公开(公告)号：US11799741B2

公开(公告)日：2023-10-24

申请号：US17082850

申请日：2020-10-28

Applicant: Fannie Mae

Inventor： Jay G. Rudrachar

IPC: H04L41/5009 ,  H04L43/0817 ,  H04L43/06 ,  H04L43/045 ,  H04L41/16

CPC classification number: H04L41/5009 ,  H04L43/045 ,  H04L43/06 ,  H04L43/0817 ,  H04L41/16

Abstract: Disclosed herein are systems, methods, and computer-readable media for enterprise information technology (IT) monitoring. In an embodiment, a method includes collecting system performance data for an enterprise computing environment. The method includes generating at least one cross-stack monitor schema. The cross-stack monitor schema includes at least one of shared services performance data, middleware performance data and infrastructure performance data corresponding to a particular application. The cross-stack monitor schema includes a technology stack component descriptor and a performance parameter. The technology stack component descriptor is identified based on applying reference data to the system performance data. The performance parameter is generated and populated based on the system performance data. The cross-stack monitor schema is linked to an electronic dashboard.

公开(公告)号：US20220309419A1

公开(公告)日：2022-09-29

申请号：US17839030

申请日：2022-06-13

Applicant: Fannie Mae

Inventor： Mark Fisher ,  Christopher Engles ,  Sudha Uppaluri ,  Joy Vaughan

IPC: G06Q10/06

Abstract: Computer systems are used to facilitate the sale of mortgages into the secondary market. For example, the computer systems are used to facilitate the administration of loan delivery and other business rules across multiple customer-facing applications. The computer systems provide a shared service for customer-facing applications to integrate with a centralized business rules engine. The computer systems enable the integrated applications to request specific groups or categories of business rules to be executed by the centralized business rules engine. The computer systems request execution of stored business rules based on a loan, format the results, and provide feedback to the calling applications based on the results.

公开(公告)号：US09836804B2

公开(公告)日：2017-12-05

申请号：US15268902

申请日：2016-09-19

Applicant: FANNIE MAE

Inventor： Megan C. Berry ,  Alexei M. Kisselev ,  Eric Rosenblatt ,  WenXiong Yao ,  Felix G. Meale ,  Adam Davis

IPC: G06F17/30 ,  G06Q50/16 ,  G06F17/50

CPC classification number: G06Q50/163 ,  G06F17/30241 ,  G06F17/30315 ,  G06F17/5009

Abstract: Ranking and displaying comparable properties entails receiving appraisal information comprising a subject property and appraiser-chosen comparable properties corresponding to the subject property. Property data corresponding to a geographical area is accessed, in support of determining model-chosen comparable properties based upon the appropriateness of each of the comparable properties as comparables for the subject property. A map image is displayed for the geographical area, along with indicators on the map image indicative of the subject property, at least one of the appraiser-chosen comparable properties, and at least one of the model-chosen comparable properties.

公开(公告)号：US20150261791A1

公开(公告)日：2015-09-17

申请号：US14208866

申请日：2014-03-13

Applicant: Fannie Mae

Inventor： Megan C. Berry ,  Eric Rosenblatt ,  Jesse Staal ,  David A. Talbird ,  Angela Tseng

IPC: G06F17/30 ,  G06Q40/00 ,  G06Q50/16

CPC classification number: G06Q40/12 ,  G06F16/27 ,  G06Q50/16

Abstract: A system and method may aggregate into a data structure property information from multiple databases, e.g., from all records included in those databases, and upon selection of any subject property or a characteristic thereof curates the often imperfect and discrepant property information to create suggested values. Similarly, the system and method may perform an on-the-fly evaluation of any characteristic of a selected record, when the property information for that characteristic includes an unlikely value, by triggering from the data structure a dynamic extraction of property information corresponding to a subject property of the selected record, where the dynamic extraction further generates and compares a suggested value to the unlikely value.

Abstract translation: 系统和方法可以聚合成来自多个数据库的数据结构属性信息，例如来自包括在这些数据库中的所有记录，并且在选择任何主题属性或其特征时，会设置经常不完美和差异的属性信息以创建建议的值。 类似地，当用于该特性的属性信息包括不太可能的值时，系统和方法可以执行对所选记录的任何特性的即时评估，通过从数据结构触发动态提取对应于 所选记录的主题属性，其中动态提取进一步生成并将建议值与不可能的值进行比较。

公开(公告)号：US20150228037A1

公开(公告)日：2015-08-13

申请号：US14179012

申请日：2014-02-12

Applicant: Fannie Mae

Inventor： Weifeng Wu ,  Zachary Dawson ,  Fotis Gavriil ,  Eric Rosenblatt ,  John Treadwell

IPC: G06Q50/16

CPC classification number: G06Q50/16

Abstract: A comparable property selection system and method employs dynamic gating in the selection of comparable properties. When the most restrictive comparable selection algorithm fails to identify enough comparable sales to use as inputs to the downstream analytics processes, the system does not simply expand the pool or solely expand the corresponding geographical area. Instead, the system automatically loosens and tightens property search filters iteratively to expand and shrink the size of a local geographic and economic market to locate comparables that have property characteristics that most closely reflect the real estate market considerations a buyer, or an appraiser acting as a buyer, would evaluate in a heterogeneous market.

Abstract translation: 可比较的属性选择系统和方法采用动态门控来选择可比性。 当最具限制性的可比较选择算法未能识别足够的可比销售以用作下游分析过程的输入时，系统不仅简单地扩展池或仅扩展相应的地理区域。 相反，系统会自动松开并收紧属性搜索过滤器，以扩大和缩小当地地理和经济市场的规模，以找到具有最为反映房地产市场考虑因素的财产特征的可比资产，或者作为评估人 买方将在异质性市场进行评估。

公开(公告)号：US20150154664A1

公开(公告)日：2015-06-04

申请号：US14095475

申请日：2013-12-03

Applicant: Fannie Mae

Inventor： Zachary Dawson ,  Rebecca Adler ,  Patria S. Kunde ,  John Treadwell ,  Weifeng Wu ,  Eric Rosenblatt

IPC: G06Q30/02 ,  G06Q50/16

CPC classification number: G06Q30/0278 ,  G06Q50/16

Abstract: A device including a memory with an automated collateral fraud and risk detection application installed thereon, wherein the application determines whether a final appraised value of an appraisal was correctly reconciled from comparable properties listed on the appraisal by extracting reconciliation information from the appraisal, the reconciliation information including adjusted sale prices for each comparable property listed on the appraisal and the final appraised value; applying a rule set to the reconciliation information to generate sub-scores; applying a heuristic to the sub-scores to generate a reconciliation score; and outputting a scorecard for the appraisal based on the reconciliation score.

Abstract translation: 一种包括具有安装在其上的自动抵押欺诈和风险检测应用的存储器的设备，其中所述应用程序通过从所述评估中提取对账信息来确定评估的最终评估值是否与所述评估上列出的可比性质正确对照，所述对照信息 包括评估中列出的每个可比财产的调整销售价格和最终评估价值; 将规则集应用于对帐信息以生成子分数; 对子分数应用启发式以产生对帐分数; 并根据对账分数输出评估记分卡。

公开(公告)号：US08799127B1

公开(公告)日：2014-08-05

申请号：US13620524

申请日：2012-09-14

Applicant: Theodore T. Blair ,  Tracy W. Dunsdon ,  Douglas G. Higgs ,  Rajaram Prasannan ,  Craig M. Rivers

Inventor： Theodore T. Blair ,  Tracy W. Dunsdon ,  Douglas G. Higgs ,  Rajaram Prasannan ,  Craig M. Rivers

IPC: G06Q40/00 ,  G06Q40/02

CPC classification number: G06Q40/025 ,  G06Q40/02

Abstract: A data processing system for analyzing and reporting payoff quotes for mortgage loans is provided. The system provides several user interfaces: e.g., an interface through which lenders may enter lender payment information, an interface through which an analyst may enter payment quotes, and an interface through which lenders and/or analysts may compare the other prepayment information with prepayment payment quotes provided by the system. Any of the interfaces may be supported via a network. A database of all payoff quotes, lender payment information and any lender decisions regarding the same is maintained by the system for future reference.

Abstract translation: 提供了一个用于分析和报告按揭贷款支付报价的数据处理系统。 该系统提供了几个用户界面：例如，贷款人可以通过该界面输入贷方支付信息，分析师可以通过该界面输入付款报价的界面，以及贷方和/或分析师可以通过该界面将其他预付款信息与预付款支付进行比较 报价由系统提供。 可以通过网络支持任何接口。 所有支付报价，贷款人付款信息以及与此相关的贷款人决定的数据库由系统维护，以备将来参考。

公开(公告)号：US08738388B1

公开(公告)日：2014-05-27

申请号：US11033955

申请日：2005-01-12

Applicant: Mark Y. An ,  Andre H. Gao

Inventor： Mark Y. An ,  Andre H. Gao

IPC: G06Q10/00

CPC classification number: G06Q50/16 ,  G06Q30/0206

Abstract: Market based data cleaning for mitigation of idiosyncratic errors in transaction data used for property valuation. The market based data cleaning technique helps to ensure that the most accurate record is retained for a transaction when duplicate records are found, by ensuring that the retained record is the most consistent with other transactions of the same property, the local market trend, and neighborhood market. Algorithms accommodate the adoption of a value as a representative single record for a transaction where multiple records are present for a transaction. Following duplicate removal, market based data cleaning further eliminates erroneous records by eliminating transaction outliers, also preferably based upon the local market trend, along with all of the remaining transactions for each given property.

Abstract translation: 基于市场的数据清理，用于减轻用于物业估值的交易数据中的特殊错误。 基于市场的数据清理技术有助于确保在发现重复记录时为交易保留最准确的记录，确保保留的记录与同一财产的其他交易，当地市场趋势和邻近地区保持一致 市场。 算法适用于将值用作交易存在多个记录的交易的代表性单个记录。 在重复删除之后，基于市场的数据清理还可以通过消除交易异常值（还优选基于当地市场趋势）以及每个给定财产的所有剩余交易来消除错误记录。

公开(公告)号：US20130144796A1

公开(公告)日：2013-06-06

申请号：US13312372

申请日：2011-12-06

Applicant: Hamilton Fout ,  Yong Chen ,  Elif Onmus-Baykal ,  Eric Rosenblatt ,  WenXiong W. Yao

Inventor： Hamilton Fout ,  Yong Chen ,  Elif Onmus-Baykal ,  Eric Rosenblatt ,  WenXiong W. Yao

IPC: G06Q50/16

CPC classification number: G06Q10/00

Abstract: Automatically assigning confidence ratings to properties valued by an automated valuation model. A value confidence model determines a set of typical property characteristics for properties in a geographic area, automatically determines a deviation from the set of typical property characteristics for a candidate comparable property, and assigns a confidence factor to an automated valuation of the candidate comparable property based upon the deviation.

Abstract translation: 自动将置信度分配给由自动估值模型估值的属性。 价值置信模型确定地理区域中属性的一组典型属性特征，自动确定与候选可比财产的典型财产特征的偏差，并将置信因子分配给候选可比性属性的自动估值 偏差。

公开(公告)号：US08407149B1

公开(公告)日：2013-03-26

申请号：US12871773

申请日：2010-08-30

Applicant: Mark Y. An ,  Linghua Peng ,  Hong Gao ,  Eric L. Rosenblatt

Inventor： Mark Y. An ,  Linghua Peng ,  Hong Gao ,  Eric L. Rosenblatt

IPC: G06Q50/00

CPC classification number: G06Q30/06 ,  G06Q30/0278 ,  G06Q50/167

Abstract: A method and machine-readable media are provided for estimating property values. An exemplary method includes obtaining a first estimate of a property from a first property valuation database, the first estimate exhibiting price tier effect bias. The method further includes deriving a price tier effect adjustment factor based on a price tier associated with the property and purchase transaction data. The method further includes adjusting the first estimate to reduce the price tier effect bias using price tier effect adjustment factor, thereby providing a second estimate having reduced price tier effect bias.

Abstract translation: 提供了一种用于估计属性值的方法和机器可读介质。 示例性方法包括从第一财产估价数据库获得财产的第一估计，第一估计显示价格层效应偏差。 该方法还包括基于与该属性和购买交易数据相关联的价格层导出价格层效应调整因子。 该方法还包括调整第一估计以使用价格层效应调整因子来降低价格层效应偏差，从而提供具有降低的价格层效应偏差的第二估计。