The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jul. 09, 2024

Filed:

Mar. 07, 2022
Applicant:

Federal Home Loan Mortgage Corporation, McLean, VA (US);

Inventors:

Michael G. Bradley, McLean, VA (US);

James Douglas Gordon, McLean, VA (US);

Stanislav Kornienko, McLean, VA (US);

Gary Skinner, McLean, VA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06F 16/21 (2019.01); G06N 5/00 (2023.01); G06Q 20/40 (2012.01); G06F 16/215 (2019.01); G06F 16/903 (2019.01); G06Q 40/03 (2023.01);
U.S. Cl.
CPC ...
G06F 16/219 (2019.01); G06F 16/215 (2019.01); G06F 16/903 (2019.01); G06N 5/00 (2013.01); G06Q 20/4016 (2013.01); G06Q 40/03 (2023.01);
Abstract

Systems and methods comprise maintaining a data structure comprising historical value and condition data, receiving a query with submitted value data requesting a streamlined process, instantiating a value model based on the query by obtaining the historical value data, determining a modeled value ratio based on the value data, determining a submitted value ratio based on the submitted value data, making a first assessment whether the submitted value ratio is within a predetermined range of the modeled value ratio, making a second assessment whether the modeled value ratio exceeds a predetermined maximum, assigning a first flag to the query based on the first assessment and the second assessment, obtaining historical condition data from the database, assigning a second flag to the query based on the historical condition data, and determining whether to assign the query to the streamlined process based on the first flag and the second flag.


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