Apparatus, methods, and systems for tracking and accounting for data flow in a loan processing system
US11080293B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Oct 4, 2018 |
| Grant date | Aug 3, 2021 |
| Priority date | — |
| Expiry date | Jun 3, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Apparatus, systems, and methods for auditing (i.e., tracking and accounting for) the flow of data within a loan processing system. The method generally includes aggregating loan data in one or more databases. The aggregation of the loan data is tracked using a blockchain. The aggregated loan data is normalized in a data warehouse. The normalization of the aggregated loan data is tracked using the blockchain. The aggregated and normalized loan data is queried and, in response to querying the aggregated and normalized loan data, the following information is displayed in a human-readable format: the loan data and tracking data. The tracking data is based on: the blockchain's tracking of the aggregation of the loan data; and the blockchain's tracking of the normalization of the aggregated loan data. The loan data includes at least one of loan origination data or loan payment data.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.