公开(公告)号：US08024261B2

公开(公告)日：2011-09-20

申请号：US11802306

申请日：2007-05-22

申请人： William C. Erbey ,  Christopher Kennedy ,  Bryan Hurley

发明人： William C. Erbey ,  Christopher Kennedy ,  Bryan Hurley

IPC分类号： G06Q40/00

CPC分类号： G06Q40/025 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q40/02

摘要： A method and system for electronically facilitating loan closing transactions that include sub-transactions involving third parties. The method and system provide functionality to quickly and easily order a sub-transaction and bill the respective party, or pay for the sub-transaction directly from various payment systems. An interactive closing document updates automatically as different services and sub-transactions are ordered. Designated parties to the transaction make and approve changes and updates to the interactive document as sub-transactions are completed and billed. The interactive document receives information from the earlier stages of the loan or mortgage transaction, and incorporates the information into the interactive closing document. Upon approval by all parties, at the closing of the transaction, the interactive closing document is generated as a hard copy for signature.

摘要翻译： 一种电子促进贷款结算交易的方法和系统，包括涉及第三方的次级交易。 该方法和系统提供快速轻松地订购子交易并对相应方进行帐单的功能，或直接从各种支付系统支付子交易。 随着订购不同的服务和子交易，交互式关闭文档将自动更新。 交易的指定方对交易文件进行更改和更新，因为子交易已完成并计费。 交互式文件从贷款或抵押交易的早期阶段收到信息，并将信息合并到交易闭幕文件中。 经各方批准后，交易结束时，交易结算单作为硬拷贝生成。

公开(公告)号：US20110178921A1

公开(公告)日：2011-07-21

申请号：US13076044

申请日：2011-03-30

申请人： William C. ERBEY ,  Christopher Kennedy ,  Bryan Hurley ,  Andrew Combs

发明人： William C. ERBEY ,  Christopher Kennedy ,  Bryan Hurley ,  Andrew Combs

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed.

摘要翻译： 通过提供借款人有资格接受的贷款的准确表示，这种方法和系统以电子方式促进房地产交易，这些贷款是根据实际数据而不是估计。 完成房地产交易所需的所有行动，从借款人信息入门到贷款的结算和融资，均无缝整合。 提供自动承保引擎，用于基于用户输入和/或现有数据生成决策矩阵。 根据决策矩阵选择适当的贷款，并将其传达给潜在的借款人。 选定贷款后，进行履行处理，贷款得到资助和关闭。

公开(公告)号：US07707055B2

公开(公告)日：2010-04-27

申请号：US10937879

申请日：2004-09-10

申请人： Ralph J. Behmoiras ,  William C. Erbey ,  Arthur J. Castner ,  Christopher Kennedy ,  Keith S. Reno

发明人： Ralph J. Behmoiras ,  William C. Erbey ,  Arthur J. Castner ,  Christopher Kennedy ,  Keith S. Reno

IPC分类号： G06Q40/00

CPC分类号： G06Q20/085 ,  G06Q10/0639 ,  G06Q10/0875 ,  G06Q30/0601 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q50/167

摘要： A method and system for managing business transactions, such as mortgages or other financial transactions. A business transaction between an end user and a financial institution includes sub-transactions between the end user and a vendor. A software system performs functions to complete the business transaction. Automated ordering allows an end user to quickly and easily order a sub-transaction without input from the financial institution or the vendor, and also automatically orders sub-transactions upon satisfaction of a trigger event. Vendor management functionality allows a financial institution to manage the transactions of a vendor. Qualitative performance analysis functionality allows an end user to monitor and evaluate a vendor's price, turn-around time, quality score, and overall score. Vendor distribution functionality distributes sub-transactions among vendors. Vendor management company functionality allows a vendor management company—a vendor that outsources some or all of its sub-transactions to independent service providers—to effectively use the system.

摘要翻译： 用于管理商业交易的方法和系统，如抵押或其他金融交易。 最终用户和金融机构之间的业务交易包括最终用户和供应商之间的子交易。 软件系统执行功能来完成业务交易。 自动订购允许最终用户快速轻松地订购子事务，而不需要来自金融机构或供应商的输入，并且在满足触发事件时也自动订购子事务。 供应商管理功能允许金融机构管理供应商的交易。 定性性能分析功能允许最终用户监视和评估供应商的价格，周转时间，质量得分和总体得分。 供应商分销功能在供应商之间分配子交易。 供应商管理公司的功能允许供应商管理公司 - 将其部分或全部子交易外包给独立服务提供商的供应商来有效地使用该系统。

公开(公告)号：US20110208660A1

公开(公告)日：2011-08-25

申请号：US13035859

申请日：2011-02-25

申请人： William C. ERBEY ,  Scott Paul CONRADSON

发明人： William C. ERBEY ,  Scott Paul CONRADSON

IPC分类号： G06Q10/00

CPC分类号： G06Q40/02 ,  G06Q30/016 ,  G06Q40/00 ,  H04M3/51

摘要： Methods and systems for providing information to a mortgage recipient or other customer of a financial institution. A system identifies potential customer inquiries and provides a list of scripts responsive to the potential customer inquiries. If none of the scripts address the customer's inquiry, the customer specifies the inquiry and an additional list of scripts is generated. The scripts include scripted text, account information, and financial transaction information. In one variation, the customer accesses a website maintained by the financial institution and views a script responsive to the inquiry. In another variation, the customer telephones a customer service agent who selects a script responsive to the inquiry, and reads the script to the customer. In yet another variation, the script is provided to the customer via an Interactive Voice Response system.

摘要翻译： 向金融机构的抵押人或其他客户提供信息的方法和系统。 系统识别潜在的客户查询，并提供响应潜在客户查询的脚本列表。 如果没有脚本解决客户的查询，则客户指定查询，并生成附加的脚本列表。 脚本包括脚本文本，帐户信息和金融交易信息。 在一个变化中，客户访问由金融机构维护的网站并且响应于查询查看脚本。 在另一个变体中，客户电话接听客户服务代理，该代理人响应于查询选择一个脚本，并将该脚本读取给客户。 在又一个变型中，脚本通过交互式语音响应系统提供给顾客。

公开(公告)号：US08005730B2

公开(公告)日：2011-08-23

申请号：US12111794

申请日：2008-04-29

申请人： William C. Erbey ,  Russell G. Bulman ,  Robert J. Leist ,  Mary K. Edgecomb ,  Donald Vetal ,  Armand Bonola ,  Stephanie M. Hudson ,  Jeffrey M. Neufeld ,  Debra Toussaint-Blackman ,  Rosemary Weaver ,  Sandy Blum ,  Federico Bucspun

发明人： William C. Erbey ,  Russell G. Bulman ,  Robert J. Leist ,  Mary K. Edgecomb ,  Donald Vetal ,  Armand Bonola ,  Stephanie M. Hudson ,  Jeffrey M. Neufeld ,  Debra Toussaint-Blackman ,  Rosemary Weaver ,  Sandy Blum ,  Federico Bucspun

IPC分类号： G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q20/023 ,  G06Q20/102 ,  G06Q30/00 ,  G06Q30/0633 ,  G06Q30/08 ,  G06Q40/00 ,  G06Q40/02

摘要： Systems and methods for tracking and billing expenses throughout a transaction, such as the sale or management of a real estate property. In one embodiment, a budget is created that details expected incomes on the property and costs associated with the sale or management of the property. The budget may be developed in accordance with specifications, such as line item maxima or total budget maxima, developed by the owner of the property. After a vendor has delivered goods or services described in the budget, the vendor creates an electronic invoice. Payment is delivered to the vendor through an Automated Clearing House system.

摘要翻译： 在整个交易中跟踪和计费费用的系统和方法，例如出售或管理房地产。 在一个实施例中，创建了预算，其中详细说明了与财产的销售或管理相关的财产和成本的预期收入。 预算可以根据物业所有者开发的规格制定，例如最大订单量或最大总预算。 供应商提供预算中描述的货物或服务后，供应商将创建电子发票。 付款通过自动结算所系统交付给供应商。

公开(公告)号：US20110150206A1

公开(公告)日：2011-06-23

申请号：US13039141

申请日：2011-03-02

申请人： Dale PICKFORD

发明人： Dale PICKFORD

IPC分类号： H04M3/00

CPC分类号： H04M3/5233 ,  H04M3/42059 ,  H04M3/42068 ,  H04M3/5158 ,  H04M3/5175 ,  H04M3/5183 ,  H04M3/5235 ,  H04M3/5237 ,  H04M3/5238 ,  H04M2203/551

摘要： A method and system for providing automated call center services, operating by identifying a caller, accessing the caller's account information, determining the likely reason for the call, identifying an agent skill group based on the likely reason for the call, and providing an available agent with access to the caller's account information, together with a script based on the likely reason for the call. Data and voice access to agents is combined with specialized methods and systems for determining agent optimization capabilities, thereby allowing multiple call centers located in geographically different areas to operate as a seamless virtual call center, having the capability to dynamically reorganize the structure of available agents, regardless of where located. Real time statistics allow determination of how many agents should be available and what skill sets those agents should have, thereby facilitating management decisions.

摘要翻译： 一种用于提供自动呼叫中心服务的方法和系统，通过识别呼叫者，访问呼叫者的帐户信息，确定呼叫的可能原因，基于呼叫的可能原因识别代理技能组，以及提供可用代理 可以根据呼叫的可能原因访问呼叫者的帐户信息以及脚本。 将代理的数据和语音访问与用于确定代理优化能力的专门的方法和系统相结合，从而允许位于地理上不同的区域中的多个呼叫中心作为无缝虚拟呼叫中心运行，具有动态重组可用代理的结构的能力， 不管位于哪里。 实时统计数据可以确定应该有多少代理可用，以及这些代理应该具备哪些技能，从而有助于管理决策。

公开(公告)号：US20110047058A1

公开(公告)日：2011-02-24

申请号：US12731912

申请日：2010-03-25

申请人： William C. Erbey ,  Ashish Pandey ,  Amanjeet Saluja ,  Ankush Gupta ,  Deepak Dhayanithy ,  Raman Guglani ,  Saket Giri ,  Sulabh Dhall

发明人： William C. Erbey ,  Ashish Pandey ,  Amanjeet Saluja ,  Ankush Gupta ,  Deepak Dhayanithy ,  Raman Guglani ,  Saket Giri ,  Sulabh Dhall

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00

摘要： A method, system, and computer program product for generating a model for predicting loan behavior, including receiving loan data for a plurality of loans; preparing the loan data for analysis; grouping the loans into a plurality of hierarchical segments based on shared characteristics; generating a logistic regression model for each segment; and generating an overall prediction model for at least one of prepayment, delinquency, and default across the plurality of segments. Grouping the loans into a plurality of segments based on shared characteristics may include grouping the loans based on loan type, change in Housing Price Index (HPI) since origination, and loan age. Generating a logistic regression model for each segment may include generating a regression model for the probabilities of each of prepayment, default, and delinquency for each of the segments.

摘要翻译： 一种用于生成用于预测贷款行为的模型的方法，系统和计算机程序产品，包括接收多个贷款的贷款数据; 准备贷款数据进行分析; 基于共享特征将贷款分组成多个分级段; 为每个细分生成逻辑回归模型; 以及为所述多个段中的预付费，违约和违约中的至少一个生成整体预测模型。 基于共享特征将贷款分为多个部分可以包括基于贷款类型，起始以来的房价指数（HPI）变化和贷款年龄对贷款进行分组。 为每个细分生成逻辑回归模型可能包括为每个分段的预付款，违约和违法犯罪的概率产生回归模型。