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Data Processing: Financial, Business Practice, Management, Or Cost/price Determination > Automated Electrical Financial Or Business Practice Or Management Arrangement > Finance (e.g., Banking, Investment Or Credit) > Credit (risk) Processing Or Loan Processing (e.g., Mortgage) Credit (risk) Processing Or Loan Processing (e.g., Mortgage)Credit (risk) Processing Or Loan Processing (e.g., Mortgage) patent applications listed are from June 2005 to current and include Date, Patent Application Number, Patent Title, Patent Abstract summary and are linked to the corresponding patent application page.11/23/06 - 20060265324 - Security risk analysis systems and methods Security risk analysis systems and methods are disclosed. Vulnerabilities affecting assets of a communication network are associated with other assets of the communication network according to relationships between assets. Security risk may thus be assessed on the basis of both vulnerabilities which directly affect assets and vulnerabilities which indirectly affect ... 11/16/06 - 20060259419 - Financing structure A junior loan made by a junior lender to an owner/lessor of commercial real estate. Ownership of the real estate and of a lease of the real estate may be arranged in one or more special-purpose entities bankruptcy remote from obligations unrelated to the real estate. The junior loan may ... 11/09/06 - 20060253386 - Methods and systems for providing structured loan commitment transactions In one aspect, the invention comprises entering into an agreement with a borrower to provide a loan of a specified amount on a specified date, wherein the agreement further specifies a fixed rate and a spread; and on the specified date specifying whether the borrower must pay a fixed coupon ... 11/02/06 - 20060248004 - Method and system for administering a loan A method for administering a loan includes the steps of debiting a first account in the name of a borrower with one or more payments of capital, calculating an interest amount based on an outstanding balance on the first account and debiting at least a portion of the interest amount ... 11/02/06 - 20060248003 - Method of online pricing for mortgage loans from multiple lenders A mortgage loan pricing application that allows a mortgage professional to obtain loan pricing for a loan scenario from multiple lender prequalification systems in near real-time. The pricing application includes a loan pricing search engine that allows a mortgage professional to enter loan scenario information for the borrower. The loan ... 11/02/06 - 20060248002 - Business strategy transaction router An improved system and method for routing transactions based on business strategy and the ability to identify how the router selection outcomes meet the objectives of a business strategy. First, identifying business strategies along with key performance indicators (KPI) values. Then associating one or more objectives with one or more ... 11/02/06 - 20060248001 - Shared home appreciation contracts and methods for securitizing same A method for creating and selling a contract that provides equity participation to an investor in a homeowner's residential real estate property. A contract is executed between the homeowner and an originator in which the mortgage originator purchases an equity portion of the residential real estate property from the homeowner. ... 11/02/06 - 20060248000 - Shared home ownership contracts and methods for securitizing same A method for creating, selling and servicing a contract for financing a homeowner's residential real estate property. The homeowner supplies a down-payment to fund a first portion of the purchase price of the homeowner's residential real estate property. A mortgage funds a second portion of the purchase price. The contract ... 10/26/06 - 20060242057 - Method and loan for financing a property expense increase associated with rising property value A method for financing increases in property expenses, such as increases in property taxes and insurance premiums, associated with an increase in property value. Under a secured increase loan, a lender agrees to pay the increase of the expenses, either one-time or annually, above the borrower's initial or existing expenses ... 10/19/06 - 20060235788 - Student loans consolidation matching system and method The present invention provides an electronic system and method for automatically matching a prospective borrower seeking consolidation of student loans to one or more programs of prospective Federal Family Education Loan (FFEL) loan providers offering loan programs that match the borrower's loan circumstances. ... 10/12/06 - 20060229975 - Methods for accelerated principal reduction A method of reducing a principal amount of a loan. The method comprises determining a payment schedule of a series of payments for repaying the principal amount of the loan, each payment comprising a principal portion and an interest portion, receiving payments, and crediting the principal portion of received payments ... 10/12/06 - 20060229974 - Method of extending credit to at least one consumer and method of processing a transaction between a consumer and a merchant Disclosed is a method of extending credit to a consumer, including the steps of: offering, to the consumer, a credit account having a private label portion associated with a specified private label entity and a credit issuer network portion for use with a merchant in a credit issuer network; activating ... 10/05/06 - 20060224502 - System and method for online peer-to-peer banking A method for providing a peer-to-peer loan service includes providing a website, listing lenders and amount of capital offered to be loaned and loan terms for each of the lenders in a lender database, placing a bid for a desired loan amount and desired loan terms by a borrower in ... 10/05/06 - 20060224501 - Online loan qualification and processing method A method by which a consumer can directly manage a loan application process over the Internet from the initial request to final closing. The overall process is automatically driven by the progressive collection of consumer data and the completion of tasks provided to the consumer. The tasks are compiled in ... 10/05/06 - 20060224500 - System and method for creating risk profiles for use in managing operational risk A computer-based system and method, a computer readable medium comprising software, and a data structure for creating a risk profile for a business unit of an enterprise for use in managing operational risk. ... 10/05/06 - 20060224499 - Method and apparatus for computing a loan quality score A method of computing a loan quality score using user input data concerning a subject property and the proposed loan, The loan quality score is useful in determining the probability that fraud is involved in the property loan request being made to a lender. ... 09/28/06 - 20060218080 - System and a method for determining whether to refinance a consumer debt instrument A method and system for calculating an indicator which can be used for determining whether to refinance an outstanding debt instrument (such as a mortgage) with a new debt instrument (such as another mortgage), which includes the steps of (1) determining the change in the present value of the cash ... 09/28/06 - 20060218079 - Web-based consumer loan database with automated controls for preventing predatory lending practices A web based, interactive and collaborative software intelligence tool that tracks the patterns of behavior of mortgage originators, lenders, and others involved in the lending process and automatically identifies instances of non-compliance or potentially fraudulent activities or patterns of conduct that are deemed either deceptive to the borrower or anti-consumer ... 09/28/06 - 20060218078 - Method and apparatus for renting, customizing, and delivering risk and/or volatility products According to a computer-implemented approach for renting, customizing, manufacturing, intermediating, and delivering risk and volatility product to customers, customers specify what risk or volatility product to rent using a plurality of risk and/or product selection parameters. According to the approach, customers provide a plurality of risk and/or volatility product selection ... 09/21/06 - 20060212386 - Credit scoring method and system A method for calculating probability distributions and probability scores associated with a consumer credit score is disclosed. The probability scores may comprise a bureau volatility score, and bureau error score, and/or a multi-bureau variability score. ... 09/21/06 - 20060212385 - Money fund banking system with multiple banks and/or rates Providing interest to clients’ deposited funds without limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients’ deposits and withdrawals, calculates the total of the deposits and withdrawals for all clients, and uses the calculation ... 09/14/06 - 20060206417 - Method for endowing a tax exempt organization using a key member and while increasing net worth of a donor A method for establishing a contractually guaranteed and lucrative endowment fundraising program. The program utilizes a third party lender, such as a bank, that finances a premium for a life insurance policy. The life insurance policy is owned by the tax-exempt organization for the life of a key person of ... 09/14/06 - 20060206416 - Financial collaboration networks The disclosed system and method for providing financial collaboration networks generally includes a data processing system adapted to permit a plurality of group collaborators to perform financial transactions with a plurality of users or network participants. Representative embodiments of the present invention generally provide web-based financial collaboration systems that may ... 09/14/06 - 20060206415 - Method for facilitating the acquisition of a life insurance policy The invention provides a novel method of facilitating the acquisition of a life insurance policy on the life of an insured. The method involves interaction among a borrower, a lender, a service provider and a collateral agent. Using the inventive method of the present invention, the borrower is able to ... 09/14/06 - 20060206414 - Convertible debenture annuity trust investment device and method therefor A method for generating capital for a corporation while protecting investors comprises: establishing a statutory funding trust under the laws of a designated state pursuant to a trust agreement; offering of debentures by the funding trust in a predetermined amount; loaning a portion of funds generated from sale of the ... 09/07/06 - 20060200406 - Seeded loan investment method the value of said investment vehicle being a function of time and being represented as, γ(t)=Xo+δ(t), and a time, t*, being such time when, α(t*)=γ(t*) or equivalently when A+β(t*)=δ(t*), and at such time, t*, said lender receiving full ownership of said investment vehicle in satisfaction of the loan, and at ... 08/31/06 - 20060195392 - Method and system for enabling a life insurance premium loan A loan is secured by insurance policy collateral between a lender, borrower with the insurance policy, and an intermediary. The intermediary establishes a securities account and holds the insurance policy, which designates the borrower as the beneficial owner and the intermediary as the record owner. The borrower disburses the loan ... 08/31/06 - 20060195391 - Modeling loss in a term structured financial portfolio In accordance with the principles of the present invention, an apparatus, simulation method, and system for modeling loss in a term structured financial portfolio are provided. An historical date range, time unit specification, maturity duration, evaluation horizon, random effects specification, and set of portfolio covariates are selected. Historical data is ... 08/31/06 - 20060195390 - Administration of dual component financial instruments Methods and systems for administering a dual component financial instrument (DCFI) are described. The DCFI includes a revolving loan component and one or more installment loans. A holder of the DCFI account can use the revolving loan to pay for expenses, e.g., educational expenses. At predetermined intervals, e.g., annually on ... 08/24/06 - 20060190395 - Method for entity risk management and accumulating assets for a secure retirement A method for entity risk management and for accumulating assets for a secure retirement is provided in which a non-MEC life insurance policy that is not considered a single premium insurance policy is purchased and funded over time by an owner of a business through proceeds from a loan made ... 08/24/06 - 20060190394 - Interactive mortgage and loan information and real-time trading system The invention provides a method and system for trading loans in real time. Loan applications, such as home mortgage loan applications, are made available electronically to receive bids from a plurality of potential lenders. A transaction server maintains a database of pending loan applications and their statuses, which is accessible ... 08/17/06 - 20060184450 - Financial product and method which link a debt instrument to a bond A financial product which is comprised of a note and a bond. The note is linked to the bond in that when an interest rate declines, the note interest rate also is reduced in a predetermined manner and the bond interest rate is reduced in a preselected manner. The interest ... 08/17/06 - 20060184449 - A risk management system for securities A method and system (100) for identifying, measuring and managing the risk associated with a portfolio of securities. ... 08/10/06 - 20060178983 - Mortgage broker system allowing broker to match mortgagor with multiple lenders and method therefor A method and system for matching lending companies with prospective borrowers during an on-line loan prequalification process. The system includes a database for storing lender prequalification criteria received from one or more lenders over a communication network where the lender prequalification criteria include each lender's available loan products. The system ... 08/10/06 - 20060178982 - Method and system for executing data analytics on a varying number of records within a rdbms using sql Scoring and detecting anomalies in a dynamic number of transaction records within a relational database management system by initiating a function for accepting and storing a transaction record in the relational database management system; This function and the analytics are integral to the RDBMS, as distinguished from extracting the data ... 07/13/06 - 20060155639 - System and method for automated process of deal structuring A method of automatically generating, based on the preferences of a potential borrower as entered by a third party, multiple alternative loan proposals requested by the third party, are disclosed. The method of automatically generating, based on the preferences of a potential borrower as entered by a third party, multiple ... 07/06/06 - 20060149666 - Method and system for originating loans A method of originating a loan. In one embodiment, the method includes establishing a legally binding agreement between a real estate agent and a mortgage company. The agreement has a set of terms which include establishing the real estate agent as an independent contractor; obligating the real estate agent to ... 07/06/06 - 20060149665 - Systems and methods for facilitating lending between two or more parties A method and a system for facilitating lending between private parties, the private parties including a lendee and at least one lender. For example, a loan request from a lendee may be received, the loan request sent to at least one lender, the lender indicating acceptance of the loan request, ... 07/06/06 - 20060149664 - Marketing system and method Disclosed herein are exemplary techniques for and of marketing a loan product to a customer. The system and method establish communication with a customer regarding a current loan; access a customer service module; inputting loan information provided by the customer into the customer service module; displaying a plurality potential loan ... 07/06/06 - 20060149663 - Mortgage financing system The present invention is a method for providing mortgage financing to a borrower while additionally creating the opportunity for the borrower to invest in their long and short-term financial security. In real estate purchase, a mortgage is extended for greater than the real estate purchase price. The surplus amount is ... 06/29/06 - 20060143115 - Enterprise risk management system A method and system (100) for identifying, measuring and managing the risk associated with a commercial enterprise. ... 06/29/06 - 20060143114 - System and method for determining a premium for insurance for a security A method for determining a premium for insuring a security comprising the steps of determining an insurance risk premium based upon a security to be insured, determining an expense and profit load, and combining the insurance risk premium and the expense and profit load to determine a total gross premium. ... 06/29/06 - 20060143113 - System and method for guaranteeing a financial loan If a loan applicant verifies in a timely manner the information they provided at the time of their application and they maintain that information until their closing, then a mortgage broker or mortgage banker will guarantee to deliver the exact mortgage terms contained in the customer's mortgage pre-approval or pay ... 06/29/06 - 20060143112 - Dealer-located vehicle refinance system and method A system and method relates to refinancing a vehicle at a vehicle dealer location. The method can include obtaining vehicle information at a dealer location for a vehicle that is financed to an owner with a first loan, providing a promissory note and security agreement for a second loan on ... 06/22/06 - 20060136330 - Product, system and method for certification of closing and mortgage loan fulfillment A computer system and method for processing a mortgage loan receives borrower, property, loan and underwriting data entered by a lender via a certifying company Internet web site. The system, which is operated by the certifying company, communicates with outside service provider systems to order and obtain products there from. ... 06/22/06 - 20060136329 - Systems and methods for processing promissory transactions as debit transactions Systems and methods are provided for determining when to convert promissory transactions, such as checking transactions, into direct debit transactions. A set of rules evaluates the risk associated with a check transaction. When the check transaction has a predetermined level of risk, a debit determination system evaluates the transaction to ... 06/22/06 - 20060136328 - Method and system for analyzing the risk of a project Analyzing risk includes receiving input parameters describing a project. Schedule values for a schedule variable are established. The following are repeated for each schedule value to calculate cost-probability relationships relating a cost value of a cost variable with a probability value of a probability variable: a schedule value is selected, ... 06/22/06 - 20060136327 - Risk control system The invention provides a method for assessing risk within an organization, comprising: defining one or more zones (2), each of the one or more zones comprising an environment; identifying one or more assets (4) of the organization, each of the assets being located in a respective one of the zones; ... 06/15/06 - 20060129478 - Automated short term loans Automated techniques for providing loans, such as short term loans, include receiving a telephonic loan application from a customer and electronically verifying information in the telephonic loan application. Based on the results of the verification, a determination is made as to whether to provide the loan. When the loan is ... 06/08/06 - 20060122930 - Method for maximizing the return on securitized franchise fee cash flow A method for improving the cash flow realized in a franchise business operation comprises securitizing franchise fee cash flow from a group of franchisees and employing the resulting capital for identification and mitigation of risk of default in individual franchisee businesses. The method identifies franchisees at risk of default by ... 06/01/06 - 20060116952 - System and method for creating electronic real estate registration A system for providing a registered land asset includes a property transaction database in communication with a computer network the property transaction database provides information related to transactions associated with each registered land asset parcel, each land parcel having a registered land asset identifier representing global coordinates particular to the ... 06/01/06 - 20060116951 - Method and system for living expense arbitrage across borders by retirees This invention identifies the economic benefits of living in a foreign country, where the cost of living is a fraction of the cost of living in the U.S., for retirees. Specifically, the method addresses the needs of those retired homeowners who will consider living abroad only a portion of the ... 05/11/06 - 20060100958 - Method and apparatus for operational risk assessment and mitigation Risk in business management is analyzed based on a probabilistic network approach which quantifies the impact of operational risk on financial metrics such as Value-at-Risk (VAR) and/or Potential Losses (PL). This approach provides further capability to determine the optimal placement of one or more countermeasures within a system to minimize ... 05/11/06 - 20060100957 - Electronic data processing system and method of using an electronic data processing system for automatically determining a risk indicator value An electronic data processing system for automatically determining a risk indicator value based on a number of risk parameters, for evaluating a risk involved with performing a transaction between a client and a transaction provider in said data processing system. ... 04/27/06 - 20060089904 - Price point The Price Point Pricing Center is a flexible system designed to provide the business with industry-standard pricing methodologies, including: The ability to charge different rates based on an application's source Risk-based pricing, including the ability to price based on drivers such as credit source, CLTV, and line amount The ability ... 04/27/06 - 20060089903 - Multi-party-transaction information access system A multi-party transaction management system includes a web-page server that includes a multi-party transaction web-page. This web-page allows authorized users to enter contact information and transaction information that may only be viewed by the authorized users. The transaction information includes transaction process steps, electronic word-processing documents, and notes. Authorized users ... 04/27/06 - 20060089902 - Method and system for the financial feasibility of time-sharing of retirement community units using reverse mortgages This invention relates to retirement communities. Specifically, a computer-implemented method and system enhances retired homeowners' accessibility to the retirement community on time-sharing basis and broadens the client base for the management and/or developers of such communities. The method particularly addresses the needs of those retired homeowners who will consider joining ... 04/20/06 - 20060085325 - System, method, and computer program for assessing risk within a predefined market A system and method for measuring or quantifying the probability of default of a borrower. Credit factors from companies that banks have extended loans to are inputted and collected into a processor. The method employs a process utilizing an optimization function and a standard multivariate nonlinear regression to process client ... 04/20/06 - 20060085324 - Municipal bond offer and method A system and method for providing municipal bonds secured by GNMA securities for multifamily development projects, includes securing a commitment from the bond purchaser at the initiation of the transaction for periodic purchases of portions of the bonds over the period of the construction or rehabilitation of the development project, ... 04/20/06 - 20060085323 - System and method for analyzing risk within a supply chain A system and method is provided for identification, quantification, and analysis of risks within a supply chain infrastructure. A combination of risk event data, risk interaction definition, and risk assignment hierarchy is used to dynamically model the expected impact of risk to pre-defined performance measures within the system. The dynamic ... 04/13/06 - 20060080229 - Automated method and system for processing mortgage leads An automated, computerized method for processing leads is disclosed. The method according to an exemplary embodiment of the present invention includes the steps of aggregating and storing leads from a plurality of lead suppliers, and storing lead order criteria information and lead source selection information for each of a plurality ... 04/13/06 - 20060080228 - Home equity protection contracts and method for trading them A method for creating, marketing, and selling a contractual instrument for protecting a value characteristic of a homeowner's residential real estate property is provided according to the invention. The derivative instrument can be created in the form of a simple contract like a “Home Equity Protection Product” sold to the ... 04/06/06 - 20060074795 - Super accelerated mortgage and other loan payoff and wealth accumulation The present invention describes methods of paying off existing mortgages and other debts at an accelerated pace. The methods include paying an existing mortgage on a simulated bi-weekly or other accelerated schedule without refinancing the existing mortgage. In addition, participants are rewarded with additional principal payments for successful loan referrals ... 04/06/06 - 20060074794 - Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments A method of making and securing a loan, including the steps of: taking a loan by a borrower; and lending money secured by real estate to the borrower. The loan terms include the borrower being responsible for the debt; the borrower has an option to request another entity make a ... 04/06/06 - 20060074793 - Transaction management system Methods, apparatuses and systems facilitating and enhancing processes associated with financial transactions. The present invention monitors and manages transaction-level work flows, and facilitates coordination of the tasks and operations associated with financial transactions. Embodiments of the present invention also allow for automation of various deal management, collateral analysis and due ... 03/30/06 - 20060069641 - Method, computer program product, and system for assuming a loan A system, computer program product, and method that enable a parent's Federal PLUS Loan to be refinanced by the student into a new private loan product. The system includes a computer network, server, storage device and Web Site. The system, computer program product and method all allow for online application ... 03/30/06 - 20060069640 - System and method for providing loan consolidation The present invention provides a computer-based system and method for providing processing loan consolidation applications. The method includes accepting a consolidation application from a borrower, the consolidation application containing information about a borrower and underlying loans to be consolidated. The application is validated to determine that the consolidation application is ... 03/23/06 - 20060064371 - Method of processing investment data and associated system A computerized method for processing investment data includes providing a server supporting a database for receiving, processing and storing investment data; providing a rules engine for processing rules data employing rules relating to credit assignment; introducing into the server investment data from a plurality of external sources, processing the rules ... 03/23/06 - 20060064370 - System, method for deploying computing infrastructure, and method for identifying customers at risk of revenue change A system (and method, and method for deploying computing infrastructure) for identifying a customer at risk of revenue change (e.g., revenue loss or revenue gain) including computing a risk score based on a plurality of risk factors associated with the customer. ... 03/16/06 - 20060059086 - Computer system and method for marketing and making loans to individuals for retirement savings A computer-based system and method administering and marketing a tax-advantaged loan program to loan consumers, plan administrators, and employers and method for lending money to employees based on their individual contributions to pension vehicles is disclosed. The system includes the use of computers and computer programs for marketing, underwriting, initiation, ... 03/16/06 - 20060059085 - Method, system, and computer program for on-demand short term loan processing and overdraft protection A method, system, and computer program for on-demand short term loan processing and overdraft protection is disclosed which utilizes computing equipment (10) to expedite and facilitate loan approval, overdraft protection, and the transfer of funds. The method generally includes the steps of: establishing a customer account for a customer; receiving ... 03/16/06 - 20060059084 - Method, system and computer program for on-demand short term loan processing A method, system, and computer program for on-demand short term loan processing is disclosed which utilizes computing equipment (10) to expedite loan approval and the transfer of funds. The method preferably includes the steps of: (a) establishing a loan account for a customer (100); (b) providing the customer access to ... 02/23/06 - 20060041504 - Method, system and program product for deterring credit fraud Under the present invention, a credit account can be associated with a locational restriction and a corresponding monetary restriction. The locational restriction sets forth a specific merchant or type of merchant at which a credit account can be used. The monetary restriction sets forth a maximum monetary amount that can ... 02/16/06 - 20060036536 - System and methods for evaluating the quality of and improving the delivery of medical diagnostic testing services Systems and methods may be utilized to obtain and evaluate data from various information resources associated with a diagnostic testing business for the purpose of identifying at-risk clients. A set of risk indicators is defined. Each risk indicator relates to a type of event that is determined to be indicative ... 02/16/06 - 20060036535 - Systems and methods for an online credit derivative trading system A credit derivative trading system comprises a credit derivative authority configured to receive defined positions for credit derivatives and update a plurality of trade clients in real-time whenever there is movement in the market for a particular credit derivative. ... 02/16/06 - 20060036534 - Systems and methods for an online credit derivative trading system A credit derivative trading system comprises a credit derivative authority configured to receive defined positions for credit derivatives and update a plurality of trade clients in real-time whenever there is movement in the market for a particular credit derivative. ... 02/09/06 - 20060031159 - Methods, apparatus and articles-of-manufacture for marketing mortgage and/or credit services over the web Preferred embodiments of the present invention comprise a system and method for providing mortgage and/or credit services over the Internet. In one embodiment, a preferred method comprises: (a) selectively providing information concerning a plurality of mortgage and/or credit programs to an Internet-connected user; (b) receiving an indication of whether the ... 02/09/06 - 20060031158 - Credit card with incentives tied to credit score A credit product issuer markets a credit product to a targeted group of consumers offering incentives to the targeted group if the consumers improves their management of their financial affairs, e.g., reduces a credit score. A consumer receives an application for the credit card and submits the credit card application ... 02/02/06 - 20060026096 - Method for managing risk in markets related to commodities delivered over a network A system, method, software, and portfolios for managing risk in markets relating to a commodity delivered over a network are described, in which a market participant constructs portfolios of preferably liquid price risk instruments in proportions that eliminate the Spatial Price Risk for the market participant's underlying position. Techniques are ... 02/02/06 - 20060026095 - Method for managing risk in markets related to commodities delivered over a network A system, method, software, and portfolios for managing risk in markets relating to a commodity delivered over a network are described, in which a market participant constructs portfolios of preferably liquid price risk instruments in proportions that eliminate the Spatial Price Risk for the market participant's underlying position. Techniques are ... 02/02/06 - 20060026094 - Systems and methods for distributing updated information in a stateless system Systems and methods for distributing updated property information to interrelated components based on property changes in other components are provided that allow the use of component abstraction. In one embodiment, the present invention may include a property broker system that monitors property changes in components, analyzes the which interrelated components ... 02/02/06 - 20060026093 - System and method for providing financing over the internet The present invention relates to a system implemented in a computer for providing financing via a communications network. The system includes: a computer comprising a processor; a memory coupled with the processor and a network interface coupled with the processor and the memory and with the communications network; user interface ... 02/02/06 - 20060026092 - Method and system for securitizing mortality risk Methods and apparatus, including computer systems, are provided for securitizing a mortality risk. A premium is received by an issuer from a counterparty, and the issuer provides coverage of a mortality risk to the counterparty. An investment is received by the issuer from an investor, and the issuer provides a ... 01/26/06 - 20060020539 - Insurance program method and system for student loans Methods and systems are provided for the student loan marketplace that enable third party insurers to participate in the market as forbearance or default bridges. Particularly, insurance is offered to student loan recipients, which cover specified circumstances of non-repayment to the lender. With such insurance coverage, defaults on loans can ... 01/05/06 - 20060004652 - Loan option algorithm adaptable to fully variable option loans and fixed option loans A system and program or method embodiment in a computer readable medium for monitoring a loan option program wherein the borrower has one of several options for omitting without penalty one or more installment payments, either on a fixed schedule or on a variable schedule. The basic method comprises a ... 01/05/06 - 20060004651 - Loan origination software system for processing mortgage loans over a distributed network 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 ... 01/05/06 - 20060004650 - Systems and associated methods for providing projected incentive based loans An incentive based loan method and related system provides a loan to a purchaser in association with the purchase of goods or services. An amount of purchases to be made by a purchaser, such as a small business, is projected over a period of time. The purchases can be goods ... 12/29/05 - 20050289046 - System and method for facilitating realtor-assisted loan shopping and origination An interactive Internet mortgage origination system and method for business-to-business use with selected point of access professionals. The system allows professionals, such as Realtors, builders, accountants, lawyers, insurance agents, financial planners, and other professionals already in close proximity to the mortgage transaction to actively participate in the transaction. The system ... 12/29/05 - 20050289045 - Systems and methods for automated loan processing and distribution using multiple channels Multiple business channels are provided for a borrower to apply for an automobile loan and, in addition, multiple channels are provided for the distribution of loan funds for approved applications to borrowers. Through implementation of a network of partner lenders, a primary lender may offer a seamless integration of its ... 12/29/05 - 20050289044 - Method and system for debt protection or cancellation A method for debt protection or cancellation may include providing an addendum for a debt protection or cancellation product for inclusion in a debt instrument. The method may also include serving the debt protection and cancellation product in response to a borrower purchasing the debt protection and cancellation product. ... 12/22/05 - 20050283429 - Scored negative file system and method System and method for validating a payment. The method can include obtaining a first account identifier, accessing a database containing a plurality of risk scores, each one of the plurality of risk scores being associated with one of a plurality of account identifiers, obtaining a first risk score from the ... 12/15/05 - 20050278249 - Business management system, method and tool The invented world-wide web-based financed-sale management method includes providing a computer with world-wide web access to databases including plural-customer credit ratings, plural-lender guidelines and user risk management guideline data; obtaining loan application data from a live customer; entering the loan application data into the computer over the world-wide web; and ... 12/15/05 - 20050278248 - Simulation program and simulation apparatus Simulation for evaluating approval/rejection of an action plan of the type in which work breakdown struction is changed by influences of external risk factors is achieved. A simulation apparatus includes a plan/risk input portion for accepting input of action plan data and risk scenario data, a plan/risk simulation portion for ... 12/15/05 - 20050278247 - Method and system for creating a purchasing strategy for a commodity Method and system for generating a report for use in buyer/supplier negotiations for purchasing a commodity. Embodiments include collecting data to define the technical capabilities of two or more suppliers to supply a commodity to a buyer, collecting data to define attributes of the commodity and the commodity market, and ... 12/15/05 - 20050278246 - Software solution management of problem loans An improved and automated ASP-delivered loan workout system, inclusive of communication architecture and software method that assists a user in improving the dialogue and counseling sessions between user, borrower, and other involved parties, and which increases loan servicer efficiency while decreasing the time and expense necessary to process loss mitigation ... 12/15/05 - 20050278245 - Method for measuring and managing risk taking into account human behavior A method of measuring and managing operational, credit and/or market risk within an organization with objective and subjective data. Psychometric and/or other personality assessment tools are applied to a selected group of people involved with the results being stored as subjective data in the measuring and management system along with ... 12/08/05 - 20050273423 - System, method, and apparatus for a complete mortgage solution for borrowers, mortgage brokers, mortgage bankers, and investors The system and method provide a complete solution for borrowers, brokers, mortgage bankers, and investors in the mortgage industry. The embodiments provide a centralized Internet system that auctions mortgage loans—a system for auctioning loans in the primary market and another for auctioning loans in the secondary market. There is a ... 12/08/05 - 20050273422 - System and method for managing credit risk for investment portfolios A system is disclosed for enabling a portfolio manager to obtain credit approval for an issuer of securities from a credit analyst. The system includes a relational database containing subjective and objective issuer information, a graphical user interface for permitting a portfolio manager to submit a credit approval request to ... 12/01/05 - 20050267837 - Methods and systems for managing financial loan products using co-signor arrangements Systems and methods are disclosed for managing financial loan products. The systems and methods may manage a financial loan product for a principal monetary amount and associated with a borrower, a co-signor, and an item of property, where the co-signor has a liability associated with the financial loan product. The ... 11/24/05 - 20050262015 - Systems and methods for hedging against risks associated with distressed instruments Systems and methods for hedging against risks associated with distressed instruments are provided. These systems and methods are preferably directed towards providing a party wishing to protect itself from such risks with the opportunity to enter into a transaction with a provider of protection whereby such a party pays a ... 11/24/05 - 20050262014 - Relative valuation system for measuring the relative values, relative risks, and financial performance of corporate enterprises A system and method for defining the value of a corporation by its categories of values, and determining the risk profile of the corporation by the relationship between the categories of value, termed the “Risk Signatures.” The system provides for the determination of the “Relative Values” of corporate enterprises, with ... 11/24/05 - 20050262013 - System and method for analyzing risk and profitability of non-recourse loans A system and method for assisting lenders in making decisions related to non-recourse loans employs a model which considers each risk relevant to the loan determination, including commercial and country risk factors. From this analysis, the present invention can determine the estimated default frequency (EDF), the loss given default (LGD), ... 11/10/05 - 20050251472 - Marketing of transaction cards A method for marketing a secured transaction card is presented. A credit history of a person is determined. A request for a line of credit is denied. The secured transaction card is offered at the same time the person is informed that a line of credit is denied. ... 11/03/05 - 20050246267 - Mortage financing system The present invention is a method for providing mortgage financing to a borrower while additionally creating the opportunity for the borrower to invest in their long and short-term financial security. In real estate purchase, a mortgage is extended for greater than the real estate purchase price. The surplus amount is ... 10/27/05 - 20050240517 - Automatically administering a non-disinvesting policy loan on an insurance contract A computerized system and method for administering non-disinvesting policy loans on insurance contracts. Grant or denial of a non-disinvesting policy loan on an insurance contract is based on market conditions and specific policy data. The invention administers such a loan in compliance with state insurance laws and security requirements, including ... 10/27/05 - 20050240516 - Computer support for mortgage lock option A computer-aided method for carrying out an option on a loan, for example a residential mortgage loan, the method including the steps of: receiving information into a memory, the specifications defining the option on the loan, the specifications including a trigger for executing the option, the specifications such as an ... 10/27/05 - 20050240515 - System and method for applying, processing, and underwriting student loans A loan application and processing system for student loans is supported on a server system connect to an Internet. The system includes an academic institution server facility, a financial institution communication server facility, and a Department of Education server facility, along with an interconnected database, email server, and processor, which ... 10/27/05 - 20050240514 - System and method for evaluating preferred risk definitions A method of characterizing relative risks associated with a plurality of financial products comprises the steps of identifying one or more risk classes associated with the products, determining for each risk class an expected occurrence rate, dividing the expected occurrence rates by an average rate to determine relative risk ratios, ... 10/20/05 - 20050234814 - System and method for allocating loans A system and method for allocating loans among a plurality of financial or lending entities is disclosed. The system and method match loan applications with lending entities having funds available for lending to that applicant according to one or more rules. In one embodiment, for example, a method comprises receiving ... 10/06/05 - 20050222943 - System and method for processing failed trades of mortgage backed securities The present invention provides a system and method for trading mortgage-backed securities (“MBS”). A system for trading includes a plurality of workstations interconnected by a server. The workstations receive data representing inventories of their MBS pools, which in turn are delivered to the server. The server, in turn, is operable ... 09/29/05 - 20050216395 - Method and system for vendor management 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 ... 09/22/05 - 20050209956 - Mortgage loan application method and apparatus A computerized method and apparatus for simplifying the complicated mortgage loan application process via inputting loan application data on a series of electronic screens utilizing indicia indicating if the form is complete or incomplete via red, yellow, and green light signals before generating loan documents for submittal and approval or ... 09/22/05 - 20050209955 - Apparatus and method for document processing The apparatus and methods of the present invention implement a universal document package which combines the loan data, rules, forms and form data into a single complete universal document package along with the tools to support various electronic and manual mortgage processing activities. In the most preferred embodiments of the ... 09/15/05 - 20050203834 - System and method for rating lenders The present invention is directed at a system and method to rate lender profiles to determine the level of risk that is present in the loans originated or purchased by a particular lender will have a misrepresentation or as a result of material inaccuracies in the financial information provided by ... 09/15/05 - 20050203833 - Methods and systems for financing food expenses with a loan secured by real property Methods and systems provide a loan to a borrower. An identification of real property and a specification of a monetary amount to be used for future payment of food expenses is received. A total loan value for the real property and the specified monetary amount is calculated. Approval of the ... 09/15/05 - 20050203832 - Method for offering representation and warranty insurance for mortgage loans An insurance program for entities in the mortgage industry that provides coverage for financial loss as a result of material inaccuracies in the financial information provided by or on behalf of the borrower. The insurance program preferably includes the initial insurance application and establishment of an insurance agreement, periodic issuing ... 09/15/05 - 20050203831 - Method for determining premiums for representation and warranty insurance for mortgage loans An insurance program for entities in the mortgage industry that provides coverage for financial loss as a result of material inaccuracies in the financial information provided by or on behalf of the borrower. The insurance program preferably includes the initial insurance application and establishment of an insurance agreement, periodic issuing ... 09/15/05 - 20050203830 - Method for handling claims arising under representation and warranty insurance for mortgage loans An insurance program for entities in the mortgage industry that provides coverage for financial loss as a result of material inaccuracies in the financial information provided by or on behalf of the borrower. The insurance program preferably includes the initial insurance application and establishment of an insurance agreement, periodic issuing ... 09/15/05 - 20050203829 - Cost and contribution sales calculator and method Embodiments consistent with the invention include a system 5 that a sales representative may use to determine the financial characteristics of sales that he or she has already made to an account, or to evaluate the financial impact of sales opportunities to an existing or potential account. A computer implemented ... 09/15/05 - 20050203828 - Insurance claim information system There is provided an insurance claim processing system. An agent converts a data point from a first format into a uniform format. The data point represents data from an insurance claim. A collector receives the data point in the uniform format and sends the data point to a data store. ... 09/08/05 - 20050197953 - Method and apparatus for a mortgage loan originator compliance engine The automated compliance engine of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used to control and drive the process of handling a mortgage loan application to completion and to monitor the completion ... 09/08/05 - 20050197952 - Risk mitigation management Risk mitigation and management is provided through an executive management application for the active management of operational risks, derived from exposure to factors that threaten strategic objectives related to operations, strategy, regulation and recording priorities. This system is based on a architecture that automates the Committee Of Sponsoring Organizations (COSO) ... 09/01/05 - 20050192891 - System and method for providing access to detailed payment experience A system and method for providing access to detailed payment experience includes a data acquisition component, a data calculation component, a data synthesis component, and at least one storage device. The data acquisition component captures detailed trade data from various sources. The data storage component calculates a plurality summarized variables ... 08/25/05 - 20050187861 - Mortgage prepayment and record-keeping system A method for mortgage prepayment and record-keeping including the steps of: making required monthly mortgage payment, selecting a prepayment amount, making a prepayment in the selected amount, and completing a register of payments and savings. ... 08/25/05 - 20050187860 - System and method for matching loan consumers and lenders A system and method for matching a loan consumer with lenders via the Internet includes receiving loan consumer application information. The application information is stored in a database. A filter is applied to the information to determine if the loan consumer meets a set of loan criteria. A subset of ... 08/18/05 - 20050182709 - Automated financial scenario modeling and analysis tool having an intelligent graphical user interface A financial scenario modeling and analysis tool, including a graphical user interface which enables a user of the tool to create a graphical model of a financial scenario, generally including at least one financial transaction, on a display screen, and an engine operable, in response to creation of the graphical ... 08/18/05 - 20050182708 - Financial transaction analysis using directed graphs A method, computer system, and computer program for determining suspect entities engaged in financial transactions. A focus entity and peripheral entities are selected such that each peripheral entity has financial transactions with F within a period of time that is subsequently partitioned into at least two time intervals. Directed graphs ... 08/11/05 - 20050177492 - Apparatus and method for asset tracking and recovery The apparatus and methods of the present invention provide for the monitoring and tracking of various items such as vehicles that may be used as collateral to secure a loan or lease. The present invention thereby provides for the efficient and effective recovery of collateral by a lien holder in ... 08/11/05 - 20050177491 - Real estate transaction method The present invention is an improved business method that marries the real estate listing process with property improvement services to enable the property seller to sell an improved property without bearing the costs of the improvement. The real estate professional bears the initial financial burden of providing the home improvement ... 08/11/05 - 20050177490 - Methods and systems for financing healthcare expenses with a loan secured by real property Methods and systems provide a loan to a borrower. An identification of real property and a specification of medical and/or healthcare services is received. A total loan value for the real property and specified medical and/or healthcare services is calculated. Approval of the loan secured by the real property for ... 08/11/05 - 20050177489 - Method for licensed lender disbursement of loan proceeds to an out-of-state borrower to establish with greater certainty that the law of the state in which the licensed lender is located is the state law which governs the loan transaction A method for disbursing loan proceeds, which has the following steps: (a) a borrower residing in a different jurisdiction from the location of a licensed lender contacting said lender about obtaining a loan; (b) said licensed lender forwarding the application to said borrower; (c) said borrower transmitting the executed loan ... 08/11/05 - 20050177488 - Rent default insurance method A method of insuring a lessor against default on the part of a lessee may provide indemnification for the lessor if the lessee defaults on a rental agreement. An exemplary method of insuring a lessor may allocate risk of default to the lessee, requiring a lessee of questionable creditworthiness to ... 08/11/05 - 20050177487 - System and method for estimating cash flow at risk for a non-financial institution A method for estimating cash flow at risk for a non-financial entity over a particular future time period, including receiving quarterly data associated with at least two of a plurality of non-financial entities, generating a plurality of data elements, each of the plurality of data elements representing a portion of ... 07/28/05 - 20050165673 - System and method for providing financing A method of providing financing is provided. The method provides financing for allowing a customer to purchase a product selected from an inventory of products maintained by a dealer. The method includes the steps of maintaining a database of the dealer's inventory, gathering information from the customer, calculating a credit ... 07/28/05 - 20050165672 - System and method for bundling telecommunications and utilities into a mortgage A system and method is provided for delivering products and services to a homebuyer during a mortgage transaction. In one example, a bundling company sells products and services to a client at wholesale prices. A cost of selected products and services is calculated. The bundling company integrates the cost of ... 07/21/05 - 20050160033 - System and method for aiding commercial property assessment A computer system and method is disclosed that aids assessors in valuing commercial real estate. To support their cost-based value, assessors use the system to generate an income-based value. The user inputs ranking criteria. The system has a database of rents, vacancy rates, expenses, and cap rates that are derived ... 07/14/05 - 20050154669 - Carbon credit marketing system A carbon credit system includes a server computer operably connected to an Internet and having an operating system and a memory operably associated therewith, carbon credit software operably disposed in the memory and accessible through said operating system, wherein a carbon credit product or carbon credit service can be purchased ... 07/07/05 - 20050149434 - Method for endowing a tax exempt organization A method for establishing a contractually guaranteed and lucrative endowment fundraising program. The program utilizes a third party lender, such as a bank, that finances a premium for a life insurance policy. The life insurance policy is owned by the tax-exempt organization for the life of a key person of ... 07/07/05 - 20050149433 - Method and apparatus for monitoring the collateral risk analysis for commodity lenders The risk of loss in individual collateral loans may be evaluated by taking into consideration the market supply and demand for the collateral/asset, as well as the amount of the loan balance in proportion to the value of the collateral. A Collateral Risk Index is determined using information regarding the ... 07/07/05 - 20050149432 - System and method of online real estate listing and advertisement A system and method for online real estate listing and advertisement, wherein the present invention provides real estate buyers, sellers, rental property owners and/or investors with the ability to purchase notification rights or leads to a variety of real estate activities generated within a selected geographic region. In addition thereto, ... 07/07/05 - 20050149431 - Methods for converting renters into property owners Methods for converting a renter into a property owner in cooperation with an investor comprise a third party finding the renter as well as the investor agreeing to purchase a property selected by the renter. During a phase one period of time the investor receives rent from the renter and ... 07/07/05 - 20050149430 - Device with gps to manage risk for financial transactions The present teachings describe a system for processing financial transactions. In one embodiment, the system includes a remote terminal adapted to identify the location of financial transactions via global positioning system (GPS) information such that the remote terminal acquires transaction information from a user and transmits a first signal indicative ... 06/30/05 - 20050144119 - Financing structure A junior loan made by a junior lender to an owner/lessor of commercial real estate that is leased from the owner to a tenant. Ownership of the real estate and the lease may be arranged in one or more special-purpose entities (SPE's) bankruptcy remote from obligations unrelated to the real ... 06/30/05 - 20050144118 - Method and system for hedging risk of college expenses using options The present invention addresses uncertainties associated with future college education expenses, and provides a means to resolve these uncertainties. It relates to methods and systems for creating and maintaining an options market for college education expenses. In this system and method, a group of colleges and universities (member institutions) similar ... 06/30/05 - 20050144117 - Loan option model Systems and techniques for operating on data to value an instrument include representing an account include accessing a transition matrix including probabilities for a borrower transitioning from one credit rating to another; determining for each credit rating whether a borrower will stand or exercise a loan option; valuing the loan ... 06/23/05 - 20050137968 - System and method for internet based marketing and information management for mortgage loans The present invention generally provides systems and methods for processing loans and generating leads for loans. Loans are generally processed by receiving at least one lead relating to one or more individuals interested in obtaining a loan from a registered user, assigning the lead to a loan officer, which may ... 06/23/05 - 20050137967 - Equity based incentive compensation plan computer system A system and process linking an external computer with a system of a lending institution, a market information vendor or brokerage company, to provide for simultaneous tracking of one or more investments by a Plan to ensure each Plan's investment provides adequate collateral for the lender. Further, the system provides ... 06/23/05 - 20050137966 - Flow control credit synchronization Machine-readable media, methods, and apparatus are described to maintain synchronization of redundant devices. In one embodiment, a transmitter sends data packets to a receiver via a primary channel. Further, the transmitter may throttle data packet transfers on the primary channel based upon credit limits associated with the primary channel and ... 06/23/05 - 20050137965 - Business method involving home construction using attic trusses to enhance appraised value, mortgaging appraised value with a less-than-fully-amortized loan and investing the surplus and normal principal pay-down amount A method of doing business includes at least the steps of: constructing a home using attic trusses to minimize construction costs per unit size and maximize the above-grade size thereof; selling the home for less than its appraised value, in order to provide a buyer with equity in the home; ... 06/16/05 - 20050131804 - Billing workflow system for crediting charges to entities creating derivatives exposure An automated billing workflow system receives credit valuation adjustment (CVA) amounts associated with derivatives trades. The automated billing workflow system interacts with an Accounting System in order to make appropriate Profit and Loss (P&L) entries for the CVA amounts. The CVA amounts are billed to the business units which actually ... 06/09/05 - 20050125334 - Automated method and system for processing mortgage leads An automated, computerized method for processing mortgage leads is disclosed. The method according to an exemplary embodiment of the present invention includes the steps of aggregating and storing mortgage leads from a plurality of mortgage lead suppliers, and storing mortgage lead order criteria information and mortgage lead source selection information ... 06/02/05 - 20050119967 - Information processing device and method, program storage medium and program The present invention relates to an information processing apparatus and method, a program storage medium, and a program for distributing usage rights for individual smaller details without placing a burden on a client. A usage right held by a content holder server 6 is provided to a license server 4. ... ### FreshPatents.com Support |