이 특허를 인용한 특허 (186)

1. Brown, Derrick; Blair, Roger; Finch, Steven; Wolbers, Igor; Taylor, Gerald; Cherkasov, Aleksey, Agency management system and content management system integration.

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2. Powers, James G.; Weber, Richard M., Apparatus and method for exposing, evaluating and re-balancing risk for decision-making in financial planning.

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3. Joao, Raymond Anthony, Apparatus and method for processing lease insurance information.

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4. Bryant, Victor; Poluektov, Igor, Apparatus, method and article to manage electronic or digital documents in a networked environment.

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5. DeFrancesco,James R.; Freiman,Scott L.; Alsobrook, Jr.,James C.; Terpening,Steven M.; Mayers,Andrew L.; Mullin,Edward T.; Fritsche,Brian S.; DiClaudio,Michael C.; Brune, Jr.,Michael D.; Scott,Kristie, Automated credit application system.

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6. Garrison, Sara; Sinyagin, Aleksey, Automated customized web portal template generation systems and methods.

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7. Shoen, Edward J.; Royer, Bruce; Bierman, Chris; O'Connor, Dennis, Automated self-storage reservation and management system.

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8. McCarty Charles H. ; Linder Bonita S., Automated storage system.

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9. Barcelou, David M., Automated transaction machine.

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10. Barcelou, David M., Automated transaction machine.

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11. Barcelou, David M., Automated transaction machine.

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12. Barcelou, David M., Automated transaction machine.

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13. Barcelou, David M., Automated transaction machine.

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14. Barcelou, David M., Automated transaction machine.

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15. Barcelou, David M., Automated transaction machine.

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16. Barcelou, David M., Automated transaction machine.

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17. Barcelou, David M., Automated transaction machine.

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18. Barcelou, David M., Automated transaction machine.

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19. Barcelou, David M., Automated transaction machine.

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20. Barcelou, David M., Automated transaction machine.

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21. Barcelou, David M., Automated transaction machine.

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22. Barcelou, David M., Automated transaction machine.

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23. Barcelou, David M., Automated transaction machine.

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24. Barcelou, David M., Automated transaction machine.

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25. Barcelou, David M., Automated transaction machine.

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26. Barcelou, David M., Automated transaction machine.

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27. Barcelou, David M., Automated transaction machine.

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28. Barcelou, David M., Automated transaction machine.

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29. Barcelou, David M., Automated transaction machine.

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30. Barcelou, David M., Automated transaction machine.

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31. Norris Jeffrey A., Automatic financial account processing system.

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32. Alvarez, Raul, Bit level comparator systems and methods.

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33. Bernstein Jason D. ; Richardson Alexander D. ; Blodgett Paul W. ; McGuire Joseph P., Browser kiosk system.

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34. Bernstein Jason D. ; Richardson Alexander D. ; Blodgett Paul W. ; McGuire Joseph P., Browser kiosk system.

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35. Weber, Peter; Sverdrup-Thygeson, Harald, Business process framework for reinsurance.

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36. Lui, Louis; Muir, Robert Linley; Curry, David Thomas Francis; Boesen, John Leslie; Jack, David Samuel, Cashless reservation system.

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37. Wait, Julian F.; Knifton, Jess V., Claims processing hierarchy for designee.

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38. Wait, Julian F.; Knifton, Jess V., Claims processing hierarchy for insured.

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39. Wait, Julian F.; Knifton, Jess V., Claims processing of information requirements.

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40. Norris Jeffrey A., Closed loop financial transaction method and apparatus.

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41. DeFrancesco, James R.; Freiman, Scott L.; Agrawal, Arvind K., Computer implemented automated credit application analysis and decision routing system.

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42. DeFrancesco, James R.; Freiman, Scott L.; Agrawal, Arvind K., Computer implemented automated credit application analysis and decision routing system.

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43. DeFrancesco, James R.; Freiman, Scott L.; Agrawal, Arvind K., Computer implemented automated credit application analysis and decision routing system.

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44. Keithley, Thomas H., Computer-implemented method and system for dynamic consumer rating in a transaction.

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45. Talbert, Vincent W.; Keithly, Thomas H.; Hirschfeld, Daniel A.; Lavelle, Mark L., Computer-implemented method, system and apparatus for the dynamic verification of a consumer engaged in a transaction with a merchant and authorization of the transaction.

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46. Ladd, Christine R.; Goodman, Sheilah A; Kopperman, Peter G., Computerized systems and methods for facilitating the flow of capital through the housing finance industry.

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47. Williams, Michael J.; Kopperman, Peter G.; Voth, David N.; Plotnick, Richard N.; Simon, Peter A.; Thurow, Kimberly J.; Koch, Michael W.; Schulz, Martin T., Computerized systems and methods for facilitating the flow of capital through the housing finance industry.

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48. Williams, Michael J.; Kopperman, Peter G.; Voth, David N.; Plotnick, Richard N.; Simon, Peter A.; Thurow, Kimberly J.; Koch, Michael W.; Schulz, Martin T., Computerized systems and methods for facilitating the flow of capital through the housing finance industry.

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49. Evenshaug,Bjornar; Sverdrup Thygeson,Harald, Condition component framework for reinsurance.

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50. Keithley, Thomas H.; Talbert, Vincent W.; Lavelle, Mark L., Consumer processing system and method.

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51. Herz,Frederick S. M., Customized electronic newspapers and advertisements.

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52. Erlanger, Michael David, Data processing system for providing an efficient market for insurance and reinsurance.

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53. Scalet, Frank; Henry, Scott; Watters, Clifton; Dulock, Scott, Determining amounts for claims settlement using likelihood values.

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54. Scalet, Frank; Henry, Scott; Watters, Clifton; Dulock, Scott, Determining recommended settlement amounts by adjusting values derived from matching similar claims.

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55. Scalet, Frank; Henry, Scott; Watters, Clifton; Dulock, Scott, Displaying likelihood values for use in settlement.

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56. Childress,Allen B., Dynamic help method and system for an insurance claims processing system.

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57. Erlanger, Michael David, Efficient market for financial products.

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58. Erlanger, Michael David, Efficient market for financial products.

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59. Erlanger, Michael David, Efficient market for financial products.

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60. Hopkins, III, John Chandler; Cotter, Judy Margaret, Enhanced vehicle identification card.

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61. Childress, Allen B.; Spann, Allison W., Graphical display of business rules.

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62. Childress,Allen B., Graphical user interface with a hide/show feature for a reference system in an insurance claims processing system.

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63. Swor G. Michael ; Lawrence Donald K., Health care information and data tracking system and method.

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64. Lisiten Darren ; McCabe Geoffrey, Illuminatable decorative object and method for making same.

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65. Dhir, Nitin; Kappagantu, Ravi, In-bound telemarketing system for processing customer offers.

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66. Bui, Huyen K.; Goodman, Jeffrey Lewis; Harvey, Bennet; Holm, Donald; Johansen, Hans S.; Klouche, Moncef; Lerner, Alex; Traichal, Patrick; Zona, David, Insurance marketing methods.

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67. Benson,Mark H.; Goldwater,John; Watters,Dean; Kowalsky,George; Healey,Michael, Insurance policy renewal method and system.

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68. Heydon, Clark Allan; Branson, Kenneth William, Insurance policy revisioning method and apparatus.

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69. Kennedy, William R.; Giglia, Charles J., Integrated electronic credit application, contracting and securitization system and method.

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70. Sinyagin, Aleksey; Vinall, Justin P.; Wang, Fang, Integration testing method and system for web services.

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71. Reichwein,Ernst F.; White,Joseph G., Interactive symptomatic recording system and method utilizing symptomatic memory.

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72. Reichwein Ernst F. ; White Joseph G., Interactive symptomatic recording system and methods.

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73. Leatherman, Russel D.; Royal, Jr., William C., Internet capable browser dispenser architecture.

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74. Lorenz,Scott, Internet-enabled system and method for assessing damages.

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75. Kemper, John L.; Nolan, III, William R., Loan commitment system and method.

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76. Cox, Andrew; Sieber, Robert; Balding, Alison; Karunaratne, Anil; Chandumont, Jean-Christopher, Method and apparatus for evaluating a financial transaction.

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77. Bauer, Alan R.; Bowman, Amanda L.; Keyser, Richard J.; McNamara, Megan N.; Urminski, Cheryl L.; Youngstrom, Leslie; Alfred, Toby, Method and apparatus for internet on-line insurance policy service.

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78. Bauer, Alan R.; Bowman, Amanda L.; Keyser, Richard J.; McNamara, Megan N.; Urminski, Cheryl L.; Youngstrom, Leslie; Alfred, Toby, Method and apparatus for internet on-line insurance policy service.

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79. D'Albora, Paul Anthony; Henrickson, Jeremy Shawn, Method and apparatus for managing a computer-based address book for incident-related work.

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80. Cox, Andrew; Dellosso, Donna; Cisz, Mark; Bekker, Ela; Chandumont, Jean-Christopher; Dafni, Joseph, Method and apparatus for managing credit limits.

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81. Cox, Andrew; Chandumont, Jean-Christopher; Bainbridge, Dianne; Haas, Lauren, Method and apparatus for managing risk.

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82. Keefer, Alan Harrison, Method and apparatus for pricing insurance policies.

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83. Talbert, Vincent W.; Keithly, Thomas H.; Hirschfeld, Daniel A.; Lavelle, Mark L., Method and system for completing a transaction between a customer and a merchant.

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84. Talbert, Vincent W; Keithly, Thomas H; Hirschfeld, Daniel A; Lavelle, Mark L, Method and system for completing a transaction between a customer and a merchant.

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85. Keithley, Thomas H.; Whitford, Thomas E., Method and system for engaging in a transaction between a business entity and a merchant.

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86. Keithley, Thomas H.; Lavelle, Mark L.; Talbert, Vincent W., Method and system for engaging in a transaction between a consumer and a merchant.

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87. Keithley, Thomas H., Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale.

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88. Keithley, Thomas H., Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale.

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89. Keithley, Thomas H., Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale.

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90. Keithley, Thomas H., Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale.

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91. Barbara, Ellen; Jenkins, Antony, Method and system for on-line payments.

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92. Palumbo, Donald R.; Holmes, Leslie D., Method and system for pricing forward commitments for mortgage loans and for buying committed loans.

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93. Palumbo, Donald R.; Holmes, Leslie D., Method and system for pricing forward commitments for mortgage loans and for buying committed loans.

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94. Wizig, Lewis Howard, Method and system for providing a user-selected healthcare services package and healthcare services panel customized based on a user's selections.

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95. Wizig, Lewis Howard, Method and system for providing a user-selected healthcare services package and healthcare services panel customized based on a user's selections.

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96. McConnell, Frank J.; Tormey, William M.; Randall, Anne H.; Ellermeier, Dennis M.; Johannesen, Greg S.; Lewis, Jason J.; Lenoir, Edward V., Method and system for providing insurance policies via a distributed computing network.

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97. Hanby,William W.; Callahan,Sandra K., Method and system for quoting, issuing, and administering insurance policies including determining whether insurance policies are self bill or list bill.

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98. Keithley, Thomas H.; Talbert, Vincent W.; Lavelle, Mark L., Method and system for risk management in a transaction.

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99. Bates, David L.; Gordon, Jerome B.; Goodenow, Donald J., Method for generating an insurance quote.

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100. Freeman,Charles J.; Xue,Xingxiong, Method for mortgage and closed end loan portfolio management.

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101. Childress, Allen B.; Spann, Allison W., Method of generating a graphical display of a business rule with a translation.

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102. Childress,Allen B.; Spann,Allison W., Method of modifying a business rule while tracking the modifications.

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103. Risen ; Jr. William M. ; Covello Diane F., Method of protecting against a change in value of intellectual property, and product providing such protection.

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104. Risen, Jr., William M.; Covello, Diane F., Method of protecting against a change in value of intellectual property, and product providing such protection.

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105. Kemper, John L.; Nolan, III, William R., Mortgage loan commitment system and method.

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106. Ireland, Leigh-Anne T.; Strand, Marilyn; Goldberg, Michele; Winzer, Etienne, On-line higher education financing system.

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107. Novak, Christopher S.; D'Angelo, Michael; Giancola, Tom, Online interactive and partner-enhanced credit card.

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108. Davies, Jennifer Victoria; Johnson, Laura Ann; Methven, Kathleen Marie; Donnelly, Kaley; Miles, Noah Nathaniel; Wilhelm, Debora Ann; Knowles, Brandon H.; Moeller, Alissa C.; Higley, John Joseph; Carey, Douglas Steven; Tobiason, Wendell; Hallstaff, Charlene E.; Besso, James FerneKeith; Madden, Michael Edward; Moore, Bradley James; Pozniak, Joelle Juleann; Walle, Jerald A., Online system and method for processing life insurance applications.

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109. Davies, Jennifer Victoria; Johnson, Laura Ann; Methven, Kathleen Marie; Donnelly, Kaley; Miles, Noah Nathaniel; Wilhelm, Debora Ann; Knowles, Brandon H.; Moeller, Alissa C.; Higley, John Joseph; Carey, Douglas Steven; Tobiason, Wendell; Hallstaff, Charlene E.; Besso, James FerneKeith; Madden, Michael Edward; Moore, Bradley James; Pozniak, Joelle Juleann; Walle, Jerald A., Online system and method for processing life insurance applications.

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110. Anderson, David Martin; Zhang, Yi, Overlaying images in automated insurance policy form generation.

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111. McDowell, Kevin R., Performance testing of web application components using image differentiation.

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112. Bonissone, Piero Patrone; Messmer, Richard Paul; Yang, Dan; Pavese, Marc; Patterson, Angela Neff; Mogro-Campero, Antonio; Varma, Anil; Durham, William Michael; Russell, Diane Marie; Subbu, Rajesh Venkat, Process for case-based insurance underwriting suitable for use by an automated system.

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113. Bonissone, Piero Patrone; Cheetham, William Estel, Process for determining a confidence factor for insurance underwriting suitable for use by an automated system.

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114. Bonissone, Piero Patrone; Messmer, Richard Paul; Patterson, Angela Neff; Yang, Dan; Pavese, Marc; Subbu, Rajesh Venkat; Aggour, Kareem Sherif, Process for optimization of insurance underwriting suitable for use by an automated system.

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115. Bonissone, Piero Patrone; Messmer, Richard Paul; Durham, William Michael; Yang, Dan; Pavese, Marc; Russell, Diane Marie, Process for rule-based insurance underwriting suitable for use by an automated system.

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116. Arpin, Jeffrey L.; Dick, Michael W.; Edgar, Thomas P.; Hunt, Brian, Property investment rating system and method.

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117. Arpin, Jeffrey L.; Dick, Michael W.; Edgar, Thomas P.; Hunt, Brian, Property investment rating system and method.

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118. Herz, Frederick S. M., Providing customized electronic information.

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119. Hacker, Nora; Eckelbarger, Robert J.; Wright, Richard; Blattner, Jeffrey, Providing life insurance.

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120. Freeny, Jr., Charles C., Proximity service provider system.

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121. Freeny, Jr., Charles C., Proximity service provider system.

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122. Oldham, Craig; Hobart, Michael Frederick; Krieter, Dean; Porras, Javier; Herrmann, Jeffrey Robert; Wojcik, John Paul, Real-time insurance estimate based on non-personal identifying information.

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123. Oldham, Craig; Hobart, Michael Frederick; Krieter, Dean; Porras, Javier; Herrmann, Jeffrey Robert; Wojcik, John Paul, Real-time insurance estimate based on non-personal identifying information.

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124. Oldham, Craig; Hobart, Michael Frederick; Krieter, Dean; Porras, Javier; Herrmann, Jeffrey Robert; Wojcik, John Paul, Real-time insurance estimate based on non-personal identifying information.

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125. Oldham, Craig; Hobart, Michael Frederick; Krieter, Dean; Porras, Javier; Herrmann, Jeffrey Robert; Wojcik, John Paul, Real-time insurance estimate based on non-personal identifying information.

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126. Oldham, Craig; Hobart, Michael Frederick; Krieter, Dean; Porras, Javier; Herrmann, Jeffrey Robert; Wojcik, John Paul, Real-time insurance estimate based on non-personal identifying information.

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127. Herz, Frederick S. M.; Labys, Walter Paul; Parkes, David C.; Kannan, Sampath; Eisner, Jason M., Secure data interchange.

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128. Lotter, Robert A; Allard, Timothy S.; Baughn, John W., Shared insurance industry system for non-disruptive enhancement and substitution of insurance transaction processing.

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129. Louie, Edmund H.; Campbell, Michael X., Syndication loan administration and processing system.

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130. Buisman,William J.; Cohen,Gary; Fox,Steven R.; Kruse,Charles; Sulpizio,Christine, System and method for converting information on paper forms to electronic data.

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131. Kemper, John L.; Simonds, Jr., John A.; Mathewson, Mark D.; Singh, Navdeep, System and method for creating and tracking agreements for selling loans to a secondary market purchaser.

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132. Kemper,John L.; Simonds, Jr.,John A.; Mathewson,Mark D.; Singh,Navdeep, System and method for creating and tracking agreements for selling loans to a secondary market purchaser.

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133. Wolfe,Brian, System and method for displaying messages using a messages table.

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134. Wolfe,Brian; Spann,Allison W., System and method for externalization of formulas for assessing damages.

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135. Jones, Gregory; Spann, Allison W., System and method for externalization of rules for assessing damages.

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136. Gang, John E.; Nolan, III, William R.; Kemper, John L.; Voth, David N.; Kopperman, Peter G., System and method for facilitating sale of a loan to a secondary market purchaser.

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137. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for generating graphical user interface.

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138. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for generating graphical user interfaces.

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139. Akbay, Kunter Seref; Messmer, Richard Paul; Johnson, Christopher Donald; Patterson, Angela Neff; Kapoor, Navneet; Pavese, Marc; Kalish, Peter Arnold, System and method for identifying, representing and evaluating information and decision flow requirements and processes in a transactional business system.

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140. Rosko, Robert J., System and method for implementing a consolidated application process.

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141. Rosko, Robert J., System and method for implementing a consolidated application process.

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142. Rosko, Robert J., System and method for implementing a consolidated application process.

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143. Goux,Timothy Gayle, System and method for improving the operation of a business entity and monitoring and reporting the results thereof.

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144. Hunter, Jeanne M.; Houle, Jocelyn; Srivastav, Sarmila; Rachakonda, Parvathi D.; Mountain, James L., System and method for management of delegated real estate project reviews.

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145. Weber, Phillip J.; Neill, Edwin B.; Hunt, Brian K., System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments.

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146. Oppenheimer, Dror; Bastnagel, Maryann, System and method for modifying attribute data pertaining to financial assets in a data processing system.

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147. Oppenheimer, Dror; Bastnagel, Maryann, System and method for modifying attribute data pertaining to financial assets in a data processing system.

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148. Voth, David N.; Simon, Peter A.; Plotnick, Richard N.; Youngman, Scott; Fulcher, Patricia D.; Alvarez, Neiman; Huffman, Andrew; Harrell, Anne; Saad, George; Kane, Michael J., System and method for mortgage loan pricing, sale and funding.

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149. Taylor,James W.; Coro,Luz Maria, System and method for offering a financial product.

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150. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.

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151. Nolan, III, William R.; Kemper, John L.; Voth, David N.; Kopperman, Peter G., System and method for pricing loans in the secondary mortgage market.

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152. Nolan, III, William R.; Kemper, John L.; Voth, David N.; Kopperman, Peter G., System and method for pricing loans in the secondary mortgage market.

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153. Flaxman, David R.; Tantoco-Hobbs, Minerva L.; Kobus, Anne M. Murphy; Koch, Michael W.; Packer, Daniel; Plofchan, Peter G.; Pomeroy, Richard C., System and method for processing a loan.

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154. Flaxman, David R.; Tantoco-Hobbs, Minerva L.; Kobus, Anne M. Murphy; Koch, Michael W.; Packer, Daniel; Plofchan, Peter G.; Pomeroy, Richard C., System and method for processing a loan.

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155. Flaxman, David R.; Tantoco-Hobbs, Minerva L.; Kobus, Anne M. Murphy; Koch, Michael W.; Packer, Daniel; Plofchan, Peter G.; Pomeroy, Richard C., System and method for processing a loan.

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156. Oppenheimer, Dror; Bastnagel, Maryann; Kemper, John L.; Simonds, Jr., John A.; Mathewson, Mark D.; Singh, Navdeep, System and method for processing data pertaining to financial assets.

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157. Oppenheimer, Dror; Bastnagel, Maryann; Nixon, Jr., William P., System and method for processing data pertaining to financial assets.

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158. Oppenheimer, Dror; Bastnagel, Maryann; Nixon, Jr., William P., System and method for processing data pertaining to financial assets.

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159. Raines, Franklin D.; St. John, Julie G.; Quinn, Michael A.; Lewis, Robert A.; Farrell, William F.; Kemper, John L., System and method for processing data pertaining to financial assets.

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160. Childress,Allen B.; Jones,Gregory, System and method for processing insurance claims using a table of contents.

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161. Herz, Frederick; Ungar, Lyle; Zhang, Jian; Wachob, David, System and method for providing access to data using customer profiles.

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162. Herz, Frederick; Ungar, Lyle; Zhang, Jian; Wachob, David; Salganicoff, Marcos, System and method for providing access to video programs and other data using customer profiles.

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163. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.

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164. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.

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165. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.

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166. Pienkos, John Thaddeus, System and method for providing reduced insurance premiums.

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167. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.

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168. Palumbo, Donald R.; Carter, Thomas J.; Dixon, Amelia M.; Keller, Kathleen P.; Jozwiak, John J., System and method for transferring mortgage loan servicing rights.

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169. Palumbo, Donald R.; Carter, Thomas J.; Dixon, Amelia M.; Keller, Kathleen P.; Jozwiak, John J., System and method for transferring mortgage loan servicing rights.

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170. Kemper, John L.; Coleman, David A., System and method for verifying loan data at delivery.

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171. Kemper, John L.; Coleman, David A., System and method for verifying loan data at delivery.

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172. Labelle,Guy J; Howington,George A; Ruhnke,Roman J; Labelle,Andrea L, System and method of dispensing insurance through a computer network.

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173. Bonissone, Piero Patrone; Aggour, Kareem Sherif; Subbu, Rajesh Venkat; Yan, Weizhong; Iyer, Naresh Sundaram; Chakraborty, Anindya, System and process for a fusion classification for insurance underwriting suitable for use by an automated system.

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174. Bonissone, Piero Patrone; Iyer, Naresh Sundaram, System and process for detecting outliers for insurance underwriting suitable for use by an automated system.

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175. Bonissone, Piero Patrone; Messmer, Richard Paul; Subbu, Rajesh Venkat; Yan, Weizhong; Chakraborty, Anindya, System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system.

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176. Haertel, Scott, System for authorizing credit use.

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177. Bonissone, Piero Patrone; Messmer, Richard Paul; Yang, Dan; Pavese, Marc; Patterson, Angela Neff; Mogro Campero, Antonio; Varma, Anil; Durham, William Michael; Russell, Diane Marie; Subbu, Rajesh Venkat, System for case-based insurance underwriting suitable for use by an automated system.

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178. Bonissone, Piero Patrone; Cheetham, William Estel, System for determining a confidence factor for insurance underwriting suitable for use by an automated system.

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179. Bonissone, Piero Patrone; Messmer, Richard Paul; Durham, William Michael; Yang, Dan; Pavese, Marc; Russell, Diane Marie, System for rule-based insurance underwriting suitable for use by an automated system.

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180. Young, III, Freeland Glen; Dietrich, Liane; Garland, Diana H.; Edwards, Lee, System, method and software application for accessing and processing information.

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181. Voth, David N.; Plotnick, Richard N.; Kopperman, Peter G.; Herron, Caroline R.; Derwin, John A.; Goodman, Sheilah A.; Watson, Michelle Y.; McDonald, Laura L.; Schamber, Elizabeth H.; McGhee, Richard J., Systems and methods for facilitating the flow of capital through the housing finance industry.

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182. Metzger, Michael David; Russell, Diane M.; Perry, Timothy Patrick Jon, Systems and methods for performing data collection.

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183. Hong, Xiao; Song, Xiaolan; Dong, Xin; Fei, Huchen; Wang, Lihua, Systems and methods for performing scoring optimization.

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184. Tucker, Robert Lance; Billman, Bradly Jay, Systems and methods for providing driving insurance for an individual driver.

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185. Tedder, Doug; Corriveau, Paul; Kushiner, John, Systems, methods and articles for template based generation of markup documents to access back office systems.

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186. DeFrancesco, Jr., James R.; Fingerhuth, Amy; Freiman, Scott; Rusk, Geoffrey; Terpening, Steven, Workflow management system for an automated credit application system.

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