John Sanford Kemper

6999942, Feb 14, 2006

Dec 30, 2002

10/331848

John L. Kemper - Vienna VA, US
F. Scott Whipple - Silver Spring MD, US
Timothy M. McLuckie - Rockville MD, US

Fannie Mae - Washington DC

G06F 17/60

705 38, 705 35, 705 36

A computer-implemented cash flow decomposition and repackaging system comprises processing logic and a graphical user interface which is coupled to the processing logic. The processing logic decomposes each of a plurality of home mortgage loans into a plurality of sub-loan level cash flows and repackages the plurality of sub-loan level cash flows to form a plurality of financial assets backed by the plurality of sub-loan level cash flows in accordance with operator inputs. The user interface displays indicia representative of the sub-loan level cash flows, the financial assets, and a relationship between the plurality of sub-loan level cash flows and the plurality of financial assets, including a manner in which at least some cash flows are traceable back to one or more of the plurality of home mortgage loans.

7461020, Dec 2, 2008

Dec 17, 2003

10/738838

John L. Kemper - Vienna VA, US
Mark D. Mathewson - Silver Spring MD, US
Navdeep Singh - Leesburg VA, US

Fannie Mae - Washington DC

G06Q 40/00

705 35, 705 37

A system for creating an agreement and tracking compliance with terms of an agreement between a seller and a purchaser for the sale of loans includes deal management logic and a rules processor. The deal management logic is configured to store and track the terms of the agreement using a set of business rules. The rules processor comprises the set of business rules and is configured to facilitate adding or editing at least one business rule based on at least one term of the agreement. In addition, the rules processor is configured to access the business rules to assess compliance with the terms of the agreement during delivery of the loans. The system may also include pricing logic that is configured to create a set of price data based on the at least one term of the agreement.

7593889, Sep 22, 2009

Dec 30, 2002

10/331811

Franklin D. Raines - Washington DC, US
Julie G. St. John - Washington DC, US
Michael A. Quinn - Potomac MD, US
Robert A. Lewis - Potomac MD, US
William F. Farrell - Vienna VA, US
John L. Kemper - Vienna VA, US

Fannie Mae - Washington DC

G06Q 40/00

705 38, 705 35, 705 37

A data processing system for processing loan data comprises acquisition logic, reporting logic, and financial asset generation logic. The acquisition logic is configured to receive information pertaining to loan term, interest rate, principal owed and other parameters for a plurality of loans. The reporting logic is configured to receive payment information regarding borrower payments in connection with the plurality of loans. The financial asset generation logic is configured to facilitate creation and maintenance of a plurality of financial assets backed by the plurality of loans. The acquisition logic, the reporting logic, and the financial asset generation logic are provided on a common integrated data processing platform.

7742981, Jun 22, 2010

Dec 16, 2004

11/015041

John L. Kemper - Vienna VA, US

Fannie Mae - Washington DC

G06Q 40/00

705 38, 705 35

An Internet-enabled interface for receiving commitments to sell mortgage loans. The interface includes a plurality of loan commitment input fields configured to receive loan commitment data. The data input fields include at least a loan type input field, a commitment amount input field, and a commitment period input field. The interface further includes at least one loan commitment output field including loan commitment price information; and a loan commitment transaction button configured to initiate automatic processing of the loan commitment data to create a loan commitment.

7747519, Jun 29, 2010

Dec 16, 2003

10/737298

John L. Kemper - Vienna VA, US
David A. Coleman - Fairfax VA, US

Fannie Mae - Washington DC

G06Q 40/00

705 38, 705 35

A system for verifying loan data for a loan being delivered by a seller to a purchaser includes underwriting logic that generates a set of underwriting data for a loan and delivery logic that receives a set of delivery data for the loan from the seller and processes the delivery data. The delivery logic includes comparison logic that compares the underwriting data for the loan and the delivery data for the loan to determine any differences. If there are differences between the underwriting data and the delivery data for the loan, yield adjustments and fees may be determined for the loan based on the differences.

7797213, Sep 14, 2010

Apr 11, 2007

11/786552

John L. Kemper - Vienna VA, US
F. Scott Whipple - Silver Spring MD, US
Timothy M. McLuckie - Rockville MD, US

Fannie Mae - Washington DC

G06Q 40/00

705 35, 705 37

A data construct represents a financial asset in a data processing system. The data construct comprises description data, a cash flow map, and process instructions. The description data further comprises creation, purpose, and transaction information data describing the financial asset. The cash flow map further comprises information on cash flows that flow into the financial asset. The process instructions include information on cash flow processing for the cash flows that flow into the financial asset.

7809633, Oct 5, 2010

Dec 16, 2003

10/737084

John L. Kemper - Vienna VA, US
David N. Voth - Oakton VA, US
Peter G. Kopperman - Bethesda MD, US

Fannie Mae - Washington DC

G06Q 40/00

705 38, 705 35

A system is provided for generating pricing information regarding loans where each loan has loan level data and is associated with a borrower. The system includes a pricing engine for generating a price for each loan including an interest rate component and a credit risk component. The credit risk component is generated based on loan level data for the particular loan.

7885889, Feb 8, 2011

Dec 16, 2004

11/015702

Dror Oppenheimer - Potomac MD, US
Maryann Bastnagel - Potomac MD, US
John L. Kemper - Vienna VA, US
Mark D. Mathewson - Silver Spring MD, US
Navdeep Singh - Leesburg VA, US

Fannie Mae - Washington DC

G06Q 30/00

705 38, 705 35, 705 36, 705 37, 705 39, 705 40, 705 43

A data processing system for processing loan data for a plurality of loans including a data storage system configured to store loan data for the plurality of loans and a user interface including one or more web pages configured to enable a servicer using a remote computing system to transfer loan data over the Internet to and from the data processing system. The user interface includes a loan activity processing function configured to receive servicer loan data including loan activity data from the servicer, a trial balance processing function configured to enable the servicer to submit servicer loan data for comparison with the stored loan data, and a loan level browsing function configured to allow the servicer to view stored loan data. The data processing system further includes loan process and compare logic which includes an amortization/calculation processor configured to perform validation calculations on servicer loan data based on stored loan data, a loan activity processor configured to process the loan activity data, validate the loan activity data based on the stored loan data, and update the stored loan data based on the loan activity data. The loan process and compare logic further includes a trial balance processor configured to compare servicer loan data with stored loan data.