Home asset management account

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance

Reexamination Certificate

Rate now

  [ 0.00 ] – not rated yet Voters 0   Comments 0

Details

C705S038000

Reexamination Certificate

active

07860792

ABSTRACT:
A home asset management account system is provided that includes a first mortgage account and an equity line of credit (LOC), a periodic sweep feature between the first mortgage and equity LOC, a periodic property value review feature of the first mortgage, and a statement feature that provides a customer valuable information on the subject property estimated value and the relationship between the first mortgage and the equity LOC. The first mortgage and equity LOC, results from a proprietary automated decisioning/pricing system, the periodic sweep feature, the periodic property value review feature, and a unique statement feature are bundled into a financial package available for customers.

REFERENCES:
patent: 4876648 (1989-10-01), Lloyd
patent: 5220501 (1993-06-01), Lawlor et al.
patent: 5673402 (1997-09-01), Ryan et al.
patent: 5689649 (1997-11-01), Altman et al.
patent: 5852811 (1998-12-01), Atkins
patent: 5866889 (1999-02-01), Weiss et al.
patent: 5870721 (1999-02-01), Norris
patent: 5884285 (1999-03-01), Atkins
patent: 5911136 (1999-06-01), Atkins
patent: 5946668 (1999-08-01), George
patent: 5966700 (1999-10-01), Gould et al.
patent: 5991745 (1999-11-01), Kiritz
patent: 6012044 (2000-01-01), Maggioncalda et al.
patent: 6012047 (2000-01-01), Mazonas et al.
patent: 6049782 (2000-04-01), Gottesman et al.
patent: 6076072 (2000-06-01), Libman
patent: 6108641 (2000-08-01), Kenna et al.
patent: 6131810 (2000-10-01), Weiss et al.
patent: 6167384 (2000-12-01), Graff
patent: 6192349 (2001-02-01), Husemann et al.
patent: 6202054 (2001-03-01), Lawlor et al.
patent: 6233566 (2001-05-01), Levine et al.
patent: 6253191 (2001-06-01), Hoffman
patent: 6269347 (2001-07-01), Berger
patent: 6345262 (2002-02-01), Madden
patent: 7089202 (2006-08-01), McNamar et al.
patent: 2002/0123949 (2002-09-01), VanLeeuwen
A Mean Value-At Risk Framework for Speculating and Hedging with Options; Leo Constantino Tay, Mar. 8, 2001, Economics Dept. Ateneo de Manila University.
Benefits for Homeowners From Mortgage Portfolios Retained by Fannie Mae and Freddie Mac; Roll, Richard, 2003, Journal of Financial Services 23;1 29-42, Kluwer Academic Publisher, The Netherlands.
Benefits for Homeowners From Mortgage Portfolios Retained by Fannie Mae and Freddie Mac; Roll, Richard, 2003, Allstate Professor of Finance, University of California, Los Angeles.
Corporate Hedging in the Insurance Industry: The Use of Financial Derivatives by US Insurers; Cummins et al, Sep. 19, 1996, The Wharton School, University of Pennsylvania, Philadelphia, PA.
Debit's on Top: Products and Services Growth Trends; Mary Mink; Credit Union Executive; Nov./Dec. 1994.
Financial Managers: Keeping Track of Your Personal Accounts; Donald B. Trivette; PC Magazine; Dec. 27, 1988.
Home Equity Lending—Glenn B. Canner and Charles A. Luckett; Federal Reserve Bulletin; May 1989.
Home Mortgages Can be More Than Just Debit—Michael A. Johnson; Manage; Aug./Sep. 2000.
Moral Hazard in Home Equity Conversion; Shiller et al., Jan. 4, 1998, Presented at AREUEA-ASSA Session, Chicago, IL.
Need$10,000?$50,000?$250,000?(Finding the right source for cash for a small business); Linda Stern; Home Office Computing; Sep. 1992.
Online Financial Essential Internet Services(includes related articles on websites with investment tools and advice, retirement planning, tax preparation, home buying, insurance and online trading as well as the Editor's Choice); Jan Ozer; PC Magazine; Feb. 24, 1998.
Portfolio Accounting/Management Systems; Wall Street & Technology; Annual 1994.
Recent Developments in Home Equity Lending—Glenn B. Canner, Thomas A. Durkin, Charles A. Luckett; Federal Reserve Bulletin; Apr. 1998.
Residential Mobility, Housing Tenure and the Labour Market in Britain; Boheim et al, Feb. 28, 2000, Institute for Social and Economic Research and Institute for Labour Research; University of Essex, Cochester, Essex, England.
Spatially Disaggregated Real Estate Indices; Edwin Iverson Jr., Jun. 9, 1999.
Spatio-Temporal Modeling of Residential Sales Data; Alan Gelfand Sujit; 1995.
The Effects of Changes in Ownership Structure on Performance: Evidence from the Thrift Industry; Cole et al., 1996, Federal Reserve System, Washington, DC.
The Place of Risk-Management in fmancial institutions; Oldfield et al.; 1997, The Wharton School, University of Pennsylvania, Philadelphia, PA.
Wholesale Giants; Tom Lamalfa; Mortgage Banking; May 1995.

LandOfFree

Say what you really think

Search LandOfFree.com for the USA inventors and patents. Rate them and share your experience with other people.

Rating

Home asset management account does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Home asset management account, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Home asset management account will most certainly appreciate the feedback.

Rate now

     

Profile ID: LFUS-PAI-O-4156202

  Search
All data on this website is collected from public sources. Our data reflects the most accurate information available at the time of publication.