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 estimating real estate property values based on an adjusted repeat sales model. In one exemplary embodiment, a computer-implemented method comprises calculating data for estimating the adjustments from aggregated levels to disaggregated levels by marking a first transaction to a second transaction using a repeat sales house price index function at an aggregated level; determining, using the calculated data, an estimate of the deviation between the repeat sales house price index at the aggregated level and a repeat sales house price index at a disaggregated level; and calculating the repeat sales house price index at the disaggregated level based on the determined estimate of the deviation from the aggregated level.

Abstract: Systems, methods, and computer-readable media are disclosed for using a synthetic reference structure to determine if an obligation is triggered.

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 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, 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 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: Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.

Abstract: Systems, methods, and computer-readable storage media are described for processing data change requests. 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 calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period. The second time period may be subsequent to the first time period. The property value data may be processed to identify the first values and the second values, and time intervals between dates of the first values and dates of the second values may be calculated. Value changes of the real estate properties over the time intervals may also be calculated, based on the first values and the second values. A volatility measure for the real estate properties may be determined based on the value changes of the real estate properties over the time intervals, and the volatility measure may be output to a user.

Abstract: Systems, methods, and computer-readable media are disclosed for calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period. The second time period may be subsequent to the first time period. The property value data may be processed to identify the first values and the second values, and time intervals between dates of the first values and dates of the second values may be calculated. Value changes of the real estate properties over the time intervals may also be calculated, based on the first values and the second values. A volatility measure for the real estate properties may be determined based on the value changes of the real estate properties over the time intervals, and the volatility measure may be output to a user.

Abstract: Systems, methods, and computer program products are provided for creating and using a common, generic, data/object model to represent information grids or lookup tables, such as a mortgage asset pricing information grid, mortgage asset re-pricing grid, and credit risk pricing grid. The common model allows a common software representation for logically different attributes.

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: 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 media for evaluating data quality may include storing a plurality of 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 consistency of the first values with the business rule at the first time. The second consistency data may reflect consistency of the second values with the business rule at the second time. The first consistency data and the second consistency data are processed to generate a quality change rate of the common attribute from the first time period to the second time period, based on the difference between the first consistency data and the second consistency data.

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, 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: A method of routing data that is part of a grid job including steps of: receiving a data packet at a routing device; determining whether the data packet is identified as part of a grid job; and routing the data packet that is identified as part of a grid job through the Internet to an external node.

Abstract: A method, system, and non-transitory computer-readable storage medium are disclosed that determine a likelihood that an appraisal for a property is accurate. The method may include receiving borrower information and property information. The method may further including calculating, based on the received borrower information and property information, a score for the appraisal of the property, the score providing an indication of the accuracy of the appraisal. The method may further include establishing a plurality of ranges within which the score may fall, each of the ranges providing a relative indication of the accuracy of the appraisal. The method may further include analyzing the score to determine within which of the plurality of ranges the score falls. The method may further include determining, based on the analysis of within which range the score falls, whether to request further review of the appraisal.

Abstract: Systems, methods, and computer program products are provided for increasing the return from a pool of loans for a company involved in the guarantee and securitization of such loans. In one exemplary embodiment, a computer-implemented method comprises creating a plurality of sub-pools in which to place loans from the pool of loans; determining, using one or more processors, an external value assessment for one or more loans from the pool and an internal value assessment for the one or more loans; identifying a difference between the external and internal value assessments; and selecting a sub-pool from the plurality of sub-pools to place the one or more loans based upon the identified difference.