Systems and methods for processing defaulted loans
OwnerAlex Z. Shapiro, Michele Ann Holmes +1inventors
InventorsAlex Z. Shapiro, Michele Ann Holmes, Robert G. Goldberg
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Abstract
Systems and methods for processing defaulted loans are described. In some embodiments, the systems and methods process a defaulted loan by associating the defaulted loan with a loan state, identifying a loan event that relates the loan state to another loan state, and, based on detecting the identified loan event, performing a loan task associated with the identified loan event.
Claims45
A method for processing a defaulted loan, the method comprising:
- providing a group of loan states, loan events that relate the loan states, and loan tasks that are associated with the loan events, in which at least some of the loan states, the loan events, and the loan tasks are at least partially based on at least one governmental regulation,
- associating the defaulted loan with a loan state,
- identifying a loan event that relates the loan state to another loan state, and
- based on detecting the identified loan event, performing the loan task associated with the identified loan event.
A system for processing a defaulted loan, the system comprising:
- a group of loan states, loan events that relate the loan states, and loan tasks that are associated with the loan events, in which at least some of the loan states, loan events, and loan tasks are at least partially based on at least one governmental regulation, and
- a digital data processing device in communication with the group of loan states and configured to:
- associate the defaulted loan with a loan state,
- identify a loan event that relates the loan state to another loan state, and
- based on detecting the identified loan event, perform the loan task associated with the identified loan event.
A processor-readable medium including instructions for processing a defaulted loan, the processor-readable medium including instructions to cause a processor to:
- receive a group of loan states, loan events that relate the loan states, and loan tasks that are associated with the loan events, in which at least some of the loan states, loan events, and loan tasks are at least partially based on at least one governmental regulation,
- associate a defaulted loan with a loan state,
- identify a loan event that relates the loan state to another loan state, and
- based on detecting the identified loan event, perform the loan task associated with the identified loan event.
Dependencies are inferred from the claim text.