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公开(公告)号：US12002090B2
公开(公告)日：2024-06-04
申请号：US17560938
申请日：2021-12-23
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 , G06Q2220/00 , H04L9/50
摘要： A system and computer-implemented method for approving a dynamic mortgage application using a blockchain. In one aspect, the method may include determining a customer is approved for a mortgage (“mortgage ready”) and determining a real estate property is mortgage ready. The method may include comparing a calculated amount in which the customer is approved for a mortgage loan with a calculated appraisal value of the real estate property, and approving the mortgage application of the customer when the calculated amount the customer is approved for the mortgage loan is equal to, or exceeds, the calculated appraisal value of the real estate property, reducing a processing time and closing time of the mortgage.
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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：US20240265444A1
公开(公告)日：2024-08-08
申请号：US18641541
申请日：2024-04-22
发明人： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Eric 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：US12014415B2
公开(公告)日：2024-06-18
申请号：US17383347
申请日：2021-07-22
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 , G06Q40/02 , G06Q50/16 , H04L9/0637 , H04L9/50
摘要： A system and computer-implemented method of continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready. The method includes monitoring information accessed from a memory storage location corresponding to a customer identification number, the information used to determine the customer is approved for a mortgage, and receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. The method also includes updating, at a memory coupled to the one or more processors, the memory storage location to include the new information. The method still further includes 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：US11210734B1
公开(公告)日：2021-12-28
申请号：US15975156
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 using a blockchain. In one aspect, the method may include determining a customer is approved for a mortgage (“mortgage ready”) and determining a real estate property is mortgage ready. The method may include comparing a calculated amount in which the customer is approved for a mortgage loan with a calculated appraisal value of the real estate property, and approving the mortgage application of the customer when the calculated amount the customer is approved for the mortgage loan is equal to, or exceeds, the calculated appraisal value of the real estate property, reducing a processing time and closing time of the mortgage.
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公开(公告)号：US20210350456A1
公开(公告)日：2021-11-11
申请号：US17383350
申请日：2021-07-22
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 continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready. The method includes monitoring information accessed from a memory storage location corresponding to a customer identification number, the information used to determine the customer is approved for a mortgage, and receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. The method also includes updating, at a memory coupled to the one or more processors, the memory storage location to include the new information. The method still further includes 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：US11094007B1
公开(公告)日：2021-08-17
申请号：US15975474
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 continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready. The method includes monitoring information accessed from a memory storage location corresponding to a customer identification number, the information used to determine the customer is approved for a mortgage, and receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. The method also includes updating, at a memory coupled to the one or more processors, the memory storage location to include the new information. The method still further includes 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：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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