# US 11,443,371 B2 · Due diligence in electronic documents

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- Number: US 11,443,371 B2
- Document ID: US11443371B2
- Status: Granted
- Kind: B2
- Application number: 16/877,665
- 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/US11443371B2

## 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 system comprising:
a hardware processor; and
a memory device, the memory device storing instructions, the instructions when executed causing the hardware processor to perform operations, the operations comprising:
receiving a block of data in a blockchain, the block of data comprising a due diligence file for a due diligence associated with an electronic document, wherein the due diligence file comprises (i) a first sourcing data associated with an original version of the electronic document, (ii) a cryptographic audit key representing a first portion of the original version of the electronic document, where the cryptographic audit key is generated by hashing the first portion of the original version of the electronic document using a cryptographic hashing algorithm, and (iii) a second sourcing data associated with a current version of the electronic document;
using the second sourcing data, retrieving the current version of the electronic document;
generating a verification hash value by hashing a portion of the current version of the electronic document using the 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;
invoking a timer associated with the due diligence, the timer incrementing from an initial time to a final time determined by an interval of time specified by the due diligence file;
comparing the verification hash value to the cryptographic audit key; and
performing one of (i) in response to an expiration of the interval of time, declining further access to the due diligence file, (ii) if, prior to the expiration of the interval of time, the verification hash value matches the cryptographic audit key, determining that the current version of the electronic document is authentic, and (iii) if, prior to the expiration of the interval of time, the verification hash value fails to match the cryptographic audit key, determining that the current version of the electronic document is inauthentic.

### Claim 2 (depends on 1)

The system of claim 1, wherein the operations further comprise distributing the verification hash value via the blockchain.

### Claim 3 (depends on 1)

The system of claim 1, wherein the operations further comprise retrieving a metadata from the due diligence file, the metadata associated with the original version of the electronic document.

### Claim 4 (depends on 1)

The system of claim 1, wherein the first portion of the original version of the electronic document comprises the complete electronic document.