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1. 发明申请

US20130173311A1 Method for Determining Premiums for Representation and Warranty Insurance for Mortgage Loans 审中-公开
标题翻译：确定抵押贷款代理保费保费的方法
公开(公告)号：US20130173311A1
公开(公告)日：2013-07-04
申请号：US13674724
申请日：2012-11-12
申请人： Arthur J. Prieston
发明人： Arthur J. Prieston
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q40/025
摘要： 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 of individual insurance coverages for particular loans handled by the lender, training and consulting on improved controls for lenders, maintaining an ineligible database of entities and a database of loan information, and handling of claims. The periodic issuing of individual insurance coverages includes receiving production information from the lender and determining the premium for the production information based at least in part on the insurance agreement. In at least one embodiment, the periodic issuing of individual insurance coverages includes scrubbing production information against databases as part of determining which loans on which to calculate the premium. The insurance program also includes a methodology for lender processing of new mortgage applications.
摘要翻译：抵押贷款行业的实体的保险计划，由于借款人或代表借款人提供的财务信息的重大不准确性，为经济损失提供保障。保险计划最好包括初始保险申请和建立保险协议，定期发放贷款人处理的特定贷款的个人保险单，对贷款人进行改进管理的培训和咨询，维护实体数据库不合格和贷款数据库信息和处理索赔。定期发放个人保险包括收到贷方的生产信息，并至少部分依据保险协议确定生产信息的保费。在至少一个实施例中，定期发布个人保险范围包括对数据库进行生产信息的清洗，作为确定哪些贷款计算溢价的一部分。保险计划还包括贷款人处理新的抵押贷款申请的方法。

2. 发明授权

US07707103B2 System and method for rating lenders 失效
标题翻译：贷款人评级制度和方法
公开(公告)号：US07707103B2
公开(公告)日：2010-04-27
申请号：US11079927
申请日：2005-03-15
申请人： Arthur J Prieston
发明人： Arthur J Prieston
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q30/0185 , G06Q30/0282 , G06Q40/025 , G06Q40/06
摘要： 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 or on behalf of the borrower. The rating is preferably based on a variety of factors including at least one of, for example, prefunding controls, post closing controls, product mix, and/or loan source.
摘要翻译：本发明涉及一种系统和方法，用于对贷款人简档进行评级，以确定由特定贷款人发起或购买的贷款中存在的风险水平将由于虚假陈述或由于以下情况提供的财务信息的重大不准确或代表借款人。该评级优选地基于多种因素，包括例如，退款控制，后关闭控制，产品组合和/或贷款来源中的至少一个。

3. 发明申请

US20100235200A1 Method and System for Offering Insurance for a Mortgage Pool Using a Risk Assessment 审中-公开
标题翻译：使用风险评估提供按揭贷款保险的方法和制度
公开(公告)号：US20100235200A1
公开(公告)日：2010-09-16
申请号：US12786368
申请日：2010-05-24
申请人： Arthur J. Prieston
发明人： Arthur J. Prieston
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q40/00 , G06Q40/025 , G06Q40/08
摘要： An insurance program for entities in the mortgage industry that provides coverage for financial loss as a result of, for example, material inaccuracies in the financial information provided by or on behalf of the borrower. The method in at least one embodiment includes assessing the risks of financial loss for a mortgage pool. The method in at least one embodiment includes the scrubbing of mortgage production information for each insured lender to calculate a premium.
摘要翻译：抵押贷款行业的实体的保险计划，由于例如由借款人提供或代表借款人提供的财务信息的重大不准确性而为经济损失提供保障。至少一个实施例中的方法包括评估抵押池的经济损失的风险。在至少一个实施例中的方法包括对每个保险贷方的按揭生产信息进行擦洗以计算溢价。

4. 发明申请

US20100235199A1 Method and System for Offering Insurance for Loans 审中-公开
标题翻译：提供贷款保险的方法和制度
公开(公告)号：US20100235199A1
公开(公告)日：2010-09-16
申请号：US12785442
申请日：2010-05-22
申请人： Arthur J. Prieston
发明人： Arthur J. Prieston
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/10 , G06Q40/00 , G06Q40/025 , G06Q40/08
摘要： A method for offering insurance to entities in the mortgage industry that provides coverage for financial loss as a result of, for example, material inaccuracies in the financial information provided by or on behalf of the borrower. The method in at least one embodiment includes the initial insurance application and establishment of an insurance agreement, periodic issuing of individual insurance coverages for particular loans handled by the lender, training and consulting on improved controls for lenders, maintaining an ineligible database of entities and a database of loan information, and handling of claims.
摘要翻译：为抵押贷款行业的实体提供保险，从而为由于借款人提供或代表借款人提供的财务信息的重大不准确而为经济损失提供保险。在至少一个实施例中的方法包括初始保险申请和建立保险协议，定期发放由贷款人处理的特定贷款的个人保险，培训和咨询改进贷款人的控制，维护不合格的实体数据库和贷款信息数据库和索赔处理。

5. 发明申请

US20100211524A1 Lender Rating System and Method 失效
标题翻译：贷方评级制度和方法
公开(公告)号：US20100211524A1
公开(公告)日：2010-08-19
申请号：US12762827
申请日：2010-04-19
申请人： Arthur J. Prieston
发明人： Arthur J. Prieston
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q99/00
CPC分类号： G06Q20/10 , G06Q30/0185 , G06Q30/0282 , G06Q40/025 , G06Q40/06
摘要： 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 be based on a misrepresentation or as a result of material inaccuracies in the financial information provided by or on behalf of the borrower. The rating is preferably based on a variety of factors including at least one of, for example, prefunding controls, post closing controls, product mix, and/or loan source.
摘要翻译：本发明涉及一种系统和方法，用于评估贷款人资料以确定由特定贷款人发起或购买的贷款中存在的风险水平将基于虚假陈述或财务信息的重大不准确之处由借款人或代表借款人提供。该评级优选地基于多种因素，包括例如，退款控制，后关闭控制，产品组合和/或贷款来源中的至少一个。

6. 发明授权

US08311912B2 Method for determining premiums for representation and warranty insurance for mortgage loans 失效
标题翻译：确定抵押贷款代理保险保险的方法
公开(公告)号：US08311912B2
公开(公告)日：2012-11-13
申请号：US11072407
申请日：2005-03-07
申请人： Arthur J Prieston
发明人： Arthur J Prieston
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/025
摘要： 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 of individual insurance coverages for particular loans handled by the lender, training and consulting on improved controls for lenders, maintaining an ineligible database of entities and a database of loan information, and handling of claims. The periodic issuing of individual insurance coverages includes receiving production information from the lender and determining the premium for the production information based at least in part on the insurance agreement. In at least one embodiment, the periodic issuing of individual insurance coverages includes scrubbing production information against databases as part of determining which loans on which to calculate the premium. The insurance program also includes a methodology for lender processing of new mortgage applications.
摘要翻译：抵押贷款行业的实体的保险计划，由于借款人或代表借款人提供的财务信息的重大不准确性，为经济损失提供保障。保险计划最好包括初始保险申请和建立保险协议，定期发放贷款人处理的特定贷款的个人保险单，培训和咨询改进贷款人的管理，维护实体不合格的数据库和贷款数据库信息和处理索赔。定期发放个人保险包括收到贷方的生产信息，并至少部分依据保险协议确定生产信息的保费。在至少一个实施例中，定期发布个人保险范围包括对数据库进行生产信息的清洗，作为确定哪些贷款计算溢价的一部分。保险计划还包括贷款人处理新的抵押贷款申请的方法。

7. 发明授权

US08275700B2 Lender rating system and method 失效
标题翻译：贷方评级制度和方法
公开(公告)号：US08275700B2
公开(公告)日：2012-09-25
申请号：US12762827
申请日：2010-04-19
申请人： Arthur J. Prieston
发明人： Arthur J. Prieston
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q30/0185 , G06Q30/0282 , G06Q40/025 , G06Q40/06
摘要： 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 be based on a misrepresentation or as a result of material inaccuracies in the financial information provided by or on behalf of the borrower. The rating is preferably based on a variety of factors including at least one of, for example, prefunding controls, post closing controls, product mix, and/or loan source.
摘要翻译：本发明涉及一种系统和方法，用于评估贷款人资料以确定由特定贷款人发起或购买的贷款中存在的风险水平将基于虚假陈述或财务信息的重大不准确之处由借款人或代表借款人提供。该评级优选地基于多种因素，包括例如，退款控制，后关闭控制，产品组合和/或贷款来源中的至少一个。

8. 发明授权

US08055518B2 Method for handling claims arising under representation and warranty insurance for mortgage loans 失效
标题翻译：处理抵押贷款代理和保证保险的索赔方法
公开(公告)号：US08055518B2
公开(公告)日：2011-11-08
申请号：US11072366
申请日：2005-03-07
申请人： Arthur J Prieston
发明人： Arthur J Prieston
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/08
摘要： 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 of individual insurance coverages for particular loans handled by the lender, training and consulting on improved controls for lenders, maintaining an ineligible database of entities and a database of loan information, and handling of claims. Handling of claims includes attempting to minimize the potential loss suffered as a result of a misrepresentation of information in a loan file when coverage under the insurance policy exists.
摘要翻译：抵押贷款行业的实体的保险计划，由于借款人或代表借款人提供的财务信息的重大不准确性，为经济损失提供保障。保险计划最好包括初始保险申请和建立保险协议，定期发放贷款人处理的特定贷款的个人保险单，对贷款人进行改进管理的培训和咨询，维护实体数据库不合格和贷款数据库信息和处理索赔。处理索赔包括尽量减少由于保险单范围内存在的贷款文件中的信息失实而导致的潜在损失。

9. 发明授权

US07725386B2 Method for offering representation and warranty insurance for mortgage loans 失效
标题翻译：提供抵押贷款代理和保证保险的方法
公开(公告)号：US07725386B2
公开(公告)日：2010-05-25
申请号：US11072410
申请日：2005-03-07
申请人： Arthur J Prieston
发明人： Arthur J Prieston
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q40/00 , G06Q40/025 , G06Q40/08
摘要： 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 of individual insurance coverages for particular loans handled by the lender, training and consulting on improved controls for lenders, maintaining an ineligible database of entities and a database of loan information, and handling of claims. The insurance program preferably in exchange for an insurance premium will in the event of a financial loss which is caused by a financial inaccuracy of information provided by the borrower or by third parties on the borrower's behalf at the time of funding and not by in whole or in part a breach of certain guidelines by a lender's participation, the insurer will pay the deficiency between 1) the mortgage balance plus the cost of foreclosure, resale, and any interest charges that have accumulated and 2) the net proceeds received upon disposition of the loan. The payment preferably is capped at a coverage limit amount for the particular insurance agreement.
摘要翻译：抵押贷款行业的实体的保险计划，由于借款人或代表借款人提供的财务信息的重大不准确性，为经济损失提供保障。保险计划最好包括初始保险申请和建立保险协议，定期发放贷款人处理的特定贷款的个人保险单，培训和咨询改进贷款人的管理，维护实体不合格的数据库和贷款数据库信息和处理索赔。保险计划优先交换保险费将在财务损失的情况下发生，这是由于借款人或第三方在资金时代表借款人提供的信息的财务不准确而不是由整体或部分违反贷方参与的某些指引，保险人将支付1）抵押余额加上止赎赎回费用，转售费用和已累计的任何利息费用之间的不足，2）处置后所得收益净额贷款。支付优先以特定保险协议的保险限额为限。

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