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Full text of "USPTO Patents Application 09998152"

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CLAIMS 

What is claimed is: 

1 . A computer-assisted method for processing documents in a database 
having at least one record therein, said method comprising: 

reviewing asset-related data contained on at least one document; 
receiving said document into said database on a flow basis; 
analyzing contents of said document to ensure compliance with at 
least one standard; and 

providing output data from said record in said database. 

2. A computer-assisted method for automated aggregation and 
authentication of asset documents, said method comprising: 

associating an asset with a record in a database; 

inventorying an asset document into the associated record in the 
database on a flow basis; 

analyzing contents of the asset document to ensure compliance 
with at least one standard; 

providing specific information contained in the asset document to a 
user on demand; and 

generating common information from a plurality of the records. 

3. The method of claim 2, wherein the inventorying step comprises: 

determining a necessary asset document for origination or updating 
of the record; 



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entering information contained in the necessary asset document 
into the record of the database on a flow basis; 

scanning the necessary asset document for the purpose of creating 
an electronic facsimile of the necessary asset document; and 

reviewing the record and the electronic facsimile to ensure 
compliance with at least one standard. 
The method of claim 2, wherein the analyzing step comprises: 

retrieving data stored in the associated record; and 

comparing the contents of the asset document to the retrieved data. 
The method of claim 2, wherein the providing step comprises: 

requesting specific information contained in the asset document; 

locating a record associated with the asset document; 

retrieving the record; and 

extracting the specific information contained in the asset document. 
The method of claim 2, wherein the generating step comprises: 

determining the common information required from a plurality of the 
asset documents; 

initiating a query in the database whereby the query collects all 
records containing the common information thereby creating a plurality of 
asset records; 

aggregating the common information contained in the plurality of 
records; 

displaying the aggregated common information; and 



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extracting the aggregated common information. 

7. The method of claim 2, wherein the standard comprises a banking 
standard for securitizing a financial instrument. 

8. The method of claim 2, wherein the asset comprises a commercial 
mortgage loan. 

9. The method of claim 3, wherein the inventorying step further comprises 
generating an identification marker and affixing the identification marker to 
the necessary asset document. 

10. The method of claim 3, wherein the standard comprises a legal standard 
for document quality. 

1 1 . The method of claim 3, wherein the inventorying step further comprises 
initiating a query to determine missing data for the associated record. 

12. The method of claim 5, wherein the step of extracting the specific 
information further comprises writing the common information to a 
computer readable medium. 

1 3. The method of claim 5, wherein the step of extracting the specific 
information further comprises publishing the required information on a 
website. 

14. The method of claim 5, wherein the step of extracting the specific 
information further comprises generating and sending an e-mail message 
containing the required information. 



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1 5. The method of claim 5, wherein the step of extracting further comprises 
generating a copy of the electronic facsimile of the asset document 
containing the specific information. 

16. The method of claim 6, wherein the step of extracting the aggregated 
common information further comprises extracting the common information 
for securitizing a financial instrument. 

1 7. The method of claim 6, wherein the step of extracting the aggregated 
common information further comprises writing the common information to 
a computer readable medium. 

18. The method of claim 6, wherein the step of extracting the aggregated 
common information further comprises publishing the common information 
on a website. 

19. The method of claim 6, wherein the step of extracting the aggregated 
common information further comprises generating and sending an e-mail 
message containing the common information. 

20. The method of claim 6, wherein the database includes a relational 
database. 

21 . A computer readable medium having computer executable instructions for 
performing a method for automated aggregation and authentication of 
asset documents into a database, the method comprising: 

associating an asset with a record in a database; 
inventorying an asset document into the record in the database on 
a flow basis; 



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analyzing the contents of the asset document to promote 
compliance with a standard; 

providing specific information contained in the asset document to a 
user; and 

generating common information from the database. 

22. The computer readable medium of claim 21 , wherein the asset is a 
commercial mortgage loan. 

23. The computer readable medium of claim 22, wherein the standard 
comprises applicable standards for loan securitization. 

24. The computer readable medium of claim 23, wherein the common 
information is generated for use in commercial mortgage loan 
securitization. 

25. A computer system for automated aggregation and authentication of asset 
documents comprising: 

a data input device for receiving first information from an asset 
document associated with an asset from an input source where a plurality 
of the asset documents associated with the asset comprise a record; 
a storage device for storing the record; 
a processor for: 

retrieving comparison data where the comparison data 
comprises compared common data fields of the stored first 
information from a plurality of the asset documents within the 
record and providing the comparison data to a user; 



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retrieving second information where the second information 
comprises the asset documents common data fields within the 
record and providing the second information to a user; 

retrieving third information where the third information 
comprises data from fields common to the multiple records and 
providing the third information to a user; 

identifying missing data for the asset and providing a missing 
data output to notify a user; and 

a data output device for generating first output information from the 
processor. 

26. The computer system according to claim 25, wherein the storage device 
includes a relational database. 

27. The computer system according to claim 26, wherein the first information 
is electronically transferred to the computer system. 

28. The computer system according to claim 27, wherein the first information 
is transferred to the computer system over a telecommunications system. 

29. The computer system according to claim 28, wherein the processor 
aggregates information from a plurality of the assets thereby creating an 
asset aggregation output for use in securitizing the assets into a financial 
instrument. 

30. A computer system for managing, servicing and aggregating commercial 
mortgage loans comprising: 



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a means for inputting information regarding a plurality of 
commercial mortgage loans; 

a means for storing the information regarding the commercial 
mortgage loans; 

a first query means for collecting information from at least one 
commercial mortgage loan; 

a first query result presentation means for presenting the collected 
information; 

a second query means for determining if any data is missing from 
the commercial mortgage loan; 

a second query result presentation means for presenting a missing 
data alert; 

a means for aggregating the information of the commercial 
mortgage loans wherein the means for aggregating has an asset analysis 
means for determining if the commercial mortgage loan is prepared for 
securitization; 

a means for displaying aggregated information; 

a means for alerting a user if any aggregated information necessary 
for securitization is missing; and 

a means for extracting information. 
31 . A computer-assisted method for automated aggregation and 
authentication of asset documents, the method comprising: 

associating an asset with a record in a database; 



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inventorying an asset document into the associated record in the 
database in near real time as the asset document becomes available to 
the loan originator; 

analyzing contents of the asset document to ensure compliance 
with customary standards for loan securitization; 

providing specific information contained in the asset document to a 
user; and 

generating common information from a plurality of the records 
where the common information is generated for the purpose of secrutizing 
the asset into a trust and providing common information to potential 
investors in the trust. 

A computer readable medium having computer executable instructions for 
performing a method for processing asset-related documents in a 
database having at least one record therein, the method comprising: 
reviewing asset-related data contained on at least one asset 
document; 

receiving said asset document into said database on a flow basis; 
analyzing contents of said asset document to ensure compliance 
with at least one standard; and 

providing output data from said record in said database. 



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