SYSTEMS AND METHODS FOR INTELLIGENT PAPERLESS DOCUMENT MANAGEMENT

• US 20080147790A1
• Filed: 12/06/2007
• Published: 06/19/2008
• Est. Priority Date: 10/24/2005
• Status: Active Grant

• Current Assignee: ICE Mortgage Technology, Inc. (Intercontinental Exchange, Inc.)
• Original Assignee: Capsilon Corp. (Intercontinental Exchange, Inc.)
• Inventors: Evans, Jeffrey, Malaney, Vikram, Kulkarni, Parag, Viswanathan, Krishnwami, Malaney, Sanjeev
• Granted Patent: US 8,176,004 B2
• Time in Patent Office: Days
• US Class Current: 709/203
• CPC Class Codes: G06Q 10/00 Administration; Management

Abstract

Provided are systems and methods for Web-based intelligent paperless document management where users can collect, store, and share all document from various locations. Also provided are systems and methods requiring minimal data reentry because of data extraction capabilities. Systems and methods described herein can deliver documents via internet to multiple persons without using barcodes or separator sheets for faxing or sending documents.

Claims

1. A Web-based system for intelligent paperless document management, comprising,

(a) at least one user account and at least one inbox, wherein said user account requires security sign-up and said at least one inbox accepts incoming documents;

(b) at least one automatic indexing engine to automatically classify said incoming documents received by said inbox;

wherein said at least one automatic indexing engine does not require barcodes or separators;

(c) a repository to store documents classified by said at least one automatic indexing engine; and

(d) a online collaborative portal;

said online collaborative portal allows access of multiple users to documents in said repository;

wherein said system does not provide the capability of prearranging access levels according to functions of said multiple users; and

wherein said system does not prohibit a user from modifying or deleting a document in said depository.

2. The system of claim 1, further comprises at least one electronic cabinet.

3. The system of claim 1, further comprises at least one electronic folder.

4. The system of claim 1, further comprises a delivery center to allow custom delivery packages comprising different documents for multiple parties.

5. The system of claim 1, further comprises at least one business rule manager.

6. The system of claim 5, wherein said business rule manager uses at least one workflow rule.

7. The system of claim 1, further comprises at least one data extraction engine.

8. The system of claim 7, wherein the system has capability to output extracted data in a specified format.

9. The system of claim 8, wherein the specified format is MISMO SMART Doc XML.

10. The system of claim 7, wherein the system has capability to flag for human intervention when inconsistent data is identified;

said human intervention include sorting, modifying, and/or deleting documents.

11. The system of claim 1, wherein the online collaborative portal allows simultaneous access from multiple users.

12. The system of claim 11, wherein the system comprises at least two user accounts corresponding to each of at least two inboxes.

13. The system of claim 1, wherein the inbox accepts incoming documents selected from the group consisting of e-mails, faxes, ftp uploads, scanners, digital copiers, and combinations thereof.

14. The system of claim 1, further comprises a desktop tool for a user with a user account and inbox providing for uploading of documents to said user'"'"'s inbox.

15. The system of claim 1, wherein the system is integrated with at least one desk-based system selected from mortgage loan origination software (LOS), automatic underwriting systems (AUS), lender underwriting systems (LUS), and automate mortgage compliance software.

16. A Web-based computerized method for intelligent document management, comprising,

(a) allowing at least one user to create at least one user account and at least one inbox, wherein at least one of said user account requires security sign-up and said at least one inbox accepts incoming documents;

(b) receiving documents;

(c) indexing documents received in step (b) with at least one automatic indexing engine;

wherein said at least one automatic indexing engine does not require barcodes or separators;

(d) placing indexed documents into a repository to store documents classified by said at least one automatic indexing engine; and

(e) providing said user to access documents in said repository using an online collaborative portal;

wherein said method does not comprise the step of prearranging access levels according to functions of said multiple users; and

wherein said method does not prohibit a user from modifying or deleting a document in said depository.

17. The method of claim 16, further comprises the step of placing folders into at least one electronic cabinet.

18. The method of claim 16, further comprises the step of placing indexed documents into at least one electronic folder.

19. The method of claim 16, further comprises the step of delivering documents to at least one person using a delivery center to allow custom delivery packages comprising different documents for multiple parties.

20. The method of claim 16, further comprises the step of organizing documents using at least one business rule manager.

21. The method of claim 20, wherein said business rule manager uses at least one workflow rule.

22. The method of claim 16, further comprises the step of extracting data using at least one data extraction engine.

23. The method of claim 22, further comprises the step of outputting extracted data in a specified format.

24. The method of claim 23, wherein the specified format is MISMO SMART Doc XML.

25. The method of claim 22, further comprises the step of flagging for human intervention when inconsistent data is identified;

said human intervention include sorting, modifying, and/or deleting documents.

26. The method of claim 16, wherein the online collaborative portal allows simultaneous access from multiple users.

27. The method of claim 16, wherein the inbox accepts incoming documents selected from the group consisting of e-mails, faxes, ftp uploads, scanners, digital copiers, and combinations thereof.

28. The method of claim 16, further comprises the step of providing for a desktop tool for uploading documents.

29. The method of claim 16, wherein the online collaborative portal is integrated with at least one desk-based system selected from mortgage loan origination software (LOS), automatic underwriting systems (AUS), lender underwriting systems (LUS), and automate mortgage compliance software.