Abstract: A method for process monitoring is disclosed. A borrower is offered a proceeding in which a secured party has executed on collateral due to nonpayment prevention and protection plan associated with a secured loan. A periodic payment is received from the borrower in response to the borrower accepting the proceeding in which a secured party has executed on collateral due to nonpayment prevention and protection plan. The proceeding in which a secured party has executed on collateral due to nonpayment prevention and protection plan allows for at least a portion of a loan payment for the secured loan to be covered by a proceeding in which a secured party has executed on collateral due to nonpayment prevention and protection (PP) entity on behalf of the borrower in response to a covered event occurring.

Abstract: A method includes enrolling a borrower in income curtailment protection associated with a loan, where the loan requires periodic payments. If income curtailment has occurred, a determination is made as to what portion of the periodic payment is to be covered on behalf of the borrower. The determined portion of the periodic payment is covered by an entity other than the borrower on behalf of the borrower.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a unique unemployment insurance underwriting system. In one embodiment of the invention, the unemployment insurance underwriting system receives a request to enroll in the unemployment insurance from a user. The system then receives data associated with the user from a financial institution. The system then determines the benefits to be paid to the user based, in some cases, on the data received from the financial institution. The system then determines whether the user qualifies to enroll in the unemployment insurance based on the benefits and the user data. In an embodiment of the invention, the unemployment insurance provides benefits for monthly expenses to users that have become involuntarily unemployed.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a unique unemployment insurance marketing system. In one embodiment of the invention, the unemployment insurance marketing system determines selection criteria for the unemployment insurance product. The system then receives data associated with a user, the data received from a financial institution. The system compares the selection criteria with the user data to determine whether the user qualifies to receive an offer. If the user qualifies to receive an offer, the system offers the unemployment insurance to the user. In another embodiment of the invention, the offer is customized to the user's expenses. For example, the offer may be customized based on user's expenses in an online bill payment system.

Abstract: A method includes enrolling a borrower in income curtailment protection associated with a loan, where the loan requires periodic payments in order for the borrower to avoid defaulting on the loan. If income curtailment has occurred, a determination is made as to what portion of the periodic payment is to be covered on behalf of the borrower. The determined portion of the periodic payment is covered by an entity other than the borrower on behalf of the borrower.

Abstract: A method for process monitoring is disclosed. A borrower is offered a foreclosure prevention and protection plan associated with a secured loan. A periodic payment is received from the borrower in response to the borrower accepting the foreclosure prevention and protection plan. The foreclosure prevention and protection plan allows for at least a portion of a loan payment for the secured loan to be covered by a foreclosure prevention and protection (FPP) entity on behalf of the borrower in response to a covered event occurring. The foreclosure prevention and protection plan additionally may allow for paying/cancelling the debt's investor in response to loss of the property by the borrower.