What is claimed is:
1. A memory structure, comprising:
at least a first gate structure of a periphery device and at least a second gate structure on a substrate of a memory device;
a first spacer on a sidewall of said first gate structure and on a sidewall of said second gate structure, wherein said first spacer comprises a first dielectric layer;
a second spacer on said sidewall of said first gate structure, wherein said second spacer comprises a second dielectric layer and a third dielectric layer; and
a contact between two of said second gate structure.
2. The structure according to claim 1, wherein said first gate structure will be a logic device after an implanting process.
3. The structure according to claim 1, wherein said second gate structure will be a DRAM after an implanting process.
4. The structure according to claim 1, wherein said first dielectric layer is silicon nitride.
5. The structure according to claim 1, further comprises a liner oxide layer on said substrate, said first gate structure, and said second gate structure.
6. The structure according to claim 1, wherein said second dielectric layer is with an etching rate between the etching rate of said first dielectric layer and said third dielectric layer.
7. The structure according to claim 1, wherein said contact is formed by a self-alignment contact formation.
8. A memory structure, wherein the memory structure comprises at least a periphery device and at least a memory device, comprising:
at least a first gate structure of said periphery device and at least a second gate structure of said memory device on a substrate;
a first dielectric layer on a sidewall of said first gate structure and on a sidewall of said second gate structure;
a second dielectric layer on said first dielectric layer;
a third dielectric layer on said second dielectric layer; and
a blanket of interpoly dielectric layer on said substrate, said first gate structure, and said second gate structure.
9. The structure according to claim 8, wherein said first gate structure will be a periphery device after an implanting process.
10. The structure according to claim 8, wherein said second gate structure will be a memory device after an implanting process.
11. The structure according to claim 8, wherein said second dielectric layer is with an etching rate between the etching rate of said first dielectric layer and said third dielectric layer.
12. The structure according to claim 8, wherein said second dielectric layer is silicon oxide nitride.
13. The structure according to claim 8, further comprises a liner oxide layer on said substrate, said first gate structure, and second gate structure.
14. The structure according to claim 8, further comprises a self-alignment contact between two of said second gate structure.
15. A method for fabricating a memory structure, comprising:
providing at least a first gate structure and a second gate structure on a substrate;
implanting ions into said substrate;
forming a first dielectric layer on said first gate structure and said second gate structure;
etching said first dielectric layer to form a first spacer on a sidewall of said first gate structure and a sidewall of said second gate structure;
forming a second dielectric layer on said first gate structure and said second gate structure;
forming a third dielectric layer on said second dielectric layer;
removing portion of said third dielectric layer and said second dielectric layer to form a second spacer on said sidewall of said first gate structure;
forming a blanket of interpoly dielectric layer over said substrate; and
forming a contact between two of said second gate structure.
16. The method according to claim 15, further comprises a step for forming a liner oxide layer on said substrate, said first gate structure, and said second gate structure, before the formation of said first dielectric layer.
17. The method according to claim 15, wherein said first gate structure is a periphery device after an implanting process.
18. The method according to claim 15, wherein said second gate structure is a memory device after an implanting process.
19. The method according to claim 15, wherein said second dielectric layer is with an etching rate between the etching rate of said first dielectric layer and the etching rate of said second dielectric layer.
20. The method according to claim 15, wherein said second dielectric layer is silicon oxide nitride.
21. The method according to claim 15, wherein said second dielectric layer is silicon oxide nitride.
22. The method according to claim 15, wherein said contact is formed by a self-alignment contact formation.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
We claim:
1. A computer implemented method for generation of a set of required procedures for processing a mortgage loan using an Internet based system having a client loan origination system electronically coupled to an automatic compliance engine, the method comprising the acts of:
the automatic compliance engine receiving a request to process a mortgage loan from the client loan origination system;
the automatic compliance engine generating a plurality of tasks, the tasks comprising actions required to process the mortgage loan, including tasks required by applicable federal or state law; and
the automatic compliance engine distributing one or more of the tasks to the client loan origination system.
2. The computer implemented method for automated processing a mortgage loan of claim 1 comprising the additional act of the automatic compliance engine monitoring completion of the plurality of tasks whereby a report of completion of all required tasks can be generated.
3. The computer implemented method for automated processing of a mortgage loan of claim 1 comprising the additional act of the automatic compliance engine authenticating a person submitting the request to process a mortgage loan.
4. The computer implemented method for automated processing of a mortgage loan of claim 1 wherein the plurality of tasks required to process the mortgage loan are based upon mortgage loan related laws and regulations comprising Federal, State, local and professional regulations and requirements and implementing instructions relating to mortgage loan processing.
5. The computer implemented method for automated processing of a mortgage loan of claim 1 wherein the client loan origination system communicates with the automatic compliance engine using an XML format according to an application programming interface (API) controlled by the automatic compliance engine.
6. The computer implemented method for automated processing of a mortgage loan of claim 1 wherein the client loan origination system communicates with the automatic compliance engine using a web page developed for use with the automatic compliance engine.
7. An apparatus for automated processing of a mortgage loan comprising:
an automatic compliance engine having logic mechanisms programmed to generate a plurality of tasks, the tasks comprising actions required to process the mortgage loan, including tasks required by applicable federal or state law;
the automatic compliance engine coupled electronically to a client loan application system;
the automatic compliance engine having communications devices for receiving a request to process a mortgage loan from the client loan application system; and
the automatic compliance engine having additional logic mechanisms programmed to electronically distribute one or more of the tasks to the client loan application system.
8. The apparatus of claim 7 further comprising electronic logic devices in the compliance engine programmed to monitor completion of the plurality of tasks and to generate a report of completion of all required tasks.
9. The apparatus of claim 7 wherein the compliance engine communicates with the client loan application system using an XML format according to an API controlled by the compliance engine.
10. The apparatus of claim 7 wherein the plurality of tasks generated by the compliance engine which are required to process the mortgage loan are based upon mortgage loan related laws and regulations comprising Federal, State, local and professional regulations and requirements and implementing instructions relating to mortgage loan processing.
11. An apparatus for automated processing of a mortgage loan comprising:
means for receiving a request to process a mortgage loan from a client loan application system;
means, coupled to the means for receiving a request to process a mortgage loan from a client loan application system, for generating a plurality of tasks, the tasks comprising actions required to process the mortgage loan, including tasks required by applicable federal or state law; and
means, coupled to the means for generating a plurality of tasks required to process the mortgage loan, for electronically distributing one or more of the plurality of tasks to the client loan application system.
12. In a network having a user node including a browser program coupled to said network, said user node under the control of a client loan application system for providing requests for information and providing mortgage loan application related commands on said network, a network node comprising:
a mortgage loan processing server node responsive to a request from said user node to process a mortgage loan, whereby said mortgage loan processing server node provides a first mechanism for generating a plurality of tasks, the tasks comprising actions required to process the mortgage loan, including tasks required by applicable federal or state law; and provides a second mechanism coupled to the first mechanism, for distributing one or more of the plurality of tasks to the user node.
13. The network node of claim 12 wherein the mortgage loan processing server node provides a third mechanism to electronically communicate with the user node using an XML format for an API controlled by the mortgage loan processing server node.
14. The network node of claim 12 wherein the actions required to process the mortgage loan are based upon mortgage loan related laws and regulations comprising Federal, State, local and professional regulations and requirements and implementing instructions relating to loan processing.
15. A computer program product stored on a computed useable medium, comprising;
a first computer readable program mechanism for receiving a request to process a mortgage loan from a client loan application system;
a second computer readable program mechanism for generating a plurality of tasks, the plurality of tasks comprising actions required to process the mortgage loan, including tasks required by applicable federal or state law; and
a third computer readable code mechanism for distributing one or more of the plurality of tasks to the client loan application system.
16. The computer program product of claim 15 comprising a fourth computer readable code mechanism for monitoring completion of the plurality of tasks whereby a report of completion of all required tasks can be generated.
17. The computer program product of claim 15 wherein the plurality of tasks required to process the mortgage loan are based upon loan related laws and regulations comprising Federal, State, local and professional regulations and requirements and implementing instructions relating to mortgage loan processing.
18. The computer program product of claim 15 wherein the communications with the client loan application comprises messages containing data in XML format.