Other

Rockwell International Corporation

Mavent Holdings, Inc.

Albert V Ogrodski

Frank D Tuttle

Timothy T Green

The method and system provides consumers with the ability to define and control their identity and accounts to minimize vulnerability to identity theft and credit fraud. This is accomplished using a centralized system where consumers can define their identity and account profile and define rules that control access to their identity and accounts. This process works independently of existing credit bureaus and credit authorization processes, creating a dual authentication and authorization system. The primary feature of the invention is a centralized database that is controlled by consumers. The database contains information and rules defined by the consumer that will proactively protect their identity and accounts. The idea is to minimize the allowable access to consumer's identity and accounts. This creates an additional layer of protection that eliminates fraud.

Method and system for centralized identity and account controls

An automated system and method for reviewing and assessing compliance with legal compliance requirements for loan applications. Loan application data is extracted from client loan origination systems and transmitted as a loan information file over a secure communication network to an automated compliance assessment system server where the loan information file is audited for compliance with Federal, state, and local legal compliance requirements. The loan information file is reviewed for legal compliance requirements imposed by Federal, State, and local jurisdictions, as well as licensing requirements that the client loan company and related personnel must satisfy. The results of the audit process are transmitted over a secure communication network to the client loan company, with areas of noncompliance indicated. The automated compliance assessment system server also stores rules data derived from legal compliance requirements, license data derived from regulatory requirements, system setup data and supplemental system application data.

System and method for automated loan compliance assessment

A random digital signal generator circuit responsive to a clock signal from a block signal source for outputting a sequential series of logic signals. The circuit comprises a clocked flip-flop that provides a signal at its output terminal that has a value corresponding to the state of its input signal until a subsequent clock signal is received. An array of oscillator signal generators is provided with each oscillator signal generator operating at a different frequency. An EXCLUSIVE-OR network means having an array of input terminals has each input terminal of the EXCLUSIVE-OR network coupled to the output terminal of a corresponding oscillator signal generator. The EXCLUSIVE-OR network provides a random output signal at its output terminal. The EXCLUSIVE-OR network means output terminal is coupled to the flip-flop input terminal. The flip-flop responds to each the clock signal to sample the state of the random output signal from the EXCLUSIVE-OR network. The flip-flop stores and couples the state of the random output signal to the flip-flop output terminal with each successive clock signal.

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Anaheim, CA, United States of America

Albert V Ogrodski