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    • 7. 发明申请
    • SEPARATION INSURANCE SYSTEM
    • 分离保险制度
    • US20130046564A1
    • 2013-02-21
    • US13661747
    • 2012-10-26
    • Mark VeldhuizenJohan RenesAllen Turner
    • Mark VeldhuizenJohan RenesAllen Turner
    • G06Q40/08
    • G06Q40/08G06Q40/025
    • Described is a computerized system for offering financing to applicants seeking financing for the purchase of real estate. The system comprises gathering information from the applicants regarding the applicants and the real estate; calculating, with computerized software, a separation insurance policy premium for the applicants based upon this and other information; determining the insurance policy price with the mortgage financing; offering the mortgage financing, coupled with the insurance premium, to the applicants; if the applicants accept, entering into a legally binding agreement memorializing the separation insurance policy; periodically and regularly charging the calculated periodic amount to the applicants; and administering the separation insurance in such a manner that, upon divorce or legal separation of the applicants, payments are made on behalf of the applicants for the real estate.
    • 描述的是一个计算机化系统,为寻求融资购买房地产的申请人提供融资。 该系统包括收集申请人和房地产方面的信息; 根据这一信息和其他信息,用计算机软件计算申请人的分居保险费; 用抵押融资确定保险价格; 向申请人提供抵押融资,加上保险费; 如果申请人接受,签订纪律分离保险单的具有法律约束力的协议; 定期和定期向申请人收取计算的定期金额; 并以离婚或合法分居申请人的方式管理分居保险,代表房地产申请人付款。
    • 10. 发明授权
    • Mortgage insurance system
    • 分离保险制度
    • US08301469B1
    • 2012-10-30
    • US12456874
    • 2009-06-24
    • Mark VeldhuizenJohan RenesAllen C. Turner
    • Mark VeldhuizenJohan RenesAllen C. Turner
    • G06Q40/00
    • G06Q40/08G06Q40/025
    • Described is a system for offering financing to a couple seeking financing for the purchase of real estate, the improvement comprising gathering information from the couple regarding the couple and the piece of residential real estate; calculating, with computerized software, a divorce insurance policy premium for the couple based upon this and other information; determining the insurance policy premium's price with the mortgage financing; offering the mortgage financing, coupled with the insurance premium, to the couple; if the couple accepts, creating a legally binding document memorializing the mortgage insurance policy, wherein the legally binding document sets forth terms and conditions of the mortgage insurance policy; transmitting the completed, legally binding document to the couple; periodically and regularly charging the calculated periodic amount to the couple; and administering the mortgage insurance policy in such a manner that, upon divorce or legal separation of the couple, paying damages arising from the piece of real estate and associated with the divorce or legal separation.
    • 描述的是为寻求融资购买房地产的夫妇提供融资的系统,其改进包括收集夫妻关于夫妇和住宅房地产的信息; 根据这一信息和其他信息,用电脑软件计算出夫妻离婚保险费; 用抵押融资确定保险费保费的价格; 向夫妇提供抵押融资,加上保险费; 如果这对夫妇接受,就制定一份纪念抵押保险单的具有法律约束力的文件,其中具有法律约束力的文件规定了抵押保险的条款和条件; 将已完成的具有法律约束力的文件转交给夫妇; 定期和定期地将计算的周期金额收取给夫妇; 并按照夫妻离婚或合法分居的方式管理抵押保险单,支付因不动产造成的损失而与离婚或合法分居有关的损害赔偿。