US 2003/0144948 A1 · Methods and apparatus for electronic reporting of mortgage delinquency

Abstract

Techniques for managing mortgage delinquency information are described. A system for managing and reporting mortgage delinquency information according to an aspect of the present invention comprises a delinquency information database for receiving, storing and maintaining mortgage delinquency information entries, each mortgage delinquency information entry comprising information identifying and providing relevant details about a delinquent mortgage, and a delinquency information manager operative to retrieve delinquency information entries from the delinquency information database and store delinquency information entries in the delinquency information database, the delinquency information manager being accessible to a user computer through a publicly accessible network and presenting one of a selection of interfaces upon selection by the user to allow the user to transmit delinquency information from the user computer through the publicly accessible network, the interfaces including forms for creating new entries, modifying existing entries, and identification and uploading of a file containing delinquency information.

Claims19

Dependent claims

A system for managing and reporting mortgage delinquency information, comprising:

a delinquency information database for receiving, storing and maintaining mortgage delinquency information entries, each mortgage delinquency information entry comprising information identifying and providing relevant details about a delinquent mortgage;
and
a delinquency information manager operative to retrieve delinquency information entries from the delinquency information database and store delinquency information entries in the delinquency information database, the delinquency information manager being accessible to a user computer through a publicly accessible network, the delinquency information manager presenting one of a number of selectable interfaces upon selection by the user to allow the user to transmit delinquency information from the user computer through the publicly accessible network, the selection of interfaces including a form for creation and transmission of new delinquency information entries, a form for modification of previously submitted delinquency information entries and an interface for identification and uploading of a file containing delinquency information, the delinquency information manager being operative to format delinquency information and store it in the delinquency information database in the form of delinquency information entries after the delinquency information is received from the user computer.

A method of mortgage delinquency management, comprising the steps of:

establishing an account identifying a mortgage servicing entity;
establishing a connection with a user computer through a publicly accessible network;
upon presentation of authentication information associated with the account, allowing access by the user computer to an electronic data storage area and allowing retrieval from the electronic data storage area of previously stored entries identified with the account and storage in the electronic data storage area of new or updated entries identified with the account;
upon commands and selections received from a user through the user computer, presenting one or more interfaces to the user to allow creation, review, modification and storage of delinquency information entries, each delinquency information entry including delinquency information identifying and providing relevant details about a mortgage associated with the servicing entity, at least one interface allowing identification and upload of a file from the user computer;
and
upon receiving one or more delinquency information entries from the user computer and receiving a command to store the delinquency information entries, storing the delinquency information entries in the electronic data storage area.

3 more elements

Dependencies are inferred from the claim text.

Methods and apparatus for electronic reporting of mortgage delinquency

Life of this patent

Methods and apparatus for electronic reporting of mortgage delinquency

Life of this patent

Abstract

Claims19