US 11,989,776 B1
Real estate finance exchange
Brian Lee Hepp, Broadlands, VA (US); Karun Khanna, Leesburg, VA (US); Upendra Narayan Agashe, Chantilly, VA (US); Rohith Gorur, Ashburn, VA (US); Debajyoti Bhattacharyya, Herndon, VA (US); William Jeffrey Adams, Avon, OH (US); and Ryan A. McElroy, Pittsburg, PA (US)
Assigned to CGI Technologies and Solutions Inc., Fairfax, VA (US)
Filed by CGI Technologies and Solutions Inc., Fairfax, VA (US)
Filed on Oct. 15, 2021, as Appl. No. 17/502,994.
Claims priority of provisional application 63/093,058, filed on Oct. 16, 2020.
Int. Cl. G06Q 40/00 (2023.01); G06Q 30/018 (2023.01); G06Q 30/02 (2023.01); G06Q 40/03 (2023.01)
CPC G06Q 40/03 (2023.01) [G06Q 30/018 (2013.01); G06Q 30/0278 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, in a server, a request from a client device via a platform to access a digital item associated with an asset;
collecting a personal information of a user associated with the asset, wherein collecting the personal information comprises searching for a first user information from a third party database, and requesting a second user information from the user;
assessing a status of the user based on the personal information;
evaluating a capacity of the user to repay the digital item based on validated data from one or more external data sources;
collecting a historical information associated with multiple similar users and multiple similar assets;
searching for a value of the asset in a network;
determining an attribute of the digital item based on the value of the asset, the status of the user, and the historical information, the attribute including an exception generated based on rules set within the platform, wherein the rules are updated based on approval data of investors and/or lenders;
generating a decision to approve the request or reject the request using on a machine learning (ML) model trained based on the capacity of the user to repay the digital item, the historical information, and the attribute;
generating a document for the user for processing the digital item based on the decision to approve the request, and further:
transmitting the document to the client device, wherein the user is provided access to the document via the platform to be executed and a lender is provided access to the document via the platform for review and/or distribution, and
refusing access to the digital item based on the decision to reject the request, and further:
identifying a recommended action based on an aspect of the digital item determined to contribute to a rejection of the request;
executing the recommended action to modify at least a portion of the digital item and generate a second digital item; and
transmitting the second digital item to the client device, wherein the user is provided access to the second digital item via the platform.