# US 11,443,370 B2 · Due diligence in electronic documents

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- Number: US 11,443,370 B2
- Document ID: US11443370B2
- Status: Granted
- Kind: B2
- Application number: 16/877,629
- Filed: 2020-05-19
- Published: 2020-09-03
- Granted: 2022-09-13
- Earliest claimed: 2017-03-31
- Assignees: Inveniam Capital Partners, Inc.
- Applicants: Inveniam Capital Partners, Inc.
- Inventors: Paul Snow; Brian Deery; Jason Nadeau; Mahesh Paolini-Subramanya
- Web page: https://patentgrep.com/patent/US11443370B2

## CPC

- G06Q 40/03: Credit; Loans; Processing thereof
- H04L 9/3239: {involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD}
- H04L 9/3247: {involving digital signatures}
- G06Q 2220/10: Usage protection of distributed data files
- H04L 9/50: {using hash chains, e.g. blockchains or hash trees}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

Due diligence of documents is faster and simpler. An electronic mortgage application, for example, often contains or references a collection of many separate electronic documents. Electronic data representing an original version of an electronic document and its current version may be hashed to generate digital signatures. Any auditor may then quickly conduct the due diligence by comparing the digital signatures. If the digital signatures match, then the due diligence reveals that the electronic document has not changed since its creation. However, if the digital signatures do not match, then the electronic document has changed since its creation. The auditor may thus flag the electronic document for additional due diligence. Regardless, a result of the due diligence may be incorporated into one or more blockchains.

## Claims

### Claim 1

A memory device storing instructions that when executed by a hardware processor facilitate performance of operations, the operations comprising:
receiving a due diligence file comprising a cryptographic audit key, an interval of time, and a metadata for an original version of an electronic document, the cryptographic audit key corresponding to a first portion of the original version of the electronic document;
retrieving the cryptographic audit key from the due diligence file;
retrieving the interval of time from the due diligence file;
obtaining a current version of the electronic document for a due diligence;
invoking a timer associated with the due diligence of the electronic document, the timer incrementing from an initial time to a final time determined by the interval of time retrieved from the due diligence file;
generating a verification hash value by hashing a portion of the current version of the electronic document using a cryptographic hashing algorithm, the portion of the current version of the electronic document corresponding to the first portion of the original version of the electronic document;
as the timer increments to the final time determined by the interval of time retrieved from the due diligence file, conducting the due diligence associated with the current version of the electronic document by comparing the verification hash value to the audit key;
determining whether the interval of time retrieved from the due diligence file expired prior to a completion of comparing the verification hash value to the audit key; and
if the interval of time retrieved from the due diligence file is determined to have expired prior to the completion of comparing the verification hash value to the audit key, declining further access to the due diligence file.

### Claim 2 (depends on 1)

The memory device of claim 1, wherein the operations further comprise receiving a blockchain comprising the due diligence file.

### Claim 3 (depends on 1)

The memory device of claim 1, wherein the operations further comprise receiving a blockchain comprising a share of the due diligence file.

### Claim 4 (depends on 1)

The memory device of claim 1, wherein the operations further comprise completing the due diligence associated with the current version of the electronic document prior to expiration of the interval of time retrieved from the due diligence file.

### Claim 5 (depends on 1)

The memory device of claim 1, wherein the operations further comprise generating an alert upon the verification hash value failing to match the cryptographic audit key.

### Claim 6 (depends on 1)

The memory device of claim 1, wherein the first portion of the original version of the electronic document comprises an entirety of the original version of the electronic document.