- 专利标题: Intelligent data matching and validation system
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申请号: US16803640申请日: 2020-02-27
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公开(公告)号: US11416926B1公开(公告)日: 2022-08-16
- 发明人: Thomas William Showalter , Chad Wille
- 申请人: Candor Technology Inc.
- 申请人地址: US FL The Villages
- 专利权人: Candor Technology Inc.
- 当前专利权人: Candor Technology Inc.
- 当前专利权人地址: US FL The Villages
- 代理机构: Morris, Manning & Martin, LLP
- 代理商 Daniel E. Sineway, Esq.
- 主分类号: G06Q10/10
- IPC分类号: G06Q10/10 ; G06Q40/02 ; G06N3/04 ; G06F16/27 ; H04L9/32 ; G06N3/08 ; H04L9/00
摘要:
An intelligent data matching and validation system, and associated methods, are disclosed. The system includes various processors, databases, and immutable ledgers for analyzing data such as, but not limited to, loan data. The system leverages intelligent resources such as Bayesian inference networks for determining high correlation events representative of likely outcomes based on data parameters. The system automatically updates the Bayesian inference network's weighted coefficients in response to processing loan data and corresponding target events, such as repurchase requests. The system stores outcomes from the Bayesian inference networks, as well as loan histories and associated loan data, in a ledger that is accessible to third parties via a unique cryptographic token. In one embodiment, the system conducts an intelligent underwriting of a loan or other financial asset, leveraging its access to and ability to interpret and compare data from multiple sources that lead to the intelligent underwriting of a loan.
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