Abstract: The present invention provides an apparatus and method for generating title products. A device accepts a title product search request for a title product for a property. The device initiates a search of databases that contain information about the property such as data or evidence of title. A rule engine compares the retrieved information with business rules such as title insurance underwriting criteria. The comparison provides results for generating a title report, insurance contract or other title insurance products.

Abstract: Some implementations of the disclosure are directed to a method, comprising: retrieving, using a device associated with an entity, a document from a system of record; uploading the document for storage in an off-chain system accessible by entities having access to a distributed ledger of a distributed ledger network, the entities comprising the entity; hashing, using the device, one or more fields contained in the document to generate a hash representing a unique reference to the document; generating, using the device, a message comprising a plurality of fields contained in the document and the hash; digitally signing, by the device, using a private key associated with the entity, the message to endorse the hash and the fields contained in the document; and after digitally signing the message, transmitting, by the device, the message to the distributed ledger network to store the hash and the fields in the distributed ledger.

Abstract: Techniques described herein are directed to using blockchains to record, manage, and transfer ownership rights to land titles. A method in accordance with these techniques may include: creating a property blockchain that is permissioned, the property blockchain including a chronologically ordered, back-linked list of one or more blocks, the one or more blocks including a genesis block, the genesis block including property attributes including one more of the following: a physical address of the property, a year the property was built, and an owner of the property; and transmitting the property blockchain to permissioned nodes on a network, where the permissioned nodes validate transactions associated with the property that are recorded on the property blockchain.

Abstract: Some implementations of the disclosure are directed to a method, comprising: retrieving, using a device associated with an entity, a document from a system of record; uploading the document for storage in an off-chain system accessible by entities having access to a distributed ledger of a distributed ledger network, the entities comprising the entity; hashing, using the device, one or more fields contained in the document to generate a hash representing a unique reference to the document; generating, using the device, a message comprising a plurality of fields contained in the document and the hash; digitally signing, by the device, using a private key associated with the entity, the message to endorse the hash and the fields contained in the document; and after digitally signing the message, transmitting, by the device, the message to the distributed ledger network to store the hash and the fields in the distributed ledger.

Abstract: Some implementations of the disclosure are directed to retrieving a property description describing a real property; generating a numeric representation of the property description; determining one or more keywords of a keyword list present or absent in the property description; generating one or more values corresponding to a presence or absence of the one or more keywords in the property description; combining the numeric representation of the property description with the one or more values to create a combination; and computing, based on the combination, a most likely classification of the property description from a plurality of classifications.

Abstract: Some implementations of the disclosure are directed to retrieving a structured description; using a model trained on a plurality of structured descriptions to generate a numeric representation of the retrieved description; searching the retrieved description for a plurality of keywords in a keyword list to generate one or more values corresponding to a presence of the plurality of searched keywords; combining the numeric representation of the structured description with the generated one or more values to create a combination; using the combination to compute a most likely classification of the description from a plurality of classifications; and returning the most likely classification.

Abstract: Techniques described herein are directed to using blockchains to record, manage, and transfer ownership rights to land titles. A method in accordance with these techniques may include: creating a property blockchain that is permissioned, the property blockchain including a chronologically ordered, back-linked list of one or more blocks, the one or more blocks including a genesis block, the genesis block including property attributes including one more of the following: a physical address of the property, a year the property was built, and an owner of the property; and transmitting the property blockchain to permissioned nodes on a network, where the permissioned nodes validate transactions associated with the property that are recorded on the property blockchain.

Abstract: The present invention provides an apparatus and method for generating title products. A device accepts a title product search request for a title product for a property. The device initiates a search of databases that contain information about the property such as data or evidence of title. A rule engine compares the retrieved information with business rules such as title insurance underwriting criteria. The comparison provides results for generating a title report, insurance contract or other title insurance products.

Abstract: Techniques described herein are directed to using blockchains to record, manage, and transfer ownership rights to land titles. A method in accordance with these techniques may include: creating a property blockchain that is permissioned, the property blockchain including a chronologically ordered, back-linked list of one or more blocks, the one or more blocks including a genesis block, the genesis block including property attributes including one more of the following: a physical address of the property, a year the property was built, and an owner of the property; and transmitting the property blockchain to permissioned nodes on a network, where the permissioned nodes validate transactions associated with the property that are recorded on the property blockchain.

Abstract: The present invention provides an apparatus and method for generating title products. A device accepts a title product search request for a title product for a property. The device initiates a search of databases that contain information about the property such as data or evidence of title. A rule engine compares the retrieved information with business rules such as title insurance underwriting criteria. The comparison provides results for generating a title report, insurance contract or other title insurance products.

Abstract: Some implementations of the disclosure are directed to a method, comprising: retrieving, using a device associated with an entity, a document from a system of record; uploading the document for storage in an off-chain system accessible by entities having access to a distributed ledger of a distributed ledger network, the entities comprising the entity; hashing, using the device, one or more fields contained in the document to generate a hash representing a unique reference to the document; generating, using the device, a message comprising a plurality of fields contained in the document and the hash; digitally signing, by the device, using a private key associated with the entity, the message to endorse the hash and the fields contained in the document; and after digitally signing the message, transmitting, by the device, the message to the distributed ledger network to store the hash and the fields in the distributed ledger.

Abstract: Techniques described herein are directed to using blockchains to record, manage, and transfer ownership rights to land titles. A method in accordance with these techniques may include: creating a property blockchain that is permissioned, the property blockchain including a chronologically ordered, back-linked list of one or more blocks, the one or more blocks including a genesis block, the genesis block including property attributes including one more of the following: a physical address of the property, a year the property was built, and an owner of the property; and transmitting the property blockchain to permissioned nodes on a network, where the permissioned nodes validate transactions associated with the property that are recorded on the property blockchain.

Abstract: The present invention provides an apparatus and method for generating title products. A device accepts a title product search request for a title product for a property. The device initiates a search of databases that contain information about the property such as data or evidence of title. A rule engine compares the retrieved information with business rules such as title insurance underwriting criteria. The comparison provides results for generating a title report, insurance contract or other title insurance products.

Abstract: The present invention provides an apparatus and method for generating title products. A device accepts a title product search request for a title product for a property. The device initiates a search of databases that contain information about the property such as data or evidence of title. A rule engine compares the retrieved information with business rules such as title insurance underwriting criteria. The comparison provides results for generating a title report, insurance contract or other title insurance products.

Abstract: The present invention provides an apparatus and method for generating a mail package in real time. Electronic mail jobs are sent to a distribution center. At the distribution center, the mail jobs are received and stored in a database. The mail jobs are converted into program control language (PCL) scripts and sent to print centers. The print centers execute the PCL scripts producing documents, tabs and mail labels. The documents are packaged and the mail labels affixed to the packages. The packages are mailed to the customers from the print center.

Abstract: The invention provides an apparatus and method for generating legal descriptions in an electronic database. Database records of land interests are grouped in logical groups. Records in the grouping having legal descriptions are used to create a legal description template for the records in the group. The legal description template is applied to selected records in the group creating legal descriptions for the selected records. The legal descriptions are stored in the database with the created legal descriptions providing auto generated legal description for subsequent searches.

Abstract: The present invention provides an apparatus and method for generating title products. A device accepts a title product search request for a title product for a property. The device initiates a search of databases that contain information about the property such as data or evidence of title. A rule engine compares the retrieved information with business rules such as title insurance underwriting criteria. The comparison provides results for generating a title report, insurance contract or other title insurance products.