Robert E Dowell

US Patent:

20050203839, Sep 15, 2005

Filed:

Dec 3, 2004

Appl. No.:

10/904911

Inventors:

Robert Dowell - Golden CO, US
Michael Lau - Boulder CO, US

Assignee:

Phoenix Analytic Services, Inc. - Denver CO

International Classification:

G06F017/60

US Classification:

705039000

Abstract:

Abstract of the DisclosureA system and method is provided for marketing and selling mortgage servicing rights (MSR). The method includes setting a contract price for the sale of MSR that are to be originated in the future. A buyer and a seller enter into a purchase and sale agreement in which the buyer commits to purchase the MSR for loans to be originated in the future, and the seller agrees to sell the MSR on those loans at a fixed point in time (MSR sale date). The price for each MSR is determined at the time of the sale based upon an agreed to pricing grid that contains price adjustments for differences between loan interest rates and par interest rates on the MSR sale date.

US Patent:

20150061332, Mar 5, 2015

Filed:

Aug 27, 2014

Appl. No.:

14/470321

Inventors:

Robert Christopher Dowell - Marietta GA, US

International Classification:

A47C 7/62

US Classification:

29718801

Abstract:

Embodiments of a chair accessory article are described. In one embodiment, the article includes a flexible spread, a cushion attached to one end of the flexible spread, and a pouch attached to another end of the flexible spread. The article may be draped over a chair to provide a back, neck, or head rest on one end, and a pouch to store items off the ground on another end. The article may also include a handle at a proximate center of the flexible spread, for carrying the article. In some embodiments, the article may also include a stiffener affixed to the flexible spread at the proximate center of the flexible spread.