Sesterhenn
Michael Sesterhenn, Chicago, IL US
Patent application number | Description | Published |
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20100099482 | Gaming System Having Dynamically Translucent Symbol Backgrounds - A gaming system comprises a wager input device and a display for displaying a wallpaper, a plurality of symbols, and a plurality of symbol backgrounds. The symbols overly the symbol backgrounds, and the symbol backgrounds overly the wallpaper. The plurality of symbols represent a randomly selected outcome of a wagering game. The system further comprises a controller operative to increase a translucence of at least one of the symbol backgrounds to increase visibility of the wallpaper in response to a triggering event. | 04-22-2010 |
Peter A. Sesterhenn, Libertyville, IL US
Patent application number | Description | Published |
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20110022541 | Methods and Systems for Proactive Loan Modification - Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value. | 01-27-2011 |
Peter Allen Sesterhenn, Libertyville, IL US
Patent application number | Description | Published |
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20130166437 | METHODS AND SYSTEMS FOR PROACTIVE LOAN MODIFICATION - Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value. | 06-27-2013 |