WO1999013425A1 - Interactive mortgage and loan information and real-time trading system - Google Patents
Interactive mortgage and loan information and real-time trading system Download PDFInfo
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- WO1999013425A1 WO1999013425A1 PCT/US1998/018934 US9818934W WO9913425A1 WO 1999013425 A1 WO1999013425 A1 WO 1999013425A1 US 9818934 W US9818934 W US 9818934W WO 9913425 A1 WO9913425 A1 WO 9913425A1
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- loan
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- broker
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Classifications
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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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- 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
- G06Q40/03—Credit; Loans; Processing thereof
Definitions
- the invention relates to an interactive mortgage and loan information and 6 real-time trading system.
- the major parties include the borrower (and/or an agent such as a mortgage broker) and the lender; other parties can include appraisal agents, regulatory agencies, mortgage insurance companies, and secondary mortgage market participants.
- a lender attempting to set lending rates might be required e to examine the present interest rate market, determine the mix of qualified borrowers 7 ⁇ likely to apply, determine a set of lending programs and lending rates best suited to the s market and the risk the lender is willing to bear, and periodically post rate sheets or 9 similar advertising material to multiple mortgage brokers informing them of those lending ⁇ o programs and lending rates.
- the lender Upon receiving a loan application, the lender might also be ii required to independently evaluate the creditworthiness of the borrower and the value i2 of the underlying property.
- each party to the loan can search and ⁇ o modify that database consistent with their role in the transaction, by requests to the ii server from a client device identified with their role.
- the invention provides a method and system for trading loans in real time is by making loan applications, such as home mortgage loan applications, and placing them
- a transaction server maintains a database is of pending loan applications and their statuses; each party to the loan can search and i9 modify that database consistent with their role in the transaction, by requests to the
- brokers at a broker station can add loan
- Lenders at a 1 lender station can search the database for particular desired types of loans, can sort
- the transaction server marks prospective loans in its database by a variety a of identifiers which might be of interest to lenders, including a loan amount, property
- the transaction server computes information about prospective ii loans which might be of interest to lenders, such as loan-to-value ratios, qualifying credit i2 scores, and income classification for potential CRA qualification of the loan.
- the i3 transaction server provides exogenous information which might be of interest to lenders i4 and brokers for pricing loans, such as public bond market and other interest rate market is news, as well as computed information regarding the pool of loans, such as current and i6 past low, average, and high rates for a variety of loans traded using the system.
- the transaction server provides for detecting i9 substantially identical loan applications originated by the same broker, so as to prevent
- the transaction server is also supported by administration client/server devices
- FIG. 3 Figure 1 shows a block diagram of an interactive -mortgage: ancLloan
- Figure 2 shows a process flow diagram of operation of an interactive
- a preferred embodiment of the invention is i2 described with regard to preferred process steps and data strucmres.
- Those skilled in the i3 art would recognize after perusal of this application that embodiments of the invention i4 can be implemented using general purpose switching processors or special purpose is switching processors or other circuits adapted to particular process steps and data i6 structures described herein, and that implementation of the process steps and data i7 structures described herein would not require undue experimentation or further is invention.
- Figure 1 shows a block diagram of an interactive mortgage and loan
- 2 includes a transaction server 110, a set of broker stations 120, a set of lender stations 130,
- an administration client 150 an administration client 150, a set of system monitor stations 160, a web server lVO ⁇ and a
- the transaction server 110 comprises a device or set of devices coupled to
- the network 140 such as a general purpose processor operating under control of ⁇ o operating system and application software, and disposed to respond to messages from ii the broker stations 120, the lender stations 130, and the system monitor stations 160, as i2 described herein.
- the transaction server 110 can comprise a i3 Unix server such as a Sun UltraSparc processor operating under control of the Solaris i4 operating system.
- the transaction server 110 includes a trading system database 111 , a i7 geographic database 112, and a set of external interfaces 113.
- the transaction server 110 is enters loan profiles into the trading system database 111 in response to requests from the i9 broker stations 120, searches the trading system database 111 in response to requests
- the trading system database 111 includes loan profiles and other informa-
- relational database i accessed using a database server module.
- relational database i accessed using a database server module.
- 2 database comprises an Oracle database, but in alternative embodiments the relational
- 3 database may comprise another type of relational database, such as a Sybase database,
- the trading system database 1 1 1 includes information regarding each loan
- Each loan application includes a loan profile, which comprises a information about the prospective loan, a set of bids, each of which comprises an offer to 9 make the loan from a particular lender, and a set of status information, which relates to ⁇ o the processing of the loan application using the system 100.
- loan category FHLMC, FNMA, Conduit, i6 VA, FHA, or Other
- loan amount i6 VA, FHA, or Other
- loan type such as adjustable or fixed interest i7 rate
- SFR single family residence
- 3 units ⁇ or 4 units property location
- the transaction server 110 computes some information for each loan
- this computed information includes:
- 13 i4 o computed information about the property, including — its census tract, its MSA is (Metropolitan Statistical Area); its qualification as being in an area with majority i6 population belonging to ethnic minorities; the income classification for its MSA
- 17 is o computed information about the borrower, including — combined income and i9 combined debt for multiple borrowers; qualifying credit score; CRA qualification
- the geographic database 112 includes a geocoded database accessed
- the geocoded database relates each property address to its corresponding census tract, and comprises information relating to each census tract, such as median income, used for computing possible CRA qualification for the loan.
- the transaction server 110 -reads the geographic database 112 to determine information relating to the property.
- the external interfaces 113 include communication links to exogenous information and services, using the network 140 or other direct links.
- the transaction server 110 uses the external interfaces 113 to obtain information relating to the interest rate markets, the borrower, or the property.
- these exogenous information and services i2 include:
- the transaction server 110 includes a set of
- Each module is a set of software objects and/or program elements
- Each module can be executed as a separate logical server or ⁇ o using a separate physical device.
- the transaction server 110 i2 operates as a single logical server available using the network 140.
- the transaction server 110 includes the is following program modules:
- 16 i7 o login module This module is responsible for password checking, access control, is and assignment of a particular program module to service the client.
- Each broker i9 station 120 is serviced by a broker module
- each lender station 130 is serviced by
- each administration station 150 is serviced by an administra-
- the login module also implements a load management
- This module handles all server-side application require- i2 ments of the administration station 150.
- Each interface to an external loan origination is package or loan documentation package coupleable to the transaction server 110 i6 has its own corresponding external interface module, for converting incoming i7 data to a format for communication with the respective application module or is database (most interfaces require only one way communication to receive data i9 from an external package).
- Each external service has a module for communicat-
- one of the external service modules would 4 be used to obtain credit scores and reports from credit reporting agencies (most 1 external services require two ⁇ way communication with an external agent or
- This module handles notification and electronic mail
- Database interface module This module handles all interface requirements s between application modules and the databases.
- the database For example, the database
- this module manages (a) the number of simultaneous connections to the ⁇ o database such that the total number is maintained within applicable license ii agreements; and (b) any integrity problems in interactions between application i2 modules and the databases.
- this module allows the Transaction Server to be i3 connected to different types of databases such as relational databases or object- i oriented databases.
- This module receives the address sent to the transaction i7 server 110, performs a query to the geographic database for any matches, is evaluates any matches and prepares a query response to the broker station 120.
- This module manages resource usage by other modules and
- This module includes a collection of data objects and program
- trading system database 111 This database includes loan profile data from the broker stations " 120, computed data for those loan profiles, and other relevanrdata needed to support real-time trading (such as user profiles and access permission information).
- This database includes data based on that published by the U.S. Census Bureau and the U.S. Postal Service ZIP + 4 directory files.
- the transaction server 110 can configure its i2 program modules and change operating parameters dynamically while the system 100 is i3 operating, by editing selected files having operating parameters used during operation of i the system 100.
- additional devices can be added into the network 140 to meet is resource requirements of the system 100.
- Each of the broker stations 120 comprises a device or set of devices
- 2 3 120 can comprise a PC workstation such as an Intel Pentium processor operating under 24 control of the Microsoft Windows 95 operating system.
- the broker station 120 operates under control of broker client software
- the broker station 120 includes information input devices, such as a keyboard
- broker includes any person or entity fulfilling a
- the broker stations 120 could be used directly by prospective borrowers, by ii cooperatives thereof, or by certain classes of loan officers at lending institutions.
- a brokerage organization can use the broker station 120 so as to coordi- i4 nate with the brokerage's organizational structure.
- a loan processor or a is manager can enter and view loans on behalf of one or more brokers, either individually i6 or simultaneously in one screen display.
- a loan processor would act on behalf i7 of a small number of selected brokers, while a manager would act on behalf of all brokers is possibly including himself or herself.
- a broker uses the broker station 120 to transmit loan profiles to the
- the broker station 120 makes connections to the transaction server 110 using the network 140 on an as-needed basis, so as to send messages to the transaction server 110 without excessive use of the network 140.
- the broker station 120 makes the connection to the transaction server 110 using the network 140 at that time, rather than maintaining a connection to the transaction server
- the broker station 120 can also receive asynchronous communications i3 from the transaction server 110, such as in the event there are urgent communications or i4 other information of immediate interest to the broker.
- the broker can is request the transaction server 110 to transmit messages to the broker station 120 i6 whenever any loan profile receives a bid having specified criteria (the broker can set i7 these criteria, or can request notification of all bids or of none).
- the broker station 120 is can also receive electronic mail messages from other users of the system 100, including i9 other brokers, lenders, or other parties.
- the transaction server 110 can also broadcast events of interest to all
- the broker station 120 includes a software
- Each of the lender stations 130 comprises a device or set of devices
- one of the lender stations 130 i2 can comprise a PC workstation such as an Intel Pentium processor operating under i3 control of the Microsoft Windows 95 operating system.
- the lender station 130 operates under control of lender client software, i6 which interacts using the network 140 with the transaction server 110 as described i7 herein.
- the lender station 130 includes information input devices, such as a keyboard is and mouse or other pointing device, and information output and presentation devices, i9 such as a monitor and printer.
- the term "lender” includes any person or entity fulfilling a
- a lender uses the lender station 130 to search the database for particular desired types of loans, to sort selected loans by particular desired criteria, to bid on loan applications, and to be notified when their bids are accepted.
- the lender at the. lender station 130 can construct and store its own particular desired criteria, and retrieve and reuse those stored criteria.
- the lender at the lender station 130 can also direct the transaction server 110 to actively search for its own particular desired criteria, and to notify the lender at the lender station 130 when any loans matching those criteria appear in the trading system database 111.
- the lender ii station 130 makes connections to the transaction server 110 using the network 140 on i2 an as-needed basis, so as to send messages to the transaction server 110 without i3 excessive use of the network 140.
- the lender station 130 can also receive i6 asynchronous communications from the transaction server 110, such as in the event i7 there are urgent communications or other information of immediate interest to the lender. is Also similar to the broker station 120, the lender station 130 can also receive electronic i9 mail messages from other users of the system 100, including brokers, other lenders, or
- the lender broker station 130 includes a
- the administration client 150 comprises a device or set of devices coupled
- the administration client 150 can comprise ⁇ o a PC workstation such as an Intel Pentium processor operating under control of the ii Microsoft Windows 95 operating system, or can comprise software operating on a i2 processor used for the transaction server 110.
- the administration client 150 operates under control of administration is client software, which interacts using the network 140 with the transaction server 110 as i6 described herein.
- the administration client 150 includes information input devices, such i as a keyboard and mouse or other pointing device, and information output and presenta- i8 tion devices, such as a monitor and printer.
- An administrator uses the administration client 150 to monitor operation of
- Information is collected by the administration client 150 and stored in the e system 100 and used in support of trading, including the following:
- 11 i2 o information about changes in relationship between any parties, including — i3 when a loan processor or lender representative enters or leaves any selected i4 broker or lender organization
- This information is transmitted to the transaction server 110 so as to ensure i7 integrity of trading operations.
- the transaction server 110 can is enable or disable passwords at appropriate times, and can track any loans i9 affiliated with the parties after their change in organizational affiliation.
- the administra- ⁇ tion client 150 makes connections to the transaction server 110 using the network 140 i2 on an as-needed basis, so as to send messages to the transaction server 110 without i3 excessive use of the network 140.
- the administration client 150 can also i6 receive asynchronous communications from the transaction server 110, such as in the i7 event there are urgent communications or other information of immediate interest to the ⁇ a administrator. Also similar to the broker station 120, the administration client 150 can i9 also receive electronic mail messages from other users of the system 100, including
- a set of system monitor stations 160 are coupled to the network 140 for remotely monitoring and controlling the state and usage of the transaction server 110.
- An operator using one or more of the system monitor stations 160 is capable of starting or stopping one of the program modules of the transaction server 110 or other components of the system 100.
- Each system monitor stations 160 provides visual display of the state and usage of the transaction server 110, selected ones of its program modules, and the network 140.
- a web server 170 is coupled to the network 140 for maintaining and i4 serving documents and other information used by brokers at the broker stations 120, is lenders at the lender stations 130, and administrators at the administrator stations 150.
- the web server 170 includes the following information:
- 17 is o due diligence information on brokers and lenders, made available only to i9 authorized persons for review;
- the network 140 provides for communication between the transaction
- the network 140 includes a WAN (wide area ⁇ o network) such as the "Advantis" network available from IBM Corporation of Armonk, ii New York. However, in alternative embodiments, the network 140 may use internet, i2 intranet, dial-up telephone lines or leased communication lines, or some combination i thereof. In a preferred embodiment, the network 140 uses duplicate communication lines i4 between nodes, and provides for automated failover transparent to users.
- WAN wide area ⁇ o network
- messages transmitted using the network are i7 encrypted or use digital signatures or other security measures to verify their source and is to assure that they are not tapped or forged by intruders.
- Figure 2 shows a process flow diagram of operation of an interactive
- a method 200 of operation of the system 100 includes a plurality of flow
- a prospective borrower desires to obtain a home s mortgage loan or similar loan.
- the borrower transmits prospective loan information s regarding a prospective loan application to a mortgage broker, loan broker, or similar
- the prospective loan information can be transmitted ⁇ o using an industry standard form for prospective loan information, such as a Form 1003 or ii Form 1008.
- the prospective loan information can also be transmitted using a computer i2 file prepared using an existing loan documentation or origination software package.
- the broker at the broker station 120 logs in to the transac- i5 tion server 110 and verifies that the broker station 120 is authorized to access the system i6 100.
- the transaction server 110 transmits any access control data or other i7 data needed to initialize the broker station 120 so as to customize it for access by that is individual broker, loan processor, or broker manager.
- the broker can perform one of a set of functions using the broker station i 120, including the following:
- 22 3 o managing loan profiles, including — creating a loan profile and adding it to the
- prequalifying borrowers including — viewing interest rates available on the i system 100, such as the average interest rate, high interest rate, low interest rate, is or median interest rate associated with selected loan profile information; viewing i6 aggregate interest rates for the entire system 100; viewing lender activity in terms i7 of number of lenders who have purchased selected types of loans
- system 100 allows hierarchical management
- a loan processor is allowed to e perform these functions on behalf of one or more selected brokers, but is not allowed to
- Brokers can delegate authority to loan
- processors to post loans can exclude or include authority to accept bids with that
- the broker at the broker station 120 interactively enters data i4 for the loan profile, optionally periodically or intermittently save that data, optionally is edits that data, optionally validates that data for reasonable values at the broker station i6 120, and when complete, prepares to transmit the completed loan profile to the transac- i7 tion server 110.
- the broker at the broker station 120 optionally reviews
- the broker at the broker station 120 sets a selected asking
- the broker station 120 transmits a loan profile to the loan
- the loan profile includes the prospective loan information ⁇ but
- the transaction server 110 does not identify the borrower or the broker to prospective s lenders.
- the transaction server 110 validates the information ⁇ provided for each loan profile, such as determining whether there is in fact a property at
- the transaction server 110 deter- ⁇ mines that the information provided for the loan profile is not valid (to more than a trivial i2 extent), the transaction server 110 responds to the broker station 120 by requesting i3 correction.
- the transaction server 110 or the broker station 120 i6 can transform certain data entry values so as to make it convenient for the broker to i7 enter data.
- the transaction server 110 or the broker station is 120 can accept the value "300K” and transform that to the value "300,000".
- the transaction server 110 provides for
- the transaction server 110 computes any computed informa-
- the transaction server 110 computes aggregate tags for the
- a prospective lender desires to bid on one or more i2 loan applications.
- the lender at the lender station 130 logs in to the transaction is server 110 and verifies that the lender station 130 is authorized to access the system 100.
- selected lenders are allowed to access selected is categories of loan profiles depending on the nature of their membership or privileges i9 granted to them when signing up for using the system 100. For example, selected
- this information is transmitted by the transaction server 110 to the lender.
- the lender can perform one of a set of functions using the lender station
- loan profile searches can specify that the loan profile can be considered for
- 10 ii Loan profile searches can also be specified to be "active," in which the transac- i2 tion server 110 is directed to periodically perform the loan profile search on i3 updated contents of the trading system database 111 , and to notify the lender i4 station 130 of revised results of the active loan profile search.
- 17 is o managing bids on loans, including — placing bids on loan profiles, receiving i9 notification of accepted bids
- the transaction server 110 provides limited information to this particular lender
- 4 o managing loan portfolios including — searching loan profiles for accepted bids;
- the lender at the lender station 130 determines a query
- the lender station 130 optionally stores 1 the query profiles, so that the lender can optionally use or modify a query profile for
- the lender at the lender station 130 transmits a database
- the lender can choose to 7 retrieve only those loans on which the lender has not already bid, or to retrieve all such ⁇ loans regardless of their bid status.
- the ii lender can query for searchable database elements relating to the borrower.
- the lender can search on criteria such as the following:
- 17 is o calculated credit information for the loan, such as a LTV (loan to value) ratio, a i9 qualifying credit score, front and back ratios, loan lock period, a total loan
- the transaction server 110 performs a database lookup for ⁇ o the trading system database 111 in response to the database query, and transmits a query ii response to the lender station 130.
- the query response identifies loan profiles which i2 match the database query.
- the transaction server 110 transmits information regarding is loan profiles matching the query to the lender station 130.
- i6 loans already bid upon by the lender are so marked, such as by being displayed in a i different color.
- the lender at the lender station 130 can view details of the
- loan profiles can include those having comments regarding the nature of the property or
- the lender at the lender station 130 optionally reviews the lender's portfolio of those loans with accepted or rejected bids and those loans waiting for responses from brokers at broker stations 120.
- the lender at the lender statical -130 optionally reviews the lender's bids declined by brokers at broker stations 120 against winning bids, and optionally reviews the lender's winning bids against others' bids declined by brokers at broker stations 120.
- the lender at the lender station 130 optionally reviews market performance, including activity in the system 100.
- the lender at the lender station 130 selects a loan profile for
- the transac- ⁇ tion server 110 transmits details about the loan profiles to the lender station 130.
- the lender at the lender station 130 transmits a bid on one of i4 the loan profiles.
- the transaction server 110 enters the bid in the loan profile, indicating is that the lender has bid on the loan profile, but does not identify the lender to prospec- i6 tive borrowers or brokers.
- the bid can have an associated expiration time, after which the transaction i9 server 110 will mark the bid withdrawn (or delete it), so that it can no longer be accept- 20 ed.
- the lender at the lender station 130 can post a
- the transaction server 110 transmits a bid notification to
- each broker station 120 associated with a loan profile which has received a bid.
- the bid
- 3 notification can include one or more of the following: (a) a bid alert on a display _at the
- broker station 120 (b) a pager notification to the broker; (c) an electronic mail message s to the broker station 120.
- a prospective borrower desires to accept a bid on a s loan application.
- the broker at the broker station 120 logs in to the transac- ⁇ tion server 110 and verifies that the broker station 120 is authorized to access the system i2 100 and is authorized to accept bids for that broker.
- the broker at the broker station 120 optionally reviews the is broker's portfolio of those loans with accepted bids, those loans with pending unac- i6 cepted bids, and those loans waiting for bids from lenders at lender stations 130.
- the i7 broker at the lender station 130 optionally reviews market performance, including is activity in the system 100.
- the broker at the broker station 120 selects a loan profile
- the transaction server 110 transmits details about the loan profiles to.
- the broker at the broker station 120 selects one or more pending 24 bids for that loan profile and optionally requests details about those bids; in response, l the transaction server 110 transmits details about the pending bids to the broker station
- the broker station 120 transmits an acceptance, for a
- server 110 marks that bid at the loan profile as having been accepted, and marks all other
- the transaction server 110 notifies the winning bidder lender ⁇ o of the bid acceptance.
- the transaction server 110 transmits complete prospective i3 loan information to the lender at the lender station 130 and complete lender information i4 to the broker at the broker station 120, thus informing the borrower of the identity of the is lender and informing the lender of the identity of the borrower.
- the lender at the lender station 130 is not informed of the is identity of the broker associated with the loan profile until the bid is accepted, the lender i9 at the lender station 130 can select broker stations 120 for identification as being
- 23 station 120 can select lender stations 130 for identification as being undesirable, so that 1 bids from those lender stations 130 are not displayed in the loan profile (and the broker
- the broker transmits, either on paper or by EDI (electronic
- the broker at the broker station 120 can also prequalify prospective ⁇ o borrowers or a prospective loan profile so as to determine feasibility for a particular loan ii or a particular loan amount.
- a broker desires to prequalify a prospective borrower.
- the broker at the broker station 120 logs in to the transac- i6 tion server 110 and verifies that the broker station 120 is authorized to access the system
- the transaction server 1 10 transmits to the broker station
- the broker station 120 initializes, search criteria for prequalification with a set of
- the broker at the broker station 120 enters preliminary information regarding the prospective borrower, such as — expected credit score, and expected front ratio, back ratio, and LTV ratio.
- the broker at the broker station 120 can enter information regarding points or rates, and obtain current and past corresponding points or rates; for example, the broker at the broker station 120 can enter a selected interest rate and obtain the average, high, and low values for points corresponding to that interest rate for completed loan transactions on the system 100.
- the broker at the broker station 120 can also determine statistics regarding how many lenders have made loans of those types.
- the broker at the broker station 120 can inform the prospec- i2 tive borrower about whether or not it is feasible to obtain competitive rates in those i3 contemplated ranges.
- the transaction server 110 records information regarding pending loan i6 profiles and completed loans for later monitoring and reporting by the administrative i7 client 150.
- this information includes at least the following:
- the borrower and the lender are each charged a
- the amount of the fee can be fixed or can be varied in response
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP98946943A EP1012769A1 (en) | 1997-09-12 | 1998-09-11 | Interactive mortgage and loan information and real-time trading system |
CA002293462A CA2293462A1 (en) | 1997-09-12 | 1998-09-11 | Interactive mortgage and loan information and real-time trading system |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/928,559 US5995947A (en) | 1997-09-12 | 1997-09-12 | Interactive mortgage and loan information and real-time trading system |
US08/928,559 | 1997-09-12 |
Publications (2)
Publication Number | Publication Date |
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WO1999013425A1 true WO1999013425A1 (en) | 1999-03-18 |
WO1999013425A9 WO1999013425A9 (en) | 1999-07-01 |
Family
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Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1998/018934 WO1999013425A1 (en) | 1997-09-12 | 1998-09-11 | Interactive mortgage and loan information and real-time trading system |
Country Status (4)
Country | Link |
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US (4) | US5995947A (en) |
EP (1) | EP1012769A1 (en) |
CA (1) | CA2293462A1 (en) |
WO (1) | WO1999013425A1 (en) |
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Also Published As
Publication number | Publication date |
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WO1999013425A9 (en) | 1999-07-01 |
CA2293462A1 (en) | 1999-03-18 |
US20100023446A1 (en) | 2010-01-28 |
EP1012769A1 (en) | 2000-06-28 |
US20100023440A1 (en) | 2010-01-28 |
US5995947A (en) | 1999-11-30 |
US20060190394A1 (en) | 2006-08-24 |
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