻译: 本发明的实施例涉及用于提供,处理和/或提供具有一个或多个可行使选项的抵押贷款的方法和装置。 例如,在一些实施例中,提供了一种方法,其包括在非暂时性计算机可读介质中存储可行权期权的一个或多个条款,其中该期权被并入抵押贷款中,其中行使该期权的结果 抵押贷款的一个或多个条款被修改,以及期权的一个或多个条款至少部分地基于与抵押贷款相关联的借款人与与抵押贷款相关的贷款人之间的非抵押关系。
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公开(公告)号:US08595130B2
公开(公告)日:2013-11-26
申请号:US12872929
申请日:2010-08-31
IPC分类号: G06Q40/00
CPC分类号: G06Q40/02 , G06Q40/025
摘要: Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where exercising the option results in one or more terms of the mortgage loan being modified, and where one or more terms of the option are based at least partially on a non-mortgage relationship between a borrower associated with the mortgage loan and a lender associated with the mortgage loan.
摘要翻译: 本发明的实施例涉及用于提供,处理和/或提供具有一个或多个可行使选项的抵押贷款的方法和装置。 例如,在一些实施例中,提供了一种方法,其包括在非暂时性计算机可读介质中存储可行权期权的一个或多个条款,其中该期权被并入抵押贷款中,其中行使该期权的结果 抵押贷款的一个或多个条款被修改,以及期权的一个或多个条款至少部分地基于与抵押贷款相关联的借款人与与抵押贷款相关的贷款人之间的非抵押关系。
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公开(公告)号:US20110022507A1
公开(公告)日:2011-01-27
申请号:US12872922
申请日:2010-08-31
IPC分类号: G06Q40/00
摘要: Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where the mortgage loan includes a fixed interest rate, and where the option includes an interest rate modification feature, such that exercising the option results in the value of the fixed interest rate being modified from a first value to a second value.
摘要翻译: 本发明的实施例涉及用于提供,处理和/或提供具有一个或多个可行使选项的抵押贷款的方法和装置。 例如,在一些实施例中,提供了一种方法,其包括在非暂时计算机可读介质中存储可行权期权的一个或多个条款,其中该期权被并入抵押贷款中,其中按揭贷款包括 固定利率,以及期权包括利率修正功能的情况,使得行使期权导致将固定利率的价值从第一值修改为第二值。
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公开(公告)号:US08412622B2
公开(公告)日:2013-04-02
申请号:US12414435
申请日:2009-03-30
申请人: Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
发明人: Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
IPC分类号: G06Q40/00
CPC分类号: G06Q40/02 , G06Q40/00 , G06Q40/025
摘要: Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of their current credit worthiness and their current ability to save in relation to a budget. In this regard, the financial health indicator is based on a user's credit report score, such as one or more FICO type credit scores and the user's savings as indicated by a budget tracking system. In embodiments of the invention in which the financial health indicator is implemented in conjunction with a budget tracking system, the financial health indicator provides necessary feedback to the user that serves to inform the user as to how they are performing in terms of staying on track to their individual budget allocations. Additionally, in certain embodiments, the provider of the budget tracking system may provide for awards based on achieving a predefined financial health indicator level and/or score.
摘要翻译: 为财务健康指标提供系统,方法和计算机程序产品。 财务健康指标根据目前的信用状况和目前与预算相关的节省能力,提供用户财务状况的动态指示。 在这方面,财务健康指标基于用户的信用报告分数,例如一个或多个FICO类型信用评分,以及由预算跟踪系统指示的用户的储蓄。 在其中财务健康指标与预算跟踪系统一起实施的本发明的实施例中,财务健康指示器向用户提供必要的反馈,用于向用户通知关于如何在正在进行中 他们的个人预算拨款。 另外,在某些实施例中,预算跟踪系统的提供者可以基于实现预定义的财务健康指标水平和/或得分来提供奖励。
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公开(公告)号:US20100241584A1
公开(公告)日:2010-09-23
申请号:US12407874
申请日:2009-03-20
申请人: James P. Kirkman , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Susan S. Thomas , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , Sean M. O'Connor , Jeffrey H. Bierer
发明人: James P. Kirkman , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Susan S. Thomas , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , Sean M. O'Connor , Jeffrey H. Bierer
IPC分类号: G06Q40/00
摘要: Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax-deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator.
摘要翻译: 提供了用于配置灵活养老金账户的设备和方法。 灵活的养老金账户可以作为金融机构的产品提供。 可以选择用于管理账户资金分配,帐户资金分配,帐户修改和帐户管理的条款,以创建根据个人客户需求定制的账户。 帐户设计中的灵活性允许来自各种贡献者的不平等贡献以及向各种受益者分配不平等。 灵活的设计可以在某些实施例中与减税增长和最低收入保证相结合。 帐户管理和修改可能由帐户管理员掌握。
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公开(公告)号:US08447692B2
公开(公告)日:2013-05-21
申请号:US12407877
申请日:2009-03-20
申请人: Susan S. Thomas , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Sean M. O'Connor , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
发明人: Susan S. Thomas , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Sean M. O'Connor , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
IPC分类号: G06Q40/00
摘要: Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another.
摘要翻译: 提供了用于提供个人金融网络服务的装置和方法。 该方法可以使用电子信息处理平台。 该方法可以包括存储与第一参与者帐户有关的信息。 该方法还可以包括存储与第二参与者帐户有关的信息。 本发明的系统和方法还可以包括存储与包含第一参与者和第二参与者帐户的一组帐户有关的信息,其中第一所述帐户和第二所述帐户彼此独立地存储。
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公开(公告)号:US20100241561A1
公开(公告)日:2010-09-23
申请号:US12407965
申请日:2009-03-20
申请人: William F. Borowski , William J. Aheron , Judith M. Anderson , Kazi M. Ariff , Jeffrey H. Bierer , Steven K. Hayes , Shane A. Johnson , Jeffrey P. Judd , Thomas D. Kelley , James P. Kirkman , Yicong Li , Sean M. O'Connor , Carol A. Smith , Susan S. Thomas , Russell W. Tipper , Neal G. Wolfson
发明人: William F. Borowski , William J. Aheron , Judith M. Anderson , Kazi M. Ariff , Jeffrey H. Bierer , Steven K. Hayes , Shane A. Johnson , Jeffrey P. Judd , Thomas D. Kelley , James P. Kirkman , Yicong Li , Sean M. O'Connor , Carol A. Smith , Susan S. Thomas , Russell W. Tipper , Neal G. Wolfson
IPC分类号: G06Q40/00
CPC分类号: G06Q40/08 , G06Q20/102
摘要: A method for providing a lifestage insurance product for a customer includes receiving an insurance allocation for each of a plurality of lifestages. The plurality of lifestages includes a first lifestage and a second lifestage. Insurance coverage of a first lifestage is provided for the customer in accordance with the insurance allocation of the first lifestage. The insurance coverage from the insurance allocation for the first lifestage is shifted to the insurance allocation for the second lifestage upon determining a shift in lifestages has occurred.
摘要翻译: 为客户提供生活保险产品的方法包括为多个生活中的每一个接收保险分配。 多个生活包括第一生活和第二生活。 根据第一次生活的保险分配,为客户提供第一次生活保险。 第一次生活保险分配的保险范围,在确定生活转移发生时,转为第二次生活保险分配。
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公开(公告)号:US20100241559A1
公开(公告)日:2010-09-23
申请号:US12407831
申请日:2009-03-20
申请人: Sean M. O'Connor , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Susan S. Thomas , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
发明人: Sean M. O'Connor , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Susan S. Thomas , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
摘要: Apparatus and methods for providing an online financial social network service to a user. The method may include storing in a computer information about a financial goal of a first user. The method may additionally include receiving instructions to present a display reflecting the stored financial goal information. The method may also include authenticating a second user to access the first user online financial social network account.
摘要翻译: 用于向用户提供在线金融社交网络服务的装置和方法。 该方法可以包括在计算机中存储关于第一用户的财务目标的信息。 该方法可以另外包括接收指示以呈现反映所存储的财务目标信息的显示。 该方法还可以包括认证第二用户以访问第一用户在线财务社交网络帐户。
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公开(公告)号:US20100250430A1
公开(公告)日:2010-09-30
申请号:US12414435
申请日:2009-03-30
申请人: Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
发明人: Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
IPC分类号: G06Q40/00
CPC分类号: G06Q40/02 , G06Q40/00 , G06Q40/025
摘要: Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of their current credit worthiness and their current ability to save in relation to a budget. In this regard, the financial health indicator is based on a user's credit report score, such as one or more FICO type credit scores and the user's savings as indicated by a budget tracking system. In embodiments of the invention in which the financial health indicator is implemented in conjunction with a budget tracking system, the financial health indicator provides necessary feedback to the user that serves to inform the user as to how they are performing in terms of staying on track to their individual budget allocations. Additionally, in certain embodiments, the provider of the budget tracking system may provide for awards based on achieving a predefined financial health indicator level and/or score.
摘要翻译: 为财务健康指标提供系统,方法和计算机程序产品。 财务健康指标根据目前的信用状况和目前与预算相关的节省能力,提供用户财务状况的动态指示。 在这方面,财务健康指标基于用户的信用报告分数,例如一个或多个FICO类型信用评分,以及由预算跟踪系统指示的用户的储蓄。 在其中财务健康指标与预算跟踪系统一起实施的本发明的实施例中,财务健康指示器向用户提供必要的反馈,用于向用户通知关于如何在正在进行中 他们的个人预算拨款。 另外,在某些实施例中,预算跟踪系统的提供者可以基于实现预定义的财务健康指标水平和/或得分来提供奖励。
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公开(公告)号:US20100241546A1
公开(公告)日:2010-09-23
申请号:US12407877
申请日:2009-03-20
申请人: Susan S. Thomas , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Sean M. O'Connor , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
发明人: Susan S. Thomas , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Sean M. O'Connor , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
IPC分类号: G06Q40/00
摘要: Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another.
摘要翻译: 提供了用于提供个人金融网络服务的装置和方法。 该方法可以使用电子信息处理平台。 该方法可以包括存储与第一参与者帐户有关的信息。 该方法还可以包括存储与第二参与者帐户有关的信息。 本发明的系统和方法还可以包括存储与包含第一参与者和第二参与者帐户的一组帐户有关的信息,其中第一所述帐户和第二所述帐户彼此独立地存储。
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