Skip to main content

Full text of "USPTO Patents Application 09998152"

See other formats


» 



\ 



o 

3 

II 




Figure 3 



27 . 



Commercial Mortgage Loan n Asset 
Document n 
Information 



Alert to User that information does 
not match preexisting data or data 
does not meet applicable standard 



■K 

V 



37 . 



Analysis Module 



Database Interface 
Module 



5=c 



Comparison 
Module 



Database Query Module 



I 



Commercial Mortgage Loan Record fl 



Figure 4 



9E 



o 

Co 

yn 
fy 

u 

W 
o 
o 



Requested Information 



Request for information 
contained in Commercial 
Mortgage Loan Record,, 



Extraction Module 



Database Interface 
Module 



Information 
Extraction and 
Format Module 



Database Query Module 



Asset Record. 



J 



# 



Figure 5 



9E 



a 
CI 

03 

m 
m 
= 

U 

y 
o 

Q 



. 51 



Requested Aggregate 
Information 



Request for Information 



Aggregation Module 



Database Interface 
Module 



Information Compilation Module 



Database Query Module 



11 



Record 



\ 



to 
S? 

3 
D) 



— (0 

.2 o _ 

e J -o 

o ® « 
c n o 

is* 

oo 



I a? 

co o>S 

= si 



a) c co 
EC 0. O 



a) 
u. 



<u 



c a s ~ 

C ~ C m 
(U 3 <U <U 



CO 



4) 
„ O 

03 iS 

£ ra 
5, CO a. 

U 0) (0 

"Kb 
cm 

5 E 9 



8 « a 

_i Q a: 



» ro co 
o CO c to -g 



3 
ra 



CO CU I 



a: 

^ T3 <= a 

co "o .2 co 

>< CO* 

5 

9- S- 'o. o 

Q_ 0. O O 



Figure 9 



132 



EZ5 



Ear : 

£ 5 ; 



143 




Display M- 



^ Start ^ — — ^ 







Request for copies of 
Asset documents 








Retrieve Record 
associated with 
Asset 



Extract 
Requested 
documents 
associated with 
fields in Record 



Print document 



137 



139 




Write to CD/ 
e-mail/ 
website 



□ 

m 
= 

W 
Q 

D 




Figure 12A 



182 




185 



a SB ASSET DOCUMENTS \ - 

I |- 0 Loan Review - Annuo) ti£ 
| H O Mortoa©» j[ 
J D T exflnsurenc o Non-Cash Adjkjj|| 

S-JBSfcl: Tne j [Apartments & 

- D Appraisal §|g 

• Q Escrow Analysis (System Get."* 

• Q Inspection - Standard Mkfinnd | * 

■ Q Proot oi Insurance - CertiflcauV 

- 0 Proof ol Insurance - EvWencop™ 

— 0 Property B alance Sheet 

' D ^ SGI*!* 

Q Strategy Insurance Dtsbureem 

■ Q T Series insurance Letters - m 

- 0 T Series Insurance Lr - I 
D T Series Insurance Letters - I — c 
Q Underwnllng Financial Statetm 
0 VTO Property Income Statemn 

h C BORR: 

D Baiartc 
hJ3P CONTACT! 



Login : 
llOatelp 



j F>r« Roll 



^Received ~ 



(Sheet 



— : j 1 7 Mi 




Figure 12B 



218 




Figure 13 



. 184 



2 S ASSET DOCUMENT 



3 



- Q Loan Review - Annua* |f 
--D Mortage I 
1 — Q I«xinsu*nceNoo-C«shA*il 



S-I^V.TheC 



3 Apartinerts 



0 Awraisai | 

- Q Escrow Analysis (System Osr 

- D inspection - Standard Mdarxi | 
-■ 5 Ptoot of Ircu-ance - Certificate 
~ D Proot of hsurance - Evtdencei 

- D Property B atonce Sheet j 

■■■■ Q Strategy insurance Dtsbusem; 
~ D t Series hsurance Lettera - ti 

- Q 1 Series ha* once Letters • T; 
~0 1 Series Insurance Lettert 

- Q UxJerwrtina Fnancial Staterr^ 

- D VTD Property Income Statemel: 



til 



B-CC 



I ! — Q Balance Shed 
EB -fJP COWTACIS 



□ 



asi«it|'^DavildR ] Ef . ■-■ [© MLS Hifr Mara |[®Af*S 




iMFM 



Figure 14 



mm: 



B B ASS£T DOCUMENTS || 
- Q loan Review - Annual J§ 
D Mortgaae || 
~Q TaxAtsmnu NorvCash Adju"'- 

\ - D Appraisal |j 
[-•Q Escrow Analysis (System Ger^ 
j-0 Inspection. Standard Mkfendi 
j~ D Proot ot insurance - CertiffcefcJ 
I D Proof ot Insurance - Evidence |l 
f- a Property fttonce Sheet f 



•D Strategy tnsuranc* Otxtwrseni^ 
■D TSeriewliswrarce Letter* -h^ 
T Series Insurance Letters - t|| 
-Q T Series Insurance Letters -T|" 

- D underwrite Financial SUtantM 

- D VTO Property hcome Statemer 



: - D Balance Sheet 
£P CONTACTS 




223 



Figure 15 



. 225 



\ Miciosoft Access - {BaicodeSheel : Repoil] 



CD Qxx 110% - p 



m m w m mm mmm im^wt wmfwi 



m 



D Document Management Indexing Information 



Portfdia Comm Mtge taeptuno: Cotpl I Asset Number: 
investor. (ZH) Cotnm Mtge taeptance Cwpl I ._ 

ctmntBabiitce « . i Asset Name: |_ 

Loon aaac i 

AMet Status Cd t I 

Ant* Statin Cd 2 



3 LP 



Document T)pe: 
lime Period 
Login Date and Us 



3 ropertyc 



1 Thef 



] Apartments 



Croft Adntn Distritxiion 



Supervisor: 

Analyst: 

Croup; 



Cash Flow Loan NU 
Asset Mtf Status Pertaining Camm Lease 
PortRonkf Pcfl: I f &Uiit Based: 



iini 



F W ; -I ; I I r ■ _lJ 



]B(tl. 



. » I ' ' 



N-{ ^EQ 1 15PM ■ 



Figure 16 



Q AIS "-' j I ReMRc*| 



m 



»|Mj 



B-UJ 840908817-L IU 
ASSET DOCWOm. 
0 loan* 



Si! 



- 0 T«t*r ' ' 1 1 1 1 ' 



I a 1* 1 In nl rjalal 














* 


©MLSM 



sss 



Stttn Out T)pi jq rt 



But 



bet 



ttlw 



C*rnt ItUl *« 
lalacf fttposlti W1A 



ItSi II ieMC A3 

iti: » kuuc <a 

1U3ICKWBR! 
Cninti NEJ trtl M7 
If.'i « KUUC U 

COKIstf 

iks k huu; ta 

CMtnts 

It.i ft (Sl/O. <tl 

«J?tKWItW 
C&iimti 

1«3 k Kl/lt (a 
Cntcris 

K» k KUIC ra 

Ccamtt 

i*ie k taw fa 
Cnintt 

mi ■ <em « 

CMMttt 

IMt > MAC K 





.ti 


Kit) 


.e 


.».• 


is.« 


,t£ 




ICC 


.« 


.» 


sa.es 


.*) 


.« 


IB.ti 


.*! 


-!«.« 


IM.W 


.« 


.63 


3E3.e3 


.« 


.K 


ttt.ti 


.w 


.« 


WS.M 


.te 


.w 


Stl.K 


.« 


-n. a 


sa.«4 


.« 


,« 





Figure 17 



231 



BifBliPIII 




230 



2 And Tracking Sydor, 2.0 
6--E M0908817 



ASSET DOOUBflS 
}~ Q Loan Review - Annual 
)- 0 Mortgage 

Q Taxinaurance Non-Caj 



-0 Appraisal | 
]-■ 0 Escrow Analysis (Syste; 
r 0 Inspection - Standard 
•™ Q Prod of insurance - Cerij 
Q Prool o( Insurance . Evict 
D Property B alance Sheet jj 

I™ 0 Streteoy Insurance DteU 
Ufi 7 Series Insurtfwe Lette; 
r- D T Series Insurance Lette, 
D T Series Insurance lefle! 
HQ Urxierwrlbno, HnencMl Si 
L C5 YTD Property hcoroe St* 

■rft i L 

iff CONTACTS m 



Figure 18 



237 



239. 




J- Rent RoQ| : 



pi _SSft |fort(t*o I £r«i(Tw I £n*-r1i I lenorl I ^runtnl', I _<rt*r*-. I C_-,-.©nli I fcr*-;; 



department kMGfrhatiqn 



< *• Aisd N 



F.WV/f : 



0 ATS Oteria Asset Status list 
HUD STATUS COOES 
NACTTVE 
i-Q Of-GtlATION 
SrO PERT ORMNG 
$ Q PNC OFJONAT10M 
g)-0 SPECIAL CREOfTS 



EJ! 



1 



fcH-lvt'.? ["" 
Org tUfl O-r | 
Orr5 C«?*ro*sn! f" 



: Cancel 









_ 








— 1 








' 










— 


























— 1 














_______ 


? 













_J 




r , 


? 




0 





Figure 19 



243 




| ATS Report Us( 
SH^Acttvfty Report* 
Reports 

S Asset Monaaement Report* 
® Asset Sunnary Reports 
SfljjP ATS Oenarai Reports 
j S>£3UwnDetd 

] 4'Jg) LO«MMS 

' f- J| Credo* Sunmary 

j ) f ■ H OSCR Variance Analysts - Dose Balance 

I | i- d DSCR Variance Analysis -V«r Curr to Base 

I j i-HGenerelLoonUsl by Asset Nunber 

j ! i-M Qenerl Loan Lfal by B orrower Name 

j ^HE GeoertJ Loan list by Current Bawnce 



fill 



M 



: .^BStjrt| ffCuraldP'CUl gmmdiWc [QmiSM»iM |fi,Mirjc:ollte | [0A15-W<.. \ 



Iliflilil^UfHtsipI! 



. 245 



Figure 20 



247 



Jl^ATS - [Image Management} 





wmsm 



ass 



71 trie* na*« | i i .Tiji fu 



! ; Brfch Ourr» H*w» 



~ i 



g ASBi.iwsoeis g 

J ASSET §1 
MBi* ASSET JW 
j-ffi ACCRjnj(TO H 

gji ACCRjNTjrcva. t- 

i-3B ACCRJJT.YTD f" 
'iWl ACCRLJ*TH0O_<r 
i-B ACCRUED JHTERESl3 
HS AtCRUEOJ>«JJ>'p 
*4ffl ACCT0_PA3S_CD |- 
l-fg ACCTOJBA9S_C04 
S-fll ACCTO^TATUSJ)l|| 
j-ffl ACWE^tATUSJlH 
AMORT JtnOO |j 
j-S^AKORT.TYPE.CO f% 
l-ig? AMORTIZEJYPC f^j 

~ J /I 



;'ASSETASS£7?NQ;i 



assetasset_.no 



J 



248 



Figure 21 



-250 



m 



1* £J» Vsw & j^ora-* *i v<.i SH{< 

>' 3 

Pjwt Reload Homt 



ma 



i 



i5a 3 

Sea'cf Netscape Pirt 



Securiiy 



Shoo 



?2 




■sp 8 arrows «mreispo:a%nce> 

^Oomrnitmerti-iliiiiigiii 

J^jj Lear* Atjieerrt Brits T Tiust Acueemei 

"iLoati Committee ^pioyaKHBHO 

i*j Stistegy Fi!e Maintenance form- 1 2j 
"fcWiio Transfer Ad^ee-^H 




Portfolio j 

Loan No. [ 

Prospectus r 
No J 
Investor Loan r 
No J 

Loan Name j 



Property r 
Name ' 

Cityf 



State/Province |CT j£] 

Postal Code | ~ 
Property Type | ~ " 



1 



riasi«t| ffiPondd I jSyVcioso |©MLSM | < Q a Mcto*o | '©^"T'| |^Mkdj.. J BtoobaTf ' 



Figure 22 



©ATS I l - YTP Piooertg liicooi 



■ol 



si 



HI A*set Tracttig System ID f 
ffl | . . ■ , j 

lp- 8 ASSET OOCUMEKTS | 
D Loan Review - Annual If 
Q Mortgage § 
Q Tax*»#enc« Norv<tef J 

S -Ml: TboL ^Z ZZM 

h 0 Appraisal || 
!--■ Q Escrow Anarysts (SVstel 
|~- D hspecton - Standard t*| 
• ■ D Proof of Insurance - Cerp 
V" Q Prool of hsurance - Evk| 
j-- 0 Property Bstanc* Sheet ft 
h Q Rem Roa f 
\ • D Strategy Insurance Dwb<( 
r-Q TSerie* insurance Lette | 
j-Q T Series hsurance tette J 
i--D T Senet Irraurance LeGe^ 
■"' ^ LMerwttinp frwncial S 

Lq[ ' 



>'TD Pfooeity ex-cm? St 




IS tf CONTACTS 



si 





IIP' 




.«- 

QlJOt 




01/01 




oioi; 




01 JO! 




oi oi; 








Sol 








ot«i; 




OllOt' 




01J01 



Crett ActtinWration 
-U Baselne Comparison 
-0 Coaipiarce 
-HOSCR Test Abstract 
-fl OSCR Trend Analysis 
~B OSCR Variance Analysis 
~fl DSCR Variance Analysis - D«c Balance 
~d OSCR VARIANCE ANALYSIS - last 30 day* 

-8 DSCR Variance Anatysis -Var Cur to Base 
~H Las* 4 Quartan VTO Deanquency 



*>C3 hspedion Maintenance 
£J-^1 Loan Octal 
J ,"^J Pertortnance Reports 
I }Q Portfofo Summary 



[ ^5 Start] $D»v » 



245