SG11201810364VA - Electronic mortgage brokering and monitoring - Google Patents

Electronic mortgage brokering and monitoring

Info

Publication number
SG11201810364VA
SG11201810364VA SG11201810364VA SG11201810364VA SG11201810364VA SG 11201810364V A SG11201810364V A SG 11201810364VA SG 11201810364V A SG11201810364V A SG 11201810364VA SG 11201810364V A SG11201810364V A SG 11201810364VA SG 11201810364V A SG11201810364V A SG 11201810364VA
Authority
SG
Singapore
Prior art keywords
international
computing system
brokering
mortgage
pct
Prior art date
Application number
SG11201810364VA
Inventor
Ruth Hatherley
Jonathan Edward Macdonald
Original Assignee
MoneyCatcha Pty Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from AU2016902100A external-priority patent/AU2016902100A0/en
Application filed by MoneyCatcha Pty Ltd filed Critical MoneyCatcha Pty Ltd
Publication of SG11201810364VA publication Critical patent/SG11201810364VA/en

Links

Classifications

    • 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
    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23—Updating
    • G06F16/2365—Ensuring data consistency and integrity
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • G06Q30/018—Certifying business or products
    • G06Q30/0185—Product, service or business identity fraud
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0278—Product appraisal
    • 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
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/16—Real estate
    • 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
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services
    • G06Q50/265—Personal security, identity or safety

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property 111111111111111111111111111111111111111111111111111111111111111111111111111111111 Organization International Bureau (10) International Publication Number 0 (43) International Publication Date ......0\"\" WO 2017/205902 Al 07 December 2017 (07.12.2017) WIP0 I PCT (51) International Patent Classification: Bridge Road, Stratford-Upon-Avon Warwickshire CV37 G06Q 40/02 (2012.01) 9NP (GB). (21) International Application Number: (74) Agent: PATENTEUR PTY LTD; Amberley Business PCT/AU2017/050456 Centre, IBM Building, Level 3, 1060 Hay Street, West Perth, Western Australia 6005 (AU). (22) International Filing Date: 17 May 2017 (17.05.2017) (81) Designated States (unless otherwise indicated, for every (25) Filing Language: English kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, (26) Publication Language: English CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, (30) Priority Data: DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, 2016902100 01 June 2016 (01.06.2016) AU HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, KP, KR, 2016904745 21 November 2016 (21.11.2016) AU KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, (71) Applicant: MONEYCATCHA PTY LTD [AU/AU]; PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, Suite 1, Level 1, Shafto Lane, 876 Hay Street, Perth, West- SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, ern Australia 6000 (AU). TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (72) Inventors: HATHERLEY, Ruth; 5/32 Mackie Street, (84) Designated States (unless otherwise indicated, for every Victoria Park, Western Australia 6100 (AU). MACDON- kind of regional protection available): ARIPO (BW, GH, ALD, Jonathan Edward; 3 The Courtyard, Timothy's GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, (54) Title: ELECTRONIC MORTGAGE BROKERING AND MONITORING = = = IIII = = = = 200 = = = = = 111 II = = = 1-1 Fig, 1 1111 IIIII e•1 (57) : Provided is a fmancial transaction arrangement (1) which generally comprises a distributed processing arrangement and 0 ON includes an identification service computing system (2,) a fmancial institution computing system (3), a property registry computing In system (4), a lender computing system (5), an appraiser (6), and a mortgage brokering computing system (8). All of these computing systems (2, 3, 4, 5) and (8) are interconnected by means of communications network 200 which incorporates a blockchain. Via a number ei ---- of transactions, the mortgage brokering computing system (8) generates aggregate blockchains on the network 200 able to provide a IN demonstrable and auditable history for captured identification details and subsequent transactions required for automatically brokering C a mortgage. ei O [Continued on next page] WO 2017/205902 Al MIDEDIMOMOIDEIRMEM001010IIHROIMOIIMEMOIMIE UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Declarations under Rule 4.17: — as to applicant's entitlement to apply for and be granted a patent (Rule 4.17(H)) — as to the applicant's entitlement to claim the priority of the earlier application (Rule 4.17(iii)) Published: — with international search report (Art. 21(3))
SG11201810364VA 2016-06-01 2017-05-17 Electronic mortgage brokering and monitoring SG11201810364VA (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
AU2016902100A AU2016902100A0 (en) 2016-06-01 Mortgage brokering method and system
AU2016904745A AU2016904745A0 (en) 2016-11-21 Mortgage monitoring method and system
PCT/AU2017/050456 WO2017205902A1 (en) 2016-06-01 2017-05-17 Electronic mortgage brokering and monitoring

Publications (1)

Publication Number Publication Date
SG11201810364VA true SG11201810364VA (en) 2018-12-28

Family

ID=60479569

Family Applications (2)

Application Number Title Priority Date Filing Date
SG11201810364VA SG11201810364VA (en) 2016-06-01 2017-05-17 Electronic mortgage brokering and monitoring
SG10202011989RA SG10202011989RA (en) 2016-06-01 2017-05-17 Electronic mortgage brokering and monitoring

Family Applications After (1)

Application Number Title Priority Date Filing Date
SG10202011989RA SG10202011989RA (en) 2016-06-01 2017-05-17 Electronic mortgage brokering and monitoring

Country Status (8)

Country Link
US (4) US20200334746A1 (en)
EP (1) EP3465594A4 (en)
JP (1) JP2019522275A (en)
CN (1) CN109564668A (en)
AU (2) AU2017274073A1 (en)
CA (2) CA3230832A1 (en)
SG (2) SG11201810364VA (en)
WO (1) WO2017205902A1 (en)

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US11100574B1 (en) 2017-05-10 2021-08-24 State Farm Mutual Automobile Insurance Company Continuously monitoring and updating mortgage ready data
US10949919B1 (en) 2017-05-10 2021-03-16 State Farm Mutual Automobile Insurance Company Approving and updating dynamic mortgage applications
US11210734B1 (en) 2017-05-10 2021-12-28 State Farm Mutual Automobile Insurance Company Approving and updating dynamic mortgage applications
US10943294B1 (en) * 2017-05-10 2021-03-09 State Farm Mutual Automobile Insurance Company Continuously monitoring and updating mortgage ready data
US11094007B1 (en) 2017-05-10 2021-08-17 State Farm Mutual Automobile Insurance Company Continuously updating mortgage ready data
US11010831B1 (en) 2017-05-10 2021-05-18 State Farm Mutual Automobile Insurance Company Identifying multiple mortgage ready properties
US11244387B1 (en) 2017-05-10 2022-02-08 State Farm Mutual Automobile Insurance Company Approving and updating dynamic mortgage applications
JP7100349B2 (en) * 2018-03-14 2022-07-13 龍二 池田 Programs, information processing equipment and information processing methods
US11068978B1 (en) 2018-04-02 2021-07-20 Liquid Mortgage Inc. Decentralized systems and methods for managing loans and securities
CN108647962B (en) 2018-04-27 2023-04-07 腾讯科技（深圳）有限公司 Credit investigation system, credit investigation data storage method, device, equipment and medium
US20210256622A1 (en) * 2018-09-15 2021-08-19 Zillion Insurance Services, Inc. Method and collaborative platform for intelligent purchase decisions
US11080293B2 (en) 2018-10-04 2021-08-03 Toyota Motor North America, Inc. Apparatus, methods, and systems for tracking and accounting for data flow in a loan processing system
CN111080044A (en) * 2018-10-19 2020-04-28 宝硕财务科技股份有限公司 Financial record management system
US20210142405A1 (en) * 2018-12-31 2021-05-13 Social Equity Incorporated System and method for providing an ownership conveyance system and/or marketplace
JP6856769B2 (en) * 2019-03-06 2021-04-14 アドバンスド ニュー テクノロジーズ カンパニー リミテッド Managing household scores using smart contracts within the blockchain network
CN110135843B (en) * 2019-04-09 2021-09-28 南京星云数字技术有限公司 Method and system for supervising movable property warranty based on alliance chain
CN112181976A (en) * 2019-08-08 2021-01-05 北京天德博源科技有限公司 Small loan deposit certificate based on block chain
CN110941611B (en) * 2019-11-06 2022-04-15 四川长虹电器股份有限公司 Identification analysis system implementation method based on block chain technology and identification coding technology
CN111178826A (en) * 2019-12-10 2020-05-19 中证信用云科技（深圳）股份有限公司 Consumption financial risk management method based on block chain and cloud platform
JP7416205B2 (en) 2020-03-10 2024-01-17 日本電気株式会社 Group management device, group management method and program
JP6804073B1 (en) * 2020-03-19 2020-12-23 ｂａｃｏｏｒ ｄＡｐｐｓ株式会社 Computer program to function as a smart contract
WO2021186814A1 (en) * 2020-03-19 2021-09-23 ｂａｃｏｏｒ ｄＡｐｐｓ株式会社 Method executed by computer system and computer system
CN111640002A (en) * 2020-05-12 2020-09-08 普洛斯科技(重庆)有限公司 Block chain-based mortgage loan method and device
US20220156861A1 (en) * 2020-11-16 2022-05-19 Jpmorgan Chase Bank, N.A. Systems and methods for blockchain-based data-driven property management
US11561666B1 (en) 2021-03-17 2023-01-24 Wells Fargo Bank, N.A. User interfaces for contextual modeling for electronic loan applications
CN113706283B (en) * 2021-10-28 2022-02-11 江苏荣泽信息科技股份有限公司 Double-chain retrieval and tracing method based on real estate transaction

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Also Published As

Publication number Publication date
EP3465594A4 (en) 2019-10-16
SG10202011989RA (en) 2021-01-28
WO2017205902A1 (en) 2017-12-07
JP2019522275A (en) 2019-08-08
US20230394570A1 (en) 2023-12-07
US20210192615A1 (en) 2021-06-24
CA3026039A1 (en) 2017-12-07
US20230120472A1 (en) 2023-04-20
US20200334746A1 (en) 2020-10-22
EP3465594A1 (en) 2019-04-10
CA3230832A1 (en) 2017-12-07
CN109564668A (en) 2019-04-02
AU2021102394A4 (en) 2021-06-24
AU2017274073A1 (en) 2018-12-06

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