Methods and systems for automated data collection and analysis

A computer system for automated processing of documents in a database having at least one record therein, the system comprising:

• a data input device to receive first information stored in an asset document file related to an asset from an input source on a flow basis including to receive the first information as the first information becomes available for entry, wherein information from a plurality of the asset document files related to the asset comprises a record;
• a storage device for storing the record;
• a processor in communication with at least one computer readable memory including stored computer executable instructions that, when executed by the processor, cause the processor to:
• receive in at least one document file comprising asset data stored therein in preparation for securitization of multiple assets, wherein at least one of the multiple assets comprises an issued commercial mortgage loan, wherein the commercial mortgage loan is ready for securitization;
• receive preexisting asset data generated by a first party to the commercial mortgage loan, wherein the asset data stored in the document file is generated by a second party to the commercial mortgage loan, wherein the first party and the second party are distinct, and wherein at least one of the preexisting asset data generated by the first party and the asset data comprised by the document file generated by the second party reflects a physical inspection of a property covered by the issued commercial mortgage loan;
• transmit the document file into the database on a near real time basis as the asset data stored in the document file becomes available for entry into the database;
• inventory the document file into an associated record in the database on a flow basis as the asset data in the document file becomes available for inventorying, including collecting asset data from the document file independently of an end use of the document file;
• when the asset data stored in the document file relates to preexisting asset data contained within the at least one record stored in the database, compare the asset data stored in the document file to the preexisting asset data contained in the at least one record;
• generate a data mismatch alert when the asset data stored in the document file does not match the preexisting asset data contained in the at least one record;
• provide the data mismatch alert to a user of the computer system via a user interface;
• analyze the asset data stored in the document file in near real time as the asset data become available to determine compliance with at least one preprogrammed banking rule for securitizing multiple financial instruments;
• generate a banking rule alert when the contents of the document file do not comply with the at least one preprogrammed banking rule for securitizing multiple financial instruments;
• provide the banking rule alert to the user of the computer system via the user interface;
• and
• provide specific output data from the at least one record in the database to a user on demand, wherein the output data includes asset data related to the multiple assets pertaining to a securitization of the multiple assets.

An apparatus, comprising:

• a computer readable memory;
• the computer readable memory including stored computer executable instructions that, when executed by a processor, cause the processor to:
• receive in at least one document file comprising asset data stored therein in preparation for securitization of multiple assets, wherein at least one of the multiple assets comprises an issued commercial mortgage loan, wherein the commercial mortgage loan is ready for securitization;
• transmit the document file into the database on a near real time basis as the asset data stored in the document file becomes available for entry into the database;
• receive preexisting asset data generated by a first party to the commercial mortgage loan, wherein the asset data stored in the document file is generated by a second party to the commercial mortgage loan, wherein the first party and the second party are distinct, and wherein at least one of the preexisting asset data generated by the first party and the asset data comprised by the document file generated by the second party reflects a physical inspection of a property covered by the issued commercial mortgage loan;
• inventory the document file into an associated record in the database on a near real time basis as the asset data in the document file becomes available for inventorying, including collecting asset data from the document file independently of an end use of the document file;
• when the asset data stored in the document file relates to preexisting asset data contained within the at least one record stored in the database, compare the asset data stored in the document file to the preexisting asset data contained in the at least one record;
• generate a data mismatch alert when the asset data stored in the document file does not match the preexisting asset data contained in the at least one record;
• provide the data mismatch alert to a user of the apparatus via a user interface;
• analyze the asset data stored in the document file in near real time as the asset data become available to determine compliance with at least one preprogrammed banking rule for securitizing multiple financial instruments;
• generate a banking rule alert when the contents of the document file do not comply with the at least one preprogrammed banking rule for securitizing multiple financial instruments;
• provide the banking rule alert to the user of the apparatus via the user interface;
• and
• provide specific output data from the at least one record in the database to a user on demand, wherein the output data includes asset data related to the multiple assets pertaining to a securitization of the multiple assets.

An apparatus, comprising:

• a computer readable memory storage;
• the computer readable memory storage including stored computer executable instructions that, when executed by a processor, cause the processor to:
• receive in at least one document file comprising asset data stored therein in preparation for securitization of multiple assets, wherein at least one of the multiple assets comprises an issued commercial mortgage loan, wherein the commercial mortgage loan is ready for securitization;
• transmit the document file into the database on a near real time basis as the asset data stored in the document file becomes available for entry into the database;
• receive preexisting asset data generated by a first party to the commercial mortgage loan, wherein the asset data stored in the document file is generated by a second party to the commercial mortgage loan, wherein the first party and the second party are distinct, and wherein at least one of the preexisting asset data generated by the first party and the asset data comprised by the document file generated by the second party reflects a physical inspection of a property covered by the issued commercial mortgage loan;
• inventory the document file into an associated record in the database on a near real time basis as the asset data in the document file becomes available for inventorying, including collecting asset data from the document file independently of an end use of the document file;
• when the asset data stored in the document file relates to preexisting asset data contained within the at least one record stored in the database, compare the asset data stored in the document file to the preexisting asset data contained in the at least one record;
• generate a data mismatch alert when the asset data stored in the document file does not match the preexisting asset data contained in the at least one record;
• provide the data mismatch alert to a user of the apparatus via a user interface;
• analyze the asset data stored in the document file in near real time as the asset data become available to determine compliance with at least one preprogrammed banking rule for securitizing multiple financial instruments;
• generate a banking rule alert when the contents of the document file do not comply with the at least one preprogrammed banking rule for securitizing multiple financial instruments;
• provide the banking rule alert to the user of the apparatus via the user interface;
• and
• provide specific output data from the at least one record in the database to a user on demand, wherein the output data includes asset data related to the multiple assets pertaining to a securitization of the multiple assets.