Systems and methods for maintaining data integrity and security during data transfer between electronic devices

A computer program product for maintaining data integrity and security during data transfer between electronic devices, the computer program product comprising a non-transitory computer-readable medium comprising code causing an apparatus to:

• receive, from a first user device, a first record for initiating a first transaction, wherein the first record comprises first data fields, and wherein:
• the first transaction is a loan trade, the first record comprises an email and a CSV-formatted funding schedule, and the CSV-formatted funding schedule comprises collateral information for settling the loan trade;
• or
• the first transaction is a mortgage-backed security trade, the first record comprises an email and a CSV-formatted pool settlement, and the CSV-formatted pool settlement comprises information associated with the mortgage-backed security trade;
• determine, using a pluggable data driver and either a funding data adapter or a pool settlement data adapter of a data adapter of the apparatus, first relationships between the first data fields in the CSV-formatted funding schedule or the CSV-formatted pool settlement, wherein the data adapter is configured to analyze records for initiating transactions to identify relationships between data fields in the records, wherein the data adapter comprises a pluggable data driver of a Regulated Extract Transform Loading (RETL) process, and wherein the data adapter comprises:
• the funding data adapter configured to analyze and extract data from collateral funding schedules for loan trade settlements;
• and
• the pool settlement data adapter configured to analyze and extract data from pool settlements for mortgage-backed security trade settlements;
• determine, using a data engine of the apparatus, whether the first record comprises required information for conducting the loan trade or the mortgage-backed security trade based on a messaging standard and based on the first relationships between the first data fields, wherein the data engine is configured to generate standard-compliant messages for initiating transactions based on the records;
• generate, using the data engine and in response to determining that the first record comprises required information for conducting the loan trade or the mortgage-backed security trade, a first message using the messaging standard and based on first transaction data in the first data fields by mapping data from the CSV-formatted funding schedule or the CSV-formatted pool settlement to categories and elements of the messaging standard in XML and JSON;
• and
• transmit the first message via a transaction network to a system for conducting transactions, wherein transmitting the first message to the system causes the system to conduct the loan trade or the mortgage-backed security trade.

A method for maintaining data integrity and security during data transfer between electronic devices, the method comprising:

• receiving, from a first user device, a first record for initiating a first transaction, wherein the first record comprises first data fields, and wherein:
• the first transaction is a loan trade, the first record comprises an email and a CSV-formatted funding schedule, and the CSV-formatted funding schedule comprises collateral information for settling the loan trade;
• or
• the first transaction is a mortgage-backed security trade, the first record comprises an email and a CSV-formatted pool settlement, and the CSV-formatted pool settlement comprises information associated with the mortgage-backed security trade;
• determining, using a pluggable data driver and either a funding data adapter or a pool settlement data adapter of a data adapter of the apparatus, first relationships between the first data fields in the CSV-formatted funding schedule or the CSV-formatted pool settlement, wherein the data adapter is configured to analyze records for initiating transactions to identify relationships between data fields in the records, wherein the data adapter comprises the pluggable data driver of a Regulated Extract Transform Loading (RETL) process, and wherein the data adapter comprises:
• the funding data adapter configured to analyze and extract data from collateral funding schedules for loan trade settlements;
• and
• the pool settlement data adapter configured to analyze and extract data from pool settlements for mortgage-backed security trade settlements;
• determining, using a data engine of the apparatus, whether the first record comprises required information for conducting the loan trade or the mortgage-backed security trade based on a messaging standard and based on the first relationships between the first data fields, wherein the data engine is configured to generate standard-compliant messages for initiating transactions based on the records;
• generating, using the data engine and in response to determining that the first record comprises required information for conducting the loan trade or the mortgage- backed security trade, a first message using the messaging standard and based on first transaction data in the first data fields by mapping data from the CSV-formatted funding schedule or the CSV-formatted pool settlement to categories and elements of the messaging standard in XML and JSON;
• and
• transmitting the first message via a transaction network to a system for conducting transactions, wherein transmitting the first message to the system causes the system to conduct the loan trade or the mortgage-backed security trade.