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1. 发明授权

US07962404B1 Systems and methods for determining loan opportunities 有权
标题翻译：确定贷款机会的制度和方法
公开(公告)号：US07962404B1
公开(公告)日：2011-06-14
申请号：US11936720
申请日：2007-11-07
申请人： Frank X. Metzger, II , Sherri Joyann Densmore
发明人： Frank X. Metzger, II , Sherri Joyann Densmore
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/102 , G06Q30/0205 , G06Q40/00 , G06Q40/025
摘要： A loan opportunity system is configured to analyze loan data and/or population data in order to determine loan opportunities for a lender, such as a credit union. In one embodiment a lender is initially provided with one or more estimated loan opportunity indicators, such as indicators of quantities of loans in a specific geographic region for which the lender can likely offer lower rates. Subsequently, upon completion of a payment agreement with a loan opportunity provider, for example, and establishment of loan parameters associated with borrowers (and their existing loans) to which the lender would like to make firm offers of credit, the lender is provided with a loan opportunity list indicating details of borrowers and their respective loans for which the particular lender can likely offer lower rates.
摘要翻译：贷款机会系统被配置为分析贷款数据和/或人口数据，以确定贷款机构，如信用社。在一个实施例中，贷款人最初被提供有一个或多个估计贷款机会指标，例如放贷者可能提供较低利率的特定地理区域中的贷款量的指标。随后，例如，在与贷款机会供应商完成付款协议后，以及建立与借款人（及其现有贷款）相关联的贷款参数，贷款人想要向其提供固定的信贷提供，贷款人将获得一个贷款机会清单，指明借款人的详细资料及其各自的贷款，特定贷方可能提供较低的利率。

2. 发明申请

US20110213641A1 SYSTEMS AND METHODS FOR DETERMINING LOAN OPPORTUNITIES 审中-公开
标题翻译：用于确定贷款机会的系统和方法
公开(公告)号：US20110213641A1
公开(公告)日：2011-09-01
申请号：US13105203
申请日：2011-05-11
申请人： Frank X. Metzger, II , Sherri Joyann Densmore
发明人： Frank X. Metzger, II , Sherri Joyann Densmore
IPC分类号： G06Q10/00
CPC分类号： G06Q40/02 , G06Q20/102 , G06Q30/0205 , G06Q40/00 , G06Q40/025
摘要： A loan opportunity system is configured to analyze loan data and/or population data in order to determine loan opportunities for a lender, such as a credit union. In one embodiment a lender is initially provided with one or more estimated loan opportunity indicators, such as indicators of quantities of loans in a specific geographic region for which the lender can likely offer lower rates. Subsequently, upon completion of a payment agreement with a loan opportunity provider, for example, and establishment of loan parameters associated with borrowers (and their existing loans) to which the lender would like to make firm offers of credit, the lender is provided with a loan opportunity list indicating details of borrowers and their respective loans for which the particular lender can likely offer lower rates.
摘要翻译：贷款机会系统被配置为分析贷款数据和/或人口数据，以确定贷款机构，如信用社。在一个实施例中，贷款人最初被提供有一个或多个估计贷款机会指标，例如放贷者可能提供较低利率的特定地理区域中的贷款量的指标。随后，例如，在与贷款机会供应商完成付款协议后，以及建立与借款人（及其现有贷款）相关联的贷款参数，贷款人想要向其提供固定的信贷提供，贷款人将获得一个贷款机会清单，指明借款人的详细资料及其各自的贷款，特定贷方可能提供较低的利率。

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