Methods, systems, and products for anonymous loan documents

• US 9,098,882 B2
• Filed: 09/08/2011
• Issued: 08/04/2015
• Est. Priority Date: 09/10/2010
• Status: Active Grant

• Current Assignee: Reversevision, Inc.
• Original Assignee: Reversevision, Inc.
• Inventors: Martignoni, Thomas M.
• Primary Examiner(s): Mahmoudi, Tony
• Assistant Examiner(s): PHAN, TUANKHANH D
• Application Number:
  US13/227,534
• Publication Number:
  US 20120066176A1
• Time in Patent Office: 1,426 Days
• Field of Search: 707600-704
• US Class Current: 1/1
• CPC Class Codes: G06F 16/27 Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
• CPC Class Codes: G06F 17/00 Digital computing or data processing equipment or methods, specially adapted for specific functions information retrieval, database structures or file system structures therefor G06F16/00
• CPC Class Codes: G06F 21/6254 by anonymising data, e.g. decorrelating personal data from the owner's identification
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 50/18 Legal services
• CPC Class Codes: H04L 9/3213 using tickets or tokens, e.g. Kerberos network architectures or network communication protocols for entities authentication using tickets in a packet data network H04L63/0807

Abstract

Methods, systems, and products create anonymous loan documents. Electronic loan documents are prepared for a borrower of a loan. An anonymous shadow copy of the electronic loan documents is generated that removes personally identifying information, such as names, addresses, and social security numbers. The anonymous shadow copy of the electronic loan documents may then be electronically published.

Claims

1. A method, comprising:

generating electronic loan documents prepared for a borrower of a loan;

generating, by a processor, an anonymous shadow copy of the electronic loan documents that removes personally identifying information;

storing the anonymous shadow copy as a record in a row of a database;

associating the anonymous shadow copy to an access code in another record in the row of the database;

associating the personally identifying information to the access code in a different loan record of the database;

sending the access code to a device associated with the borrower of the loan;

receiving the access code in a first request sent from a requesting device for the anonymous shadow copy of the electronic loan documents;

retrieving the anonymous shadow copy associated with the access code in the row of the database;

sending the anonymous shadow copy of the electronic loan documents to the requesting device in response to the first request;

receiving a separate second request from the requesting device for the personally identifying information, the separate second request identifying the access code;

querying the database for the personally identifying information associated with the access code;

retrieving the personally identifying information associated with the access code from the different loan record of the database; and

sending the personally identifying information to the requesting device in response to the separate second request;

wherein the personally identifying information is separately stored from the row of the database containing the anonymous shadow copy.

2. The method according to claim 1, further comprising clearing the different loan record containing the personally identifying information.

3. The method according to claim 1, further comprising rendering the personally identifying information undecipherable.

4. The method according to claim 1, further comprising removing at least one of a name, an address, and a social security number.

5. The method according to claim 1, further comprising electronically publishing the anonymous shadow copy of the electronic loan documents to a website.

6. The method according to claim 1, further comprising associating the access code with a date and time stamp.

7. A system, comprising:

a processor; and

a memory storing instructions that when executed cause the processor to perform operations, the operations comprising;

storing electronic loan documents associated with a borrower of a loan;

generating an anonymous shadow copy of the electronic loan documents that removes personally identifying information;

storing the anonymous shadow copy as a record in a row of a database;

associating the anonymous shadow copy to an access code in another record in the row of the database;

associating the personally identifying information to the access code in a different loan record of the database;

receiving a first request for the anonymous shadow copy sent from a requesting device, the first request specifying the access code;

retrieving the anonymous shadow copy from the row of the database;

sending the anonymous shadow copy to the requesting device in response to the first request;

receiving the access code in a separate second request for the personally identifying information sent from the requesting device;

querying the database for the personally identifying information associated with the access code;

retrieving the personally identifying information associated with the access code from the different loan record of the database; and

sending the personally identifying information to the requesting device in response to the separate second response;

wherein the personally identifying information is separately stored from the anonymous shadow copy in the row of the database.