| 6012047 |
Reverse mortgage processing system |
| Jan-4-2000 |
A data processing system for selectively determining an appropriate balance of credit parameters associated with the issuance of Reverse Equity Mortgage financing. The system manages the risk associated... |
| 6006207 |
System and method for loan prepayment discounts |
| Dec-21-1999 |
A method and system of implementing a loan in a billing system includes memory storing information relating to the loan, the information including a principal balance of the loan, a term of the loan, and... |
| 5999919 |
Efficient micropayment system |
| Dec-7-1999 |
Existing software proposals for electronic payments can be divided into "on-line" schemes which require participation of a trusted party (the bank) in every transaction and are secure against overspending,... |
| 5999910 |
Processing a workflow item |
| Dec-7-1999 |
A computer-based method is provided for use in processing a work item in an automated workflow system. Suspension information relating to a previous suspension of the work item is stored. Based on the... |
| 5995947 |
Interactive mortgage and loan information and real-time trading system |
| Nov-30-1999 |
The invention provides a method and system for trading loans in real time by making loan applications, such as home mortgage loan applications, and placing them up for bid by a plurality of potential lenders.... |
| 5991750 |
System and method for pre-authorization of individual account transactions |
| Nov-23-1999 |
An account processing method and system for providing specific pre-authorization parameters for categories of transactions that would otherwise be completely denied authorization using only general authorization... |
| 5991747 |
Electronic purse loan system |
| Nov-23-1999 |
When the amount of a former loan of the user of an IC card is written to a personal information storage provided in a center and the IC card is inserted into the slot of an electronic purse terminal at... |
| 5991745 |
Reverse mortgage loan calculation system and process |
| Nov-23-1999 |
A system and process of calculating monetary payments by a lender to a borrower based on the value of an asset using at least one of a plurality of constants stored in look-up tables. The process includes... |
| 5987436 |
Obligated investment system |
| Nov-16-1999 |
A financial management data processing system determines monetary amounts related to a loan. The loan consists of a base loan amount to be used by a borrower, for which a lender charges the borrower an... |
| 5983206 |
Computer system and computer-implemented process for implementing a mortgage partnership |
| Nov-9-1999 |
A computer system and computer-implemented process creates single mortgage documents with multi-part obligations. The obligations allow for financing of real property ownership through a combination of... |
| 5978780 |
Integrated bill consolidation, payment aggregation, and settlement system |
| Nov-2-1999 |
The present invention is an integrated bill consolidation, payment aggregation, and account-payment application system. The system acts as a settlements exchange for the execution of payments between households... |
| 5970478 |
Method, apparatus, and program for customizing credit accounts |
| Oct-19-1999 |
An apparatus, method, and program for customizing credit accounts and calculating an appropriate price for this customization. Customers with existing credit accounts and customers applying for new accounts... |
| 5966700 |
Management system for risk sharing of mortgage pools |
| Oct-12-1999 |
The present invention relates to a computer system for managing the allocation of mortgage pool risk between a mortgage originator and a funding institution. The mortgage originator issues a mortgage and... |
| 5966699 |
System and method for conducting loan auction over computer network |
| Oct-12-1999 |
A computer system for conducting an electronic loan auction over a computer network such as the Internet. The computer system includes a computer connected to the Internet, which performs the following... |
| 5966693 |
Method for combining loan with key employee life insurance |
| Oct-12-1999 |
A leveraged whole or universal life insurance plan is administered using a computer processing method to ensure lender security, accumulation of value to an employee, and minimum tax exposure. The employer... |
| 5963926 |
Computer implemented method, system and apparatus for processing various transactions using a plurality of transaction cards |
| Oct-5-1999 |
A method, apparatus and computer program for processing plural types of transactions by a transaction processor connected to plural companies of different industries via a network. Use of the invention... |
| 5953710 |
Children's credit or debit card system |
| Sep-14-1999 |
Methods and credit or debit card systems are disclosed that allow the available credit to be determined by someone other than the card issuer and that allow a limit to be set on the number of expenditures... |
| 5950179 |
Method and system for issuing a secured credit card |
| Sep-7-1999 |
A computer-implemented method for issuing a credit card to a customer who has difficulty qualifying for unsecured credit or who requests a secured credit card. A card request input is received indicating... |
| 5946669 |
Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange |
| Aug-31-1999 |
This disclosure describes a payment and disbursement system, wherein an initiator authorizes a payment and disbursement to a collector and the collector processes the payment and disbursement through an... |
| 5946668 |
System and method for funding a home investment trust |
| Aug-31-1999 |
A system and method for funding a home investment trust program to provide for home mortgage payments to pay for a home throughout the mortgage period, a first trust fund and a cash-out amount payable... |
| 5940813 |
Process facility management matrix and system and method for performing batch, processing in an on-line environment |
| Aug-17-1999 |
A processing system and method receive batch payment data from a plurality of different sources, such as lock-boxes, an ATM or customer activated terminal, an enhanced telephone, a bank teller, or a personal... |
| 5940812 |
Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network |
| Aug-17-1999 |
A loan origination system including an apparatus and method for automatically matching a best available loan to a potential borrower, via a global telecommunications network. The loan origination system... |
| 5940811 |
Closed loop financial transaction method and apparatus |
| Aug-17-1999 |
A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's checks,... |
| 5937394 |
System and method for pseudo cash transactions with credit back |
| Aug-10-1999 |
A system and method for pseudo cash transactions allows a portion of the pseudo cash to be refunded through use of a credit back indicator which is used by a record adjuster to adjust the file associated... |
| 5933817 |
Tiered interest rate revolving credit system and method |
| Aug-3-1999 |
A method and a system for operating a revolving credit program utilizing a table of tiered interest rates in which one of the interest rates is applied as a finance charge to a remaining outstanding balance... |
| 5930776 |
Lender direct credit evaluation and loan processing system |
| Jul-27-1999 |
An apparatus and method for automatic credit evaluation and loan processing is disclosed. The apparatus includes a central processing unit which has capabilities for communicating with off-site remote... |
| 5930775 |
Method and apparatus for determining an optimal investment plan for distressed residential real estate loans |
| Jul-27-1999 |
Methods, system, and article of manufacture are provided for processing real estate loans based on loan data including personal data relating to a borrower, financial information relating to the borrower's... |
| 5926800 |
System and method for providing a line of credit secured by an assignment of a life insurance policy |
| Jul-20-1999 |
A system for providing loans to owners of life insurance policies who are terminally ill or aged. The system comprises a statistical module, medical module and a financial module which together operate... |
| 5918217 |
User interface for a financial advisory system |
| Jun-29-1999 |
A user interface for a financial advisory system is provided. According to one aspect of the present invention, a user may interactively explore how changes in one or more input decisions such as a risk... |
| 5913212 |
Personal journal |
| Jun-15-1999 |
eThe personal journal system of the invention tracks personal contacts made by a first user of a personals system with other users of the system. The system may be implemented on a local computer network... |
| 5911136 |
System for prioritized operation of a personal financial account comprising liabilities and investment assets |
| Jun-8-1999 |
A personal financial management program is for implementing, coordinating, supervising, analyzing and reporting upon investments in an array of asset accounts and credit facilities within a client account.... |
| 5911135 |
System for managing financial accounts by a priority allocation of funds among accounts |
| Jun-8-1999 |
A personal financial management program is disclosed for implementing, coordinating, supervising, analyzing and reporting upon investments in an array of asset accounts and credit facilities within a client... |
| 5907828 |
System and method for implementing and administering lender-owned credit life insurance policies |
| May-25-1999 |
The invention relates to a system for analyzing and managing at least one lender owned life insurance policy on behalf of a lender to improve loan profitability, achieve investment results from the COLI,... |
| 5903879 |
Method of managing a loan for funding a pension |
| May-11-1999 |
An employee eligible to participate in a pension plan is loaned up to the full employee contribution to the plan, thereby encouraging participation in the pension plan. This "Participation Loan" includes... |
| 5899982 |
Bank-centric service platform, network and system |
| May-4-1999 |
A banking service platform is provided that enables bank-centric access and control by a customer at a remote location of financial information, products and services maintained by a bank at a central... |
| 5897621 |
System and method for multi-currency transactions |
| Apr-27-1999 |
A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a communication... |
| 5884285 |
System for managing financial accounts by reallocating funds among accounts |
| Mar-16-1999 |
A personal financial management program is disclosed for implementing, coordinating, supervising, analyzing and reporting upon investments in an array of asset accounts and credit facilities within a client... |
| 5884274 |
System and method for generating and executing insurance policies for foreign exchange losses |
| Mar-16-1999 |
A system and method for providing a foreign exchange insurance policy that automatically considers factors such as the type of currency, exchange rate, amount of coverage, and period of coverage, to determine... |
| 5878404 |
System and method for managing the amortization of a loan |
| Mar-2-1999 |
A system for managing the amortization of a loan to a debtor includes memory, a data input module, a module for tracking principal reduction and a rate adjustment option module. The memory stores data... |
| 5878403 |
Computer implemented automated credit application analysis and decision routing system |
| Mar-2-1999 |
A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective... |
| 5870721 |
System and method for real time loan approval |
| Feb-9-1999 |
A method and apparatus for closed loop, automatic processing a loan, including completion of the application, underwriting, and transferring funds, includes use of a programmed computer to interface with... |
| 5870720 |
Method for implementing a restructuring exchange of an excessive undivided debt |
| Feb-9-1999 |
A method for restructuring an excessive underlying mortgage in excess of its current market value so that the value of the restructured underlying mortgage and the property to which it attaches exceeds... |
| 5864828 |
Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation |
| Jan-26-1999 |
A personal financial management program is for implementing, coordinating, supervising, analyzing and reporting upon investments in an array of asset accounts and credit facilities within a client account.... |
| 5852811 |
Method for managing financial accounts by a preferred allocation of funds among accounts |
| Dec-22-1998 |
A personal financial program is disclosed incorporating means of implementing, coordinating, supervising, planning, analyzing and reporting upon investments in an array of asset accounts and liability... |
| 5832461 |
System and method of investment management including means to adjust deposit and loan accounts for inflation |
| Nov-3-1998 |
Data processing for novel form of relationship management links, supervises, and balances depositors, marketing agents, financial intermediaries, mortgage brokers, and borrowers in an inflation-adjusted... |
| 5819230 |
System and method for tracking and funding asset purchase and insurance policy |
| Oct-6-1998 |
A computer and communications system facilitates the administration of a mortgage and life insurance combination program in which all or a portion of the funds normally used as a down payment are used... |
| 5809484 |
Method and apparatus for funding education by acquiring shares of students future earnings |
| Sep-15-1998 |
A data processing system and method for administering a plan for funding investments in education is provided. The education investment plan includes a unit investment trust for financing the educations... |
| 5802501 |
System and methods for computing to support decomposing property into separately valued components |
| Sep-1-1998 |
A computer system, and methods for making and using it, for manipulating digital electrical signals to produce an illustration of a decomposition of property into separately valued components. The computer... |
| 5797133 |
Method for automatically determining the approval status of a potential borrower |
| Aug-18-1998 |
A method is provided for the real-time automatic determination of the approval status of a potential borrower of a loan. The method of acquiring information from the potential borrower includes the steps... |
| 5774883 |
Method for selecting a seller's most profitable financing program |
| Jun-30-1998 |
A transaction management system and method of validating the sale of an asset. The system may be used by a vehicle dealership to evaluate a customer's credit risk, budgetary factors, and profitability... |
