COMPUTERIZED SYSTEMS AND METHODS FOR FACILITATING THE FLOW OF CAPITAL THROUGH THE HOUSING FINANCE INDUSTRY

Patent №

US 7,765,151

Granted

2010-07-27

Filed 2006

Owner

FANNIE MAE

Lab

—

AI components

planning

Assignment

Recorded

Dataset

AIPD

2023_r1 edition

Application

11490614

A computer implemented data processing system comprises a pricing engine and user interface program logic. The pricing engine is configured to calculate a price for an individual mortgage loan for a sale of the individual mortgage loan from a loan originator to a secondary mortgage market purchaser. The price is calculated prior to closing of the mortgage loan based on mortgage loan application data for a borrower associated with the mortgage loan. The user interface logic is configured to generate one or more screen displays configured to present the price to the loan originator prior to closing of the loan. The one or more screen displays are also configured to receive a commitment from the loan originator for the sale of the individual mortgage loan to the secondary mortgage market purchaser.

PlanningG06Q 40/02G06Q 40/00G06Q 40/03G06Q 40/04G06Q 40/10G06Q 40/12

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AI classification

Planning0.74

Knowledge representation0.04

Evolutionary computation0.04

Vision0.03

Machine learning0.02

AI hardware0.00

Natural language0.00

Speech0.00

Ownership

FANNIE MAE

assignment · 239160510

Assignors

WILLIAMS, MICHAEL J., VOTH, DAVID N., HIRSCH, KIMBERLY J., KOCH, MICHAEL W., KOPPERMAN, PETER G., PLOTNICK, RICHARD N., SCHULZ, MARTIN T., SIMON, PETER A.

On an employer assignment, the assignors are typically the inventors.

From the same owner

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Cites (59)

MORTGAGE LOAN AND FINANCIAL SERVICES DATA PROCESSING SYSTEMUS 7,315,841 · 2008 AUTOMATED LOAN EVALUATION SYSTEMUS 7,310,618 · 2007 SYSTEM AND METHOD FOR PROCESSING A SECURED COLLATERAL LOANUS 7,107,241 · 2006 MORTGAGE LOAN CUSTOMIZATION SYSTEM AND PROCESSUS 7,089,503 · 2006 METHOD AND APPARATUS FOR A MORTGAGE LOAN MANAGEMENT SYSTEMUS 6,985,886 · 2006 SYSTEM AND METHOD FOR AUTOMATED PROCESS OF DEAL STRUCTURINGUS 6,823,319 · 2004 METHOD FOR INTEGRATED SUPPLY CHAIN AND FINANCIAL MANAGEMENTUS 6,671,673 · 2003 SYSTEM FOR RANKING CARD REISSUE TRANSACTIONSUS 6,651,884 · 2003 METHOD FOR COMBINING HOUSE PRICE FORECASTSUS 6,609,109 · 2003 DATA PROCESSING SYSTEM FOR PROVIDING AN EFFICIENT MARKET FOR INSURANCE AND REINSURANCEUS 6,594,635 · 2003 METHOD AND APPARATUS FOR OBTAINING DATA FROM VENDORS IN REAL TIMEUS 6,584,467 · 2003 FINANCIAL MANAGEMENT SYSTEM INCLUDING AN OFFSET PAYMENT PROCESSUS 6,532,450 · 2003 WORKFLOW MANAGEMENT SYSTEM FOR AN AUTOMATED CREDIT APPLICATION SYSTEMUS 6,505,176 · 2003 PREDICTIVE MODELING OF CONSUMER FINANCIAL BEHAVIORUS 6,430,539 · 2002 METHOD AND APPARATUS FOR REAL TIME ON LINE CREDIT APPROVALUS 6,405,181 · 2002 SYSTEM AND METHOD FOR PROVIDING HOUSE PRICE FORECASTS BASED ON REPEAT SALES MODELUS 6,401,070 · 2002 METHOD AND COMPUTER NETWORK FOR CO-ORDINATING A LOAN OVER THE INTERNETUS 6,385,594 · 2002 SYSTEM AND METHOD FOR ELECTRONIC TRANSMISSION, STORAGE, AND RETRIEVAL OF AUTHENTICATED ELECTRONIC ORIGINAL DOCUMENTSUS 6,367,013 · 2002 ON-LINE CONSUMER CREDIT DATA REPORTING SYSTEMUS 6,311,169 · 2001 METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR TRADING INTEREST RATE SWAPSUS 6,304,858 · 2001 SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR ONLINE FINANCIAL PRODUCTS TRADINGUS 6,233,566 · 2001 METHOD AND APPARATUS FOR GENERATING SEGMENTATION SCORECARDS FOR EVALUATING CREDIT RISK OF BANK CARD APPLICANTSUS 6,202,053 · 2001 METHOD AND APPARATUS USING DIGITAL CREDENTIALS AND OTHER ELECTRONIC CERTIFICATES FOR ELECTRONIC TRANSACTIONSUS 6,125,349 · 2000 FINANCIAL RISK PREDICTION SYSTEMS AND METHODS THEREFORUS 6,119,103 · 2000 METHOD AND SYSTEM FOR COMMERCIAL CREDIT ANALYSISUS 6,112,190 · 2000

and 34 more

Cited by (14)

SYSTEMS AND METHODS FOR ENRICHING MODELING TOOLS AND INFRASTRUCTURE WITH SEMANTICSUS 11,847,574 · 2023 SYSTEMS AND METHODS FOR DECOMPOSITION OF DIFFERENTIABLE AND NON-DIFFERENTIABLE MODELSUS 11,816,541 · 2023 API FOR IMPLEMENTING SCORING FUNCTIONSUS 11,720,527 · 2023 SYSTEMS AND METHODS FOR GENERATING GRADIENT-BOOSTED MODELS WITH IMPROVED FAIRNESSUS 11,720,962 · 2023 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT

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