Property record document data verification systems and methods
First Claim
1. A non-transitory machine-readable medium for verifying chain-of-title in real estate documents having sets of instructions stored thereon which, when executed by a machine, cause the machine to:
- receive a current title document image for real property in an electronic form, wherein the current title document image includes at least a grantor field and text;
automatically determine a grantor of the real property from the grantor field of the current title document image;
search one or more real property title databases for a title document image preceding the current title document image in the chain of title for the real property, wherein the preceding title document image includes at least a grantee field;
determine a grantee in the preceding title document image from the grantee field;
compare the grantor and the grantee to determine if the grantor and the grantee are substantially similar;
determine a document type associated with the current title document image;
identify a first set of rules based at least in part on;
the document type, anda recording jurisdiction in which the real property is located;
identify, based on the first set of rules, a plurality of candidate data strings in the current title document image for validation;
identify, based on the first set of rules, a plurality of target data strings stored remotely at a validation server;
compare the candidate data strings to the target data strings to determine if the document image is valid according to the first set of rules, and a second set of rules that are updated dynamically as the candidate data strings and the target data strings are compared; and
in response to the grantor and the grantee being substantially similar and based on a determination that the document image is valid, certify that the real property has a valid chain of title.
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Abstract
A data verification system is configured to verify machine-recognized data elements acquired during a machine-implemented data acquisition process. The system includes a data verification workstation, a image server, and a data entry server. The data verification workstation is configured to obtain document images from the image server, present portions of document images to an operator, wherein the document images include text, and receive input from the operator based on the text. The input includes data elements. The data verification workstation is also configured to acquire machine-recognized data elements from the data entry server. The machine-recognized data elements were acquired from the document image during a machine-implemented data acquisition process based on the text. The data verification workstation is also configured to compare the data elements received from the operator to the machine-recognized data elements and selectively prompt the operator to re-input the data elements based on the comparison.
9 Citations
1 Claim
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1. A non-transitory machine-readable medium for verifying chain-of-title in real estate documents having sets of instructions stored thereon which, when executed by a machine, cause the machine to:
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receive a current title document image for real property in an electronic form, wherein the current title document image includes at least a grantor field and text; automatically determine a grantor of the real property from the grantor field of the current title document image; search one or more real property title databases for a title document image preceding the current title document image in the chain of title for the real property, wherein the preceding title document image includes at least a grantee field; determine a grantee in the preceding title document image from the grantee field; compare the grantor and the grantee to determine if the grantor and the grantee are substantially similar; determine a document type associated with the current title document image; identify a first set of rules based at least in part on; the document type, and a recording jurisdiction in which the real property is located; identify, based on the first set of rules, a plurality of candidate data strings in the current title document image for validation; identify, based on the first set of rules, a plurality of target data strings stored remotely at a validation server; compare the candidate data strings to the target data strings to determine if the document image is valid according to the first set of rules, and a second set of rules that are updated dynamically as the candidate data strings and the target data strings are compared; and in response to the grantor and the grantee being substantially similar and based on a determination that the document image is valid, certify that the real property has a valid chain of title.
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Specification