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1. 发明授权

US08244618B1 Loan information analysis system and method 有权
标题翻译：贷款信息分析系统及方法
公开(公告)号：US08244618B1
公开(公告)日：2012-08-14
申请号：US12684535
申请日：2010-01-08
申请人： Douglas Fashenpour , Sean Dobson
发明人： Douglas Fashenpour , Sean Dobson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： Computer-implemented methods and systems for evaluating residential mortgage loan backed security products in which electronic loan data for the same individual loans is received from two or more different loan information providers, and the electronic loan data for respective individual loans received from the loan information providers is integrated. Thereafter, each individual loan in the integrated loan data is scored with a risk score based on a plurality of risk attributes of each individual loan; pre-defined forecast vectors are applied to the bucketed loans; cash flow forecasts are generated for the bucketed loans; and a price and/or yield for each bucketed loan is derived based on the cash flow forecasts.
摘要翻译：用于评估住宅抵押贷款支持的安全产品的计算机实现方法和系统，其中从两个或更多个不同的贷款信息提供者接收相同个人贷款的电子贷款数据，以及从贷款信息提供者收到的各个贷款的电子贷款数据是集成的。此后，综合贷款数据中的每个单独贷款均按照每个单独贷款的多个风险属性进行风险评分; 预定义预测向量适用于桶式贷款; 产生了有偿贷款的现金流量预测; 并且基于现金流量预测得出每个桶贷款的价格和/或收益率。

2. 外观设计

USD578497S1 Hand-held wireless device 有权
标题翻译：手持无线设备
公开(公告)号：USD578497S1
公开(公告)日：2008-10-14
申请号：US29235355
申请日：2005-08-01
申请人： Mark A. Weinzierl , Max Probasco , Sean Dobson , Clae Templet , Jim Monti , Katie Pilipchik
设计人： Mark A. Weinzierl , Max Probasco , Sean Dobson , Clae Templet , Jim Monti , Katie Pilipchik

3. 发明授权

US08438096B1 Loan information analysis system and method 有权
标题翻译：贷款信息分析系统及方法
公开(公告)号：US08438096B1
公开(公告)日：2013-05-07
申请号：US13549722
申请日：2012-07-16
申请人： Douglas Fashenpour , Sean Dobson
发明人： Douglas Fashenpour , Sean Dobson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： Computer-implemented methods and systems for evaluating residential mortgage loan backed security products in which electronic loan data for the same individual loans is received from two or more different loan information providers, and the electronic loan data for respective individual loans received from the loan information providers is integrated. Thereafter, each individual loan in the integrated loan data is scored with a risk score based on a plurality of risk attributes of each individual loan; pre-defined forecast vectors are applied to the bucketed loans; cash flow forecasts are generated for the bucketed loans; and a price and/or yield for each bucketed loan is derived based on the cash flow forecasts.
摘要翻译：用于评估住宅抵押贷款支持的安全产品的计算机实现方法和系统，其中从两个或更多个不同的贷款信息提供者接收相同个人贷款的电子贷款数据，以及从贷款信息提供者收到的各个贷款的电子贷款数据是集成的。此后，综合贷款数据中的每个单独贷款均按照每个单独贷款的多个风险属性进行风险评分; 预定义预测向量适用于桶式贷款; 产生了有偿贷款的现金流量预测; 并且基于现金流量预测得出每个桶贷款的价格和/或收益率。

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