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39 results about "Down payment" patented technology
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Down payment (or downpayment, also called a deposit in British English), is an initial up-front partial payment for the purchase of expensive items such as a car or a house. It is usually paid in cash or equivalent at the time of finalizing the transaction. A loan of some sort is then required to finance the remainder of the payment.
System and method for integrated credit application and tax refund estimation
InactiveUS20080281734A1Easy to handleReduce complexityComplete banking machinesFinanceOperating systemDown payment
Systems and methods for handling multiple aspects of the acquisition of products and / or services, such as vehicles, are provided in a unified and streamlined fashion. Through an integrated credit application and tax refund estimation service application / systems, credit application-related data and non-overlapping tax-related data is captured. A tax refund is estimated based upon the tax-related data and at least a portion of the credit application-related data. Upon a determination to utilize at least a portion of the estimated tax refund as at least a portion of a down payment on a loan, at least a portion of the estimated tax refund is incorporated into a deal structure of the loan, and a credit application including the deal structure and at least the credit application-related data is submitted for a decision.
Owner:WOLTERS KLUWER FINANCIAL SERVICES
Reverse Customized Consumer Loan Search
Embodiments of the present invention relate to methods and systems for implementing a product or property search for a consumer, based upon a consumer's desired down payment or / and desired monthly payment. Embodiments disclosed comprise a first subsystem adapted to receive a consumer profile input from a user interface wherein the said subsystem is capable of qualifying the input consumer profile against a single or plurality of lenders' guidelines, and a second subsystem adapted to match lenders' with whom the consumer qualifies, with product sets or properties, and to present the consumer with a set of available products or properties to select.
Owner:LOAN INSIGHTS
Systems and methods for optimization of a financial transaction
A method of determining a structure for financing a consumer product through a computer implemented process according to one embodiment comprising the steps of: receiving one or more fixed inputs including a monthly payment value and a down payment value; calculating a plurality of potential financial structures for the consumer product based upon the monthly payment value and the down payment value; and determining from the plurality of potential financial structures, a financial structure that provides a greatest profit for a seller of the consumer product.
Owner:NOWCOM LLC
Vehicular advertising system
A vehicular advertising system and method for generating an income stream from advertising including a display device mounted on a vehicle. The vehicle owner or lessee will receive an incentive from an advertiser or seller to mount the display device to the vehicle in the form of a payment for a specified period of time. The incentive may be a contribution to the vehicle down payment, periodic vehicle payment or periodic insurance payment made by the advertiser. The display device may be mounted on the rear of a vehicle including an illuminating device wired to the electrical system of the vehicle. The display device may be used in connection with a telephone number or Internet web location to provide a viewer with additional information provided by the advertiser.
Owner:ALWAYS VICTORIA
Real estate appreciation contract
ActiveUS20090037328A1High, long-term capital gain returnsFinancePayment architectureComputer scienceApartment
A method and system for providing a contract between a property purchaser, e.g., the purchaser of a house, co-op or condo, and an investment fund in which a down payment or other financing is provided to the buyer from the fund in return for a portion of the capital appreciation of the real estate asset. The contract may be grouped with other such contracts and traded in an electronic market. Upon maturity or earlier sale of the property, a portion of the appreciated value of the property paid back to the Fund.
Owner:NEXTGENA
Real-time interactive taxi calling system and method
ActiveCN102254426AIncrease success rateReduced call capacityEnergy efficient ICTRoad vehicles traffic controlThe InternetEngineering
The invention discloses a real-time interactive taxi calling system and method, belonging to the field of internet of vehicle of new generation wireless communication applications. In the method, idle taxi information meeting requirements of a passenger is provided to the passenger in a wireless communication mode, the passenger directly contacts with the driver of an idle taxi to realize real-time interaction during the process of contact, and benefits of both the passenger and the taxi are further ensured in a down payment mode. According to the invention, the taxi calling response time is shortened, and the whole taxi calling flow is not limited by the taxi calling capacity due to the adoption of an intelligent terminal, thus the taxi calling success rate is improved and the problem that one party breaks a promise is effectively solved.
Owner:重庆信科设计有限公司
Methods for converting renters into property owners
InactiveUS20050149431A1Simple methodFinanceSpecial data processing applicationsThird partyProperty value
Methods for converting a renter into a property owner in cooperation with an investor comprise a third party finding the renter as well as the investor agreeing to purchase a property selected by the renter. During a phase one period of time the investor receives rent from the renter and obtains an increase in the property value until the beginning of a phase two period of time. Beginning phase two the renter obtains a new first mortgage to purchase the property at market value, the investor providing a sufficient second mortgage so that the renter requires no down payment to purchase the property. At the end of phase two, the renter obtains a further new first mortgage discharging the investor second mortgage and the investor gaining a portion of the new market value of the property. The methods repeat during phase two providing the investor with increased income potential.
Owner:DELANEY SEAN M
Method and apparatus for providing home equity financing without interest payments
A method of financing is provided for the purchase of real estate property, in which a portion of a down payment is provided by an equity financing provider, in return for a right to a portion of the future change in value of the property. The home purchaser does not make any periodic payments to the equity financing provider; only when the equity financing rights are redeemed does the equity financing provider typically receive payment. The equity financing provider also can supply similar equity financing when an existing home owner wishes to raise capital by using the existing equity in the home; instead of obtaining a second mortgage (or a home equity line of credit), the home owner can obtain equity financing from the equity financing provider, in return for a right to a portion of the future change in value of the property.
Owner:HANSFORD BRENDON N
Reverse customized consumer loan search
Embodiments of the present invention relate to methods and systems for implementing a product or property search for a consumer, based upon a consumer's desired down payment or / and desired monthly payment. Embodiments disclosed comprise a first subsystem adapted to receive a consumer profile input from a user interface wherein the said subsystem is capable of qualifying the input consumer profile against a single or plurality of lenders' guidelines, and a second subsystem adapted to match lenders' with whom the consumer qualifies, with product sets or properties, and to present the consumer with a set of available products or properties to select.
Owner:LOAN INSIGHTS
Systems and methods for optimization of a financial transaction
Owner:NOWCOM LLC
Self-service transaction system and method for second-hand houses
InactiveCN101739634AImprove securitySave on agency feesPayment architectureCommerceTransfer procedureDelivery Procedure
The invention relates to a self-service transaction system and a method for second-hand houses, and the process is as follows: information is submitted to a house brokerage company after a buyer and a seller determine the intention, and the written information is completely verified by the house brokerage company; then the buyer and the seller sign a contract at a service net point for signing the contact under the guidance of a professional of the house brokerage company, and the service net point for signing the contact can be set in a bank; then the buyer deposits down payment in a fund supervision account which is opened by a guarantee company in the bank after signing the contact; then the buyer goes to a transaction center for handling the ownership transfer procedure; when the buyer receives a receipt that the transaction center handles the ownership transfer procedure, the buyer deposits the second payment in the supervision account of the bank; the buyer and the seller carry out the property delivery when receiving a new property ownership certificate, and the supervision account of the bank transfers the payment to the seller when completing the delivery procedure; and the whole-process supervision of the whole fund supervision account and the transaction process is carried out by the house brokerage company, the guarantee company and a system of the bank, thereby ensuring the transaction safety.
Owner:上海华燕房盟网络科技股份有限公司
System and Method of Electronically Perfecting a Premium Finance Agreement
A system and method of electronically perfecting a premium finance agreement (PFA) includes receiving data associated with an agent, the agent representing a potential insured; receiving data from the agent corresponding to at least a down payment for the PFA by the insured; providing the agent with the ability to electronically sign the PFA; and generating an email message to the insured, the email message corresponding with the PFA and the down payment. The system and method also include receiving bank account data associated with the insured; displaying a confirmation of the down payment amount that will be deducted from the bank account; providing a person authorized by the insured the ability to electronically sign the PFA; and electronically debiting the bank account for at least the down payment amount.
Owner:BRANCH BANKING & TRUST
Enterprise fund management system and method based on performance management and financial analysis
InactiveCN107358376ABreak down structural barriersEffective trackingResourcesOriginal dataEnterprise resource planning
The present invention relates to an enterprise fund management system and method based on performance management and financial analysis. The system includes a data analysis module, a data presentation module, a role right module and a performance management system; the data analysis module selects data from an ERP (Enterprise Resource Planning) system, makes a report by means of summarization according to a specific query screening condition, and realizes data analysis based on the report; the data presentation module is used for processing the report and data analysis result generated by the data analysis module to form a visual chart and generates a data report with role differences according to role rights; the role right module is used for defining the access rights of different roles during data presentation and assists the data presentation module to generate a targeted report; and the performance management system is used for recording the work achievements of staff associated with fund down payment in fund balance related operation. With the enterprise fund management system and method of the invention adopted, the structural barriers of original data are broken; data interfaces and specified screening condition logic are adopted to establish a multi-level-segmentation and multi-dimension-contrast fund chain related data analysis report.
Owner:袁也
Information interaction method and system
InactiveCN108961010ALow costImprove efficiencyCredit schemesBuying/selling/leasing transactionsCredit limitLibrary science
The embodiment of the invention provides an information interaction method and system. A procurement platform receives a candidate object selected by a user as a target object; the procurement platform determines whether the installment payment method is supported, and determines whether the credit limit satisfies specified conditions; if the installment payment method is supported and the currentuser's credit limit meets the specified conditions, procurement order information is generated and sent to an audit server; the audit server audits the procurement order information, and if the procurement order information passes the audit, contract information is generated; a management server determines whether the contract information is valid, and if yes, that whether the payment timeout ofthe target object is determined; if there is no timeout, a financial server obtains the deposit of the target object; and the management server determines whether the target object has payment timeoutafter the out-of-storage, and if there is no timeout, the financial server obtains the down payment of the target object. The above scheme is used to solve the problems of cumbersome product purchase, high cost and low efficiency to a certain extent.
Owner:WELLONG ETOWN INT LOGISTICS
Customizable and flexible payment plans
A software platform implementing a payment plan option for customers purchasing goods and services from a merchant website has an intuitive and transparent customer experience. The customer is able to calibrate down payment, frequency, and duration of the payment plan using user interface elements that show all values and periods being adjusted as the customer is making modifications to the payment plan. The platform allows the merchant to offer payment plans where customers can pay on specific days of the month. Customers can change payment plan terms after the plan has been agreed to and memorialized in a plan agreement containing the payment schedule. When terms have been changed, a replacement agreement is created and replaces the prior agreement. A plan can have automatic scheduled payments or manual payments. For manual payments, the merchant is able to select multiple manual plans for which he wants payments made and submit the batch of manual payments in parallel or concurrently.
Owner:PARTIALLY INC
Financial arrangement for utilizing public improvement districts for funding housing projects
A system and method for funding private housing projects utilizing Public Improvement Districts (PIDs). The system includes a home building company constructing a plurality of homes located within the home development. The system includes a financing scheme for financing projects associated with the construction of the plurality of homes by the home building company. The financing scheme includes a PID (or other public / private bond program) assessment program to finance the home development. The PID provides funds to fund the projected and is funded by individual assessments attached to a property of each home. The PID assessment may be transferred to a third party and used as a down payment or a reduction to the sales price of the home by the purchaser.
Owner:HSP BUILDING TECH
Housing lottery system and method
InactiveUS20140358753A1Increase property valueSpurring real estate marketFinanceApparatus for meter-controlled dispensingComputer scienceLottery ticket
A system for a housing lottery comprising at least one property, such as a foreclosure, to be sold through the housing lottery. A lottery management authority manages the housing lottery. Accordingly, properties are listed therewith for inclusion in the lottery. The system also includes at least one lottery ticket priced according to the property for which it corresponds or to financial obligations tied to that property, and at least one participant who purchases one or more lottery tickets for one or more different properties. The lottery management authority conducts at least one drawing for each property, and distributes the proceeds of the lottery ticket sales to satisfy financial obligations such as outstanding liens including mortgages or loans, taxes, insurance, commission, down payment to the displaced homeowner, and profits to the local municipality to spur the economy. Also a method of conducting a housing lottery as described.
Owner:JONES KEITH
Home Registry with Advertiser Contributions
Systems and methods assist a potential home buyer in funding a down payment for a residence, by accumulating contributions towards the down payment at least in part as a first function of purchases made through a first business, and keeping track of the contributions. All suitable interfaces are contemplated including especially electronic web page interfaces. Contributions can include cash, but also other suitable types, including for example points, and discounts. The purchases used as a basis for making contributions can be made by the potential home buyer, or by other person or entity. In especially preferred embodiments, a commercial lender, relative, builder, a builder's agent, or other third party can match some or all of the contributions. At least one of the contributions can be returned to a donor if the down payment is not used to purchase the residence during a given period of time.
Owner:KERESTIC DONNE
Apartment self-service terminal, system thereof and self-service contract-signing populating method
InactiveCN109658622AImprove experienceImprove check-in efficiencyData processing applicationsApparatus for meter-controlled dispensingPasswordComputer terminal
The invention provides an apartment self-service terminal, a system thereof and a self-service contract-signing populating method. The method comprises the steps of acquiring identity card information, head information and fingerprint information of a user through the apartment self-service terminal and uploading to a server end for performing networking identity verification; after successful user identity verification, entering a contract-signing interface of the self-service terminal, clicking contact-signing and performing credit auditing on the user, and signing a contact in the contract-signing interface; paying down payment through a fee paying device, and finishing contract signing; auditing the contract data at an operation end, and after auditing, performing sealing on the contract; receiving a populating message notification and verifying room asset by the user through an intelligent mobile terminal; performing room powering-on, and dispensing a room card and a password, andrealizing user populating. The apartment self-service terminal, the system thereof and the self-service contract-signing populating method have advantages of improving self-service efficiency and improving user experience. The apartment self-service terminal, the system thereof and the self-service contract-signing populating method belong to the field of self-service technology.
Owner:武汉菲奥达物联科技有限公司
Method to finance data centers and other high infrastructure facilities
A method to finance data centers and other high infrastructure facilities provides suitable collateral to close real estate financing. The method has three portions: vetting of suitable projects upon a computer, assembly of select tax credits upon a computer, and formation of capital as collateral for financing. This invention finds a building that fits the criteria for a government preservation program. Then the invention obtains collateral for financing the building renovation or rehabilitation from governmental agencies in connection with the building. Next the invention finds a third party interested in the collateral that invests in a building project or ownership of the building in exchange for the collateral. The investment funds then provide a down payment for the financing. The collateral may have the form of a federal tax credit. The method promotes financing of structures that may otherwise not obtain financing for reconstruction into a new use.
Owner:DEBOLT BRUCE J
Statistical method and system of transaction price in house property net
The invention discloses a statistical method and system of transaction prices in house property net. The method comprises the following steps: after the house property is transacted, loan amount of bank and money of down payment supervisor are acquired; the loan amount and money of supervisor are added to obtain the price of the house property. The technical proposal has the advantage of statistical accuracy.
Owner:盛玉伟
Data processing method and terminal
Embodiments of the invention disclose a data processing method and a terminal. The method comprises the steps of obtaining commodity information and a first repayment plan carried by a calculation instruction, wherein the commodity information comprises a commodity identifier, and the first repayment plan at least comprises any one or more of the following items: a set down-payment ratio, a set period number and a set interest rate; according to the first repayment plan, performing statistics on first attribute data after historical check computation of a target loan commodity corresponding tothe commodity identifier, and according to the first attribute data, performing analysis to obtain a first target parameter; calculating out a calculation result by utilizing the first target parameter, wherein the calculation result comprises a second repayment plan; and outputting the calculation result. By adopting the method, the reference of the calculation result obtained in a calculation stage can be improved.
Owner:SHENZHEN MAIMAITI INFORMATION TECH CO LTD
Real estate appreciation contract
ActiveUS8219471B2High, long-term capital gain returnsFinancePayment architectureComputer scienceApartment
Owner:NEXTGENA
Customized product order flow processing method and system
InactiveCN104680310AEfficient Tracking and AnalysisLittle artificial dependencePayment architectureBuying/selling/leasing transactionsProduct orderMultiple delivery
The invention provides a customized product order flow processing method and system. The customized product order flow processing method comprises the following steps: (1) registering customized product information, wherein the registered information includes a product number, a product attribute, a product payment count and a product down payment sum; (2) receiving customer order information to generate an order number and triggering a first payment operation according to the order number; (3) receiving an order contract concerted by a client and a supplier to obtain a customized product total price and submitting customized product total price information; (4) triggering a second payment operation according to the order number and the customized product total price information; (5) after judging the payment at the registered product payment count is finished, informing a financial system to carry out a posting operation. The customized product order flow processing method and system provided by the invention realize the purpose of finishing the whole flow through one product number and one order; multiple delivery instructions are generated in the whole flow through system triggering; the whole order flow is in series connection in a systematized manner, so that the manual dependency is reduced and the working efficiency is remarkably promoted.
Owner:SHANGHAI DONGFANG CJ BUSINESS
Real estate transaction anti-risk financing method and corresponding network system
InactiveCN104463604AAvoid single-handed development of real estateFinanceCommerceNetworked systemComputer science
The invention relates to a real estate transaction anti-risk financing method and a corresponding network system. According to the technical scheme, due to the function that house-purchase funds are conditionally appreciated step by step and the monitoring and management function, two risks in real estate transaction particularly for firsthand developed premises are avoided; on one hand, house price is too high, many persons face the problem that down payment is not sufficient, and if all house funds are paid in a financing mode, house purchasers violate a treaty and the bad financing risk forms; on the other hand, when real estate is in a downward period, the house price is lowered and even the amount of lowered price is larger than the amount of down payment money, consequently, part of house purchasers violate a treaty and the bad financing risk forms.
Owner:王升
Network marketing and payment-breakdown method
InactiveUS20070265936A1Fast and convenient networkQuick recommendationFinanceCommercePersonalizationPersonalized learning
A network marketing and payment-breakdown method is proposed to allow website marketers to build a personalized learning platform or a commodity marketing platform, the method being implemented by configuring a network marketing platform that allows a plurality of marketing users to register and become website marketers for selling products or services through websites; allowing the plurality of website marketers to register with the network marketing platform to establish their own exclusive personalized marketing websites, so as to place commodities to be sold on self-marketing personalized websites; interconnecting the self-marketing personalized websites for cross-marketing with one another for selling commodities via a network connection function; and breaking down payments for sold commodities or rendered services to relevant website marketers according to the sources for the commodities or services after transactions are completed by payments.
Owner:AUROTEK CORP
Mortgage Program
A mortgage plan enabling a customer to enter into a rent-to-own contract with a third-party holding company, in order to enable the customer to purchase an asset such as a home, auto, boat, etc. In lieu of earnest money, the customer may sign a promissory note equal to a predetermined percentage of the purchase price of the home, or a predetermined fixed amount, whichever is greater, for the benefit of the holding company and a loan guarantor. The holding company may contract with a builder to construct the home. A lender may finance the holding company's home purchase with a commercial loan, guaranteed by the loan guarantor. After closing, the customer may move into the home as a renter. A predetermined number of periodic rental payments are made by the customer / renter; from these payments, the guarantor's fee is paid, and the remainder is escrowed. The escrowed funds may then be used as the customer's down payment to purchase the home from the holding company, financed by the lender with a mortgage solely in the customer's name.
Owner:BOLGER MARIBETH
Method for buying/selling pet by using customized pet selective mating and server for executing same
InactiveCN108885901ASave on transaction feesRealize customizationHealthcare managementPre-payment schemesBiotechnologyEngineering
Owner:陈定植
Method for buying/selling pet by using customized pet selective mating and server for executing same
InactiveUS20190147517A1Problem can be addressedLower purchase costPre-payment schemesBuying/selling/leasing transactionsRelationship - FatherComputer terminal
According to one embodiment of the present invention, a pet buying / selling method executed by a pet buying / selling server comprises the steps of: providing a customized pet down payment down payment request message to a customized pet purchaser terminal when customized pet purchasing requisition information including a mother pet and a father pet is received from the customized pet purchaser terminal; providing the customized pet purchasing requisition information to a corresponding customized pet producer terminal so as to request mating of the mother pet and the father pet when customized pet down payment down payment information is received from the customized pet purchaser terminal; receiving information according to the mating of the mother pet and the father pet from the customized pet producer terminal so as to provide the received information to the customized pet purchaser terminal; providing, to the customized pet purchaser terminal and a customized sibling pet purchaser terminal, information on customized sibling pets born according to the mating of the mother pet and the father pet from the customized pet producer terminal; and processing buying / selling when customized sibling pet final selection information is received from the customized pet purchaser terminal or customized sibling pet purchasing requisition information is received from the customized sibling pet purchaser terminal.
Owner:JIN JEONG SIK
Using a transaction card account to make recurring loan payments
A system, method, and computer program product are used to make recurring loan payments (e.g., mortgage payments) through a transaction card account. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requestor. If no, a transaction card account is opened for the requester and associated with the loan. If yes, the loan payment is associated with the transaction card account bill. Periodic debits to the transaction card account are automatically made that correspond to a recurring loan payment amount for the loan.
Owner:LIBERTY PEAK VENTURES LLC
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