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公开(公告)号：US20210256552A1
公开(公告)日：2021-08-19
申请号：US15975536
申请日：2018-05-09
发明人： Benjamin Tarmann , Richard R.. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
摘要： A computer-implemented method of incentivizing an insurance agent to update a memory storage location. The method includes receiving, at one or more processors, a message indicating an agent updated a memory storage location with information about a customer or a real estate property. The method also includes increasing, via the one or more processors and according to an interval of time, a score of the agent for at least one item of information about one or more of the customer or the real estate property updated to the memory storage location. The method further includes calculating, via the one or more processors, an agent rating based upon the score of the agent, the agent rating used to compute one or more of compensation or bonus of the agent.
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公开(公告)号：US10943294B1
公开(公告)日：2021-03-09
申请号：US15975184
申请日：2018-05-09
发明人： Benjamin Tarmann , Richard R.. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
摘要： A computer-implemented method of continuously updating information about a customer approved for a mortgage, the customer associated with a customer identification number. In one aspect, the method may include monitoring information accessed from a blockchain corresponding to the customer identification number, the information used to determine the customer is approved for a mortgage. In addition, the method may further include receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. Further, the method may include updating a block of the blockchain to include the new information and recalculating the amount in which the customer is approved for a mortgage based upon the new information received.
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公开(公告)号：US11244387B1
公开(公告)日：2022-02-08
申请号：US15975442
申请日：2018-05-09
发明人： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
摘要： A system and computer-implemented method for approving a dynamic mortgage application. The method includes determining a customer is approved for a mortgage, including calculating an amount in which the customer is approved for a mortgage loan based upon the information about the customer retrieved from a memory storage location. The method further includes determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from the memory storage location. The method still further includes comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property, and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets or exceeds the calculated appraisal value of the real estate property.
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公开(公告)号：US11151647B1
公开(公告)日：2021-10-19
申请号：US16997842
申请日：2020-08-19
发明人： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
摘要： A system and computer-implemented method of identifying multiple mortgage ready properties using computer technology and/or machine learning algorithms or artificial intelligence. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing, at a memory coupled to one or more processors, a computer file and/or memory location/address to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.
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公开(公告)号：US10949919B1
公开(公告)日：2021-03-16
申请号：US15975316
申请日：2018-05-09
发明人： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
摘要： A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.
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公开(公告)号：US11995717B1
公开(公告)日：2024-05-28
申请号：US18296594
申请日：2023-04-06
发明人： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
摘要： A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.
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公开(公告)号：US11776052B1
公开(公告)日：2023-10-03
申请号：US17168642
申请日：2021-02-05
发明人： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
CPC分类号： G06Q40/03 , G06Q30/0278 , G06Q50/16 , H04L9/0637 , H04L9/50
摘要： A computer-implemented method of continuously updating information about a customer approved for a mortgage, the customer associated with a customer identification number. In one aspect, the method may include monitoring information accessed from a blockchain corresponding to the customer identification number, the information used to determine the customer is approved for a mortgage. In addition, the method may further include receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. Further, the method may include updating a block of the blockchain to include the new information and recalculating the amount in which the customer is approved for a mortgage based upon the new information received.
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公开(公告)号：US11636539B1
公开(公告)日：2023-04-25
申请号：US17168961
申请日：2021-02-05
发明人： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
摘要： A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.
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公开(公告)号：US20210272145A1
公开(公告)日：2021-09-02
申请号：US15975278
申请日：2018-05-09
发明人： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
摘要： A computer-implemented method of incentivizing an insurance agent to update a blockchain. The method includes receiving, at one or more processors, a message indicating an agent updated a blockchain with information about a customer or a real estate property. The method further includes increasing, according to an interval of time, a score of the agent for at least one item of information about one or more of the customer or the real estate property updated to the blockchain. The method still further includes calculating an agent rating based upon the score of the agent, the agent rating used to compute one or more of compensation or bonus of the agent.
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公开(公告)号：US11010831B1
公开(公告)日：2021-05-18
申请号：US15975386
申请日：2018-05-09
发明人： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
摘要： A system and computer-implemented method of identifying multiple mortgage ready properties using computer technology and/or machine learning algorithms or artificial intelligence. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing, at a memory coupled to one or more processors, a computer file and/or memory location/address to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.
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