Patents by Inventor Stephen M. Hourigan

Stephen M. Hourigan has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Automated Loan Risk Assessment System and Method
    Publication number: 20130275293
    Abstract: An automated loan risk assessment system and method are described. The system is adapted to receive information about a loan or an insurance application requesting insurance to cover same. The system calculates a risk score for the loan based on a plurality of risk factors including at least two of a fraud risk factor, a credit risk factor and a property valuation risk factor. The risk score can be used by a loan service provider in deciding whether or not to fund or insure the loan.
    Type: Application
    Filed: June 4, 2013
    Publication date: October 17, 2013
    Inventors: Steven C. Halper, Constance A. Wilson, Stephen M. Hourigan
  • Automated loan risk assessment system and method
    Patent number: 8458082
    Abstract: An automated loan risk assessment system and method are described. The system is adapted to receive information about a loan or an insurance application requesting insurance to cover same. The system calculates a risk score for the loan based on a plurality of risk factors including at least two of a fraud risk factor, a credit risk factor and a property valuation risk factor. The risk score can be used by a loan service provider in deciding whether or not to fund or insure the loan.
    Type: Grant
    Filed: January 14, 2002
    Date of Patent: June 4, 2013
    Assignee: Interthinx, Inc.
    Inventors: Steven C. Halper, Constance A. Wilson, Stephen M. Hourigan
  • Automated loan risk assessment system and method
    Patent number: 8386378
    Abstract: An automated loan risk assessment system and method are described. The system is adapted to receive information about a loan or an insurance application requesting insurance to cover same. The system calculates a risk score for the loan based on a plurality of risk factors including at least two of a fraud risk factor, a credit risk factor and a property valuation risk factor. The risk score can be used by a loan service provider in deciding whether or not to fund or insure the loan.
    Type: Grant
    Filed: October 27, 2010
    Date of Patent: February 26, 2013
    Assignee: Interthinx, Inc.
    Inventors: Steven C. Halper, Constance A. Wilson, Stephen M. Hourigan
  • Automated loan risk assessment system and method
    Patent number: 8315941
    Abstract: An automated loan risk assessment system and method are described. The system is adapted to receive information about a loan or an insurance application requesting insurance to cover same. The system calculates a risk score for the loan based on a plurality of risk factors including at least two of a fraud risk factor, a credit risk factor and a property valuation risk factor. The risk score can be used by a loan service provider in deciding whether or not to fund or insure the loan.
    Type: Grant
    Filed: October 27, 2010
    Date of Patent: November 20, 2012
    Assignee: Interthinx, Inc.
    Inventors: Steven C. Halper, Constance A. Wilson, Stephen M. Hourigan
  • Automated Loan Risk Assessment System and Method
    Publication number: 20110106693
    Abstract: An automated loan risk assessment system and method are described. The system is adapted to receive information about a loan or an insurance application requesting insurance to cover same. The system calculates a risk score for the loan based on a plurality of risk factors including at least two of a fraud risk factor, a credit risk factor and a property valuation risk factor. The risk score can be used by a loan service provider in deciding whether or not to fund or insure the loan.
    Type: Application
    Filed: October 27, 2010
    Publication date: May 5, 2011
    Inventors: Steven C. Halper, Constance A. Wilson, Stephen M. Hourigan
  • Automated loan risk assessment system and method
    Publication number: 20030093366
    Abstract: An automated loan risk assessment system and method are described. The system is adapted to receive information about a loan or an insurance application requesting insurance to cover same. The system calculates a risk score for the loan based on a plurality of risk factors including at least two of a fraud risk factor, a credit risk factor and a property valuation risk factor. The risk score can be used by a loan service provider in deciding whether or not to fund or insure the loan.
    Type: Application
    Filed: January 14, 2002
    Publication date: May 15, 2003
    Inventors: Steven C. Halper, Constance A. Wilson, Stephen M. Hourigan