Abstract: Systems and methods are provided for providing an adjustment to a value estimate for a property that is considered distressed. In one embodiment, a method includes receiving the estimate of value for the property; determining, based on a model, the adjustment to the estimate of value, such that the model accounts for a characteristic of the property and a characteristic of the loan; and providing the adjustment.

Abstract: A system is disclosed that includes a database and a processor in communication with the database. The processor is configured to maintain a data structure comprising historical value data and historical condition data and receive a query requesting a streamlined process. The processor is further configured to, based on the query, make a first assessment whether a submitted value ratio is within a predetermined range of a modeled value ratio; make a second assessment whether the modeled value ratio exceeds a predetermined maximum; and, based on the first assessment and the second assessment, assign a first flag to the query. The processor is further configured to based on the query, instantiate a condition model by obtaining the historical condition data; assign a second flag to the query; and based on the first flag and the second flag, determine whether to assign the query to the streamlined process.

Abstract: Systems, methods, and computer-readable media are disclosed for selecting loan payment terms for improved loan quality and risk management. An exemplary embodiment includes storing first loan data corresponding to a first loan to a first borrower. The first loan may have been funded based on an initial financial disclosure that reflects the financial status of the first borrower during an initial time period when the first loan was funded. First payment terms and second payment terms are stored, and one of the first payment terms or the second payment terms is selected based on whether the first borrower provides the updated financial disclosure. The first loan data is processed consistently with the selected payment terms.

Abstract: Systems and methods consistent with the present invention generate a model for providing one or more scores indicating a likelihood that a stated income is faulty. In one embodiment, the method includes, for example, receiving information representative of at least one borrower; receiving a first income value for the at least one borrower; and receiving a second value for the at least one borrower, such that the second income value verifies the first income value. Moreover, the method includes determining one or more parameters for the model based on the received information, the received first income value, and the received second income value, such that the one or more parameters enable the model to provide the one or more scores.

Abstract: This disclosure relates to knowledge generation and implementation. A knowledge graph system comprises at least one processor, at least one database communicatively connected to the at least one processor, and a memory storing executable instructions. When executed, the instructions cause the at least one processor to aggregate, from the at least one database, entity data for a plurality of homes. Attribute information identifying geographic locations of the plurality of homes and relationships between pairs of the plurality of homes is extracted from the aggregated data. Knowledge graph data structures are populated with the extracted attribute information. A home knowledge graph is built, having nodes corresponding to the plurality of homes and edges corresponding to the identified relationships. A hierarchical cluster tree structure of the plurality of homes is outputted, wherein levels of the hierarchical cluster tree correspond to clusters of homes determined based in part on the knowledge graph edges.

Abstract: Systems, methods, and computer-readable storage media are described for processing data change request. In one exemplary embodiment, a computer-implemented method receives one or more requests in a software production environment for one or more data changes to data from a requestor. The method executes the request(s) in a rollback mode. The method generates a snapshot of the executed request(s). The method also transmits the snapshot to an approver. In response to an approval of the snapshot from the approver, the method also executes the request(s) in a commit mode.

Abstract: Systems, methods, and computer-readable media are disclosed for testing a software application. An exemplary method includes storing a control file identifying a test case for testing a software application. A first expected result may be extracted from a device storing expected results of the software application, the first expected result being identified by the control file. A first actual result may be extracted from a device storing actual results output by the software application, the first actual result being identified by the control file. The first expected result may be compared with the first actual result to determine whether the first actual result matches the first expected result. A result file indicating whether the test case passed or failed is generated, and the test case has passed when the first actual result matches the first expected result. The result file may be stored in a storage device.

Abstract: Systems, methods, and computer-readable media are disclosed for evaluating data quality. An exemplary embodiment includes storing a plurality of records, the records sharing a common attribute, and reading first values for the common attribute corresponding to a first time period and second values for the common attribute corresponding to a second time period. A business rule for evaluating the common attribute is accessed, and first and second consistency data are generated. The first consistency data may reflect the extent to which the first values of the common attribute are consistent with the business rule at the first time. The second consistency data may reflect the extent to which the second values of the common attribute are consistent with the business rule at the second time.

Abstract: Systems, methods, and computer-readable media are disclosed for extracting data from web applications. An exemplary embodiment includes monitoring web traffic between a client terminal and a server, the web traffic corresponding to a user's interaction with a web browser to send a request for data, such as a web page, from the client terminal to the server. A data log is created reflecting the monitored web traffic, and processed to extract the request for data. A command is generated for accessing the server based on the request for the data that was extracted from the data log. When the generated command is executed, it downloads the data from the server to the client terminal. Some embodiments are able to specify a pattern to search for in the downloaded web page, search the downloaded data for the pattern to identify data of interest and provide the identified data to a user.

Abstract: The present disclosure provides systems, methods, and products for assessing collateral data, including appraisal data, and providing timely notification of any problems or anomalies identified for the collateral. A central server may access collateral data from a remote data source, apply rules to the collateral data to detect problems, and then create a notification describing the problems. The central server may rapidly transmit the notification to remote computing devices that were registered by a lender, so that the lender may act quickly to remediate the problems. A collateral viewer application that interacts with the notifications may also be provided to lenders.

Abstract: Systems, methods, and computer-readable storage media are described for estimating real estate property values based on an adjusted repeat sales model using a regularized estimator. In one exemplary embodiment, a computer-implemented method calculates data for estimating the adjustments from an aggregated level to a first disaggregated level by marking a first transaction to a second transaction using a repeat sales house price index function at the aggregated level. The method also determines, using the calculated data, a regularized estimate of the deviation between the repeat sales house price index at the aggregated level and a repeat sales house price index at the first disaggregated level. The method further calculates the repeat sales house price index at the first disaggregated level based on the determined regularized estimate of the deviation from the aggregated level.

Abstract: Systems, methods, and computer-readable storage media are described for modeling the requirements of software to generate test requirements. In one exemplary embodiment, a computer-implemented method comprises generating a model of the requirements using a tree graph model, identifying primary paths of the tree graph model using an algorithm, and creating test cases based on the identified primary paths.

Abstract: The present disclosure describes a device and methods that provide a communication channel between two disparate decision management systems. In various embodiments, the device executes instructions performing operations that include receiving, from a first decision management system, a first plurality of artifacts that defines a first set of logic for a decision and that is executable by a first decision management system, wherein the first plurality of artifacts includes a top-down decision flow artifact. The operations also include converting the first plurality of artifacts from the first decision management system into a second plurality of artifacts that defines a second set of logic for the decision, that is equivalent to the first set of business logic, and that is executable by a second decision management system. Furthermore, the operations include communicating the second plurality of artifacts to a second decision management system, which executes the second plurality of artifacts.

Abstract: Systems, methods, and computer program products are provided for directing cash flows associated with a mortgage-backed security to back other securities without collapsing the original mortgage-backed security. A mortgage-backed security/an/or a set of loans is analyzed to identify cash flows from mortgages having specific desirable characteristics, and the cash flows are directed to subgroups or pools that support new mortgage-backed securities. The new securities make the desirable cash flows available to an issuer or prospective investor without collapsing the original mortgage-backed security.

Abstract: Systems and method are provided for testing an infrastructure. The infrastructure may include one or more computers connected by a network. Moreover, each of the computers may include an agent. In one embodiment, the method includes receiving, at a controller, a test request to perform at least one of a plurality of predetermined tests, the predetermined test including one or more parameters associated with performing the predetermined test and one or more expected results from performing the predetermined test. The method further includes determining whether the predetermined test is available at one of the computers. The method also includes sending, by the controller, the predetermined test to one of the computers based on the results of the determining step, such that the agent at the computer performs the predetermined test sent by the controller. Furthermore, the method includes receiving, at the controller, one or more results of the predetermined test performed by the agent at the computer.

Abstract: Systems and methods are provided for providing an adjustment to a value estimate for a property that is considered distressed. In one embodiment, a method includes receiving the estimate of value for the property; determining, based on a model, the adjustment to the estimate of value, such that the model accounts for a characteristic of the property and a characteristic of the loan; and providing the adjustment.

Abstract: Systems, methods, and computer-readable storage media are described for estimating real estate property values based on an adjusted repeat sales model using a regularized estimator. In one exemplary embodiment, a computer-implemented method calculates data for estimating the adjustments from an aggregated level to a first disaggregated level by marking a first transaction to a second transaction using a repeat sales house price index function at the aggregated level. The method also determines, using the calculated data, a regularized estimate of the deviation between the repeat sales house price index at the aggregated level and a repeat sales house price index at the first disaggregated level. The method further calculates the repeat sales house price index at the first disaggregated level based on the determined regularized estimate of the deviation from the aggregated level.

Abstract: Systems, methods, and computer readable media are provided for provisioning a service using a web-based user interface. An exemplary method may include establishing, using the web-based user interface, a profile including one or more services; and configuring an environment by specifying a computer to use for provisioning the one or more services in the profile. Furthermore, the method may include provisioning the one or more services in the configured environment, such that the one or more services generate a return code indicating a status of the provisioning.

Abstract: The present disclosure describes a device and methods that provide a new communication channel between two disparate decision management systems. In various embodiments, the device retrieves business logic artifacts from a first decision management system, analyzes them and creates equivalent business logic artifacts that operate on the second decision management system, and transmits the equivalent business logic artifacts for execution by the second decision management system via an API of the second decision management system. In various implementations, the device analyzes top-down decision flow artifacts from the first decision management system and creates equivalent bottom-up rule flow artifacts that are usable by the second decision management system.

Abstract: Systems, methods, and computer-readable media are disclosed for testing a software application. An exemplary method includes storing a control file identifying a test case for testing a software application. A first expected result may be extracted from a device storing expected results of the software application, the first expected result being identified by the control file. A first actual result may be extracted from a device storing actual results output by the software application, the first actual result being identified by the control file. The first expected result may be compared with the first actual result to determine whether the first actual result matches the first expected result. A result file indicating whether the test case passed or failed is generated, and the test case has passed when the first actual result matches the first expected result. The result file may be stored in a storage device.