The mortgage industry has learned from the past. The so-called mortgage crisis of 2007 exposed flaws in the mortgage industry. Many mortgages lacked sufficient documentation, checks and balances were not implemented, and fraud was alleged.
The features, aspects, and advantages of the exemplary embodiments are understood when the following Detailed Description is read with reference to the accompanying drawings, wherein:
The exemplary embodiments will now be described more fully hereinafter with reference to the accompanying drawings. The exemplary embodiments may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. These embodiments are provided so that this disclosure will be thorough and complete and will fully convey the exemplary embodiments to those of ordinary skill in the art. Moreover, all statements herein reciting embodiments, as well as specific examples thereof, are intended to encompass both structural and functional equivalents thereof. Additionally, it is intended that such equivalents include both currently known equivalents as well as equivalents developed in the future (i.e., any elements developed that perform the same function, regardless of structure).
Thus, for example, it will be appreciated by those of ordinary skill in the art that the diagrams, schematics, illustrations, and the like represent conceptual views or processes illustrating the exemplary embodiments. The functions of the various elements shown in the figures may be provided through the use of dedicated hardware as well as hardware capable of executing associated software. Those of ordinary skill in the art further understand that the exemplary hardware, software, processes, methods, and/or operating systems described herein are for illustrative purposes and, thus, are not intended to be limited to any particular named manufacturer.
As used herein, the singular forms “a,” “an,” and “the” are intended to include the plural forms as well, unless expressly stated otherwise. It will be further understood that the terms “includes,” “comprises,” “including,” and/or “comprising,” when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. It will be understood that when an element is referred to as being “connected” or “coupled” to another element, it can be directly connected or coupled to the other element or intervening elements may be present. Furthermore, “connected” or “coupled” as used herein may include wirelessly connected or coupled. As used herein, the term “and/or” includes any and all combinations of one or more of the associated listed items.
It will also be understood that, although the terms first, second, etc. may be used herein to describe various elements, these elements should not be limited by these terms. These terms are only used to distinguish one element from another. For example, a first device could be termed a second device, and, similarly, a second device could be termed a first device without departing from the teachings of the disclosure.
Exemplary embodiments, though, automate the audit 42. Exemplary embodiments compare the cryptographic audit key(s) 36 to the current version 52 of the electronic mortgage documents 24. That is, the audit server 50 may independently hash the electronic data 22 representing the current version 52 of the electronic mortgage documents 24 (using the same cryptographic hashing algorithm 34) to generate one or more verification hash values 56. If the verification hash values 56 match the cryptographic audit keys 36 sent via the audit file 44, then the electronic mortgage document 24 has not changed since the date and time of creation 32. That is, the current version 52 of the electronic mortgage documents 24 is the same as the original version 30, unaltered, and thus authentic 58. However, if the verification hash values 56 (generated from hashing the current version 52 of the electronic mortgage documents 24) fail to match the cryptographic audit keys 36 incorporated into the audit file 44, then the electronic mortgage documents 24 have changed since the date and time of creation 32. The audit file 44, in other words, reveals an alteration that may indicate the current version 52 is inauthentic 60. Exemplary embodiments may thus generate a flag 62 or other fraud alert 64 to initiate further investigation.
Exemplary embodiments thus present elegant auditing tools. Exemplary embodiments may provide the auditor 40 with both the cryptographic hash of the original version 30 and the raw electronic data 22 representing the current version 52. If the auditor 40 substantially or exactly matches the digital signatures (e.g., the verification hash values 56 and the cryptographic audit keys 36), then perhaps the audit 42 is complete and no further inquiry is required. But if the current version 52 has changed, the digital signatures will differ, perhaps even substantially. Indeed, even a change to a single character in a single word can produce a noticeable difference in hash values. So, if the digital signatures are different, the current version 52 of the electronic mortgage documents 24 may fail an authentication (e.g., the authentic 58 or inauthentic 60 determination). The auditor 40 may have thus discovered an altered/forged version of the electronic mortgage documents 24.
Exemplary embodiments may be applied to any electronic document. Most readers are thought familiar with mortgage documents. This disclosure thus mainly explains auditing of mortgage documents. Exemplary embodiments, though, may be applied to auditing of any electronic data representing any document.
Exemplary embodiments may use any hashing function. Many readers may be familiar with the SHA-256 hashing algorithm that generates a 256-bit hash value. Exemplary embodiments obtain or retrieve the electronic data 22 representing the original version 30. The SHA-256 hashing algorithm acts on the electronic data 22 to generate a 256-bit hash value as the cryptographic audit key 36. The audit key 36 is thus a digital signature that uniquely represents the electronic data 22. There are many hashing algorithms, though, and exemplary embodiments may be adapted to any hashing algorithm.
Exemplary embodiments may be applied regardless of networking environment. Exemplary embodiments may be easily adapted to stationary or mobile devices having cellular, wireless fidelity (WI-FI®), near field, and/or BLUETOOTH® capability. Exemplary embodiments may be applied to mobile devices utilizing any portion of the electromagnetic spectrum and any signaling standard (such as the IEEE 802 family of standards, GSM/CDMA/TDMA or any cellular standard, and/or the ISM band). Exemplary embodiments, however, may be applied to any processor-controlled device operating in the radio-frequency domain and/or the Internet Protocol (IP) domain. Exemplary embodiments may be applied to any processor-controlled device utilizing a distributed computing network, such as the Internet (sometimes alternatively known as the “World Wide Web”), an intranet, a local-area network (LAN), and/or a wide-area network (WAN). Exemplary embodiments may be applied to any processor-controlled device utilizing power line technologies, in which signals are communicated via electrical wiring. Indeed, exemplary embodiments may be applied regardless of physical componentry, physical configuration, or communications standard(s).
Exemplary embodiments may utilize any processing component, configuration, or system. Any processor could be multiple processors, which could include distributed processors or parallel processors in a single machine or multiple machines. The processor can be used in supporting a virtual processing environment. The processor could include a state machine, application specific integrated circuit (ASIC), programmable gate array (PGA) including a Field PGA, or state machine. When any of the processors execute instructions to perform “operations,” this could include the processor performing the operations directly and/or facilitating, directing, or cooperating with another device or component to perform the operations.
Exemplary embodiments may packetize. The server 20 and the audit server 50 may have network interfaces to the communications network 46, thus allowing collection and retrieval of information. The information may be received as packets of data according to a packet protocol (such as the Internet Protocol). The packets of data contain bits or bytes of data describing the contents, or payload, of a message. A header of each packet of data may contain routing information identifying an origination address and/or a destination address.
Exemplary embodiment may thus incorporate a data version 170 in the audit file 44. For example, if the electronic mortgage document 24 and/or the audit file 44 is the JSON document 166, then the data version 170 may be the structured data 150 arranged or formatted according to the JSON schema 168. Exemplary embodiments may thus retrieve and incorporate the data version 170 in the audit file 44.
Exemplary embodiments may thus be used to retrieve different versions of the electronic mortgage document 24. If the audit file 44 references the source key 210 representing the original version 30 of the electronic mortgage document 24, then the audit server 50 need only query the key server 216 to determine the corresponding sourcing data 90 describing the network location associated with the original version 30. Similarly, if the audit file 44 references the source key 210 representing the current version 52 of the electronic mortgage document 24, then the audit server 50 need only query the key server 216 to determine the corresponding sourcing data 90 describing the network location associated with the current version 52. Exemplary embodiments may thus hash any of the metadata 92 and include the resulting hash values in the audit file 44.
Exemplary embodiments may thus protect the audit file 44. When the server 20 generates the audit file 44, the server 20 may split the audit file 44 into multiple pieces termed shares 242. The server 20 may then distribute one or more of the shares 242 via the blockchain 112 to the Internet Protocol address associated with the audit server 50.
Exemplary embodiments may thus stash the shares 242 in the multiple blockchains 112a-c. Because the audit file 44 may be split into the multiple shares 242, any one or more recipient peer devices must possess a sufficient minimum number MMin (illustrated as reference numeral 252) of the shares 242 before the audit file 44 may be recovered. That is, possession of an insufficient number of the shares 242 guarantees that the audit file 44 remains unknown and confidential. So, if the first blockchain 112a contains less than the MMin 252 of the total shares 242, then the first group 244a of peer devices cannot reconstruct the audit file 44. Likewise, if the second blockchain 112b and/or the third blockchain 112c also contains less than the MMin 252, the second group 244b of peer devices and the third group 244c of peer devices are also unable to reveal or decipher the audit file 44. In other words, no single one of the multiple blockchains 112a-c stores the requisite minimum number MMin 252 of the shares 242 to launch a brute-force attack on the audit file 44. Even multiple ones of the blockchains 112a-c may be purposefully designed to never exceed the requisite minimum number MMin 252 of the shares 242, perhaps thus forcing a hacker to compromise several or all of the blockchains 112a-c. A rogue attack, in simple words, would have to access and compromise multiple blockchains 112 before jeopardizing the audit file 44.
Exemplary embodiments thus present another elegant solution. The sensitive, secret audit file 44 may be secretly shared via the one or more blockchains 112a-c. Even if the blockchains 112a-c are dispersed to trusted peer devices, the peer devices still cannot discern the audit file 44 until the threshold minimum number MMin 252 of the shares 242 is obtained. Exemplary embodiments thus purposefully add a second-layer of protection, beyond merely trusted receipt of the blockchain 112. The trusted peers simply do not have access to the audit file 44 until the minimum number MMin 252 of the shares 242 is obtained.
Any secret sharing scheme may be utilized. The reader is perhaps familiar with Shamir's Secret Sharing Algorithm, which is a well-known cryptographic algorithm. Exemplary embodiments may thus divide the audit file 44 into unique parts (e.g., the shares 242), with each individual share 242 being different from other shares 242. However, there are many secret sharing or splitting schemes and algorithms for distributing a secret, and exemplary embodiments may be applied regardless of any particular scheme or algorithm.
where the total number NS 264 of the shares 242 is ten thousand (10,000) times the number NB 266 of blockchains 112 that must be used. Again, as a simple example, if the audit file 44 is associated with one million (1,000,000) shares 242, then one hundred (100) different blockchains 112 must be generated and distributed. The sharing strategy 260, in other words, may set a maximum number NS. (illustrated as reference numeral 268) of shares 242 integrated into any single blockchain 112. The sharing strategy 260, in other words, may thus limit the number of the shares 242 exposed by any individual blockchain 112.
where the total number NR 270 of the recipients is one hundred (100) times the number NB 266 of blockchains 112 that must be used. Again, as a simple example, if there are ten thousand recipients, then one hundred (100) different blockchains 112 must be generated and distributed. The sharing strategy 260, in other words, may set a maximum number NRmax (illustrated as reference numeral 272) of recipients per blockchain 112. The sharing strategy 260, in other words, may thus limit the number of the shares 242 exposed by any individual blockchain 112.
The sharing strategy 260 may be implemented as logical rules. If the sharing strategy 260 is mathematically defined (such as the ratio above discussed), the sharing strategy 260 may be expressed as logical statements involving mathematical expressions. Exemplary embodiments may code or program the sharing strategy 260 to achieve policy goals and/or security objectives.
Exemplary embodiments may be applied to any signaling standard. Most readers are thought familiar with the Global System for Mobile (GSM) communications signaling standard. Those of ordinary skill in the art, however, also recognize that exemplary embodiments are equally applicable to any communications device utilizing the Time Division Multiple Access signaling standard, the Code Division Multiple Access signaling standard, the “dual-mode” GSM-ANSI Interoperability Team (GAIT) signaling standard, or any variant of the GSM/CDMA/TDMA signaling standard. Exemplary embodiments may also be applied to other standards, such as the I.E.E.E. 802 family of standards, the Industrial, Scientific, and Medical band of the electromagnetic spectrum, BLUETOOTH®, and any other.
Exemplary embodiments may be physically embodied on or in a computer-readable storage medium. This computer-readable medium, for example, may include CD-ROM, DVD, tape, cassette, floppy disk, optical disk, memory card, memory drive, and large-capacity disks. This computer-readable medium, or media, could be distributed to end-subscribers, licensees, and assignees. A computer program product comprises processor-executable instructions for auditing mortgage documents, as the above paragraphs explained.
While the exemplary embodiments have been described with respect to various features, aspects, and embodiments, those skilled and unskilled in the art will recognize the exemplary embodiments are not so limited. Other variations, modifications, and alternative embodiments may be made without departing from the spirit and scope of the exemplary embodiments.
This patent application is a divisional filing of U.S. application Ser. No. 15/465,702 filed Mar. 22, 2017 and since issued as U.S. Pat. No. 10,817,873, which is incorporated herein by reference in its entirety. This patent application also relates to U.S. application Ser. No. 15/419,033 filed Jan. 30, 2017 (since issued as U.S. Pat. No. 10,419,225), to U.S. application Ser. No. 15/419,042 filed Jan. 30, 2017, to U.S. application Ser. No. 15/435,612 filed Feb. 17, 2017 (since issued as U.S. Pat. No. 10,411,897), to U.S. application Ser. No. 15/452,760 filed Mar. 8, 2017, to U.S. application Ser. No. 15/456,067 filed Mar. 10, 2017, and to U.S. application Ser. No. 15/459,061 filed Mar. 15, 2017, with all patent applications incorporated herein by reference in their entireties.
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20210119785 | Ben-Reuven | Apr 2021 | A1 |
20210174353 | Snow | Jun 2021 | A1 |
20210200653 | Jetzfellner | Jul 2021 | A1 |
20210226769 | Snow | Jul 2021 | A1 |
20210226773 | Snow | Jul 2021 | A1 |
20210266174 | Snow | Aug 2021 | A1 |
20210272103 | Snow | Sep 2021 | A1 |
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20210328804 | Snow | Oct 2021 | A1 |
20210342836 | Cella | Nov 2021 | A1 |
20210366586 | Ryan | Nov 2021 | A1 |
20220006641 | Snow | Jan 2022 | A1 |
20220012731 | Derosa-Grund | Jan 2022 | A1 |
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20220020001 | Snow | Jan 2022 | A1 |
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20220103341 | Snow | Mar 2022 | A1 |
20220103343 | Snow | Mar 2022 | A1 |
20220103344 | Snow | Mar 2022 | A1 |
20220103364 | Snow | Mar 2022 | A1 |
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5383297 | Jan 2014 | JP |
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100653512 | Nov 2006 | KR |
1747221 | May 2017 | KR |
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WO 0049797 | Aug 2000 | WO |
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