US 12,147,923 B2
System and method for implementing a home lending data reservoir
Ilya Slavin, Brooklyn, NY (US); and Edward Bowlby, Allen, TX (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMorgan Chase Bank, N.A., New York, NY (US)
Filed on Jan. 13, 2022, as Appl. No. 17/647,948.
Prior Publication US 2023/0222416 A1, Jul. 13, 2023
Int. Cl. G06Q 10/0631 (2023.01); G06F 16/25 (2019.01)
CPC G06Q 10/06316 (2013.01) [G06F 16/254 (2019.01)] 20 Claims
OG exemplary drawing
 
1. A system that implements a home lending data reservoir, the system comprising:
at least one server; and
at least one memory including a set of instructions that, when executed by the at least one server, causes the at least one server to function as:
a multi-topic low latency message broker that receives normalized data records from a plurality of systems of record (SORs);
a common semantic extract transform load (ETL) module that transforms data from the normalized data records, received from the multi-topic low latency message broker, and that makes transformed data suitable for use and reporting in near real-time, the common semantic ETL module sending the transformed data back to the multi-topic low latency message broker;
a first queue subscriber that communicates with a business system for machine learning and artificial intelligence models and one or more decision support systems, the first queue subscriber receiving the transformed data from the multi-topic low latency message broker, which is sent back to the multi-topic low latency message broker from the common semantic ETL module;
a second queue subscriber that communicates with an operational store wherein the operational store provides data within a predetermined period of time, the second queue subscriber receiving the transformed data from the multi-topic low latency message broker concurrently with the first queue subscriber; and
a third queue subscriber that communicates with a data lake through a data pipeline wherein the data lake provides data older than the predetermined period of time, the third queue subscriber receiving the transformed data from the multi-topic low latency message broker outside the predetermined period of time,
wherein the multi-topic low latency message broker provides content-based restrictions so that access to certain data requires at least one of permission or privilege, and
the multi-topic low latency message broker compares the normalized data records against data registration for validation, and only allows data to publish in response to data registration compliance being verified.