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1. 发明授权

US06988082B1 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 有权
标题翻译：通过住房金融业促进资本流动的计算机化系统和方法
公开(公告)号：US06988082B1
公开(公告)日：2006-01-17
申请号：US10331680
申请日：2002-12-30
申请人： Michael J. Williams , David N. Voth , Kimberly J. Hirsch , Michael W. Koch , Peter G. Kopperman , Richard N. Plotnick , Martin T. Schulz , Peter A. Simon
发明人： Michael J. Williams , David N. Voth , Kimberly J. Hirsch , Michael W. Koch , Peter G. Kopperman , Richard N. Plotnick , Martin T. Schulz , Peter A. Simon
IPC分类号： G06F17/60
CPC分类号： G06Q40/025 , G06Q40/10 , G06Q40/12
摘要： Computerized systems and methods facilitate the flow of capital through the housing finance industry. A system for determining an interest rate quote and points for a mortgage loan that are specific to a borrower includes input means for obtaining borrower and mortgage loan information, means for retrieving underwriting characteristics and means for calculating the interest rate quote and points based on the borrower and mortgage loan information and based on the underwriting characteristics. The means for calculating includes means for retrieving a required yield which reflects market conditions in a secondary mortgage market including being indicative of a price that can be obtained for the mortgage loan in the secondary mortgage market. The calculating means also includes means for determining an adjustment to the required yield associated with the mortgage loan based on credit risk posed by the borrower, the credit risk adjustment being determined as a function of at least a credit score, a loan-to-value ratio, and a mortgage loan purpose for the mortgage loan and the borrower. The calculating means further includes means for determining other adjustments to the required yield based on other parameters related to the mortgage loan and/or the borrower. The interest rate quote and points are calculated as a function of the required yield adjusted by the credit risk adjustment and the other adjustments.
摘要翻译：计算机化系统和方法通过住房金融业促进资本流动。用于确定借款人特定的按揭贷款的利率报价和点数的制度包括获取借款人和抵押贷款信息的输入方式，检索承保特征的手段和计算利率报价的手段和基于借款人的点和抵押贷款信息，并根据承销特征。计算方法包括检索反映二级抵押市场市场状况的所需收益率的手段，包括指示二级抵押市场中按揭贷款可获得的价格。所述计算手段还包括用于根据所述借款人提供的信用风险来确定与所述抵押贷款相关的所需收益的调整的手段，所述信用风险调整被确定为至少信用评分，贷款价值比例，以及按揭贷款和借款人的按揭贷款目的。计算装置还包括用于基于与抵押贷款和/或借款人相关的其他参数来确定对所需收益的其他调整的装置。利率报价和点数是根据信用风险调整和其他调整调整的所需收益的函数计算的。

2. 发明授权

US07765151B1 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 有权
标题翻译：通过住房金融业促进资本流动的计算机化系统和方法
公开(公告)号：US07765151B1
公开(公告)日：2010-07-27
申请号：US11490614
申请日：2006-07-21
申请人： Michael J. Williams , Peter G. Kopperman , David N. Voth , Richard N. Plotnick , Peter A. Simon , Kimberly J. Thurow , Michael W. Koch , Martin T. Schulz
发明人： Michael J. Williams , Peter G. Kopperman , David N. Voth , Richard N. Plotnick , Peter A. Simon , Kimberly J. Thurow , Michael W. Koch , Martin T. Schulz
IPC分类号： G06Q99/00
CPC分类号： G06Q40/025 , G06Q40/10 , G06Q40/12
摘要： A computer implemented data processing system comprises a pricing engine and user interface program logic. The pricing engine is configured to calculate a price for an individual mortgage loan for a sale of the individual mortgage loan from a loan originator to a secondary mortgage market purchaser. The price is calculated prior to closing of the mortgage loan based on mortgage loan application data for a borrower associated with the mortgage loan. The user interface logic is configured to generate one or more screen displays configured to present the price to the loan originator prior to closing of the loan. The one or more screen displays are also configured to receive a commitment from the loan originator for the sale of the individual mortgage loan to the secondary mortgage market purchaser.
摘要翻译：计算机实现的数据处理系统包括定价引擎和用户界面程序逻辑。定价引擎被配置为计算个人抵押贷款的价格，用于从贷款发起人向次级抵押市场购买者出售个人抵押贷款。价格是在抵押贷款结算之前根据与抵押贷款相关的借款人的抵押贷款申请资料计算的。用户界面逻辑被配置为生成一个或多个屏幕显示，其被配置为在贷款结束之前向贷款发起者呈现价格。一个或多个屏幕显示器还被配置为从贷款发起者接收用于向第二抵押市场购买者出售个人抵押贷款的承诺。

3. 发明授权

US08244628B1 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 有权
标题翻译：通过住房金融业促进资本流动的计算机化系统和方法
公开(公告)号：US08244628B1
公开(公告)日：2012-08-14
申请号：US12831893
申请日：2010-07-07
申请人： Michael J. Williams , Peter G. Kopperman , David N. Voth , Richard N. Plotnick , Peter A. Simon , Kimberly J. Thurow , Michael W. Koch , Martin T. Schulz
发明人： Michael J. Williams , Peter G. Kopperman , David N. Voth , Richard N. Plotnick , Peter A. Simon , Kimberly J. Thurow , Michael W. Koch , Martin T. Schulz
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q40/10 , G06Q40/12
摘要： A computer implemented data processing system comprises a pricing engine and user interface program logic. The pricing engine is configured to calculate a price for an individual mortgage loan for a sale of the individual mortgage loan from a loan originator to a secondary mortgage market purchaser. The price is calculated prior to closing of the mortgage loan based on mortgage loan application data for a borrower associated with the mortgage loan. The user interface logic is configured to generate one or more screen displays configured to present the price to the loan originator prior to closing of the loan. The one or more screen displays are also configured to receive a commitment from the loan originator for the sale of the individual mortgage loan to the secondary mortgage market purchaser.
摘要翻译：计算机实现的数据处理系统包括定价引擎和用户界面程序逻辑。定价引擎被配置为计算个人抵押贷款的价格，用于从贷款发起人向次级抵押市场购买者出售个人抵押贷款。价格是在抵押贷款结算之前根据与抵押贷款相关的借款人的抵押贷款申请资料计算的。用户界面逻辑被配置为生成一个或多个屏幕显示，其被配置为在贷款结束之前向贷款发起者呈现价格。一个或多个屏幕显示器还被配置为从贷款发起者接收用于向第二抵押市场购买者出售个人抵押贷款的承诺。

4. 发明授权

US5715910A Stairway platform 失效
标题翻译：楼梯平台
公开(公告)号：US5715910A
公开(公告)日：1998-02-10
申请号：US504998
申请日：1995-07-20
申请人： Michael W. Koch , Lynette K. Koch
发明人： Michael W. Koch , Lynette K. Koch
IPC分类号： E06C7/44 , E04C3/00
CPC分类号： E06C7/081 , E06C7/426
摘要： This invention relates to a stairway platform device which is used upon a stairway to provide a stable base to assist an individual in reaching the highest portions of a wall during painting and/or wallpapering activities. The stairway platform device generally includes a platform, a front support wall which may include a retractable tuck-under leg, a rear support wall which may include a handle and/or a storage compartment, and a pair of side support walls; each side support wall including a plurality of step engagement edges and riser engagement edges. The side support walls, front support wall, and rear support wall preferably depend and are flared outwardly from the platform. Each of the side support walls, front support wall, and rear support wall may additionally include flanges which may be utilized to assist in the stacking and storage of a plurality of stairway platform devices during periods of non-use.
摘要翻译：本发明涉及一种楼梯平台装置，其在楼梯上使用以提供稳定的基座，以帮助个人在绘画和/或壁纸活动期间到达墙壁的最高部分。楼梯平台装置通常包括平台，前支撑壁，其可包括可伸缩的下卷腿，可包括手柄和/或储藏室的后支撑壁和一对侧支撑壁; 每个侧支撑壁包括多个台阶接合边缘和立管接合边缘。侧支撑壁，前支撑壁和后支撑壁优选地从平台向外张开并向外张开。侧支撑壁，前支撑壁和后支撑壁中的每一个可另外包括凸缘，其可用于在不使用期间协助堆叠和存储多个楼梯平台装置。

5. 发明授权

US07925579B1 System and method for processing a loan 有权
标题翻译：处理贷款的制度和方法
公开(公告)号：US07925579B1
公开(公告)日：2011-04-12
申请号：US11322358
申请日：2005-12-30
申请人： David R. Flaxman , Minerva L. Tantoco-Hobbs , Anne M. Murphy Kobus , Michael W. Koch , Daniel Packer , Peter G. Plofchan , Richard C. Pomeroy
发明人： David R. Flaxman , Minerva L. Tantoco-Hobbs , Anne M. Murphy Kobus , Michael W. Koch , Daniel Packer , Peter G. Plofchan , Richard C. Pomeroy
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A method of managing pipeline risk comprises processing a plurality of mortgage loan applications and managing pipeline risk based on status information for the mortgage loan applications. The processing is performed by a computer-implemented workflow engine responsive to user inputs. The processing includes prompting a user to perform tasks that need to be performed in connection with the mortgage loan applications and maintaining status information relating to status of the tasks that need to be performed. The pipeline risk is managed based on the status information for the mortgage loan applications maintained by the workflow engine.
摘要翻译：一种管理管道风险的方法包括：根据抵押贷款申请的状态信息处理多个抵押贷款申请并管理管道风险。该处理由响应于用户输入的计算机实现的工作流引擎执行。该处理包括提示用户执行与抵押贷款申请有关的需要执行的任务，以及维护与需要执行的任务的状态相关的状态信息。管理风险是根据工作流引擎维护的抵押贷款申请的状态信息进行管理的。

6. 发明授权

US08489498B1 System and method for processing a loan 有权
标题翻译：处理贷款的制度和方法
公开(公告)号：US08489498B1
公开(公告)日：2013-07-16
申请号：US11322934
申请日：2005-12-30
申请人： David R. Flaxman , Minerva L. Tantoco-Hobbs , Anne M. Murphy Kobus , Michael W. Koch , Daniel Packer , Peter G. Plofchan , Richard C. Pomeroy
发明人： David R. Flaxman , Minerva L. Tantoco-Hobbs , Anne M. Murphy Kobus , Michael W. Koch , Daniel Packer , Peter G. Plofchan , Richard C. Pomeroy
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A computer-implemented mortgage loan application data processing system comprises a workflow engine and workflow analysis logic. The workflow engine has stored therein a list representing tasks that need to be performed in connection with a mortgage loan application associated with a lender. The workflow engine is configured to prompt users to perform the tasks and to track performance of the tasks. The workflow analysis logic includes fallout prediction logic configured to receive status information from the workflow engine concerning status of the tasks that need to be performed in connection with the mortgage loan application. The workflow analysis logic is configured to predict a probability of fallout for the mortgage loan application based on the status information.
摘要翻译：计算机实施的抵押贷款申请数据处理系统包括工作流引擎和工作流分析逻辑。工作流引擎已经在其中存储了表示与贷款人相关联的抵押贷款申请需要执行的任务的列表。工作流引擎被配置为提示用户执行任务并跟踪任务的性能。工作流分析逻辑包括配置成从工作流引擎接收有关与抵押贷款申请相关的需要执行的任务的状态的状态信息的落下预测逻辑。工作流分析逻辑被配置为基于状态信息来预测抵押贷款申请的落后概率。

7. 发明授权

US08423451B1 System and method for processing a loan 有权
标题翻译：处理贷款的制度和方法
公开(公告)号：US08423451B1
公开(公告)日：2013-04-16
申请号：US11322838
申请日：2005-12-30
申请人： David R. Flaxman , Minerva L. Tantoco-Hobbs , Anne M. Murphy Kobus , Michael W. Koch , Daniel Packer , Peter G. Plofchan , Richard C. Pomeroy
发明人： David R. Flaxman , Minerva L. Tantoco-Hobbs , Anne M. Murphy Kobus , Michael W. Koch , Daniel Packer , Peter G. Plofchan , Richard C. Pomeroy
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A computer-implemented data processing system for managing processing of mortgage loan applications comprises task manager logic configured to generate a first list representing a first plurality of tasks to be performed in connection with a mortgage loan application. The task manager logic is also configured to generate a second list representing a second plurality of tasks to be performed in connection with the mortgage loan application. The second list is generated after work has been performed in connection with processing the first list. The task manager logic comprises reconciliation logic configured to reconcile the first and second lists so that the work performed during processing of the first list is reflected in the second list.
摘要翻译：用于管理抵押贷款申请的处理的计算机实现的数据处理系统包括被配置为生成表示与抵押贷款申请结合执行的第一多个任务的第一列表的任务管理器逻辑。任务管理器逻辑还被配置为生成表示与抵押贷款申请结合执行的第二多个任务的第二列表。第二个列表是在处理第一个列表后执行工作后生成的。任务管理器逻辑包括协调逻辑，其被配置为协调第一和第二列表，使得在处理第一列表期间执行的工作反映在第二列表中。

8. 发明授权

US07653592B1 System and method for processing a loan 有权
标题翻译：处理贷款的制度和方法
公开(公告)号：US07653592B1
公开(公告)日：2010-01-26
申请号：US11322734
申请日：2005-12-30
申请人： David R. Flaxman , Minerva L. Tantoco-Hobbs , Anne M. Murphy Kobus , Michael W. Koch , Daniel Packer , Peter G. Plofchan , Richard C. Pomeroy
发明人： David R. Flaxman , Minerva L. Tantoco-Hobbs , Anne M. Murphy Kobus , Michael W. Koch , Daniel Packer , Peter G. Plofchan , Richard C. Pomeroy
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A computer-implemented mortgage loan application data processing system comprises user interface logic and a workflow engine. The user interface logic is configured to receive mortgage loan application data for a mortgage loan application from a borrower. The workflow engine has stored therein a list representing tasks that need to be performed in connection with the mortgage loan application, including tasks for fulfillment of underwriting conditions. The workflow engine is configured to cooperate with the user interface logic to prompt the borrower to perform the tasks. The system is configured to provide the borrower with a fully-verified approval for the mortgage loan application. The fully-verified approval indicates that the mortgage loan application data received from the borrower has already been verified as accurate using information from trusted sources. The mortgage loan application may then be provided to different lenders with the different lenders being able to authenticate the fully-verified approval status.
摘要翻译：计算机实施的抵押贷款申请数据处理系统包括用户界面逻辑和工作流引擎。用户界面逻辑被配置为从借款人接收抵押贷款申请的抵押贷款申请数据。工作流引擎在其中存储了表示与抵押贷款申请相关的需要执行的任务的列表，包括履行承保条件的任务。工作流引擎被配置为与用户界面逻辑配合以提示借款人执行任务。该系统被配置为向借款人提供抵押贷款申请的完全验证的批准。经过充分验证的批准表明，从借款人收到的抵押贷款申请数据已经使用信任来源的信息进行了准确的验证。然后可以将抵押贷款申请提供给不同的贷款人，不同的贷款人能够验证完全验证的批准状态。

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