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EP1309923A1 - Demande numerique de pret - Google Patents

Demande numerique de pret

Info

Publication number
EP1309923A1
EP1309923A1 EP01955822A EP01955822A EP1309923A1 EP 1309923 A1 EP1309923 A1 EP 1309923A1 EP 01955822 A EP01955822 A EP 01955822A EP 01955822 A EP01955822 A EP 01955822A EP 1309923 A1 EP1309923 A1 EP 1309923A1
Authority
EP
European Patent Office
Prior art keywords
loan
loan application
applicant
lender
application
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP01955822A
Other languages
German (de)
English (en)
Other versions
EP1309923A4 (fr
Inventor
Laurence Honarvar
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
CGI Technologies and Solutions Inc
Original Assignee
American Management Systems Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by American Management Systems Inc filed Critical American Management Systems Inc
Publication of EP1309923A1 publication Critical patent/EP1309923A1/fr
Publication of EP1309923A4 publication Critical patent/EP1309923A4/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a digital loan application and, more particularly, to a
  • the loan applicant when a loan applicant intends to transmit a loan application to multiple lenders, the loan applicant might use a loan broker operating on the Internet. For example, the loan applicant would complete a loan application over the Internet with the loan broker.
  • loan broker would then transmit the data in the loan application to multiple lenders. Each lender would then manually re-enter the data into its own computer system. However, such
  • Objects of the present invention are achieved by providing a loan application in a
  • Objects of the present invention are further achieved by providing a method which includes (a) providing software by a software provider for creating a loan application in a standardized, digital format electronically acceptable my multiple lenders; (b) creating a loan
  • the loan applicant through a computer communication network to a respective lender of the multiple lenders for electronic processing by the lender; and (d)providing payment by the respective lender to the software provider for the loan application.
  • a method which includes (a) providing a web site by a loan application provider, the web site including
  • a method including (a) providing a web site by a loan application provider, the web site including software for
  • FIG. 1 is a diagram illustrating a loan application, according to an embodiment of the
  • FIG. 2 is a diagram illustrating a loan application process, according to an embodiment
  • FIG. 3 is a diagram illustrating a loan application process, according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating a loan application process, according to an additional
  • FIG. 5 is a diagram illustrating a loan application process, according to a further embodiment
  • FIG. 6 is a diagram illustrating a network architecture, according to an embodiment of the present invention.
  • FIG. 1 is a diagram illustrating a loan application, according to an embodiment of the present invention.
  • a loan application 10 is in a standardized, digital
  • loan application 10 is in a format which is agreed to by multiple different lenders
  • loan application 10 so that these lenders can electronically accept loan application 10.
  • the entire loan industry, or sectors of the loan industry agree to the same standard.
  • Application 10 includes a plurality of fields 12, which include Field 1 through Field N.
  • Field 1 might be for entering a name of a loan applicant
  • Field 2 might be for entering a street address of the loan applicant
  • Field 3 might be for entering a state of the loan
  • field 4 might be for entering a zip code of the loan applicant.
  • Various fields might be
  • the transmission protocol for transmitting loan application 10 would also be referred to.
  • loan application 10 can easily be transmitted to, and electronically processed by, different lenders.
  • loan application 10 would include a digital signature 14 of the loan applicant, to verify the identify of the loan applicant.
  • digital signature 14 of the loan applicant
  • loan application 10 might allow for electronic documents (not illustrated) to be attached to loan
  • Such electronic documents might include, for example, a credit report of the loan applicant.
  • the completed loan application 10 would typically be encrypted before being transmitted to lenders. There are many different encryption technologies that can be used for
  • FIG. 2 is a diagram illustrating a loan application process, according to an embodiment
  • a software provider (not illustrated) provides software for creating loan application 10. As indicated above, loan
  • application 10 is in a standardized, digital format electronically acceptable my multiple lenders
  • loan application 10 to at least one lender which electronically accepts loan application 10.
  • loan application 10 loan
  • application 10 might be transmitted to only one lender, or to multiple lenders.
  • lenders which receive loan application 10 provide payment to the software provider for loan application 10, to thereby compensate the software provider for the creation
  • the response typically provide a response indicating a result of the processing.
  • the response typically provide a response indicating a result of the processing.
  • the response may be provided.
  • the response might provide several different types of information, and the present invention is not limited to any specific information provided in the response.
  • lenders transmit responses directly to the loan applicant
  • Such a response might be, for
  • an email or page For example, an email or page.
  • lenders transmit responses to the loan applicant via a third party through a computer communications network.
  • the third party would typically be a
  • trusted third party which electronically verifies the identities of the loan applicant and possibly the lenders.
  • the third party might acquire electronic verification documents via third party
  • verification documents might include, for example, a credit report and/or Internal Revenue Service (IRS) information. Such electronic verification documents could typically be made attachable to loan application 10. The third party may possibly perform some other services
  • lenders provide responses on web sites (not illustrated). From operation 32, the process moves to
  • each lender might provide a response on a respective web site associated
  • operation 26 is shown between operations 24 and 27.
  • the present invention is shown
  • operation 26 might occur between
  • FIG. 3 is a diagram illustrating a loan application process, according to an additional
  • FIG. 3 is the same as FIG. 2, except that operation 26 has been replaced with operation 35.
  • operation 35 the loan applicant pays the software
  • loan application 10 whereas in FIG. 3, the loan applicant pays the software provider for loan
  • operation 35 is shown between operations 24 and 27.
  • the present invention is not limited to this order. For example, operation 35 might occur between
  • FIG. 4 is a diagram illustrating a loan application process, according to an additional
  • the web site would typically be provided by, or associated with,
  • loan application 10 on the web site via the software included on the web site.
  • the process moves to operation 40, where the loan application provider transmits the created loan application 10 to at least one lender through a computer communications network.
  • application 10 electronically process loan application 10.
  • operation 42 is shown between operations 40 and 43.
  • the present invention is not limited to this order.
  • operation 42 might occur some time after operation 43.
  • FIG. 5 is a diagram illustrating a loan application process, according to a further embodiment
  • FIG. 5 is the same as FIG. 4, except that operation 42
  • operation 50 is shown between operations 40 and 43.
  • the present invention is shown
  • operation 50 might occur some time after operation 43.
  • loan application 10 see, for example, operation 27 in FIGS. 2 and 3, operation 43 in FIGS. 4
  • Processing is performed by the lenders to determine whether or not a loan should be made to the loan applicant based on information in
  • Such positive verification could be performed, for example, by a third party that might, for example, ask questions of the loan applicant. If the questions are answered correctly, the third party would verify the identity of the loan applicant. Biometric systems might also be used to verify the identify of the loan
  • loan application 10 might be allowed to
  • the loan application might want to include a statement that the loan applicant
  • loan application 10 might provide a space for such subjective requirements
  • FIG. 6 is a diagram illustrating a network architecture, according to an embodiment of
  • FIG. 6 a loan applicant 100 is connected to a loan applicant 100
  • Computer communication network 104 suitable for computer communication between parties connected thereto.
  • Computer communication network 104
  • WAN wide area network
  • LAN local area network
  • wireless communication system an optical communication system
  • a third party 106 could also be connected to computer communication network 104 for
  • element 100 shown in FIG. 6 would be a computer, personal digital assistant (PDA), terminal, or other any other type of communication device which the loan applicant •
  • PDA personal digital assistant
  • Each respective element 102 shown can use to access computer communication network 104.
  • Each respective element 102 shown can use to access computer communication network 104.
  • FIG. 6 would typically be a web site, terminal, or electronic access point which the associated lender would use to access computer communications network 104. Similarly,
  • element 106 shown in FIG. 6 would typically be a web site, terminal, or electronic access
  • applicant 100 and third party 106, and between third party 106 and lenders 102 would occur via computer communication over computer communication network 104.
  • communications networks which can be used to implement the present invention, and the present invention is not limited to any specific type of network architecture or computer communications network.
  • loan application would provide an appropriate level of security through, for example, the use of digital signatures and encryption technology.
  • the loan application would use an exensible architecture.
  • the above embodiments of the present invention provide a vehicle for which a loan applicant can complete a loan application with all of the loan applicant's associated data in a standardized format accepted by multiple lenders. This allows the loan applicant to enter
  • the type of the data is the data once, and to then transmit the application to multiple lenders.
  • the type of the data is the data once, and to then transmit the application to multiple lenders.
  • the type of the data is the data once, and to then transmit the application to multiple lenders.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Lubrication Of Internal Combustion Engines (AREA)
  • Lubricants (AREA)

Abstract

L'invention concerne une demande de prêt ayant un format numérique normalisé électroniquement accepté par plusieurs bailleur de fonds (102). L'invention concerne différents procédés dans lesquels la demande de prêt est rémunérée par un demandeur (100) de prêt, un bailleur de fonds (102) ou un fournisseur (106) de demande de prêt.
EP01955822A 2000-07-14 2001-07-13 Demande numerique de pret Withdrawn EP1309923A4 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US617042 1984-06-04
US61704200A 2000-07-14 2000-07-14
PCT/US2001/022049 WO2002006989A1 (fr) 2000-07-14 2001-07-13 Demande numerique de pret

Publications (2)

Publication Number Publication Date
EP1309923A1 true EP1309923A1 (fr) 2003-05-14
EP1309923A4 EP1309923A4 (fr) 2003-05-14

Family

ID=24472026

Family Applications (1)

Application Number Title Priority Date Filing Date
EP01955822A Withdrawn EP1309923A4 (fr) 2000-07-14 2001-07-13 Demande numerique de pret

Country Status (4)

Country Link
EP (1) EP1309923A4 (fr)
AU (1) AU2001277877A1 (fr)
CA (1) CA2416075A1 (fr)
WO (1) WO2002006989A1 (fr)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7593893B1 (en) 2000-06-13 2009-09-22 Fannie Mae Computerized systems and methods for facilitating the flow of capital through the housing finance industry
CN102496107A (zh) 2002-02-14 2012-06-13 Z·佩森 一种分布式资本系统的装置和方法
WO2004061556A2 (fr) 2002-12-30 2004-07-22 Fannie Mae Systeme et procede pour traiter des donnees relatives a des actifs financiers
US7593889B2 (en) 2002-12-30 2009-09-22 Fannie Mae System and method for processing data pertaining to financial assets
AU2003297296A1 (en) 2002-12-30 2004-07-29 Fannie Mae System and method for creating and tracking agreements for selling loans to a secondary market purchaser
US8046298B1 (en) 2003-07-21 2011-10-25 Fannie Mae Systems and methods for facilitating the flow of capital through the housing finance industry

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5930776A (en) * 1993-11-01 1999-07-27 The Golden 1 Credit Union Lender direct credit evaluation and loan processing system
US6088686A (en) * 1995-12-12 2000-07-11 Citibank, N.A. System and method to performing on-line credit reviews and approvals
US5995947A (en) * 1997-09-12 1999-11-30 Imx Mortgage Exchange Interactive mortgage and loan information and real-time trading system

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
No Search *
See also references of WO0206989A1 *

Also Published As

Publication number Publication date
WO2002006989A1 (fr) 2002-01-24
CA2416075A1 (fr) 2002-01-24
AU2001277877A1 (en) 2002-01-30
EP1309923A4 (fr) 2003-05-14

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Legal Events

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PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

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A4 Supplementary search report drawn up and despatched

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Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE TR

AX Request for extension of the european patent

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Effective date: 20040729

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Effective date: 20050309