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Full text of "USPTO Patents Application 09998152"

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Atty. Docket No. 010520 
Serial No. 09/998,152 



Amendments to the Claims 



Claim 1 (Currently Amended): 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 including receiving 
information from said document into said database as said document information becomes 
available for entry into said database : 

analyzing contents of said document to ensure compliance with at least one 

standard; and 

providing output data from said record in said database , wherein said output 
data includes at least data related to multiple assets associated with a securitization . 

Claim 2 (Currently Amended): 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 including inventorying information from said asset document into the database as 
said asset document information becomes available for inventorying ; 

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

one standard; 

providing specific information contained in the asset docum e nt record to a user 
on demand; and 



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Atty. Docket No. 010520 
Serial No. 09/998,152 



generating common information from a plurality of the records. 

Claim 3 (Original): The method of claim 2, wherein the inventorying step 

comprises: 

determining a necessary asset document for origination or updating of the 

record; 

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. 

Claim 4 (Original): 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. 

Claim 5 (Currently Amended): 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 

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Atty. Docket No. 010520 
Serial No. 09/998,152 

extracting the specific information contained in the ass e t docum e nt record . 
Claim 6 (Original): 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 
extracting the aggregated common information. 

Claim 7 (Original): The method of claim 2, wherein the standard comprises a 
banking standard for securitizing a financial instrument. 

Claim 8 (Original): The method of claim 2, wherein the asset comprises a 
commercial mortgage loan. 

Claim 9 (Original): 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. 



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Atty. Docket No. 010520 
Serial No. 09/998,152 

Claim 10 (Original): The method of claim 3, wherein the standard comprises a 
legal standard for document quality. 

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

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

Claim 13 (Original): The method of claim 5, wherein the step of extracting the 
specific information further comprises publishing the required information on a website. 

Claim 14 (Original): 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. 

Claim 15 (Original): 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. 



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Atty. Docket No. 010520 
Serial No. 09/998,152 

Claim 16 (Original): 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. 

Claim 17 (Original): 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. 

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

Claim 19 (Original): 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. 

Claim 20 (Original): The method of claim 6, wherein the database includes a 
relational database. 

Claim 21 (Currently Amended): 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; 



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Atty. Docket No. 010520 
Serial No. 09/998,152 

inventorying an asset document into the record in the database on a flow basis 
including inventorying information from said asset document into the record in the database 
as said asset document information becomes available for entry ; 

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

standard; 

providing specific information contained in the record ass e t docum e nt to a 

user; and 

generating common information from the database. 

Claim 22 (Original): The computer readable medium of claim 21, wherein the 
asset is a commercial mortgage loan. 

Claim 23 (Original): The computer readable medium of claim 22, wherein the 
standard comprises applicable standards for loan securitization. 

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



Claim 25 (Currently Amended): 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 on a flow basis including receiving said first 



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Atty. Docket No. 010520 
Serial No. 09/998,152 

information as said first information becomes available for entry, where information from a 
plurality of the asset documents associated with the asset comprise a record; 

a storage device for storing the record; 

a processor for: 

generating comparison data wherein the comparison data comprises 
compared common data fields of the stored first information from a plurality 
of the asset documents within the record, retrieving the comparison data wh e re 
th e comparison data compris e s compar e d common data fi e lds of th e stor e d 
first information from a plurality of th e ass e t docum e nts within th e record and 
providing the comparison data to a user; 

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. 

Claim 26 (Original): The computer system according to claim 25, wherein the 
storage device includes a relational database. 



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Atty. Docket No. 010520 
Serial No. 09/998,152 



Claim 27 (Original): The computer system according to claim 26, wherein the 
first information is electronically transferred to the computer system. 



Claim 28 (Original): The computer system according to claim 27, wherein the 
first information is transferred to the computer system over a telecommunications system. 



Claim 29 (Original): 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. 



Claim 30 (Currently Amended): A computer system for managing, servicing 
and aggregating commercial mortgage loans comprising: 

a means for inputting information regarding a plurality of commercial 
mortgage loans on a flow basis including inputting said commercial mortgage loan 
information as said commercial mortgage loan information becomes available for input: 

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; 

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Atty. Docket No. 010520 
Serial No. 09/998,152 

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 aggregated information. 

Claim 3 1 (Currently Amended): A computer-assisted method for automated 
aggregation and authentication of asset documents, the 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 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 record ass e t docum e nt to a 

user; and 

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



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Atty. Docket No. 010520 
Serial No. 09/998,152 

Claim 32 (Original): 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 including 
receiving information from said asset document into said database as said asset document 
information becomes available for entry into said database : 

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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