1. A fraud detection system to detect fraud in a financial loan application process, the system comprising:
one or more interfaces configured to receive loan application information data from a plurality of unique data sources that comprise a plurality of different lenders, the loan application information data comprising a first plurality of loan application data records originating from a first lender and a second plurality of loan application data records originating from a second lender, wherein the first plurality of loan application data records comprises at least a first loan application data record originating from the first lender;
a database configured to receive the loan application information data from the plurality of unique data sources and to store the loan application information data with an identifier configured to distinguish loan application information data records received from the plurality of unique data sources; and
a computer processor configured to populate an internal pipeline for the first lender comprising the first plurality of loan application data records originating from the first lender by using the unique identifier associated with the first lender;
the computer processor further configured to populate an external pipeline for the first lender comprising at least the second plurality of loan application data records originating from the second lender;
the computer processor further configured to compare the first loan application data record to other loan application data records in the first lender’s internal pipeline, and further configured to compare the first loan application data record to loan application data records in the first lender’s external pipeline; and
the computer processor further configured to identify potential fraud in a loan application corresponding to the first loan application data record based on the comparisons between the first loan application data record and the first lender’s internal and external pipelines.
2. The fraud detection system of claim 1, the computer processor further configured to determine whether one or more loan application data records contain one or more duplicate data fields as compared to the first data record, and to flag the loan application data records containing the one or more duplicate data fields; and
the computer processor further configured to determine if one or more of the flagged loan application data records contain a discrepancy in one or more other data fields as compared to the first loan application.
3. The fraud detection system of claim 2, the computer processor further configured to report at least one of information concerning the loan application information data records containing the one or more duplicate data fields and information concerning the flagged loan application information data records containing discrepant information in the one or more other data fields.
4. The fraud detection system of claim 3, the computer processor further configured to organize information in a report at least partially based on a weight corresponding to the one or more other data fields and a measurement of discrepancy in the one or more other data fields.
5. The fraud detection system of claim 1, the computer processor further configured to place one or more received loan application information data records in an active state for a predetermined holding period and periodically analyze active-state loan application data records relative to loan application data records received after the active-state data records.
6-7. (canceled)
8. The fraud detection system of claim 1, wherein the computer processor is configured to determine if one or more of the loan application data records contain substantially similar addresses for a real estate property involved in a loan transaction.
9. A method to detect potential fraud in a financial credit or loan application process, the fraud detection method comprising:
providing a database operatively configured to receive data comprising a plurality of financial credit or loan applications from a plurality of lenders;
configuring a computer processor to perform a two-level search comprising:
identifying a subset of loan applications containing one or more of the loan applications having duplicate data in one or more predetermined data fields; and
determining whether the loan applications in the subset of loan applications comprise one or more other fields having discrepant data; and
configuring the computer processor to identify potential instances of fraud based on the discrepant data.
10. (canceled)
11. The fraud detection method of claim 9, further comprising configuring the processor to conduct a dual loan pipeline analysis that includes an internal pipeline analysis comprising a comparison of all loan applications from a first lender to each other and an external pipeline analysis comprising a comparison of loan applications from the first lender to data records from the plurality of lenders.
12. The fraud detection method of claim 9, wherein identifying a subset of loan applications containing one or more of the loan applications having duplicate data in one or more predetermined data fields comprises determining if the one or more data records contain data fields having duplicate property address information or duplicate borrower information.
13. The fraud detection method of claim 9, further comprising configuring the database to provide reports to a user with data organized based on results of a sorting algorithm providing weights to data fields of the data.
14. The fraud detection method of claim 9, further comprising holding data pertaining to one or more of the loan applications in the database for a predetermined holding period and configuring the computer processor to compare existing loan applications to loan applications received after the existing loan applications at predefined intervals.
15-18. (canceled)
19. The computer-readable medium of claim 26, wherein the first data field containing the duplicate value comprises property address information, and wherein the first data field is examined to determine if a single property is subject to multiple loan applications.
20. The computer-readable medium of claim 26, the method further comprising repeatedly determining on a pre-determined basis whether the first loan application has a data field containing a duplicate value of another data field contained within at least one other received loan application, and whether the received loan applications having the duplicate values as compared to the first loan application have other data fields with disparate data fields as compared to the first loan application.
21. The fraud detection system of claim 1, the computer processor further configured to conduct an internal pipeline loan analysis by comparing the first loan application data record from the first lender to other loan application data records from the first lender and an external loan pipeline analysis by comparing the first loan application data record to other loan application data records from the plurality of lenders.
22. The fraud detection system of claim 1, the database further configured to receive the loan application information data at an initial loan application stage of a loan application process.
23. The fraud detection method of claim 9, the computer processor further configured to perform the two-level search on the loan applications during an initial loan application stage.
24. The fraud detection method of claim 9, further comprising configuring the computer processor to identify duplicate data between a first data field of a first loan application and a second data field of a second loan application, wherein the first data field and the second data field represent different elements of a loan application.
25. The computer-readable medium of claim 9, the method further comprising determining a type of fraud indicated by the first loan application through an iterative process comprising, for each fraud type of a predetermined plurality of fraud types, determining how closely one or more characteristics of the first loan application meet predetermined criteria corresponding to the fraud type.
26. A computer-readable medium having computer readable instructions stored thereon for execution by a processor to execute a method for identifying potential fraud in a loan application, the method comprising:
receiving data related to a first loan application originating from a first subscriber;
receiving data related to a second loan application, the first loan application and the second loan application having a duplicate value in a first data field, and having disparate values in a second data field, wherein the first data field corresponds to one of a plurality of predetermined key data fields;
configuring a computer processor to compare the first loan application to the second loan application;
flagging the second loan application based on identification of the duplicate value in the first data field and the disparate values in the second data field;
inserting the second loan application into a set of flagged loan applications, wherein each of the set of flagged loan applications comprises a duplicate value in a key data field and a disparate value in an other data field, as compared to the first loan application;
ranking the first loan application among a plurality of loan applications based on a predetermined algorithm, wherein the first loan application is ranked relative to the plurality of loan applications based at least partially on (i) importance of the other data fields having disparate values in the set of flagged loan applications and (ii) a measurement of disparity between the disparate values in the other data fields of the set of flagged loan applications, as compared to the first loan application; and
reporting the ranked plurality of loan applications to the first subscriber.
27. The computer-readable medium of claim 26, the method further comprising calculating a score for the first loan application, wherein the score is based on results of comparing the first loan application to other loan applications in the set of flagged loan applications.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A personal use wireless extension listening device that wirelessly connects with an end-user wireless device, comprising:
a. a collar that has two end-members and a joining member, the joining member connects the two end-members, wherein, when the collar is worn around neck of a human, the joining member is positioned behind the neck and two end-members are positioned on two collarbone areas below ears and next to the neck;
b. the end-members of the collar have positioned directional speakers and tilt mechanisms therein, the tilt mechanisms adjust the direction of the speakers for the speakers to radiate sound above in direction of the ears of the human wearing the collar around the neck, the personal use wireless extension listening device is used to listen to audio that is wirelessly received from an end-user wireless device; wherein the end-user wireless device is from a group of, a music system, a mobile wireless communication device, a desktop communication device, and an audiovideo recording device;
c. the end-members of the collar house integrated circuits with embedded logic, the embedded logic receives voice commands from the human and a device status from the end-user wireless device to control an operational mode for communication, music, computations, record, send and enter data and images in the end-user wireless device.
2. The personal use wireless extension device as in claim 1, comprising:
the end-members of the collar house integrated circuits with embedded logic, controls, wireless circuits, transmitting and receiving antennas, microphones, and batteries, in addition to the directional speakers, wherein the end-members also function as a wireless communication device, to the end-user wireless device.
3. The personal use wireless extension device as in claim 2, comprising:
the integrated circuits have a logic for receiving voice command of the human wearing the collar to control operation of the personal use device including, turning the personal use wireless extension device onoff, activating a right or a left side of the personal use device, and turning audio volume up and down.
4. The personal use wireless extension device as in claim 2, comprising:
a. the integrated circuits have a logic for receiving voice commands from the human wearing the collar that control operation of the end-user wireless device and wirelessly transmit such commands to the end-user wireless device;
b. the integrated circuits also have a logic for receiving device status data from the end-user wireless device and translate the end-user wireless device status data into audio signals for the human wearing the collar;
c. the voice commands and the device status data are used to effect change in the operational mode for communication, music, computations, record, send and enter data and images in the end-user wireless device.
5. The personal use wireless extension device as in claim 2, comprising:
a transmitting pattern of the transmitting antenna in each of the end-members is oriented below the neck of the user to keep transmitted radiation away from head area of the human wearing the collar.
6. The personal use wireless extension device as in claim 1, comprising:
a. a joint in the center of the joining member that joins two halves of the collar, the joint facilitates removal and wear of the collar on the human neck;
b. the joint has a feature to adjust the collar for different human neck sizes.
7. The personal use wireless extension device as in claim 1, comprising:
the joining member has hinges for movement between end-members and the joining member that facilitate positioning the end-members with the speakers flat on the collarbone area.
8. The personal use wireless extension device as in claim 1, comprising:
the end-members have a tilt mechanism to tilt and fine tune an orientation of the directional speakers towards the human ears.
9. A method for a personal use wireless extension listening device that wirelessly connects with end-user device, comprising steps of:
a. creating a collar that has two end-members and a joining member, the joining member connects the two end-members, wherein, when the collar is worn around neck of a human, the joining member is positioned behind the neck and the two end-members are positioned on collarbone areas below ears and next to the neck;
b. positioning directional speakers and tilt mechanisms in the end-members and adjusting by tilt mechanisms direction of the speakers for radiating audio sound above in a direction of the ears of the human wearing the collar around the neck, and using the directional speakers to wirelessly listen to audio that is wirelessly received from the end-user wireless device; wherein the end-user wireless device is from a group of, a music system, a mobile wireless communication device, a desktop communication device, and an audiovideo recording device;
c. housing in the end-members of the collar integrated circuits with embedded logic, receiving by the embedded logic voice commands from the human and a device status from the end-user wireless device for controlling an operational mode for communication, music, computations, record, send and enter data and images in the end-user wireless device.
10. The method for the personal use wireless extension device as in claim 9, comprising steps of:
a. housing in end-members of the collar, integrated circuits with embedded logic, controls, wireless circuits, transmitting and receiving antennas, microphones, and batteries, in addition to the directional speakers;
b. using the end-members as a wireless communication device to the end-user wireless device.
11. The method for the personal use wireless extension device as in claim 10, comprising steps of:
providing a logic in the integrated circuits for receiving voice command to control operation of the personal use device, including, turning the device onoff, activating right side or left side or both sides of the device, and turning volume up and down.
12. The method for the personal use wireless extension device as in claim 10, comprising steps of:
a. providing a logic in the integrated circuits for receiving voice commands that control operation of the end-user wireless device and wirelessly transmit such commands to the end-user wireless device;
b. providing a logic in the integrated circuits for receiving device status from the end-user wireless device and translate the end-user device status data into audio signals for the human wearing the collar;
c. using the voice commands to change operation mode for communication, music, computations, record, send and enter data and images in the end-user wireless device, wherein the end-user wireless device is from a group of a music system, a mobile wireless device, a desktop communication device, and an audiovideo recording device.
13. The method for the personal use wireless extension device as in claim 10, comprising steps of:
orienting transmitting pattern of the transmitting antenna in each of the end-members below the neck of the human to keep transmitted radiation away from head area of the human wearing the collar.
14. The method for the personal use wireless extension device as in claim 9, comprising steps of:
a. creating a joint in the center of the joining member that joins two halves of the collar, the joint is used to facilitate removal and wear of the collar on the human neck;
b. adjusting the joint to adjust the collar for different human neck sizes.
15. The method for the personal use wireless extension device as in claim 9, comprising steps of:
providing hinges for movement between end-members and the joining member that facilitate positioning the end-members with the speakers flat on the collarbone area.
16. The method for the personal use wireless extension device as in claim 9, comprising steps of:
providing a tilt mechanism to fine tune orientation of the directional speakers towards the human ears.
17. A personal use wireless extension device to an end-user wireless device, comprising:
a. a collar that has two end-members and a joining member, the joining member connects the two end-members, wherein, when the collar is worn around neck of a human, the joining member is positioned behind the neck and the two end-members are positioned on the collar bone areas below ears and next to the neck;
b. the end-members have positioned directional speakers with their tilt mechanisms, the tilt mechanisms adjust direction of the speakers for the speakers to radiate sound above in a direction of the ears of the human wearing the collar around the neck; and
c. the end-members have also positioned therein microphones that pick up voice commands of a user wearing the collar, thereby the collar is used as an interface to the end-user wireless device; wherein the end-user wireless device is from a group of, a music system, a mobile wireless communication device, a desktop communication device, and an audiovideo recording device;
d. the end-members of the collar house integrated circuits with embedded logic, the embedded logic receives voice commands from the human and a device status from the end-user wireless device to control an operational mode for communication, music, computations, record, send and enter data and images in the end-user wireless device.
18. The personal use wireless extension device to the end-user wireless device, as in claim 17, comprising:
a. the end-members of the collar house integrated circuits with embedded logic, controls, wireless circuit, antenna, and battery;
b. the end-members function as wireless extensions of other end-user wireless devices that include, communication devices, music devices, and audio visual appliances used in an automobile, in a home, or office environment.
19. The personal use wireless extension device as in claim 18, comprising:
a. the integrated circuits have a logic for receiving voice command of the human wearing the collar to control operation of the personal use device including, turning the personal use device onoff, activating a right or a left side of the personal use device, and turning audio volume up and down;
b. the integrated circuits have a logic for receiving voice commands from the human wearing the collar that control operation of the end-user wireless device and wirelessly transmit such commands to the end-user device;
c. the integrated circuits also have a logic for receiving device status data from the end-user wireless device and translate the end-user wireless device status data into audio signals for the human wearing the collar.
20. The personal use wireless extension device to an end-user device, as in claim 17, comprising:
a transmitting pattern of the antenna in each of the end-members is oriented to be below the neck of the user to keep transmitting radiation away from head area of the user of the collar.