Method, system, and computer program product for real property metric monitoring
First Claim
1. A monitoring service, comprising:
- (a) aggregating a mortgage metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners retaining homeowner-related services from a plurality of different sources;
(b) monitoring a set of one or metric-modification triggering events and flagging one of said metric records that satisfy any criterion associated with any potential metric-modification triggering event as a potential metric report record, wherein a criterion relates to homeowner-related service; and
(c) notifying a homeowner associated with said potential metric record that said homeowner may have an option to modify a homeowner-related service.
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Accused Products
Abstract
Disclosed is a monitoring service that includes the steps of aggregating a mortgage insurance payer record for each of a plurality of mortgagors into a set of mortgage insurance payment records, wherein said plurality of mortgagors include mortgagors paying a plurality of different mortgage insurers; monitoring a set of one or more potential mortgage insurance removal triggering events and flagging one of said mortgage insurance payer records that satisfy any criterion associated with any potential mortgage insurance removal triggering event as a potential mortgage insurance removal record, wherein a criterion relates to property asset appreciation; and notifying a mortgagor associated with said potential mortgage insurance removal record that said mortgagor may have an option to remove said mortgage insurance component. A preferred embodiment includes a message box in an electronically accessible format (e.g., on a client webpage), a content of the messagebox dynamically assembled into a content of the webpage, the messagebox providing communication to a client from a product or service provider having access to selected information available through the system (such as that available on the notice, for example).
167 Citations
35 Claims
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1. A monitoring service, comprising:
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(a) aggregating a mortgage metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners retaining homeowner-related services from a plurality of different sources;
(b) monitoring a set of one or metric-modification triggering events and flagging one of said metric records that satisfy any criterion associated with any potential metric-modification triggering event as a potential metric report record, wherein a criterion relates to homeowner-related service; and
(c) notifying a homeowner associated with said potential metric record that said homeowner may have an option to modify a homeowner-related service. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A monitoring service, comprising:
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means for aggregating a metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners paying a plurality of different home-related service providers;
means for monitoring a set of one or more potential metric-modification triggering events and flagging one of said metric-modification records that satisfy any criterion associated with any potential metric-modification triggering event as a potential metric-modification record, wherein a criterion relates to real property; and
means for notifying a homeowner associated with said potential metric-modification record that said homeowner may have an option to modify a homeowner-related service in a beneficial way.
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19. A computer program product comprising a computer readable medium carrying program means for carrying out a monitoring service, the computer program product comprising:
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code means for aggregating a metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners paying a plurality of different home-related service providers;
code means for monitoring a set of one or more potential metric-modification triggering events and flagging one of said metric-modification records that satisfy any criterion associated with any potential metric-modification triggering event as a potential metric-modification record, wherein a criterion relates to real property; and
code means for notifying a homeowner associated with said potential metric-modification record that said homeowner may have an option to modify a homeowner-related service in a beneficial way.
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20. An apparatus, comprising:
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a datastorage system for aggregating a metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners paying a plurality of different home-related service providers;
a computing system for monitoring a set of one or more potential metric-modification triggering events and flagging one of said metric-modification records that satisfy any criterion associated with any potential metric-modification triggering event as a potential metric-modification record, wherein a criterion relates to real property; and
a communications system for notifying a homeowner associated with said potential metric-modification record that said homeowner may have an option to modify a homeowner-related service in a beneficial way.
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21. A monitoring method, the method comprising:
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(a) aggregating a metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners paying a plurality of different home-related service providers;
(b) monitoring a set of one or more potential metric-modification triggering events and flagging one of said metric-modification records that satisfy any criterion associated with any potential metric-modification triggering event as a potential metric-modification record, wherein a criterion relates to real property; and
(c) notifying a homeowner associated with said potential metric-modification record that said homeowner may have an option to modify a homeowner-related service in a way beneficial to said homeowner. - View Dependent Claims (22, 23, 24, 25, 26)
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27. A computer program product comprising a computer readable medium carrying program instructions for monitoring real property metrics when executed using a computing system, the executed program instructions executing a method, the method comprising:
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(a) aggregating a metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners paying a plurality of different home-related service providers;
(b) monitoring a set of one or more potential metric-modification triggering events and flagging one of said metric-modification records that satisfy any criterion associated with any potential metric-modification triggering event as a potential metric-modification record, wherein a criterion relates to real property; and
(c) notifying a homeowner associated with said potential metric-modification record that said homeowner may have an option to modify a homeowner-related service in a way beneficial to said homeowner. - View Dependent Claims (28, 29, 30, 31, 32)
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33. A contacting method, the method comprising:
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(a) aggregating a metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners paying a plurality of different home-related providers for one or more home-related goods or services;
(b) providing each homeowner of said plurality of homeowners with a report regarding said one or more home-related goods or services; and
(c) integrating a messagebox into each said report, with a content of said messagebox provided by a particular one provider.
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34. A computer program product comprising a computer readable medium carrying program instructions for monitoring real property metrics when executed using a computing system, the executed program instructions executing a method, the method comprising:
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(a) aggregating a metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners paying a plurality of different home-related providers for one or more home-related goods or services;
(b) providing each homeowner of said plurality of homeowners with a report regarding said one or more home-related goods or services; and
.(c) integrating a messagebox into each said report, with a content of said messagebox provided by a particular one provider.
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35. A contacting apparatus, comprising:
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means for aggregating a metric record for each of a plurality of homeowners into a set of metric records, wherein said plurality of homeowners include homeowners paying a plurality of different home-related providers for one or more home-related goods or services;
means for providing each homeowner of said plurality of homeowners with a report regarding said one or more home-related goods or services; and
means for integrating a messagebox into each said report, with a content of said messagebox provided by a particular one provider.
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Specification