INTERNET PORTAL FOR MORTGAGEE/RENTER PASS-THROUGH SUBSCRIPTION

• US 20110106658A1
• Filed: 10/30/2009
• Published: 05/05/2011
• Est. Priority Date: 10/30/2009
• Status: Abandoned Application

• Current Assignee: ENM Holdings LLC
• Original Assignee: ENM Holdings LLC
• Inventors: Britt, Barry
• Application Number:
  US12/609,161
• Publication Number:
  US 20110106658A1
• Time in Patent Office: Days
• US Class Current: 705/26.25
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0607 Regulated
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

An internet portal for connecting prospective renters and property owners/managers provides features for further managing an on-going relationship between renters, property owners/managers and other parties such as mortagees. An agreement may be entered into via the portal that arranges rent on a property to be paid in a pass-through arrangement directly to the mortgagee, avoiding potential foreclosures of which a renter might be otherwise unaware. A rating system is provided by which performance of renters and the performance of the property owners/managers may be evaluated during the relationship and used to inform others as historical and comparative data.

Claims

1. A computer-performed method for managing a relationship between a renter and at least one other party, the method comprising:

listing a property for rent by an owner of a property or the owner'"'"'s agent in a display of a computer system;

receiving a first user input from a prospective renter selecting a property;

receiving a second user input from the prospective renter indicating an agreement to rent the property;

transmitting a notification to the owner of the property or the owner'"'"'s agent that the prospective renter has agreed to rent the property;

receiving a third user input from the owner of the property or the owner'"'"'s agent that the prospective renter is authorized to direct rents on the property to a mortagee of the property; and

storing an indication of an agreement between the prospective renter and the owner of the property resulting from the receiving the second user input and the receiving the third user input in a storage of the computer system.

2. The computer-performed method of claim 1, wherein the third user input is received subsequent to the notifying, wherein the owner or the owner'"'"'s agent is required to respond in order to authorize the prospective renter to direct rents on the property to the mortgagee.

3. The computer-performed method of claim 1, wherein the third user input is received prior to the notifying, wherein the owner or the owner'"'"'s agent has previously authorized any prospective renter to direct rents on the property to the mortgagee.

4. The computer-performed method of claim 1, further comprising:

collecting survey information about the performance of the prospective renter from the owner or the owner'"'"'s agent; and

displaying results of the survey information to another property owner or agent, whereby a rating of the performance of the prospective renter is obtained by the another property owner or agent.

5. The computer-performed method of claim 1, further comprising:

collecting survey information about the performance of the owner or the owner'"'"'s agent from a previous renter; and

displaying results of the survey information to the prospective renter, whereby a rating of the performance of the owner or owner'"'"'s agent is obtained by the prospective renter.

6. The computer-performed method of claim 1, further comprising transmitting a notification to the mortgagee that the prospective renter will be directly paying mortgage payments to the mortgagee.

7. The computer-performed method of claim 1, wherein the prospective renter directs rents to the mortgagee by paying a service provider, wherein the service provider pays the mortgagee and pays the owner or owner'"'"'s agent any excess upon receipt of the rents from the prospective renter.

8. A networked computer system comprising a processor for executing program instructions and a memory for storing the program instructions, wherein the program instructions are program instructions for implementing a network portal for managing a relationship between a renter and at least one other party, the program instructions comprising program instructions for:

listing a property for rent by an owner of a property or the owner'"'"'s agent in a display coupled to the networked computer system;

receiving a first user input from a prospective renter selecting a property;

receiving a second user input from the prospective renter indicating an agreement to rent the property;

transmitting a notification to the owner of the property or the owner'"'"'s agent that the prospective renter has agreed to rent the property;

receiving a third user input from the owner of the property or the owner'"'"'s agent that the prospective renter is authorized to direct rents on the property to a mortagee of the property; and

storing an indication of an agreement between the prospective renter and the owner of the property resulting from the receiving the second user input and the receiving the third user input in a storage of the networked computer system.

9. The networked computer system of claim 8, wherein the program instructions for receiving third user input receive the third user input subsequent to executing the program instructions for notifying, wherein the owner or the owner'"'"'s agent is required to respond in order to authorize the prospective renter to direct rents on the property to the mortgagee.

10. The networked computer system of claim 8, wherein the program instructions for receiving the third user input receive the third user input prior to executing the program instructions for notifying, wherein the owner or the owner'"'"'s agent has previously authorized any prospective renter to direct rents on the property to the mortgagee.

11. The networked computer system of claim 8, wherein the program instructions further comprise program instructions for:

collecting survey information about the performance of the prospective renter from the owner or the owner'"'"'s agent; and

displaying results of the survey information to another property owner or agent, whereby a rating of the performance of the prospective renter is obtained by the another property owner or agent.

12. The networked computer system of claim 8, wherein the program instructions further comprise program instructions for:

collecting survey information about the performance of the owner or the owner'"'"'s agent from a previous renter; and

displaying results of the survey information to the prospective renter, whereby a rating of the performance of the owner or owner'"'"'s agent is obtained by the prospective renter.

13. The networked computer system of claim 8, wherein the program instructions further comprise program instructions for transmitting a notification to the mortgagee that the prospective renter will be directly paying mortgage payments to the mortgagee.

14. The networked computer system of claim 8, further comprising program instructions for managing payment of rents from the prospective renter to a service provider, wherein the service provider pays the mortgagee and pays the owner or owner'"'"'s agent any excess upon receipt of the rents from the prospective renter.

15. A computer-program product comprising program instructions for execution by a networked computer system, wherein the program instructions are program instructions for implementing a network portal for managing a relationship between a renter and at least one other party, the program instructions comprising program instructions for:

listing a property for rent by an owner of a property or the owner'"'"'s agent in a display coupled to the networked computer system;

receiving a first user input from a prospective renter selecting a property;

receiving a second user input from the prospective renter indicating an agreement to rent the property;

transmitting a notification to the owner of the property or the owner'"'"'s agent that the prospective renter has agreed to rent the property;

receiving a third user input from the owner of the property or the owner'"'"'s agent that the prospective renter is authorized to direct rents on the property to a mortagee of the property; and

storing an indication of an agreement between the prospective renter and the owner of the property resulting from the receiving the second user input and the receiving the third user input in a storage of the networked computer system.

16. The computer program product of claim 15, wherein the program instructions for receiving third user input receive the third user input subsequent to executing the program instructions for notifying, wherein the owner or the owner'"'"'s agent is required to respond in order to authorize the prospective renter to direct rents on the property to the mortgagee.

17. The computer program product of claim 15, wherein the program instructions for receiving the third user input receive the third user input prior to executing the program instructions for notifying, wherein the owner or the owner'"'"'s agent has previously authorized any prospective renter to direct rents on the property to the mortgagee.

18. The computer program product of claim 15, wherein the program instructions further comprise program instructions for:

collecting survey information about the performance of the prospective renter from the owner or the owner'"'"'s agent; and

displaying results of the survey information to another property owner or agent, whereby a rating of the performance of the prospective renter is obtained by the another property owner or agent.

19. The computer program product of claim 15, wherein the program instructions further comprise program instructions for:

collecting survey information about the performance of the owner or the owner'"'"'s agent from a previous renter; and

displaying results of the survey information to the prospective renter, whereby a rating of the performance of the owner or owner'"'"'s agent is obtained by the prospective renter.

20. The computer program product of claim 15, wherein the program instructions further comprise program instructions for transmitting a notification to the mortgagee that the prospective renter will be directly paying mortgage payments to the mortgagee.

21. The computer program product of claim 15, further comprising program instructions for managing payment of rents from the prospective renter to a service provider, wherein the service provider pays the mortgagee and pays the owner or owner'"'"'s agent any excess upon receipt of the rents from the prospective renter.

22. A computer-performed method for managing a relationship between a renter and at least one other party, the method comprising:

listing a property for rent by an owner of a property or the owner'"'"'s agent in a display of a computer system;

receiving a first user input from a prospective renter selecting a property;

receiving a second user input from the prospective renter indicating an agreement to rent the property;

transmitting a notification to the owner of the property or the owner'"'"'s agent that the prospective renter has agreed to rent the property;

storing an indication of an agreement between the prospective renter and the owner of the property resulting from the receiving the second user input in a storage of the computer system;

collecting survey information about the performance of at least one of the renter, the owner or the owner'"'"'s agent; and

displaying results of the survey information to another party, whereby a rating of the performance is obtained by the another party.

23. The computer-performed method of claim 22, wherein the collecting survey information collects survey information about the performance of the renter, and wherein the displaying displays the results of the survey information to another property owner or agent.

24. The computer-performed method of claim 22, wherein the collecting survey information collects survey information about the performance of the owner or owner'"'"'s agent, and wherein the displaying displays the results of the survey information to another prospective renter.

25. A networked computer system comprising a processor for executing program instructions and a memory for storing the program instructions, wherein the program instructions are program instructions for implementing a network portal for managing a relationship between a renter and at least one other party, the program instructions comprising program instructions for:

listing a property for rent by an owner of a property or the owner'"'"'s agent in a display coupled to the networked computer system;

receiving a first user input from a prospective renter selecting a property;

receiving a second user input from the prospective renter indicating an agreement to rent the property;

transmitting a notification to the owner of the property or the owner'"'"'s agent that the prospective renter has agreed to rent the property;

storing an indication of an agreement between the prospective renter and the owner of the property resulting from the receiving the second user input in a storage of the networked computer system;

collecting survey information about the performance of at least one of the renter, the owner or the owner'"'"'s agent; and

displaying results of the survey information to another party, whereby a rating of the performance is obtained by the another party.

26. The networked computer system of claim 25, wherein the program instructions for collecting survey information collect survey information about the performance of the renter, and wherein the program instructions for displaying display the results of the survey information to another property owner or agent.

27. The networked computer system of claim 25, wherein the program instructions for collecting survey information collect survey information about the performance of the owner or owner'"'"'s agent, and wherein the program instructions for displaying display the results of the survey information to another prospective renter.

28. A computer program product comprising program instructions for execution in a networked computer system, wherein the program instructions are server program instructions for implementing a network portal for managing a relationship between a renter and at least one other party, the program instructions comprising program instructions for:

listing a property for rent by an owner of a property or the owner'"'"'s agent in a display coupled to the networked computer system;

receiving a first user input from a prospective renter selecting a property;

receiving a second user input from the prospective renter indicating an agreement to rent the property;

transmitting a notification to the owner of the property or the owner'"'"'s agent that the prospective renter has agreed to rent the property;

storing an indication of an agreement between the prospective renter and the owner of the property resulting from the receiving the second user input in a storage of the networked computer system;

collecting survey information about the performance of at least one of the renter, the owner or the owner'"'"'s agent; and

displaying results of the survey information to another party, whereby a rating of the performance is obtained by the another party.

29. The computer program product of claim 28, wherein the program instructions for collecting survey information collect survey information about the performance of the renter, and wherein the program instructions for displaying display the results of the survey information to another property owner or agent.

30. The computer program product of claim 28, wherein the program instructions for collecting survey information collect survey information about the performance of the owner or owner'"'"'s agent, and wherein the program instructions for displaying display the results of the survey information to another prospective renter.