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1. 发明授权

US07324970B2 Home asset management account 有权
标题翻译：家庭资产管理账户
公开(公告)号：US07324970B2
公开(公告)日：2008-01-29
申请号：US10072729
申请日：2002-02-07
申请人： Brian Magruder , Doreen Oakes , Adam Epstein
发明人： Brian Magruder , Doreen Oakes , Adam Epstein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/105 , G06Q40/025
摘要： A method and apparatus for a home asset management account system is provided that combines a first mortgage account and an equity line of credit (LOC) and offers a periodic sweep feature between the first mortgage and equity LOC, a periodic property value review feature of the first mortgage, and a statement feature that provides a customer valuable information on the subject property estimated value and the relationship between the first mortgage and the equity LOC. The first mortgage and equity LOC results from a proprietary automated decisioning/pricing system, the periodic sweep feature, the periodic property value review feature, and a unique statement feature are bundled into a financial package available for customers.
摘要翻译：提供了一种用于家庭资产管理账户系统的方法和装置，其组合了第一抵押账户和权益信用额度（LOC），并提供第一抵押贷款和权益LOC之间的周期性扫描特征，第一抵押贷款和一个声明功能，为客户提供有关房产估价值和第一抵押贷款与权益LOC之间关系的宝贵信息。专有的自动化决策/定价系统，定期扫描功能，周期性财产价值审查功能和独特的声明功能的第一个抵押贷款和股权LOC被捆绑到可用于客户的财务包中。

2. 发明授权

US07860792B1 Home asset management account 有权
标题翻译：家庭资产管理账户
公开(公告)号：US07860792B1
公开(公告)日：2010-12-28
申请号：US12020502
申请日：2008-01-25
申请人： Brian Magruder , Doreen Oakes , Adam Epstein
发明人： Brian Magruder , Doreen Oakes , Adam Epstein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/105 , G06Q40/025
摘要： A home asset management account system is provided that includes a first mortgage account and an equity line of credit (LOC), a periodic sweep feature between the first mortgage and equity LOC, a periodic property value review feature of the first mortgage, and a statement feature that provides a customer valuable information on the subject property estimated value and the relationship between the first mortgage and the equity LOC. The first mortgage and equity LOC, results from a proprietary automated decisioning/pricing system, the periodic sweep feature, the periodic property value review feature, and a unique statement feature are bundled into a financial package available for customers.
摘要翻译：提供了一个家庭资产管理账户系统，包括第一抵押账户和权益信用额度（LOC），第一抵押贷款和股权LOC之间的定期扫描特征，第一抵押贷款的定期财产价值审查功能，以及一个声明功能为客户提供有关房产估价值和第一抵押贷款与权益LOC之间关系的宝贵信息。第一个抵押贷款和股权LOC由专有的自动化决策/定价系统，定期扫描功能，周期性财产价值审查功能和独特的报表功能组合到一个可供客户使用的财务包中。

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