Office management solution
First Claim
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1. A business practice management system, comprising:
- a hub-and-spoke web-based client/server architecture including a plurality of remote client terminals each including a resident non-transitory computer-readable storage medium, one client terminal for each primary participant in a default mortgage case including at least an Investor, Loan Insurer, Mortgage Lender, Loan Servicer, Loan Service Counselor, Vendor, Foreclosure Attorney, Title Company, and Business Process Outsourcing (BPO) Vendor, Realtor, and Property Inspection Company, and a web server in direct communication with all of said client terminals through an Internet backbone;
a Uniform Resource Locator (URL) web portal assigned to each of said participants, said web portal including links to a plurality of index-tabbed webpages each including content for guiding the respective participants through all of the default loan resolution steps of collection, loss mitigation, foreclosure, eviction, bankruptcy, claims, Real Estate Owned (REO) acquisition and maintenance, and REO disposition;
a central database of information stored on a non-transitory computer-readable storage medium resident on said web server and storing case-specific loan records including personal and financial information or mortgagors;
a local database stored on said non-transitory computer-readable storage medium resident on each of said remote client terminals and containing a mirrored subset of said central database of information resident on said web server; and
a modular array of web-based software stored on non-transitory computer-readable storage medium resident on said web server for data exchange with the various participants and the various third party applications used by those participants that facilitates dialogue, guides and educates the participants, tracks activity, and provides information necessary for a speedier resolution, said modular array of software further comprising at least the following software modules,a communication software module comprising computer instructions for controlling data communication between said web server and any one of said remote client terminals and directly between any plurality of said remote client terminals, and for storing and synchronizing said mirrored local copy of said central database of information on each of said remote client terminals, and,a system administration software module in communication with said communication software module comprising computer instructions for maintaining a record of user permissions, and for selectively enabling said communication software module to communicate data along said hub-and-spoke web-based client/server architecture such that data communication may selectively occur in accordance with said record of user permissions directly between two of said remote client terminals, but synchronization of said mirrored local copy of said central database of information to each of said remote client terminals is through said web server as follows,write mirrored data from a local database on a remote client terminal to the central database resident on said web server in accordance with said record of user permissions, andread mirrored data from the central database resident on said web server to a local database on a remote client terminal in accordance with said record of user permission anda Task Tracking Module comprising computer instructions for tracking each said data communication between said remote client terminals, and for tracking each said synchronization of said mirrored local copy of said central database of information to each of said remote client terminals through said web server, said Task Tracking Module also tracking activity by the respective participants through all of the default loan resolution steps of collection, loss mitigation, foreclosure, eviction, bankruptcy, claims, Real Estate Owned (REO) acquisition and maintenance, and REO disposition.
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Abstract
A software method and utility for business practice management based on a prescribed workflow with defined interactions between the users of the system, the clients of the business practice, and information relating to the clients or assets of the business practice. The system facilitates management of assets and human resources, including employees, client accounts, inventory, and records using a modular approach.
32 Citations
17 Claims
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1. A business practice management system, comprising:
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a hub-and-spoke web-based client/server architecture including a plurality of remote client terminals each including a resident non-transitory computer-readable storage medium, one client terminal for each primary participant in a default mortgage case including at least an Investor, Loan Insurer, Mortgage Lender, Loan Servicer, Loan Service Counselor, Vendor, Foreclosure Attorney, Title Company, and Business Process Outsourcing (BPO) Vendor, Realtor, and Property Inspection Company, and a web server in direct communication with all of said client terminals through an Internet backbone; a Uniform Resource Locator (URL) web portal assigned to each of said participants, said web portal including links to a plurality of index-tabbed webpages each including content for guiding the respective participants through all of the default loan resolution steps of collection, loss mitigation, foreclosure, eviction, bankruptcy, claims, Real Estate Owned (REO) acquisition and maintenance, and REO disposition; a central database of information stored on a non-transitory computer-readable storage medium resident on said web server and storing case-specific loan records including personal and financial information or mortgagors; a local database stored on said non-transitory computer-readable storage medium resident on each of said remote client terminals and containing a mirrored subset of said central database of information resident on said web server; and a modular array of web-based software stored on non-transitory computer-readable storage medium resident on said web server for data exchange with the various participants and the various third party applications used by those participants that facilitates dialogue, guides and educates the participants, tracks activity, and provides information necessary for a speedier resolution, said modular array of software further comprising at least the following software modules, a communication software module comprising computer instructions for controlling data communication between said web server and any one of said remote client terminals and directly between any plurality of said remote client terminals, and for storing and synchronizing said mirrored local copy of said central database of information on each of said remote client terminals, and, a system administration software module in communication with said communication software module comprising computer instructions for maintaining a record of user permissions, and for selectively enabling said communication software module to communicate data along said hub-and-spoke web-based client/server architecture such that data communication may selectively occur in accordance with said record of user permissions directly between two of said remote client terminals, but synchronization of said mirrored local copy of said central database of information to each of said remote client terminals is through said web server as follows, write mirrored data from a local database on a remote client terminal to the central database resident on said web server in accordance with said record of user permissions, and read mirrored data from the central database resident on said web server to a local database on a remote client terminal in accordance with said record of user permission and a Task Tracking Module comprising computer instructions for tracking each said data communication between said remote client terminals, and for tracking each said synchronization of said mirrored local copy of said central database of information to each of said remote client terminals through said web server, said Task Tracking Module also tracking activity by the respective participants through all of the default loan resolution steps of collection, loss mitigation, foreclosure, eviction, bankruptcy, claims, Real Estate Owned (REO) acquisition and maintenance, and REO disposition. - View Dependent Claims (2, 3, 4, 5)
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6. A computer-implemented business practice management method for managing workflow and communications for participants in a default mortgage case, the method comprising the steps of:
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providing a hub-and-spoke web-based client/server architecture including a plurality of remote client terminals each including resident non-transitory computer-readable storage medium, one client terminal for each primary participant in a default mortgage case including at least an Investor, Loan Insurer, Mortgage Lender, Loan Servicer, Loan Service Counselor, Vendor, Foreclosure Attorney, Title Company, and Business Process Outsourcing (BPO) Vendor, Realtor, and Property Inspection Company, a web server in direct communication with all of said client terminals through an Internet backbone; providing a central database of information stored on non-transitory computer-readable storage medium resident on said web server and storing case-specific loan records including personal and financial information on mortgagors, and a local database stored on said non-transitory computer-readable storage medium resident on each of said remote client terminals and containing a mirrored subset of said central database of information resident on said web server; assigning a Uniform Resource Locator (URL) web portal to each of said participants, said web portal including links to a plurality of webpages each including content for guiding the respective participants through all of said default loan resolution steps of collection, loss mitigation, foreclosure, eviction, bankruptcy, claims, Real Estate Owned (REO) acquisition and maintenance, and REO disposition, and for displaying and updating said default mortgage case history and borrower information during each of said default loan resolution steps; and providing a modular array of web-based software stored on non-transitory computer-readable storage medium resident on said web server for data exchange with the various participants and the various third party applications used by those participants, said modular array of software further comprising at least a case management software module, a communication software module comprising computer instructions for controlling data communication between said web server and any one of said remote client terminals and directly between any plurality of said remote client terminals, a Task Tracking Module, and a system administration software module in communication with said communication software module and comprising computer instructions for maintaining a record of user permissions, and for selectively enabling said communication software module to communicate data along said hub-and-spoke web-based client/server architecture, and for storing and synchronizing said mirrored local copy of said central database of information on each of said remote client terminals such that data communication may selectively occur in accordance with said record of user permissions directly between two of said remote client terminals, but synchronization of said mirrored local copy of said central database of information to each of said remote client terminals is through said web server; one of said participants accessing case management software module in accordance with pre-assigned permissions, said case management software module guiding said participant through all of all of said default loan resolution steps to facilitate data entry of information necessary for a speedier resolution; communicating said data directly between remote client terminals by said communication software module selectively allowing said data communication in accordance with said record of user permissions; writing mirrored data from a local database on a remote client terminal to the central database resident on said web server by said communication software module selectively allowing said writing in accordance with said record of user permissions, and reading mirrored data from the central database resident on said web server to a local database on a remote client terminal by said communication software module and selectively allowing said reading of mirrored data in accordance with said record of user permissions; tracking each said data communication between said remote client terminals, and tracking each said synchronization of said mirrored local copy of said central database of information to each of said remote client terminals through said web server, using said software Task Tracking Module. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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Specification