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US 11,669,914 B2Granted
Adaptive intelligence and shared infrastructure lending transaction enablement platform responsive to crowd sourced information
AssigneeStrong Force TX Portfolio 2018, LLC
InventorCharles Howard Cella
Life of this patent
Estimating the term…
Abstract
A system includes a crowdsourcing request circuit that configures parameter(s) of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan, a crowdsourcing publishing circuit that publishes the crowdsourcing request to a group of information suppliers, and a crowdsourcing communications circuit that collects and processes response(s) from the group of information suppliers, and provides a reward to at least one of the group of information suppliers in response to a successful information supply event.
Claims21
A system, comprising:
- a processor;
- and
- a non-transitory computer-readable storage medium storing instructions for execution by the processor, the instructions including:
- a crowdsourcing request module to configure at least one parameter of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan;
- a crowdsourcing publishing module to publish the crowdsourcing request related to obtaining the information on the condition of the collateral for the loan to a group of information suppliers;
- a crowdsourcing communications module to collect and process at least one response from the group of information suppliers, and to provide a reward to at least one of the group of information suppliers in response to a successful information supply event,
- wherein the at least one response from the group of information suppliers includes the information on the condition of the collateral for the loan, and the crowdsourcing communications module processes the information on the condition of the collateral for the loan;
- and
- a blockchain service module to record the at least one parameter of the crowdsourcing request and the at least one response as data on a distributed ledger including multiple devices that cryptographically verify the data.
6 more elements
A method, comprising:
- configuring at least one parameter of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan;
- publishing the crowdsourcing request related to obtaining the information on the condition of the collateral for the loan to a group of information suppliers;
- collecting and processing at least one response from the group of information suppliers to the crowdsourcing request,
- wherein the at least one response from the group of information suppliers includes the information on the condition of the collateral for the loan, and the processing includes processing the information on the condition of the collateral for the loan;
- providing a reward to at least one supplier of the group of information suppliers in response to a successful information supply event;
- and
- recording the at least one parameter of the crowdsourcing request and the at least one response as data on a distributed ledger including multiple devices that cryptographically verify the data.
4 more elements
An apparatus, comprising:
- a processor;
- and
- a non-transitory computer-readable storage medium storing instructions for execution by the processor, the instructions including:
- a crowdsourcing request module to provide an interface to enable configuration of at least one parameter of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan;
- a crowdsourcing publishing module to publish the crowdsourcing request related to obtaining the information on the condition of the collateral for the loan to a group of information suppliers in response to the crowdsourcing request;
- a crowdsourcing communications module to provide an interface to collect at least one response to the crowdsourcing request from members of the group of information suppliers, and to provide a reward to at least one of the group of information suppliers in response to a successful information supply event,
- wherein the at least one response from the members of the group of information suppliers includes the information on the condition of the collateral for the loan, and the crowdsourcing communications module processes the information on the condition of the collateral for the loan;
- and
- a blockchain service module to record the at least one parameter of the crowdsourcing request and the at least one response as data on a distributed ledger including multiple devices that cryptographically verify the data.
6 more elements
Dependencies are inferred from the claim text.