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1. 发明授权

US08024261B2 Method and system for loan closing 有权
标题翻译：贷款结算方式和制度
公开(公告)号：US08024261B2
公开(公告)日：2011-09-20
申请号：US11802306
申请日：2007-05-22
申请人： William C. Erbey , Christopher Kennedy , Bryan Hurley
发明人： William C. Erbey , Christopher Kennedy , Bryan Hurley
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q40/00 , G06Q40/02
摘要： A method and system for electronically facilitating loan closing transactions that include sub-transactions involving third parties. The method and system provide functionality to quickly and easily order a sub-transaction and bill the respective party, or pay for the sub-transaction directly from various payment systems. An interactive closing document updates automatically as different services and sub-transactions are ordered. Designated parties to the transaction make and approve changes and updates to the interactive document as sub-transactions are completed and billed. The interactive document receives information from the earlier stages of the loan or mortgage transaction, and incorporates the information into the interactive closing document. Upon approval by all parties, at the closing of the transaction, the interactive closing document is generated as a hard copy for signature.
摘要翻译：一种电子促进贷款结算交易的方法和系统，包括涉及第三方的次级交易。该方法和系统提供快速轻松地订购子交易并对相应方进行帐单的功能，或直接从各种支付系统支付子交易。随着订购不同的服务和子交易，交互式关闭文档将自动更新。交易的指定方对交易文件进行更改和更新，因为子交易已完成并计费。交互式文件从贷款或抵押交易的早期阶段收到信息，并将信息合并到交易闭幕文件中。经各方批准后，交易结束时，交易结算单作为硬拷贝生成。

2. 发明申请

US20110178921A1 METHOD AND SYSTEM FOR MORTGAGE EXCHANGE 有权
标题翻译：手段交换的方法和系统
公开(公告)号：US20110178921A1
公开(公告)日：2011-07-21
申请号：US13076044
申请日：2011-03-30
申请人： William C. ERBEY , Christopher Kennedy , Bryan Hurley , Andrew Combs
发明人： William C. ERBEY , Christopher Kennedy , Bryan Hurley , Andrew Combs
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025
摘要： A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed.
摘要翻译：通过提供借款人有资格接受的贷款的准确表示，这种方法和系统以电子方式促进房地产交易，这些贷款是根据实际数据而不是估计。完成房地产交易所需的所有行动，从借款人信息入门到贷款的结算和融资，均无缝整合。提供自动承保引擎，用于基于用户输入和/或现有数据生成决策矩阵。根据决策矩阵选择适当的贷款，并将其传达给潜在的借款人。选定贷款后，进行履行处理，贷款得到资助和关闭。

3. 发明授权

US08473409B2 Method and system for loan closing 有权
标题翻译：贷款结算方式和制度
公开(公告)号：US08473409B2
公开(公告)日：2013-06-25
申请号：US13232010
申请日：2011-09-14
申请人： William C. Erbey , Christopher Kennedy , Bryan Hurley
发明人： William C. Erbey , Christopher Kennedy , Bryan Hurley
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q40/00 , G06Q40/02
摘要： A method and system for electronically facilitating loan closing transactions that include sub-transactions involving third parties. The method and system provide functionality to quickly and easily order a sub-transaction and bill the respective party, or pay for the sub-transaction directly from various payment systems. An interactive closing document updates automatically as different services and sub-transactions are ordered. Designated parties to the transaction make and approve changes and updates to the interactive document as sub-transactions are completed and billed. The interactive document receives information from the earlier stages of the loan or mortgage transaction, and incorporates the information into the interactive closing document. Upon approval by all parties, at the closing of the transaction, the interactive closing document is generated as a hard copy for signature.
摘要翻译：一种电子促进贷款结算交易的方法和系统，包括涉及第三方的次级交易。该方法和系统提供快速轻松地订购子交易并对相应方进行帐单的功能，或直接从各种支付系统支付子交易。随着订购不同的服务和子交易，交互式关闭文档将自动更新。交易的指定方对交易文件进行更改和更新，因为子交易已完成并计费。交互式文件从贷款或抵押交易的早期阶段收到信息，并将信息合并到交易闭幕文件中。经各方批准后，交易结束时，交易结算单作为硬拷贝生成。

4. 发明授权

US08275701B2 Method and system for mortgage exchange 有权
标题翻译：抵押交换的方法和制度
公开(公告)号：US08275701B2
公开(公告)日：2012-09-25
申请号：US13076044
申请日：2011-03-30
申请人： William C. Erbey , Christopher Kennedy , Bryan Hurley , Andrew Combs
发明人： William C. Erbey , Christopher Kennedy , Bryan Hurley , Andrew Combs
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025
摘要： A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed.
摘要翻译：通过提供借款人有资格接受的贷款的准确表示，这种方法和系统以电子方式促进房地产交易，这些贷款是根据实际数据而不是估计。完成房地产交易所需的所有行动，从借款人信息入门到贷款的结算和融资，均无缝整合。提供自动承保引擎，用于基于用户输入和/或现有数据生成决策矩阵。根据决策矩阵选择适当的贷款，并将其传达给潜在的借款人。选定贷款后，进行履行处理，贷款得到资助和关闭。

5. 发明申请

US20120005071A1 METHOD AND SYSTEM FOR LOAN CLOSING 有权
标题翻译：贷款关闭的方法和系统
公开(公告)号：US20120005071A1
公开(公告)日：2012-01-05
申请号：US13232010
申请日：2011-09-14
申请人： William C. Erbey , Christopher Kennedy , Bryan Hurley
发明人： William C. Erbey , Christopher Kennedy , Bryan Hurley
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q40/00 , G06Q40/02
摘要： A method and system for electronically facilitating loan closing transactions that include sub-transactions involving third parties. The method and system provide functionality to quickly and easily order a sub-transaction and bill the respective party, or pay for the sub-transaction directly from various payment systems. An interactive closing document updates automatically as different services and sub-transactions are ordered. Designated parties to the transaction make and approve changes and updates to the interactive document as sub-transactions are completed and billed. The interactive document receives information from the earlier stages of the loan or mortgage transaction, and incorporates the information into the interactive closing document. Upon approval by all parties, at the closing of the transaction, the interactive closing document is generated as a hard copy for signature.
摘要翻译：一种电子促进贷款结算交易的方法和系统，包括涉及第三方的次级交易。该方法和系统提供快速轻松地订购子交易并对相应方进行帐单的功能，或直接从各种支付系统支付子交易。随着订购不同的服务和子交易，交互式关闭文档将自动更新。交易的指定方对交易文件进行更改和更新，因为子交易已完成并计费。交互式文件从贷款或抵押交易的早期阶段收到信息，并将信息合并到交易闭幕文件中。经各方批准后，交易结束时，交易结算单作为硬拷贝生成。

6. 发明申请

US20130006846A1 METHOD AND SYSTEM FOR MORTGAGE EXCHANGE 审中-公开
标题翻译：手段交换的方法和系统
公开(公告)号：US20130006846A1
公开(公告)日：2013-01-03
申请号：US13611299
申请日：2012-09-12
申请人： William C. Erbey , Christopher Kennedy , Bryan Hurley , Andrew Combs
发明人： William C. Erbey , Christopher Kennedy , Bryan Hurley , Andrew Combs
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q40/025
摘要： A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed.
摘要翻译：通过提供借款人有资格接受的贷款的准确表示，这种方法和系统以电子方式促进房地产交易，这些贷款是根据实际数据而不是估计。完成房地产交易所需的所有行动，从借款人信息入门到贷款的结算和融资，均无缝整合。提供自动承保引擎，用于基于用户输入和/或现有数据生成决策矩阵。根据决策矩阵选择适当的贷款，并将其传达给潜在的借款人。选定贷款后，进行履行处理，贷款得到资助和关闭。

7. 发明申请

US20080120227A1 Method and system for mortgage exchange 审中-公开
标题翻译：抵押交换的方法和制度
公开(公告)号：US20080120227A1
公开(公告)日：2008-05-22
申请号：US11802308
申请日：2007-05-22
申请人： William C. Erbey , Christopher Kennedy , Bryan Hurley , Andrew Combs
发明人： William C. Erbey , Christopher Kennedy , Bryan Hurley , Andrew Combs
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025
摘要： A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed.
摘要翻译：通过提供借款人有资格接受的贷款的准确表示，这种方法和系统以电子方式促进房地产交易，这些贷款是根据实际数据而不是估计。完成房地产交易所需的所有行动，从借款人信息入门到贷款的结算和融资，均无缝整合。提供自动承保引擎，用于基于用户输入和/或现有数据生成决策矩阵。根据决策矩阵选择适当的贷款，并将其传达给潜在的借款人。选定贷款后，进行履行处理，贷款得到资助和关闭。

8. 发明授权

US07707055B2 Method and system for vendor management 有权
标题翻译：供应商管理方法和系统
公开(公告)号：US07707055B2
公开(公告)日：2010-04-27
申请号：US10937879
申请日：2004-09-10
申请人： Ralph J. Behmoiras , William C. Erbey , Arthur J. Castner , Christopher Kennedy , Keith S. Reno
发明人： Ralph J. Behmoiras , William C. Erbey , Arthur J. Castner , Christopher Kennedy , Keith S. Reno
IPC分类号： G06Q40/00
CPC分类号： G06Q20/085 , G06Q10/0639 , G06Q10/0875 , G06Q30/0601 , G06Q40/02 , G06Q40/025 , G06Q50/167
摘要： A method and system for managing business transactions, such as mortgages or other financial transactions. A business transaction between an end user and a financial institution includes sub-transactions between the end user and a vendor. A software system performs functions to complete the business transaction. Automated ordering allows an end user to quickly and easily order a sub-transaction without input from the financial institution or the vendor, and also automatically orders sub-transactions upon satisfaction of a trigger event. Vendor management functionality allows a financial institution to manage the transactions of a vendor. Qualitative performance analysis functionality allows an end user to monitor and evaluate a vendor's price, turn-around time, quality score, and overall score. Vendor distribution functionality distributes sub-transactions among vendors. Vendor management company functionality allows a vendor management company—a vendor that outsources some or all of its sub-transactions to independent service providers—to effectively use the system.
摘要翻译：用于管理商业交易的方法和系统，如抵押或其他金融交易。最终用户和金融机构之间的业务交易包括最终用户和供应商之间的子交易。软件系统执行功能来完成业务交易。自动订购允许最终用户快速轻松地订购子事务，而不需要来自金融机构或供应商的输入，并且在满足触发事件时也自动订购子事务。供应商管理功能允许金融机构管理供应商的交易。定性性能分析功能允许最终用户监视和评估供应商的价格，周转时间，质量得分和总体得分。供应商分销功能在供应商之间分配子交易。供应商管理公司的功能允许供应商管理公司 - 将其部分或全部子交易外包给独立服务提供商的供应商来有效地使用该系统。

9. 发明申请

US20100268558A1 METHOD AND SYSTEM FOR VENDOR MANAGMENT 有权
标题翻译：供应商管理方法与系统
公开(公告)号：US20100268558A1
公开(公告)日：2010-10-21
申请号：US12723358
申请日：2010-03-12
申请人： Ralph J. BEHMOIRAS , William C. Erbey , Arthur J. Castner , Christopher Kennedy , Keith S. Reno
发明人： Ralph J. BEHMOIRAS , William C. Erbey , Arthur J. Castner , Christopher Kennedy , Keith S. Reno
IPC分类号： G06Q50/00 , G06Q30/00 , G06Q10/00 , G06Q40/00
CPC分类号： G06Q20/085 , G06Q10/0639 , G06Q10/0875 , G06Q30/0601 , G06Q40/02 , G06Q40/025 , G06Q50/167
摘要： A method and system for managing business transactions, such as mortgages or other financial transactions. A business transaction between an end user and a financial institution includes sub-transactions between the end user and a vendor. A software system performs functions to complete the business transaction. Automated ordering allows an end user to quickly and easily order a sub-transaction without input from the financial institution or the vendor, and also automatically orders sub-transactions upon satisfaction of a trigger event. Vendor management functionality allows a financial institution to manage the transactions of a vendor. Qualitative performance analysis functionality allows an end user to monitor and evaluate a vendor's price, turn-around time, quality score, and overall score. Vendor distribution functionality distributes sub-transactions among vendors. Vendor management company functionality allows a vendor management company—a vendor that outsources some or all of its sub-transactions to independent service providers—to effectively use the system.
摘要翻译：用于管理商业交易的方法和系统，如抵押或其他金融交易。最终用户和金融机构之间的业务交易包括最终用户和供应商之间的子交易。软件系统执行功能来完成业务交易。自动订购允许最终用户快速轻松地订购子事务，而不需要来自金融机构或供应商的输入，并且在满足触发事件时也自动订购子事务。供应商管理功能允许金融机构管理供应商的交易。定性性能分析功能允许最终用户监视和评估供应商的价格，周转时间，质量得分和总体得分。供应商分销功能在供应商之间分配子交易。供应商管理公司的功能允许供应商管理公司 - 将其部分或全部子交易外包给独立服务提供商的供应商来有效地使用该系统。

10. 发明授权

US08478659B2 Method and system for vendor management 有权
标题翻译：供应商管理方法和系统
公开(公告)号：US08478659B2
公开(公告)日：2013-07-02
申请号：US12723358
申请日：2010-03-12
申请人： Ralph J. Behmoiras , William C. Erbey , Arthur J. Castner , Christopher Kennedy , Keith S. Reno
发明人： Ralph J. Behmoiras , William C. Erbey , Arthur J. Castner , Christopher Kennedy , Keith S. Reno
IPC分类号： G06Q30/06
CPC分类号： G06Q20/085 , G06Q10/0639 , G06Q10/0875 , G06Q30/0601 , G06Q40/02 , G06Q40/025 , G06Q50/167
摘要： A method and system for managing business transactions, such as mortgages or other financial transactions. A business transaction between an end user and a financial institution includes sub-transactions between the end user and a vendor. A software system performs functions to complete the business transaction. Automated ordering allows an end user to quickly and easily order a sub-transaction without input from the financial institution or the vendor, and also automatically orders sub-transactions upon satisfaction of a trigger event. Vendor management functionality allows a financial institution to manage the transactions of a vendor. Qualitative performance analysis functionality allows an end user to monitor and evaluate a vendor's price, turn-around time, quality score, and overall score. Vendor distribution functionality distributes sub-transactions among vendors. Vendor management company functionality allows a vendor management company—a vendor that outsources some or all of its sub-transactions to independent service providers—to effectively use the system.
摘要翻译：用于管理商业交易的方法和系统，如抵押或其他金融交易。最终用户和金融机构之间的业务交易包括最终用户和供应商之间的子交易。软件系统执行功能来完成业务交易。自动订购允许最终用户快速轻松地订购子事务，而不需要来自金融机构或供应商的输入，并且在满足触发事件时也自动订购子事务。供应商管理功能允许金融机构管理供应商的交易。定性性能分析功能允许最终用户监视和评估供应商的价格，周转时间，质量得分和总体得分。供应商分销功能在供应商之间分配子交易。供应商管理公司的功能允许供应商管理公司 - 将其部分或全部子交易外包给独立服务提供商的供应商来有效地使用该系统。

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