Abstract: A blockchain system secures transaction workflows. The blockchain system includes a first node associated with a first party to a transaction and a second node associated with a second party to the transaction. The first node receives transaction data for the transaction. The first node generates a block for the transaction. The block includes the transaction data, a hash generated using the transaction data, and a hash of a prior block in a node data store of the first node. The first node sends the block to the second node and receives an indication that the second node has verified the block. The first node stores the verified block in the node data store. The first node may enable execution of the transaction after the block has been verified by all nodes involved in the transaction.

Abstract: The invention is directed to a method and apparatus for protecting a party having an interest in a real property against an inaccurate appraisal of the value of the real property, wherein a loan is provided from a lender to a borrowed, the loan being secured by the real property wherein the system involves generating a determined value of the real property using an automated valuation model; and covering the lender under a warranty for a warranted amount comprising at least a portion of the determined value to provide financial compensation for at least a portion of the appraised in value of the real property. The system of the invention may be accomplished over a computer network, such as by using email and the Internet.