US20150134505A1 - Methods And Computer Network For Co-Ordinating A Loan Over The Internet - Google Patents
Methods And Computer Network For Co-Ordinating A Loan Over The Internet Download PDFInfo
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- US20150134505A1 US20150134505A1 US14/537,581 US201414537581A US2015134505A1 US 20150134505 A1 US20150134505 A1 US 20150134505A1 US 201414537581 A US201414537581 A US 201414537581A US 2015134505 A1 US2015134505 A1 US 2015134505A1
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- G06Q40/025—
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F40/00—Handling natural language data
- G06F40/10—Text processing
- G06F40/166—Editing, e.g. inserting or deleting
- G06F40/174—Form filling; Merging
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Definitions
- the invention relates to a process for coordinating loans on a loan processing computer over the Internet.
- the Internet a vast collection of computers world wide, is a relatively new medium for both personal and commercial entities to transact business. To conduct business over the Internet, ‘companies must find ways to communicate with potential customers. The two most common forms of communication across the Internet are web pages, and e-mail.
- This invention combines the vast resources and speed of the Internet with additional knowledge of various lending institution's selection criteria to create a simple mechanism whereby an Internet user can apply for credit from a multitude of lending institutions.
- a method and apparatus for coordinating an electronic credit application between an Internet user and a plurality of lending institutions via the Internet comprises the steps of displaying a plurality of documents to an Internet user, receiving a plurality of credit data sent from the Internet user; matching an electronic credit application to a filter comprising a plurality of selection criteria; transmitting the credit data to a plurality of lending institutions via one of four methods; and responding to the Internet user via the Internet.
- the documents sent to the Internet user includes a series of questions pertaining to their desired loan, followed by the appropriate type of loan application.
- the various types of loan applications include first and second mortgages, car loans, student loans, personal loans, and credit card applications. Other types of credit applications may exist without departing from the spirit of the invention.
- the invention matches a unique filter to the credit data entered by the Internet user.
- the filter is made up of a plurality of selection criteria in which a specific lending institution has given to the inventor.
- the filter is customizable by the specific lending institution in real time and unique to each lending institution.
- the information can be sent in many different ways.
- the information can be sent in an Active File Transfer system (AFTS), via e-mail, through a secured webpage or through a Common Gateway Interface (CGI).
- AFTS Active File Transfer system
- CGI Common Gateway Interface
- AFTS Active File Transfer system
- CGI Common Gateway Interface
- FIG. 1 shows an overview of the method of the invention
- FIG. 2 shows a schematic depiction of network designed to achieve the method of the invention
- FIG. 3 a shows the steps involving the second stage of the lending process
- FIG. 3 b shows the steps involving the third stage of the lending process
- FIG. 4 shows the steps of the fourth stage of the lending process
- FIG. 5 shows the steps of the fifth stage of the lending process
- FIG. 6 shows a schematic of the filter process, matching an individual lender to an individual borrower
- FIG. 7 shows the lending process where an individual lender selects from a plurality of borrowers
- FIG. 8 shows the steps of the sixth stage of the lending process
- FIG. 9 a shows a schematic of the seventh stage of the lending process
- FIG. 9 b shows the various transfer methods in the eighth stage of the lending process.
- FIG. 10 shows the steps of the Active File Transfer System in the eighth stage in the of the lending process
- FIG. 11 shows the steps of the Active File Transfer System in the ninth stage of the lending process.
- FIG. 12 shows the tenth stage of the lending process.
- FIG. 1 illustrates the ten general stages in the process required to coordinate an electronic credit application between a prospective borrower and a plurality of lending institutions.
- stage 1 the process presents background information and a credit application to a prospective borrower Internet user on a web site.
- stage 2 the prospective borrower inputs information onto the web site.
- stage 3 validation checks are performed on this information to make sure that the application is complete and correct.
- stage 4 involves storing and manipulating the credit application in a database.
- a Fair Isaac Credit Score is obtained based upon the credit application and that score is matched to the application and stored in the database.
- stage 6 the application is filtered where it is compared to a list of criteria presented by a series of lending institutions. If the application passes this list of criteria then in stage 7 the application is sent to each one of those institutions whose criteria match with the application. In stage 8 the lender processes the application and can either accept or deny it. If the lender accepts the application then in stage 9 , the borrower can reply stating whether he accepts or denies the lender's application. Finally, in stage 10 , information about this transaction is sent to a database to allow lending institutions to have access to their lending history.
- loan processing computer 100 controls the process and is housed on loan processing computer 100 .
- Loan processing computer 100 coordinates a loan application between a series of lending institution computers 200 , and a plurality of borrower computers 300 .
- Computer program 10 is stored on loan processing computer 100 in storage device 110 and is run by processor 112 .
- Program 10 is designed to transmit and receive information through the Internet via a web browser such as Netscape or Internet Explorer, installed on the computers.
- loan processing computer 100 must have sufficient memory and processor power, to project program 10 over the Internet. Therefore, the recommended minimum requirements for processor 12 on computer 100 is an Intel Pentium 200 Mhz processor. The remaining standard components are 64 megabytes of ram, 2 gigabytes of disk space, an Internet connection, additional Ethernet connection, and Windows NT workstation operating system.
- Computer 100 is installed with one Ethernet interface directly on the Internet, and the other Ethernet interface connected to a firewall storage device 110 , to allow disposition of files on a designated server inside the corporate network.
- computer 100 could be a Unix style server that interfaces with other Unix and non-Unix based computers on the Internet.
- program 10 When program 10 runs on computer 100 it instructs computer 100 to interact with other computers through the Internet to co-ordinate a loan application.
- computer 100 allows lender computers 200 to access information on web-page 114 housed in loan processing computer 100 at a predetermined URL address via telecommunication lines 400 .
- computer 100 allows prospective borrowers using satellite computers 300 to view a plurality of documents provided by computer 100 .
- Stage 2 consists of a series of steps that are shown in FIG. 3 a .
- computer 100 sends the prospective borrower background information documents to web-site 114 concerning the loan application.
- step 14 computer 100 sends an open application to a prospective borrower through the Internet to computer 300 .
- step 15 the prospective borrower inputs information onto the application. When the prospective borrower wants to send this information back to computer 100 he clicks a “SEND” button which initiates the third stage of the program.
- FIG. 3 b outlines stage 3 wherein computer 100 sends a series of instructions to computer 300 to initiate edit and validation checks.
- computer 100 checks the Social Security number entered.
- computer 100 checks the addresses, in step 18 it checks phone numbers, and in step 19 it checks the email addresses entered.
- the edit and validation checks in stage 3 insure that the data to be received by the database 140 in computer 100 is in the proper format for further processing. If computer 100 determines that the data is in the proper format, then the borrower can then transmit a completed application 115 to a database on computer 100 .
- FIG. 4 shows stage 4 , wherein in step 20 the data from the completed application 115 is encrypted by SSL technology.
- step 21 at the borrowers instruction, this information is sent to computer 100 , unlocked and stored in storage device 110 for further manipulation.
- the data from completed application 115 is sorted and stored in tables 150 in database 140 based on the type of loan requested(i.e. mortgage, home equity, credit card, etc.).
- step 22 program 10 queries the data from tables 150 to produce reports providing loan information based on data given any field in the application form (i.e., state of residence, borrower income, etc.).
- computer 100 moves into stage 5 , wherein in step 23 , computer 100 dials to a credit bureau housed on Credit Computer 500 via telecommunication lines 400 .
- computer 100 obtains a Fair Isaac Credit Score from computer 500 based upon the data sent to computer 500 .
- step 26 computer 100 inputs the Fair Isaac Credit Score to the database tables 150 .
- the lenders can use this Fair Isaac Credit Score as one determinant to the borrower's credit risk.
- FIGS. 6 , 7 , and 8 show stage 6 of the process, wherein computer 100 runs a filter to match completed application 115 in table 150 against preset criteria established by each lender.
- lender criteria are stored in tables 175 in lender database 170 on computer 100 .
- lender database 170 includes a listing of tables 175 for several lending institutions.
- the process for matching borrower's application in tables 150 to lender criteria in tables 175 is shown in FIG. 8 .
- program 10 starts the filter process.
- step 36 the filter process initiates and moves to the appropriate type application 115 in tables 150 .
- step 37 the filter moves to a first lending institution in table 175 .
- step 38 program 10 instructs computer 100 to read all of the lending institution's criteria for extending credit.
- step 39 program 10 reads whether there are any criteria present in tables 175 . If the requested data is not present, next, in step 45 the filter checks to see if there is any database connection that is broken and whether the database information in the message. If the criteria are present, step 40 instructs computer 100 to see whether any remaining criteria to match to application 115 stored on tables 150 .
- step 47 program 10 checks to see whether that remaining criteria matches with application 115 . If the criteria matches with application 115 then in step 58 , program 10 advances to the next available criteria in tables 175 . As shown in FIG. 6 , step 58 creates a loop back to step 40 . If the criteria does not match with application 115 , then in step 48 , program 10 checks to see whether there is another lending institution in database 170 . If there are no remaining lending institutions in database 170 then in step 59 , computer 100 generates a message that no acceptable match has been found. After this message, in step 51 , the filter process ends.
- Step 49 creates a loop back to step 38 wherein the filter process reads all of the criteria for the new lending institution. This loop continues until in step 40 , the filter finds there are no criteria available to match to completed application 115 .
- step 50 the filter determines whether there has been an acceptable match between a borrower and a lender. If there is an acceptable match, then in step 55 the filter selects that lender as a suitable lender for application 115 .
- step 56 program 10 checks to see if there is another lending institution available, if yes, then program 10 advances to the next lending institution in step 49 . If there are no more lending institutions available, then program 10 advances to step 57 wherein the filter process ends. Finally in step 59 a computer 100 selects a limited number of matched lending institutions in which to send application 115 . For example, if the filter process matches application 115 with 20 lending institutions, computer 100 may send application 115 to only a fraction of those matched lending institutions. This selection process in step 58 is based upon either random selection or a predetermined set of criteria stored in computer 100 .
- program 10 determines the interface method between computer 100 and the selected lending institution computers 200 .
- the interface method can be Common Gateway Interface (CGI), Active File Transfer (AFTS), as a secured file on a secured webpage (S.W.) or via e-mail.
- CGI Common Gateway Interface
- AFTS Active File Transfer
- Stage 7 allows loan computer 1 . 00 to access many different lender sites which thereby allows for greater communication flexibility within the system.
- FIG. 10 shows the Active File Transfer System (AFTS) of FIG. 9 b in greater detail.
- program 10 instructs computer 100 to start the AFTS.
- AFTS Active File Transfer System
- step 60 program 10 instructs computer 100 to start the AFTS.
- step 61 a text referral notice is sent to The Institution Internet Host (IIH) computer 220 .
- IIH computer 220 requests a full message from computer 100 .
- step 63 computer 100 sends an encrypted full message to IIH computer 220 .
- computer 200 moves the message to the Institution's Corporate Network (ICH) 600 .
- ICH Institution's Corporate Network
- ICH 600 converts the message from HTML format to a customized fixed record format defined and controlled by the destination institution.
- this information can be processed and stored in the lender's system.
- the lender approves or denies application 115 . If the lending institution approves application 115 it attaches an approval to the record file in step 73 . Alternatively if the lending institution denies application 115 , then in step 72 it attaches a denial to the record file.
- the lender computers 700 generate a text decision message file. This message file is converted from the existing format into HTML format and sent to computer 100 web-site via encrypted transmission in step 75 .
- the text decision message file contains a loan id number and a request for more information from the borrower.
- Computer 100 next stores the decision file in database 180 in step 80 .
- step 81 computer 100 notifies an applicant that a decision has been made.
- the data from credit application 115 can also be sent via e-mail with Pretty Good Privacy (PGP) encryption as shown in FIG. 9 b .
- PGP Pretty Good Privacy
- PGP is an encryption program that can be used to encrypt, a binary file to someone, with very high security, without having to exchange a set of private encryption keys beforehand.
- the text of table 150 comprising credit application 115 is transformed into an e-mail text message.
- the e-mail message is encrypted in PGP format.
- computer 100 sends the e-mail message to computer 230 which is a remote networked computer on a lending institution's site.
- the third transfer process that of the secured dynamic website serves as a place for lenders to log in to a website to change their lending criteria filters and to view loan applications.
- information is stored on computer 100 in a website that can be accessed by a lender.
- a lender is given a login access account to log into the website that is encrypted by SSL technology. Once the lender logs into the website he can download information relating to a borrower's request for information.
- CGI Common Gateway Interface
- computer 100 sends data from table 150 to institution server 250 via a Common Gateway Interface (CGI) program.
- CGI programs allow for a server to server interface over which encrypted information can be transferred.
- the data located on table 150 is first encrypted.
- the data can be sent from computer 100 to institution server 250 .
- Server 250 next stores and unlocks the encrypted data. This unlocked data can then be read by all other networked computers 230 in a lender's home network.
- step 9 computer program 10 moves into the second phase of (AFTS) in step 82 .
- the borrower informs the lender of his decision concerning the loan.
- a borrower sends his decision notification from computer 300 to computer 100 .
- step 84 computer 100 generates and sends a notification to computer 220 (IIH).
- step 85 computer 100 sends a full acceptance message to IIH computer 220 and next moves the acceptance message to ICH computer 600 in step 90 .
- step ICH computer 600 converts the acceptance message from HTML format and moves it to a final directory 190 on computer 230 (step 91 ).
- step 93 institution computer 230 processes the acceptance message.
- step 94 institution computer 230 attaches a receipt file to the acceptance message.
- step 95 institution computer 230 generates a notification of receipt message, and in step 96 , it converts the notification from its standard database format into HTML format.
- step 97 ICH computer 600 sends a notification of the receipt message to computer 100 and in step 98 the Active File Transfer System ends.
- step 142 the lender contacts the borrower to coordinate the closing of the loan.
- the lending institution has the borrower's name, social security number, application id number, phone number at both work and home, and the best time to contact the borrower from the acceptance email sent when the offer was accepted.
- the loan closing can take place in any way that the lender typically closes loans. Once all documents are signed and delivered from the borrower, the loan is closed. Once the lender closes a loan, in step 144 it contacts computer 100 and sends a notification of the loan closure. In step 146 computer 100 stores this information in result database 195 which can be accessed by the lenders in step 148 . Finally in step 152 , the process according to the invention ends for that individual transaction.
Abstract
Description
- This application claims priority to and is a continuation of U.S. Utility application Ser. No. 12/236,705, filed Sep. 24, 2008, which in turn claims priority to and is a continuation of U.S. Utility application Ser. No. 11/725,567, filed Mar. 19 2007, which in turn claims priority to and is a continuation of U.S. Non-Provisional application Ser. No. 10/985,336, filed Nov. 10, 2004, which in turn claims priority to and is a continuation of U.S. Non-Provisional application Ser. No. 10/409,647, filed Apr. 8, 2003, which in turn claims priority to and is a continuation of U.S. Non-Provisional application Ser. No. 10/080,891, filed Feb. 22, 2002, which in turn claims priority to and is a continuation of U.S. Non-Provisional application Ser. No. 09/075,136, filed May 8, 1998 and all of which are herein incorporated by reference.
- 1. The Field of the Invention
- The invention relates to a process for coordinating loans on a loan processing computer over the Internet. The Internet, a vast collection of computers world wide, is a relatively new medium for both personal and commercial entities to transact business. To conduct business over the Internet, ‘companies must find ways to communicate with potential customers. The two most common forms of communication across the Internet are web pages, and e-mail.
- 2. The Prior Art
- Various methods are known for presenting web pages over the Internet. For example, information about the Internet and web browsers can be found in U.S. Pat. No. 5,701,451 to Rogers et al., which is incorporated herein by reference. Rogers et al., details how requests of a web browser are processed. The Rogers invention speeds up the process for receiving requests from web browser users and retrieving the required information. U.S. Pat. No. 5,535,407 to Yanagawa et al., details a customer data processing system which is used to assist credit card purchases made in stores. The Yanagawa invention simplifies the way in which credit card purchases are verified at the time of checkout. U.S. Pat. No. 4,346,442 to Musmanno details a securities brokerage-cash management system. The Musmanno invention maintains customer brokerage accounts, charge cards and checking accounts and calculates available credit for purchases of securities.
- Until now, there has been no way to apply for credit from a multitude of lending institutions without physically going to or calling each lender and filling out an application. This process was tedious and time consuming. All applications required substantially the same information: name, address, occupation, debt, amount of loan, etc.. This invention combines the vast resources and speed of the Internet with additional knowledge of various lending institution's selection criteria to create a simple mechanism whereby an Internet user can apply for credit from a multitude of lending institutions.
- To overcome these limitations, it is therefore an object of the present invention to provide a fast, convenient process to apply for credit from a large number of lending institutions. In accordance with our invention, needless repetitive applications are eliminated.
- It is a further object of the present invention to provide a universal credit application over the Internet and to allow the Internet user to submit a single credit application to a plurality of lending institutions who then make offers to the customer via the Internet.
- To achieve these and other objects of the invention, there is provided a method and apparatus for coordinating an electronic credit application between an Internet user and a plurality of lending institutions via the Internet. The method comprises the steps of displaying a plurality of documents to an Internet user, receiving a plurality of credit data sent from the Internet user; matching an electronic credit application to a filter comprising a plurality of selection criteria; transmitting the credit data to a plurality of lending institutions via one of four methods; and responding to the Internet user via the Internet. The documents sent to the Internet user includes a series of questions pertaining to their desired loan, followed by the appropriate type of loan application. The various types of loan applications include first and second mortgages, car loans, student loans, personal loans, and credit card applications. Other types of credit applications may exist without departing from the spirit of the invention. Upon completion of the application, the invention matches a unique filter to the credit data entered by the Internet user.
- The filter is made up of a plurality of selection criteria in which a specific lending institution has given to the inventor. The filter is customizable by the specific lending institution in real time and unique to each lending institution. Once the application has been filtered, it is sent to a list of lending institutions that match with the credit application. These lending institutions then reply as to whether the application has been accepted or rejected.
- The information can be sent in many different ways. For example, the information can be sent in an Active File Transfer system (AFTS), via e-mail, through a secured webpage or through a Common Gateway Interface (CGI). In addition, since much of the information relayed between the network of computers is private information, it is encrypted before it is sent from one computer to another.
- Other objects and features of the present invention will become apparent from the following detailed description considered in connection with the accompanying drawings which disclose several embodiments of the present invention. It should be understood, however, that the drawings are designed for the purpose of illustration only and not as a definition of the limits of the invention.
- In the drawings, wherein similar reference characters denote similar elements throughout the several views:
-
FIG. 1 shows an overview of the method of the invention; -
FIG. 2 shows a schematic depiction of network designed to achieve the method of the invention; -
FIG. 3 a shows the steps involving the second stage of the lending process; -
FIG. 3 b shows the steps involving the third stage of the lending process; -
FIG. 4 shows the steps of the fourth stage of the lending process; -
FIG. 5 shows the steps of the fifth stage of the lending process; -
FIG. 6 shows a schematic of the filter process, matching an individual lender to an individual borrower; -
FIG. 7 shows the lending process where an individual lender selects from a plurality of borrowers; -
FIG. 8 shows the steps of the sixth stage of the lending process; -
FIG. 9 a shows a schematic of the seventh stage of the lending process; -
FIG. 9 b shows the various transfer methods in the eighth stage of the lending process; and -
FIG. 10 shows the steps of the Active File Transfer System in the eighth stage in the of the lending process; -
FIG. 11 shows the steps of the Active File Transfer System in the ninth stage of the lending process; and -
FIG. 12 shows the tenth stage of the lending process. - Essentially, the invention is a process and a computer for coordinating loans between lending institutions and borrowers via the Internet.
FIG. 1 illustrates the ten general stages in the process required to coordinate an electronic credit application between a prospective borrower and a plurality of lending institutions. For example, instage 1 the process presents background information and a credit application to a prospective borrower Internet user on a web site. Instage 2, the prospective borrower inputs information onto the web site. Instage 3, validation checks are performed on this information to make sure that the application is complete and correct. Next,stage 4 involves storing and manipulating the credit application in a database. In stage 5, a Fair Isaac Credit Score is obtained based upon the credit application and that score is matched to the application and stored in the database. Next, instage 6, the application is filtered where it is compared to a list of criteria presented by a series of lending institutions. If the application passes this list of criteria then in stage 7 the application is sent to each one of those institutions whose criteria match with the application. In stage 8 the lender processes the application and can either accept or deny it. If the lender accepts the application then instage 9, the borrower can reply stating whether he accepts or denies the lender's application. Finally, instage 10, information about this transaction is sent to a database to allow lending institutions to have access to their lending history. - For this process to occur, there must be a series of computers connected to each other via telecommunication lines as shown in
FIG. 2 . Here,computer program 10, controls the process and is housed onloan processing computer 100.Loan processing computer 100 coordinates a loan application between a series oflending institution computers 200, and a plurality ofborrower computers 300.Computer program 10 is stored onloan processing computer 100 instorage device 110 and is run byprocessor 112.Program 10 is designed to transmit and receive information through the Internet via a web browser such as Netscape or Internet Explorer, installed on the computers. -
Loan processing computer 100 must have sufficient memory and processor power, toproject program 10 over the Internet. Therefore, the recommended minimum requirements forprocessor 12 oncomputer 100 is anIntel Pentium 200 Mhz processor. The remaining standard components are 64 megabytes of ram, 2 gigabytes of disk space, an Internet connection, additional Ethernet connection, and Windows NT workstation operating system.Computer 100 is installed with one Ethernet interface directly on the Internet, and the other Ethernet interface connected to afirewall storage device 110, to allow disposition of files on a designated server inside the corporate network. Inaddition computer 100 could be a Unix style server that interfaces with other Unix and non-Unix based computers on the Internet. - When
program 10 runs oncomputer 100 it instructscomputer 100 to interact with other computers through the Internet to co-ordinate a loan application. For example, as shown inFIGS. 1 and 2 , instage 1,computer 100 allowslender computers 200 to access information on web-page 114 housed inloan processing computer 100 at a predetermined URL address via telecommunication lines 400. Instage 2,computer 100 allows prospective borrowers usingsatellite computers 300 to view a plurality of documents provided bycomputer 100.Stage 2 consists of a series of steps that are shown inFIG. 3 a. For example, instep 12,computer 100 sends the prospective borrower background information documents to web-site 114 concerning the loan application. These background information documents include a document welcoming the Internet user to the web site, document explaining the application process, and a document explaining the services provided. Instep 14,computer 100 sends an open application to a prospective borrower through the Internet tocomputer 300. Instep 15, the prospective borrower inputs information onto the application. When the prospective borrower wants to send this information back tocomputer 100 he clicks a “SEND” button which initiates the third stage of the program. -
FIG. 3 b outlinesstage 3 whereincomputer 100 sends a series of instructions tocomputer 300 to initiate edit and validation checks. Instep 16,computer 100 checks the Social Security number entered. Instep 17computer 100 checks the addresses, instep 18 it checks phone numbers, and instep 19 it checks the email addresses entered. The edit and validation checks instage 3 insure that the data to be received by thedatabase 140 incomputer 100 is in the proper format for further processing. Ifcomputer 100 determines that the data is in the proper format, then the borrower can then transmit a completedapplication 115 to a database oncomputer 100. -
FIG. 4 showsstage 4, wherein instep 20 the data from the completedapplication 115 is encrypted by SSL technology. Next instep 21, at the borrowers instruction, this information is sent tocomputer 100, unlocked and stored instorage device 110 for further manipulation. In this stage, the data from completedapplication 115 is sorted and stored in tables 150 indatabase 140 based on the type of loan requested(i.e. mortgage, home equity, credit card, etc.). Next, in step 22,program 10 queries the data from tables 150 to produce reports providing loan information based on data given any field in the application form (i.e., state of residence, borrower income, etc.). - In
FIG. 5 ,computer 100 moves into stage 5, wherein instep 23,computer 100 dials to a credit bureau housed onCredit Computer 500 via telecommunication lines 400. Instep 25,computer 100 obtains a Fair Isaac Credit Score fromcomputer 500 based upon the data sent tocomputer 500. Next, instep 26,computer 100 inputs the Fair Isaac Credit Score to the database tables 150. The lenders can use this Fair Isaac Credit Score as one determinant to the borrower's credit risk. -
FIGS. 6 , 7, and 8show stage 6 of the process, whereincomputer 100 runs a filter to match completedapplication 115 in table 150 against preset criteria established by each lender. As shown inFIG. 6 , lender criteria are stored in tables 175 inlender database 170 oncomputer 100. Wherein inFIG. 7 lender database 170 includes a listing of tables 175 for several lending institutions. The process for matching borrower's application in tables 150 to lender criteria in tables 175 is shown inFIG. 8 . For example, instep 35,program 10 starts the filter process. Next, instep 36, the filter process initiates and moves to theappropriate type application 115 in tables 150. Next, instep 37 the filter moves to a first lending institution in table 175. Instep 38,program 10 instructscomputer 100 to read all of the lending institution's criteria for extending credit. Instep 39,program 10 reads whether there are any criteria present in tables 175. If the requested data is not present, next, instep 45 the filter checks to see if there is any database connection that is broken and whether the database information in the message. If the criteria are present,step 40 instructscomputer 100 to see whether any remaining criteria to match toapplication 115 stored on tables 150. - If there are more criteria to match to
application 115, then instep 47,program 10 checks to see whether that remaining criteria matches withapplication 115. If the criteria matches withapplication 115 then instep 58,program 10 advances to the next available criteria in tables 175. As shown inFIG. 6 ,step 58 creates a loop back to step 40. If the criteria does not match withapplication 115, then instep 48,program 10 checks to see whether there is another lending institution indatabase 170. If there are no remaining lending institutions indatabase 170 then instep 59,computer 100 generates a message that no acceptable match has been found. After this message, instep 51, the filter process ends. - If there is another lending institution found, then the filter process advances to another lending institution in
step 49.Step 49 creates a loop back to step 38 wherein the filter process reads all of the criteria for the new lending institution. This loop continues until instep 40, the filter finds there are no criteria available to match to completedapplication 115. - If there are no more criteria to match to
application 115, then instep 50, the filter determines whether there has been an acceptable match between a borrower and a lender. If there is an acceptable match, then instep 55 the filter selects that lender as a suitable lender forapplication 115. - In
step 56program 10 checks to see if there is another lending institution available, if yes, then program 10 advances to the next lending institution instep 49. If there are no more lending institutions available, then program 10 advances to step 57 wherein the filter process ends. Finally instep 59 acomputer 100 selects a limited number of matched lending institutions in which to sendapplication 115. For example, if the filter process matchesapplication 115 with 20 lending institutions,computer 100 may sendapplication 115 to only a fraction of those matched lending institutions. This selection process instep 58 is based upon either random selection or a predetermined set of criteria stored incomputer 100. - Next, as shown in
FIG. 9 a in stage 7,program 10 determines the interface method betweencomputer 100 and the selectedlending institution computers 200. The interface method can be Common Gateway Interface (CGI), Active File Transfer (AFTS), as a secured file on a secured webpage (S.W.) or via e-mail. Stage 7 allows loan computer 1.00 to access many different lender sites which thereby allows for greater communication flexibility within the system. - In stage 8, as shown in
FIGS. 9 a, 9 b and 10,computer 100 sends data from table 150 via the interface method selected in stage 7 to the lending institutions selected in the filter process ofstage 6.FIG. 10 shows the Active File Transfer System (AFTS) ofFIG. 9 b in greater detail. For example, instep 60,program 10 instructscomputer 100 to start the AFTS. Next, in step 61 a text referral notice is sent to The Institution Internet Host (IIH) computer 220. Instep 62, IIH computer 220 requests a full message fromcomputer 100. Instep 63computer 100 sends an encrypted full message to IIH computer 220. Next, instep 64computer 200 moves the message to the Institution's Corporate Network (ICH) 600. Instep 65,ICH 600 converts the message from HTML format to a customized fixed record format defined and controlled by the destination institution. Next, in step 70, outsideprogram 10, this information can be processed and stored in the lender's system. In step 71 the lender approves or deniesapplication 115. If the lending institution approvesapplication 115 it attaches an approval to the record file instep 73. Alternatively if the lending institution deniesapplication 115, then instep 72 it attaches a denial to the record file. Instep 74, the lender computers 700 generate a text decision message file. This message file is converted from the existing format into HTML format and sent tocomputer 100 web-site via encrypted transmission instep 75. The text decision message file contains a loan id number and a request for more information from the borrower.Computer 100 next stores the decision file in database 180 instep 80. Next, instep 81,computer 100 notifies an applicant that a decision has been made. - In addition, the data from
credit application 115 can also be sent via e-mail with Pretty Good Privacy (PGP) encryption as shown inFIG. 9 b. PGP is an encryption program that can be used to encrypt, a binary file to someone, with very high security, without having to exchange a set of private encryption keys beforehand. In this style transfer system, the text of table 150 comprisingcredit application 115, is transformed into an e-mail text message. Next, the e-mail message is encrypted in PGP format. Finally,computer 100 sends the e-mail message tocomputer 230 which is a remote networked computer on a lending institution's site. - The third transfer process that of the secured dynamic website serves as a place for lenders to log in to a website to change their lending criteria filters and to view loan applications. In this process, information is stored on
computer 100 in a website that can be accessed by a lender. To access this site, a lender is given a login access account to log into the website that is encrypted by SSL technology. Once the lender logs into the website he can download information relating to a borrower's request for information. - In the fourth transfer method, the Common Gateway Interface (CGI) format is shown in
FIG. 9 b. There,computer 100 sends data from table 150 to institution server 250 via a Common Gateway Interface (CGI) program. CGI programs allow for a server to server interface over which encrypted information can be transferred. For example, the data located on table 150 is first encrypted. Next the data can be sent fromcomputer 100 to institution server 250. Server 250 next stores and unlocks the encrypted data. This unlocked data can then be read by all othernetworked computers 230 in a lender's home network. - In
stage 9, as shown inFIG. 11 ,computer program 10 moves into the second phase of (AFTS) instep 82. In this stage, the borrower informs the lender of his decision concerning the loan. For example, in step 83 a borrower sends his decision notification fromcomputer 300 tocomputer 100. Next, instep 84,computer 100 generates and sends a notification to computer 220 (IIH). In step, 85computer 100 sends a full acceptance message to IIH computer 220 and next moves the acceptance message toICH computer 600 instep 90. After that, instep 91ICH computer 600 converts the acceptance message from HTML format and moves it to a final directory 190 on computer 230 (step 91). - At this point the lending institution program takes over so that in
step 93,institution computer 230 processes the acceptance message. Instep 94,institution computer 230 attaches a receipt file to the acceptance message. Instep 95,institution computer 230 generates a notification of receipt message, and instep 96, it converts the notification from its standard database format into HTML format. Finally, instep 97ICH computer 600 sends a notification of the receipt message tocomputer 100 and instep 98 the Active File Transfer System ends. - In the tenth and final stage, as shown in
FIG. 12 , instep 142 the lender contacts the borrower to coordinate the closing of the loan. Here, the lending institution has the borrower's name, social security number, application id number, phone number at both work and home, and the best time to contact the borrower from the acceptance email sent when the offer was accepted. The loan closing can take place in any way that the lender typically closes loans. Once all documents are signed and delivered from the borrower, the loan is closed. Once the lender closes a loan, instep 144 itcontacts computer 100 and sends a notification of the loan closure. Instep 146computer 100 stores this information inresult database 195 which can be accessed by the lenders instep 148. Finally instep 152, the process according to the invention ends for that individual transaction. - While several embodiments of the present invention have been shown and described, it is to be understood that many changes and modifications may be made thereunto without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (20)
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US6611816B2 (en) | 2003-08-26 |
AU3892599A (en) | 1999-11-29 |
EP1076868A1 (en) | 2001-02-21 |
EP1076868A4 (en) | 2004-03-24 |
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