WILLIAM SCOTT HARTEN
Pilots at 2000, Bountiful, UT

2001003, Nov 1, 2001

Mar 13, 2001

09/804942

David Broadbent - Salt Lake City UT, US
Redge Cook - Sandy UT, US
William Harten - Woods Cross UT, US

G06F017/60

705/038000, 705/039000, 705/035000

The automated system of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used to control and drive the process of handling a mortgage loan application to completion and settlement in accordance with these regulations. Loan requestors may specify that the system will generate the plurality of required tasks, including tasks required by applicable federal and/or state law, provide the plurality of required tasks to the requestor for his execution, and monitor the completion of all required tasks so as to provide a completion certificate to the requester. Moreover, users of the automated loan mortgage and compliance system can use their cell phones to interface with the system.

2001004, Nov 29, 2001

Mar 13, 2001

09/804943

David Broadbent - Salt Lake City UT, US
Redge Cook - Sandy UT, US
William Harten - Woods Cross UT, US
Craig Lake - West Jordan UT, US

G06F017/60

705/038000, 705/037000

The present invention provides a solution to the needs described above through a system and processe to be used in the mortgage industry for combining an Loan Application System with an automated Compliance Engine used for generating and monitoring a set of required procedures involved in moving and tracking a mortgage loan through one or more of the steps of ‘originate’, ‘approve’, ‘close’, ‘fund’, and ‘ship’. The automated compliance engine itself is a system and method for automatically generating a set of required tasks for use in managing the mortgage loan process, including tasks required by applicably federal or state law. The system of the present invention automatically couples the regulatory compliance information engine and a task management system required to process loans and provides methods for integrating the Automate Compliance Engine technology with any third party's loan processing software.

6985886, Jan 10, 2006

Aug 24, 2000

09/645799

David F. Broadbent - Salt Lake City UT, US
Redge L. Cook - Sandy UT, US
Paul B. Coleman - Draper UT, US
William S. Harten - Woods Cross UT, US

Everbank - Jacksonville FL

G06F 17/60, H04K 1/00

705 38, 705 64, 705 67, 705 75, 705 35, 340 541, 707 1

The automated system of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used to control and drive the process of handling a mortgage loan application to completion and settlement in accordance with these regulations. Loan requestors may specify that the system will generate the plurality of required tasks, including tasks required by applicable federal and/or state law, provide the plurality of required tasks to the requester for his execution, and monitor the completion of all required tasks so as to provide a completion certificate to the requestor. Alternatively, loan requestors may specify that the automated system will generate the plurality of required tasks, including tasks required by applicable federal and/or state law, will manage and control the execution of the required tasks, and monitor the completion of all required tasks so as to provide a completion certificate to the requestor.

6904412, Jun 7, 2005

Aug 24, 2000

09/645217

David F. Broadbent - Salt Lake City UT, US
Redge L. Cook - Sandy UT, US
Paul B. Coleman - Draper UT, US
William S. Harten - Woods Cross UT, US

EverBank - Jacksonville FL

G06F017/60

705 38, 707 1

The automated compliance engine of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used to control and drive the process of handling a mortgage loan application to completion and to monitor the completion of the tasks in order to generate a Completion Certificate. Mortgage loan requesters may specify that the system will generate the plurality of required tasks, provide the plurality of required tasks to the requestor for his execution, and monitor the completion of all required tasks so as to provide a completion certificate to the requestor. Alternatively, loan requesters may specify that the automated compliance engine will generate the plurality of required tasks, will transfer the required tasks to other systems qualified to manage and control the execution of the required tasks, and the compliance engine will monitor the completion of all required tasks so as to provide a completion certificate to the requester.

2005019, Sep 8, 2005

Mar 7, 2005

11/074321

David Broadbent - Salt Lake City UT, US
Redge Cook - Sandy UT, US
Paul Coleman - Draper UT, US
William Harten - Woods Cross UT, US

G06F017/60

705038000

The automated compliance engine of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used to control and drive the process of handling a mortgage loan application to completion and to monitor the completion of the tasks in order to generate a Completion Certificate. Mortgage loan requestors may specify that the system will generate the plurality of required tasks, provide the plurality of required tasks to the requestor for his execution, and monitor the completion of all required tasks so as to provide a completion certificate to the requestor. Alternatively, loan requesters may specify that the automated compliance engine will generate the plurality of required tasks, will transfer the required tasks to other systems qualified to manage and control the execution of the required tasks, and the compliance engine will monitor the completion of all required tasks so as to provide a completion certificate to the requester.

2004023, Nov 18, 2004

Jan 9, 2004

10/755078

David Broadbent - Salt Lake City UT, US
Redge Cook - Sandy UT, US
Paul Coleman - Draper UT, US
William Harten - Woods Cross UT, US

G06F017/60

705/038000

The automated system of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used to control and drive the process of handling a mortgage loan application to completion and settlement in accordance with these regulations. Upon the completion of all required tasks related to processing a loan, including tasks required by applicable federal or state law, reports are generated showing completion of all requirements and for use in payment of fees to are appropriate persons. Loan requesters may specify that the system will generate the plurality of required tasks, including tasks required by applicable federal or state law, provide the plurality of required tasks to the requestor for his execution, and monitor the completion of all required tasks so as to a completion certificate to the requestor. Alternatively, loan requesters may specify that the automated system will generate the plurality of required tasks, including tasks required by applicable federal or state law, will manage and control the execution of the required tasks, and monitor the completion of all required tasks so as to a completion certificate to the requestor.