# US 12,182,860 B2 · Automated lending data collection and verification system and methods > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,182,860 B2 - Document ID: US12182860B2 - Status: Granted - Kind: B2 - Application number: 18/231,654 - Filed: 2023-08-08 - Published: 2023-11-30 - Granted: 2024-12-31 - Earliest claimed: 2016-04-14 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Alan W. Hecht; Ann M. Kirk; Javier S. Silva - Web page: https://patentgrep.com/patent/US12182860B2 ## CPC - G06Q 40/03: Credit; Loans; Processing thereof - 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 ## Abstract A system includes a processing circuit having one or more processors coupled to memory, the processing circuit configured to generate a requestor token comprising information of an applicant and determine verification information is required to process an application associated with the applicant. The processing circuit is further configured to retrieve the verification information based on previously stored information corresponding to the applicant, generate a task comprising a requirement to fulfill based on determining additional information is required, and provide a list of tasks comprising the task to the applicant. ## Claims ### Claim 1 A system comprising: a processing circuit having one or more processors coupled to memory, the processing circuit configured to: generate a requestor token comprising information of an applicant; determine verification information is required to process an application associated with the applicant; retrieve the verification information corresponding with a first document based on previously stored information corresponding to the applicant; receive, from a user device associated with the applicant, a second document comprising additional verification information; automatically extract, by data recognition logic of the processing circuit, the additional verification information from the second document based on a set of taxonomy rules, wherein the extracted additional verification information is extracted according to a document category; generate a task comprising a requirement to fulfill based on the verification information, the additional verification information, and determining additional information is required, wherein generating the task comprises: determining a fulfillment process associated with the task, wherein the fulfillment process defines a reason for the generation of the task; determining a category for the task based on the fulfillment process; and configuring an alert to trigger corresponding with a document based on the category, wherein configuring the alert comprises configuring to notify the applicant when a predetermined amount of time remains before an expiration date; provide a list of tasks comprising the task to the applicant; provide a request for the additional information, wherein the request comprises the requestor token and is transmitted via a real-time data channel between the processing circuit and an information computing system; and wherein providing the request comprises sending the request to an intermediary computing system, wherein the intermediary computing system is in communication with the information computing system, and wherein the intermediary computing system is configured to forward the request to the information computing system via the real-time data channel. ### Claim 2 (depends on 1) The system of claim 1, the processing circuit further configured to: search an internal database to locate the additional verification information associated with the applicant, wherein searching comprises one or more database queries utilizing the requestor token. ### Claim 3 (depends on 2) The system of claim 2, wherein the additional verification information is associated with at least one of a checking account, a savings account, or a money market account held by the applicant, wherein the fulfillment process comprises a parameter. ### Claim 4 (depends on 1) The system of claim 1, wherein the intermediary computing system is an account verification service, and wherein the alert is triggered in response to not receiving the first document by a predetermined time. ### Claim 5 (depends on 4) The system of claim 4, wherein the processing circuit is associated with a financial institution, and wherein the financial institution and one or more external financial institutions are members of the account verification service. ### Claim 6 (depends on 1) The system of claim 1, wherein generating the task further comprises: determine the expiration date by which the task must be completed; and wherein the category is determined for any required documents associated with the task. ### Claim 7 A method comprising: generating, by a processing circuit, a requestor token comprising information of an applicant; determining, by the processing circuit, verification information is required to process an application associated with the applicant; retrieving, by the processing circuit, the verification information corresponding with a first document based on previously stored information corresponding to the applicant; receiving, by the processing circuit from a user device associated with the applicant, a second document comprising additional verification information; automatically extracting, by data recognition logic of the processing circuit, the additional verification information from the second document based on a set of taxonomy rules, wherein the extracted additional verification information is extracted according to a document category; generating, by the processing circuit, a task comprising a requirement to fulfill based on the verification information, the additional verification information, and determining additional information is required, wherein generating the task comprises: determining a fulfillment process associated with the task, wherein the fulfillment process defines a reason for the generation of the task; determining a category for the task based on the fulfillment process; and configuring an alert to trigger corresponding with a document based on the category, wherein configuring the alert comprises configuring to notify the applicant when a predetermined amount of time remains before an expiration date; providing, by the processing circuit, a list of tasks comprising the task to the applicant; providing, by the processing circuit, a request for the additional information, wherein the request comprises the requestor token and is transmitted via a real-time data channel between the processing circuit and an information computing system; and wherein providing the request comprises sending the request to an intermediary computing system, wherein the intermediary computing system is in communication with the information computing system, and wherein the intermediary computing system is configured to forward the request to the information computing system via the real-time data channel. ### Claim 8 (depends on 7) The method of claim 7, further comprising: searching, by the processing circuit, an internal database to locate the additional verification information associated with the applicant, wherein searching comprises one or more database queries utilizing the requestor token. ### Claim 9 (depends on 8) The method of claim 8, wherein the additional verification information is associated with at least one of a checking account, a savings account, or a money market account held by the applicant, wherein the fulfillment process comprises a parameter. ### Claim 10 (depends on 7) The method of claim 7, wherein the intermediary computing system is an account verification service, and wherein the alert is triggered in response to not receiving the first document by a predetermined time. ### Claim 11 (depends on 10) The method of claim 10, wherein the processing circuit is associated with a financial institution, and wherein the financial institution and one or more external financial institutions are members of the account verification service. ### Claim 12 (depends on 7) The method of claim 7, wherein generating the task further comprises: determining, by the processing circuit, the expiration date by which the task must be completed; and wherein the category is determined for any required documents associated with the task. ### Claim 13 One or more non-transitory computer-readable storage media having instructions stored thereon that, when executed by a processing circuit, cause the processing circuit to: generate a requestor token comprising information of an applicant; determine verification information is required to process an application associated with the applicant; retrieve the verification information corresponding with a first document based on previously stored information corresponding to the applicant; receive, from a user device associated with the applicant, a second document comprising additional verification information; automatically extract, by data recognition logic, the additional verification information from the second document based on a set of taxonomy rules, wherein the extracted additional verification information is extracted according to a document category; generate a task comprising a requirement to fulfill based on determining additional information is required, wherein generating the task comprises: determining a fulfillment process associated with the task, wherein the fulfillment process defines a reason for the generation of the task; determining a category for the task based on the fulfillment process; and configuring an alert to trigger corresponding with a document based on the category, wherein configuring the alert comprises configuring to notify the applicant when a predetermined amount of time remains before an expiration date; and provide a list of tasks comprising the task to the applicant; provide a request for the additional information, wherein the request comprises the requestor token and is transmitted via a real-time data channel between the processing circuit and an information computing system; and wherein providing the request comprises sending the request to an intermediary computing system, wherein the intermediary computing system is in communication with the information computing system, and wherein the intermediary computing system is configured to forward the request to the information computing system via the real-time data channel. ### Claim 14 (depends on 13) The one or more non-transitory computer-readable storage media of claim 13, having additional instructions stored thereon that, when executed by the processing circuit, cause the processing circuit to: search an internal database to locate the additional verification information associated with the applicant, wherein searching comprises one or more database queries utilizing the requestor token, wherein the additional verification information is associated with at least one of a checking account, a savings account, or a money market account held by the applicant, and wherein the fulfillment process comprises a parameter.