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Property record document data verification systems and methods

  • US 8,401,301 B2
  • Filed: 02/08/2010
  • Issued: 03/19/2013
  • Est. Priority Date: 03/17/2006
  • Status: Active Grant
First 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:

  • 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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