Electronic loan processing, management and quality assessment
AssigneeFiserv, Inc.
InventorsJay Joseph Coomes, James Lee Gillespie, Gregory Scott Lehman
Life of this patent
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Abstract
Systems, methods, and computer-readable media for performing various automated processing of loan documents are disclosed. The automated processing may include, for example, electronic processing of loan documents, quality assessment processing to determine an accuracy of information included in the loan documents, tracking and management processing to determine quality characteristics associated with a loan package and candidacy for consideration for delivery to one or more intended recipients, and pre-delivery and delivery processing to further confirm or reject a loan package's candidacy for delivery and to prepare the loan package for delivery.
Claims49
A system, comprising:
- at least one processor;
- and
- at least one memory storing computer-executable instructions,
- wherein the at least one processor is configured to access the at least one memory and to execute the computer-executable instructions to:
- identify a set of one or more electronic loan documents;
- perform classification processing to determine a respective classification for each electronic loan document in the set of one or more electronic loan documents;
- perform extraction processing to extract a set of one or more data elements, wherein each data element in the set of one or more data elements is extracted from a respective corresponding electronic loan document based at least in part on the respective classification;
- identify a set of one or more textual comparisons, wherein each textual comparison in the set of one or more textual comparisons specifies a comparison to be performed between a respective at least one data element in the set of one or more data elements and a respective at least one data element from an external data source;
- perform comparison processing based at least in part on the set of one or more textual comparisons to generate a set of one or more comparison results;
- and
- determine, based at least in part on at least a portion of the set of one or more comparison results, whether the loan is a candidate for delivery to one or more target parties.
A method, comprising:
- identifying, by the loan processing system, a set of one or more electronic loan documents;
- performing, by the loan processing system, classification processing to determine a respective classification for each electronic loan document in the set of one or more electronic loan documents;
- performing, by the loan processing system, extraction processing to extract a set of one or more data elements, wherein each data element in the set of one or more data elements is extracted from a respective corresponding electronic loan document based at least in part on the respective classification;
- identifying, by the loan processing system, a set of one or more textual comparisons, wherein each textual comparison in the set of one or more textual comparisons specifies a comparison to be performed between a respective at least one data element in the set of one or more data elements and a respective at least one data element from an external data source;
- performing, by the loan processing system, comparison processing based at least in part on the set of one or more textual comparisons to generate a set of one or more comparison results;
- and
- determining, by the loan processing system and based at least in part on at least a portion of the set of one or more comparison results, whether the loan is a candidate for delivery to one or more target parties.
Dependencies are inferred from the claim text.