WO2004061566A8 - System and method for verifying loan data at delivery - Google Patents

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
WIPO (PCT)
Prior art keywords
loan
delivery
data
underwriting
logic
Prior art date
Application number
PCT/US2003/037391
Other languages
French (fr)
Other versions
WO2004061566A3 (en
WO2004061566A2 (en
Inventor
John L Kemper
David A Coleman
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
Application filed by Fannie Mae filed Critical Fannie Mae
Priority to AU2003295807A priority Critical patent/AU2003295807A1/en
Publication of WO2004061566A2 publication Critical patent/WO2004061566A2/en
Publication of WO2004061566A8 publication Critical patent/WO2004061566A8/en
Publication of WO2004061566A3 publication Critical patent/WO2004061566A3/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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q30/0283—Price estimation or determination
    • 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

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 WO2004061566A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003295807A AU2003295807A1 (en) 2002-12-30 2003-11-21 System and method for verifying loan data at delivery

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US43697702P 2002-12-30 2002-12-30
US60/436,977 2002-12-30

Publications (3)

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

Family

ID=32713117

Family Applications (2)

Application Number Title Priority Date Filing Date
PCT/US2003/037328 WO2004061561A2 (en) 2002-12-30 2003-11-21 System and method for facilitating delivery of a loan to a secondary mortgage market purchaser
PCT/US2003/037391 WO2004061566A2 (en) 2002-12-30 2003-11-21 System and method for verifying loan data at delivery

Family Applications Before (1)

Application Number Title Priority Date Filing Date
PCT/US2003/037328 WO2004061561A2 (en) 2002-12-30 2003-11-21 System and method for facilitating delivery of a loan to a secondary mortgage market purchaser

Country Status (3)

Country Link
US (3) US7747519B2 (en)
AU (2) AU2003295787A1 (en)
WO (2) WO2004061561A2 (en)

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