# US 11,907,299 B2 · System and method for implementing a securities analyzer > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,907,299 B2 - Document ID: US11907299B2 - Status: Granted - Kind: B2 - Application number: 17/449,541 - Filed: 2021-09-30 - Published: 2022-01-20 - Granted: 2024-02-20 - Earliest claimed: 2017-10-13 - Assignees: Kpmg LLP - Applicants: Kpmg LLP - Inventors: Joseph Gwozdz; Timothy J. Cerino; Binoy Palakkal; Jesse David Koller - Web page: https://patentgrep.com/patent/US11907299B2 ## CPC - G06F 16/90332: {Natural language query formulation or dialogue systems} - G06F 16/116: {Details of conversion of file system types or formats} - G06F 16/1794: {Details of file format conversion} - G06F 16/285: {Clustering or classification} - G06F 16/35: Clustering; Classification - G06F 40/131: Fragmentation of text files, e.g. creating reusable text-blocks; Linking to fragments, e.g. using XInclude; Namespaces - G06F 40/14: Tree-structured documents (parsing G06F40/205; validation G06F40/226) - G06F 40/169: Annotation, e.g. comment data or footnotes - G06F 40/20: Natural language analysis (semantic analysis of natural language G06F40/30) - G06F 40/205: Parsing - G06F 40/216: using statistical methods - G06F 40/295: Named entity recognition - G06F 40/30: Semantic analysis - G06F 40/56: Natural language generation - G06N 20/00: Machine learning - G06V 30/41: Analysis of document content (recognition of printed characters based on code marks G06V30/224) - G06V 30/413: Classification of content, e.g. text, photographs or tables - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS - G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING ## Abstract The invention relates to computer-implemented systems and methods for analyzing and standardizing various types of input data such as structured data, semi-structured data, unstructured data, and images and voice. Embodiments of the systems and the methods further provide for generating responses to specific questions relating to certain rates and terms, such as LIBOR, as well as complex legal constructs, such as interest rate fallback waterfalls, for risk assessment and mitigation. The present invention performs environmental, social, governance analytics on asset-backed securities including commercial mortgage-backed securities. ## Claims ### Claim 1 A computer-implemented method for implementing a securities analyzer tool that analyzes structured and unstructured securities data, the method comprising: Identifying, by a server, one or more data sources of securities documentation; identifying, by the server, a set of questions; identifying, by the server, a security instrument and a corresponding set of documents to be analyzed; and applying an artificial intelligence process to the corresponding set of documents, the artificial intelligence process comprising the steps of: generating, for the at least one input file, a converted file in a data format that is standardized for a plurality of input file types and that includes at least one element; wherein the at least one element is associated with an element identifier and an element type, and is stored in a non-hierarchical relationship format; generating at least one expression, wherein the expression comprises an expression string in a domain-specific language; reading, via a machine review portion of the artificial intelligence process, the at least one expression; applying, via the machine review portion of the artificial intelligence process, the at least one expression to the converted file to automatically generate a response to each of the set of questions; and generating, via an interactive user interface, data relating to the security instrument and the response to each of the set of questions; and applying, by the server, the response to each of the set of questions as feedback to the artificial intelligence process to improve the accuracy of the artificial intelligence process. ### Claim 2 (depends on 1) The method of claim 1, wherein the set of questions relate to one or more of: LIBOR rate reference, permanent successor rate, explicit replacement rate, temporary cessation language and fallback sequence. ### Claim 3 (depends on 1) The method of claim 1, wherein the one or more data sources comprises one or more of: public documents, third party documents and private client documents. ### Claim 4 (depends on 1) The method of claim 1, wherein the at least one expression specifies one or more words, a relationship between the one or more words and at least one pattern that identifies document features. ### Claim 5 (depends on 1) The method of claim 1, wherein the at least one expression represents one or more features to be utilized and one or more patterns of the features to be identified. ### Claim 6 (depends on 1) The method of claim 1, wherein the at least one expression is an input to a n intelligent domain engine (IDE) that leverages natural language processing to systematically classify and analyze a corpus of documents. ### Claim 7 (depends on 1) The method of claim 1, wherein the interactive user interface comprises an interactive portion that displays document support and justification for the response. ### Claim 8 (depends on 1) The method of claim 1, wherein the interactive user interface receives an override input from a user relating to the response. ### Claim 9 (depends on 1) The method of claim 1, wherein the interactive user interface supports amendment generation and downstream processes. ### Claim 10 (depends on 1) The method of claim 1, wherein the interactive user interface comprises a summary view, an asset view and a document view. ### Claim 11 A system for implementing a securities analyzer tool that analyzes structured and unstructured securities data, the system comprising: an interface to one or more data sources configured to store and manage securities documentation; and a server configured to: identify a set of questions; identify a security instrument and a corresponding set of documents to be analyzed; apply an artificial intelligence process to the corresponding set of documents, the artificial intelligence process comprising the steps of: generating, for the at least one input file, a converted file in a data format that is standardized for a plurality of input file types and that includes at least one element; wherein the at least one element is associated with an element identifier and an element type, and is stored in a non-hierarchical relationship format; generating at least one expression, wherein the expression comprises an expression string in a domain-specific language; reading, via a machine review portion of the artificial intelligence process, the at least one expression; applying, via the machine review portion of the artificial intelligence process, the at least one expression to the converted file to automatically generate a response to each of the set of questions; and generating, via an interactive user interface, data relating to the security instrument and the response to each of the set of questions; and applying the response to each of the set of questions as feedback to the artificial intelligence process to improve the accuracy of the artificial intelligence process. ### Claim 12 (depends on 11) The system of claim 11, wherein the set of questions relate to one or more of: LIBOR rate reference, permanent successor rate, explicit replacement rate, temporary cessation language and fallback sequence. ### Claim 13 (depends on 11) The system of claim 11, wherein the one or more data sources comprises one or more of: public documents, third party documents and private client documents. ### Claim 14 (depends on 11) The system of claim 11, wherein the at least one expression specifies one or more words, a relationship between the one or more words and at least one pattern that identifies document features. ### Claim 15 (depends on 11) The system of claim 11, wherein the at least one expression represents one or more features to be utilized and one or more patterns of the features to be identified. ### Claim 16 (depends on 11) The system of claim 11, wherein the at least one expression is an input to an intelligent domain engine (IDE) that leverages natural language processing to systematically classify and analyze a corpus of documents. ### Claim 17 (depends on 11) The system of claim 11, wherein the interactive user interface comprises an interactive portion that displays document support and justification for the response. ### Claim 18 (depends on 11) The system of claim 11, wherein the interactive user interface receives an override input from a user relating to the response. ### Claim 19 (depends on 11) The system of claim 11, wherein the interactive user interface supports amendment generation and downstream processes. ### Claim 20 (depends on 11) The system of claim 11, wherein the interactive user interface comprises a summary view, an asset view and a document view.