Systems and methods for communications regarding loan collateral
Systems, methods, and non-transitory computer-readable storage media are provided. A central server receives collateral data and applies a set of collateral analysis rules thereto to identify a problem. The applying includes accessing, from a data source, supplemental data related to the collateral data, and detecting one or more differences exceeding discrepancy tolerances between the collateral data and the supplemental data. The central server generates a notification and a navigation link to access information from a source of problem information related to the collateral data. The central server transmits the notification to a computing device based upon a destination address. The notification activates an application to cause the notification to display on the computing device and to enable connection to the source of problem information via the navigation link.
1 . A system for communicating loan collateral information to a computing device of a lender, the system comprising:
a central server comprising:
a memory that stores instructions, a destination address for the computing device, and collateral identification information that was provided by the lender;
a transmitter; and
a processor, operably connected to the memory and the transmitter, that executes the instructions to perform operations comprising:
receiving collateral data, related to loans corresponding to the lender, from a first data source;
applying a set of rules to the collateral data to identify a problem in the collateral data, the applying the set of rules to the collateral data further comprising:
accessing, from a second data source, supplemental data related to the collateral data, and
detecting one or more differences between the collateral data and the supplemental data, the one or more differences exceeding tolerances;
generating a notification and a navigation link to access information from a source of problem information related to the collateral data; and
transmitting, using the transmitter, the notification to the computing device based upon the destination address, the notification being in a format that is compatible with the computing device;
wherein the notification activates an application to cause the notification to display on the computing device and to enable a connection to the source of problem information via the navigation link.
2 . The system of claim 1 , wherein a description of the problem included within the notification is based on a collateral analysis rule that was triggered.
3 . The system of claim 2 , wherein the description of the problem included within the notification further includes data associated with the collateral analysis rule that was triggered.
4 . The system of claim 1 , wherein the operations further comprise:
providing the application to the computing device.
5 . The system of claim 1 , wherein the navigation link includes information or instructions that cause the application to connect to a third data source, and access and display details about the collateral data and the problem.
6 . The system of claim 1 , wherein the source of problem information comprises the central server.
7 . The system of claim 1 , wherein the set of rules represent requirements for purchase of a loan associated with the collateral data by a potential buyer of the loan.
8 . The system of claim 1 , wherein the central server includes a web portal through which registration information from the lender is provided, the registration information including the destination address of the computing device and the collateral identification information.
9 . A method of communicating loan collateral information to a computing device of a lender, the method comprising:
receiving, at a central server, collateral data from a first data source, the collateral data being related to loans corresponding to the lender;
applying, by the central server, a set of rules to the collateral data to identify a problem in the received collateral data, the applying the set of rules to the received collateral data further comprising:
accessing, from a second data source, supplemental data related to the collateral data, and
detecting one or more differences between the collateral data and the supplemental data, the one or more differences exceeding tolerances;
generating, by the central server, a notification and a navigation link to access information from a source of problem information related to the collateral data; and
transmitting, by the central server, the notification to the computing device based upon a destination address of the computing device, the notification being in a format that is compatible with the computing device;
wherein the notification activates an application to cause the notification to display on the computing device and to enable connection to the source of problem information via the navigation link.
10 . The method of claim 9 , wherein the navigation link includes information or instructions that cause the application to connect to a third data source, and access and display details about the collateral data and the problem.
11 . The method of claim 9 , wherein the navigation link includes information or instructions that cause the application to automatically connect to a third data source, and access and display details about the collateral data and the problem.
12 . The method of claim 9 , further comprising receiving registration information from the lender via a web portal of the central server, the registration information including the destination address of the computing device and collateral identification information.
13 . The method of claim 9 , wherein a description of the problem included within the notification is based on a triggered rule and includes data associated with the triggered rule.
14 . The method of claim 9 , wherein the source of problem information is the central server.
15 . The method of claim 9 ,
wherein the applying a set of rules to the collateral data comprises:
comparing information from the collateral data to information from the supplemental data to detect any differences that exceed the tolerances.
16 . The method of claim 9 , wherein the set of rules represents requirements for purchase of a loan associated with the collateral data by a potential buyer of the loan.
17 . At least one non-transitory computer-readable storage medium having instructions stored thereon for at least one processor of a computing device, wherein when the instructions are executed by the at least one processor, the computing device performs operations comprising:
receiving collateral data from a first data source, the collateral data being related to loans corresponding to a lender;
identifying a problem in the received collateral data by applying a set of rules to the received collateral data, the applying the set of rules further comprising:
accessing, from a second data source, supplemental data related to the collateral data, and
detecting one or more differences that exceed tolerances between the collateral data and the supplemental data;
generating a notification that includes a description of the problem and a description of the collateral data; and
transmitting the notification to another computing device based on a destination address of the another computing device, the notification being in a format that is compatible with the another computing device, wherein the transmitted notification activates the another computing device to cause the notification to display on the another computing device and to enable connection to a source of problem information related to the collateral data.
18 . The at least one non-transitory computer-readable storage medium of claim 17 , wherein the operations further comprise providing an application to the another computing device for installation, wherein the application displays the notification and enables the connection.
19 . The at least one non-transitory computer-readable storage medium of claim 17 , wherein:
the generating of the notification further comprises including a navigation link in the notification, and wherein the another computing device enables the connection to the source of problem information related to the collateral data using the navigation link.
20 . The at least one non-transitory computer-readable storage medium of claim 17 , wherein the operations further comprise:
filtering the received collateral data based on collateral identification information, provided by the lender, to identify the collateral data related to loans of the lender.