Patent application number | Description | Published |
20100223180 | METHODS, SYSTEMS AND AGREEMENTS FOR INCREASING THE LIKELIHOOD OF REPAYMENTS UNDER A FINANCING AGREEMENT FOR RENEWABLE ENERGY EQUIPMENT - A system is provided for increasing the probability of timely receiving payment under an agreement between a consumer and a non-utility entity for providing financing for renewable energy consumer premises equipment (CPE) by the consumer for power generation at a consumer premises, the renewable energy CPE adapted to deliver power onto a power grid or to the consumer's premises, the system comprising: a computer for monitoring consumer financial information for by the non-utility entity to detect the consumer's financing default in accordance with the agreement, wherein the renewable energy CPE including a PV array and a control device coupled to the PV array for controlling the operation of the PV array and any power generated by the CPE upon a default detected by the computer. | 09-02-2010 |
20110320341 | METHODS AND SYSTEMS FOR IMPROVING TIMELY LOAN REPAYMENT BY CONTROLLING ONLINE ACCOUNTS, NOTIFYING SOCIAL CONTACTS, USING LOAN REPAYMENT COACHES, OR EMPLOYING SOCIAL GRAPHS - A system and method is disclosed to increase the likelihood of timely repayment of a loan by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer. Taking control may include notifying social contacts. Securing the loan by taking various security interests are disclosed, as are technical countermeasures against the borrower re-obtaining access or re-taking control. Also providing loans, receiving loan applications, providing loans proceeds, processing payments and underwriting criteria are disclosed. Underwriting employing social contacts for recommendations, loan guarantees, social contact credit scores, public repayment promises, loan repayment coaches, fraud criteria, crowd sourced risk evaluation, social graphs, borrower stability factors derived from social graphs, data associated with online information repositories, and efficacy of notification are disclosed. | 12-29-2011 |
20110320342 | METHODS AND SYSTEMS FOR IMPROVING TIMELY LOAN REPAYMENT BY CONTROLLING ONLINE ACCOUNTS, NOTIFYING SOCIAL CONTACTS, USING LOAN REPAYMENT COACHES, OR EMPLOYING SOCIAL GRAPHS - A system and method is disclosed to increase the likelihood of timely repayment of a loan by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer. Taking control may include notifying social contacts. Securing the loan by taking various security interests are disclosed, as are technical countermeasures against the borrower re-obtaining access or re-taking control. Also providing loans, receiving loan applications, providing loans proceeds, processing payments and underwriting criteria are disclosed. Underwriting employing social contacts for recommendations, loan guarantees, social contact credit scores, public repayment promises, loan repayment coaches, fraud criteria, crowd sourced risk evaluation, social graphs, borrower stability factors derived from social graphs, data associated with online information repositories, and efficacy of notification are disclosed. | 12-29-2011 |
20120191596 | EVALUATING, MONITORING, AND CONTROLLING FINANCIAL RISKS USING STABILITY SCORING OF INFORMATION RECEIVED FROM SOCIAL NETWORKS AND OTHER QUALIFIED ACCOUNTS - A computer-implemented method for managing the financial risk in a risk-taking scenario associated with a subject of risk-taking. The method includes receiving authorization to access at least one qualified account of a subject of risk-taking; receiving data from the qualified accounts of the subject of risk-taking; determining a stability score based on the received data, the stability score being an estimate of the financial risk in the risk-taking scenario; and performing an action through the qualified account based on the stability score. | 07-26-2012 |
20130006844 | SYSTEMS AND METHODS FOR COLLATERALIZING LOANS - Systems and methods are disclosed for collateralizing loans. Some embodiments increase the likelihood of repayment by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer component. Taking control may include notifying social contacts. Securing the loan by taking various security interests and technical countermeasures against the borrower re-obtaining access or re-taking control are disclosed. Providing loans, receiving loan applications, providing loans proceeds, processing payments, and underwriting criteria are disclosed. Underwriting employing social contacts for recommendations, loan guarantees, social contact credit scores, public repayment promises, loan repayment coaches, fraud criteria, crowdsourced risk evaluation, social graphs, borrower stability factors derived from social graphs, data associated with online information repositories, and efficacy of notification are disclosed. | 01-03-2013 |
20130006845 | SYSTEMS AND METHODS FOR UNDERWRITING LOANS - Systems and methods are disclosed for underwriting loans. Some embodiments increase the likelihood of repayment by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer component. Taking control may include notifying social contacts. Securing the loan by taking various security interests and technical countermeasures against the borrower re-obtaining access or re-taking control are disclosed. Providing loans, receiving loan applications, providing loans proceeds, processing payments, and underwriting criteria are disclosed. Underwriting employing social contacts for recommendations, loan guarantees, social contact credit scores, public repayment promises, loan repayment coaches, fraud criteria, crowdsourced risk evaluation, social graphs, borrower stability factors derived from social graphs, data associated with online information repositories, and efficacy of notification are disclosed. | 01-03-2013 |
20130013489 | METHODS AND APPARATUS FOR VERIFYING EMPLOYMENT VIA ONLINE DATA - A computer-implemented method for verifying employment of a first user with a computer system programmed to perform the method includes receiving a first name for a user-represented employer via a user-application, receiving a first plurality of social network data associated with the first user from a first social network server, wherein the first plurality of social network data includes a second name associated with an user-represented employer via a user-profile on the first social network, determining a relationship between the employer associated with the first name and the employer associated with the second name, in response to the first name and to the second name, determining an employment verification indicator in response to the relationship between the employer associated with the first name to the employer associated to the second name and outputting with the computer system, the employment verification indicator. | 01-10-2013 |
20130226763 | METHOD AND SYSTEM FOR GROUPING AND MARKETING CONSUMER PREMISES EQUIPMENT LOANS - The techniques introduced here provide a variety of systems and methods enabling grouping and marketing of loans for renewable energy consumer premises equipment (CPE). The techniques introduced here include, among other things, using a computer system to group loans granted to a plurality of consumers for financing CPE into one or more financial instruments. Each loan can be secured against one or more of a power proxy, real property, or a specific CPE. The techniques further include grouping, by the computer, the one or more financial instruments into a multi-class security and securing the multi-class security against payment streams for the loans. The multi-class security can be divided by the computer into a plurality of tranches. Further, the techniques introduced here, include selling an ownership interest in the multi-class security to investors via an electronic exchange. | 08-29-2013 |
20130339220 | METHOD, SYSTEM, AND APPARATUS FOR VERIFYING EMPLOYMENT VIA A PLURALITY OF DATA SOURCES - A computer-implemented method for verifying employment of a first user with a computer system programmed to perform the method includes receiving a first name for a user-represented employer via a user-application, receiving a first plurality of social network data associated with the first user from a first social network server, wherein the first plurality of social network data includes a second name associated with an user-represented employer via a user-profile on the first social network, determining a relationship between the employer associated with the first name and the employer associated with the second name, in response to the first name and to the second name, determining an employment verification indicator in response to the relationship between the employer associated with the first name to the employer associated to the second name and outputting with the computer system, the employment verification indicator. | 12-19-2013 |