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System and method for verifying loan data at delivery

Info

Publication number
WO2004061566A8
WO2004061566A8 PCT/US2003/037391 US0337391W WO2004061566A8 WO 2004061566 A8 WO2004061566 A8 WO 2004061566A8 US 0337391 W US0337391 W US 0337391W WO 2004061566 A8 WO2004061566 A8 WO 2004061566A8
Authority
WO
Grant status
Application
Patent type
Prior art keywords
loan
data
delivery
logic
underwriting
Prior art date
Application number
PCT/US2003/037391
Other languages
French (fr)
Other versions
WO2004061566A3 (en )
WO2004061566A2 (en )
Inventor
David A Coleman
John L Kemper
Original Assignee
Fannie Mae
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

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0283Price estimation or determination
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • G06Q40/025Credit processing or loan processing, e.g. risk analysis for mortgages

Abstract

A system for verifying loan data for a loan being delivered by a seller to a purchaser includes underwriting logic that generates a set of underwriting data for a loan and delivery logic that receives a set of delivery data for the loan from the seller and processes the delivery data. The delivery logic includes comparison logic that compares the underwriting data for the loan and the delivery data for the loan to determine any differences. If there are differences between the underwriting data and the delivery data for the loan, yield adjustments and fees may be determined for the loan based on the differences.
PCT/US2003/037391 2002-12-30 2003-11-21 System and method for verifying loan data at delivery WO2004061566A3 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US43697702 true 2002-12-30 2002-12-30
US60/436,977 2002-12-30

Publications (3)

Publication Number Publication Date
WO2004061566A2 true WO2004061566A2 (en) 2004-07-22
WO2004061566A8 true true WO2004061566A8 (en) 2004-11-18
WO2004061566A3 true WO2004061566A3 (en) 2005-01-06

Family

ID=32713117

Family Applications (2)

Application Number Title Priority Date Filing Date
PCT/US2003/037391 WO2004061566A3 (en) 2002-12-30 2003-11-21 System and method for verifying loan data at delivery
PCT/US2003/037328 WO2004061561A3 (en) 2002-12-30 2003-11-21 System and method for facilitating delivery of a loan to a secondary mortgage market purchaser

Family Applications After (1)

Application Number Title Priority Date Filing Date
PCT/US2003/037328 WO2004061561A3 (en) 2002-12-30 2003-11-21 System and method for facilitating delivery of a loan to a secondary mortgage market purchaser

Country Status (2)

Country Link
US (3) US7747519B2 (en)
WO (2) WO2004061566A3 (en)

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US8024265B2 (en) 2011-09-20 grant
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US20040225596A1 (en) 2004-11-11 application

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