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2. 发明申请

US20060004651A1 Loan origination software system for processing mortgage loans over a distributed network 有权
标题翻译：贷款起始软件系统，用于通过分布式网络处理抵押贷款
公开(公告)号：US20060004651A1
公开(公告)日：2006-01-05
申请号：US10884766
申请日：2004-07-02
申请人： Jonathan Corr , Limin Hu , Tsu-Wang Chen
发明人： Jonathan Corr , Limin Hu , Tsu-Wang Chen
IPC分类号： G06F17/60
CPC分类号： H04L63/104 , G06F3/04842 , G06Q40/02 , G06Q40/025 , H04L63/083 , H04L67/42
摘要： A loan origination and processing system is described. The system resides on a server computer that is coupled to a data store storing data related to a borrower. The server computer is further coupled to a brokerage network comprising a loan officer client, a loan processor client, and a broker manager client. Each brokerage client computer executes a unique interface to the loan origination and processing system. The brokerage network is coupled to third party users including lenders, underwriters, and settlement service providers. The brokerage interfaces display the pending loans in a list-based display, with each list entry representing a loan application for a particular borrower. Each interface for each individual type of brokerage client has unique access and display privileges with respect to the data stored in the data store. Process modules within the system define milestone events and alert conditions associated with each loan application. The system automatically routes the documents comprising each loan application among the client users within the brokerage. A logging function stores milestone events and communications among the client users. The management user interface includes display modules that generate and display statistically based reports for performance metrics associated with the loan officer and loan processor clients.
摘要翻译：描述了贷款发放和处理系统。系统驻留在服务器计算机上，该服务器计算机耦合到存储与借用者有关的数据的数据存储。服务器计算机进一步耦合到包括贷款官员客户端，贷款处理器客户端和代理经理客户端的经纪网络。每个经纪客户端计算机执行独特的接口到贷款发起和处理系统。经纪网络耦合到第三方用户，包括贷方，承销商和结算服务提供商。经纪界面在基于列表的显示中显示待处理贷款，每个列表条目表示特定借款人的贷款申请。每个独立类型的经纪客户端的每个接口都相对于存储在数据存储中的数据具有唯一的访问和显示权限。系统中的流程模块定义与每个贷款申请相关联的里程碑事件和警报条件。系统自动将包含每个贷款申请的文件路由在经纪内的客户端用户中。记录功能在客户端用户之间存储里程碑事件和通信。管理用户界面包括显示模块，用于生成和显示与贷款人员和贷款处理客户相关的绩效指标的统计报告。

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