Methods, apparatus and articles-of-manufacture for marketing mortgage and/or credit services over the web
1 Assignment
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Accused Products
Abstract
Preferred embodiments of the present invention comprise a system and method for providing mortgage and/or credit services over the Internet. In one embodiment, a preferred method comprises: (a) selectively providing information concerning a plurality of mortgage and/or credit programs to an Internet-connected user; (b) receiving an indication of whether the user wishes to explore home financing options or home equity loan options; (c) receiving an indication of whether the user maintains an asset and/or brokerage account with a sponsor of the mortgage and/or credit services; (d) receiving an indication of the user'"'"'s residence; (e) receiving information concerning a property to be financed, (f) receiving information concerning the user'"'"'s investments; (g) processing the received information to determine mortgage and/or credit options that correspond to the user'"'"'s needs; and (h) presenting those mortgage and/or credit options to the user via the Internet.
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Citations
69 Claims
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1-41. -41. (canceled)
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42. A method for providing mortgage and/or credit services over the Internet, comprising:
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selectively providing information concerning a plurality of mortgage and/or credit programs to an Internet-connected user;
receiving, from said Internet-connected user, an indication of whether said user wishes to explore home financing options or home equity loan options;
receiving, from said Internet-connected user, an indication of whether or not said user maintains an asset and/or brokerage account with a sponsor of said mortgage and/or credit services;
receiving, from said Internet-connected user, an indication of said user'"'"'s residence;
receiving, from said Internet-connected user, information concerning a property to be financed, said information including at least location, expected holding period, and use of said property;
receiving, from said Internet-connected user, information concerning said user'"'"'s investments;
processing said received indications and information to determine mortgage and/or credit option(s) that correspond to said user'"'"'s needs; and
presenting said mortgage and/or credit option(s) to said user via the Internet. - View Dependent Claims (43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55)
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56. A computer-based system for providing mortgage and/or credit services over the Internet, comprising:
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http-responsive means for selectively providing information concerning a plurality of mortgage and/or credit programs to an Internet-connected user;
http-responsive means for receiving, from said Internet-connected user, an indication of whether said user wishes to explore home financing options or home equity loan options;
http-responsive means for receiving, from said Internet-connected user, an indication of whether or not said user is an employee of the sponsor of said mortgage and/or credit services;
http-responsive means for receiving, from said Internet-connected user, an indication of said user'"'"'s residence;
http-responsive means for receiving, from said Internet-connected user, information concerning a property to be financed;
http-responsive means for receiving, from said Internet-connected user, information concerning said user'"'"'s investments;
means for processing said received indications and information to determine at least three mortgage and/or credit options that best match said user'"'"'s needs; and
,http-responsive means for presenting said mortgage and/or credit options to said. user via the Internet. - View Dependent Claims (57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68)
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69. A method for providing mortgage and/or credit services via a computer network, comprising:
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selectively providing information concerning a plurality of mortgage and/or credit programs via the network to a network-connected user;
receiving, via the network from said network-connected user, an indication of whether said user wishes to explore home financing options or home equity loan options;
receiving, via the network from said network-connected user, an indication of whether or not said user maintains an asset and/or brokerage account with a sponsor of said mortgage and/or credit services;
receiving, via the network from said network-connected user, an indication of said user'"'"'s residence;
receiving, via the network from said network-connected user, information concerning a property to be financed, said information including at least location, expected holding period, and use of said property;
receiving, via the network from said network-connected user, information concerning said user'"'"'s investments;
processing on a computer said received indications and information to determine mortgage and/or credit option(s) that correspond to said user'"'"'s needs; and
presenting said mortgage and/or credit option(s) to said user via the network.
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Specification