公开(公告)号：US20230252560A1

公开(公告)日：2023-08-10

申请号：US18169967

申请日：2023-02-16

申请人： Candor Technology Inc.

发明人： Thomas William Showalter ,  Chad Wille

IPC分类号： G06Q40/03 ,  G06N3/08 ,  G06N3/047 ,  G06F16/27 ,  G06Q10/10 ,  H04L9/32

CPC分类号： G06Q40/03 ,  G06N3/08 ,  G06N3/047 ,  G06F16/27 ,  G06Q10/10 ,  H04L9/3234 ,  H04L9/50

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.

公开(公告)号：US20230206323A1

公开(公告)日：2023-06-29

申请号：US18170750

申请日：2023-02-17

申请人： Candor Technology Inc.

发明人： Thomas William Showalter ,  Chad Wille

IPC分类号： G06Q40/03 ,  G06N3/08 ,  G06N3/047 ,  G06F16/27 ,  G06Q10/10 ,  H04L9/32

CPC分类号： G06Q40/03 ,  G06N3/08 ,  G06N3/047 ,  G06F16/27 ,  G06Q10/10 ,  H04L9/3234 ,  H04L9/50

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.

公开(公告)号：US11416926B1

公开(公告)日：2022-08-16

申请号：US16803640

申请日：2020-02-27

申请人： Candor Technology Inc.

发明人： Thomas William Showalter ,  Chad Wille

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.