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1. 发明申请

US20060173759A1 System and method for two-pass regulatory compliance 审中-公开
标题翻译：双向合规的制度和方法
公开(公告)号：US20060173759A1
公开(公告)日：2006-08-03
申请号：US10971425
申请日：2004-10-22
申请人： Timothy Green , Lynette Hotchkiss , Jason Connolly , Albert Ogrodski , Louis Pizante , Paul Nidenberg
发明人： Timothy Green , Lynette Hotchkiss , Jason Connolly , Albert Ogrodski , Louis Pizante , Paul Nidenberg
IPC分类号： G06Q40/00
CPC分类号： G06Q10/00 , G06Q40/00
摘要： An automated system and method for ensuring that information in the form of data files provided by highly regulated businesses, such as financial institutions, comply with the most currently applicable Federal, state and local laws and regulations. This may be accomplished by applying a set of computer-encoded compliance rules to the transaction data files from these businesses in a two-pass regulatory compliance review methodology. In a first pass, a limited set of input data elements from one or more input transaction data files is used that results in an extremum or worst-case condition for compliance assessment by using one or more compliance rule sets. The transaction data files that are found to be not in compliance when using this limited set of data elements may or may not be in compliance when using a more complete and detailed set of data elements in a second pass.
摘要翻译：一种自动化系统和方法，用于确保高度管理的企业（如金融机构）提供的数据文件形式的信息符合当前最适用的联邦，州和当地法律法规。这可以通过将一套计算机编码的合规性规则应用于来自这些业务的交易数据文件，通过双向监管合规审查方法来实现。在第一遍中，使用来自一个或多个输入交易数据文件的有限的一组输入数据元素，其通过使用一个或多个合规性规则集而导致用于合规性评估的极值或最坏情况条件。当在第二次通过中使用更完整和更详细的数据元素集合时，在使用此有限数据元素集合时发现不合规的事务数据文件可能符合或可能不合规。

2. 发明申请

US20090177664A9 System and Method for Regulatory Rules Repository Generation and Maintenance 审中-公开
标题翻译：监管规则库系统和方法生成与维护
公开(公告)号：US20090177664A9
公开(公告)日：2009-07-09
申请号：US10710866
申请日：2004-08-09
申请人： Lynette Hotchkiss , Timothy Green , Angela Cheek
发明人： Lynette Hotchkiss , Timothy Green , Angela Cheek
IPC分类号： G06F17/30
CPC分类号： G06Q99/00
摘要： A system and method for deriving compliance requirements from statutes, regulations, case law, official interpretations, attorney general opinions, determination and other interpretive letters, administrative agency regulations, and sources prescribing and interpreting compliance requirements for a jurisdiction, preparing compliance rules documentation that reflect these regulatory requirements, creating computer-encoded compliance rules from the compliance rules documentation, and storing these computer-encoded compliance rules in a compliance rules repository within a regulatory compliance computer system. The jurisdiction may be Federal, state or local authority. The regulatory compliance computer system makes use of the computer-encoded compliance rules by extracting compliance review data from a institution's data system and archiving the institution's data file in a compliance review file database, comparing the compliance review file against the applicable computer-encoded compliance rules in the rules repository, and preparing a regulatory compliance results file that captures noncompliant data in the institution's data system.
摘要翻译：根据法规，法规，判例法，官方解释，律政总署意见，决定和其他解释信，行政机关规定和规定和解释管辖区合规性要求的来源制定合规性要求的制度和方法，制定反映这些监管要求，从合规性规则文档中创建计算机编码的合规规则，并将这些计算机编码的合规性规则存储在合规性计算机系统中的合规规则存储库中。管辖权可能是联邦，州或地方当局。监管合规性计算机系统通过从机构的数据系统中提取合规审查数据并在合规审查文件数据库中归档机构的数据文件来使用计算机编码的合规性规则，将合规性审查文件与适用的计算机编码合规规则进行比较在规则存储库中，并准备了一个监管合规结果文件，以捕获机构数据系统中不合规的数据。

3. 发明申请

US20060253474A1 System and method for compliance profile configuration and application 审中-公开
标题翻译：符合性配置文件配置和应用的系统和方法
公开(公告)号：US20060253474A1
公开(公告)日：2006-11-09
申请号：US11124785
申请日：2005-05-09
申请人： Lynette Hotchkiss , Angela Cheek , Carl Sternberg
发明人： Lynette Hotchkiss , Angela Cheek , Carl Sternberg
IPC分类号： G06F7/00
CPC分类号： G06Q40/02
摘要： A system and method for specifying elections in one or more designated lender compliance profiles that include statutory election, exportation election, most favored lender election, preemption election and non-electable regulatory requirements. A set of computer-encoded compliance rules applicable to a particular financial institution is derived from a lender compliance profile. This designated set of computer-encoded and computer-executed compliance rules derived from a compliance profile may be used to determine regulatory compliance assessment of lender compliance review computer data files. The requirements of the computer-encoded compliance rules are traceable to one or more state jurisdictions, including home state, property state, and target state. The computer-encoded compliance rules are derived from statutes, regulations, case law, official interpretations, attorney general opinions, determination and other interpretive letters, administrative agency regulations, and any other sources prescribing or interpreting compliance requirements for a jurisdiction.
摘要翻译：指定一个或多个指定贷款人遵守情况的选举的制度和方法，包括法定选举，出口选举，最有利的贷款人选举，抢占选举和非选举性监管要求。适用于特定金融机构的一套计算机编码的合规规则是从贷方合规资料中得出的。这种指定的一套计算机编码和计算机执行的符合性规则从合规性简档中导出可用于确定贷款人合规审查计算机数据文件的合规性评估。计算机编码的合规性规则的要求可追溯到一个或多个州辖区，包括家庭状态，属性状态和目标状态。计算机编码的合规性规则来源于法规，法规，判例法，官方解释，律师一般意见，决定和其他解释信，行政机构规定以及规定或解释管辖区合规性要求的任何其他来源。

4. 发明申请

US20060101027A1 System and Method for Regulatory Rules Repository Generation and Maintenance 审中-公开
公开(公告)号：US20060101027A1
公开(公告)日：2006-05-11
申请号：US10710866
申请日：2004-08-09
申请人： Lynette Hotchkiss
发明人： Lynette Hotchkiss
IPC分类号： G06F17/30
CPC分类号： G06Q99/00
摘要： A system and method for deriving compliance requirements from statutes, regulations, case law, official interpretations, attorney general opinions, determination and other interpretive letters, administrative agency regulations, and sources prescribing and interpreting compliance requirements for a jurisdiction, preparing compliance rules documentation that reflect these regulatory requirements, creating computer-encoded compliance rules from the compliance rules documentation, and storing these computer-encoded compliance rules in a compliance rules repository within a regulatory compliance computer system. The jurisdiction may be Federal, state or local authority. The regulatory compliance computer system makes use of the computer-encoded compliance rules by extracting compliance review data from a institution's data system and archiving the institution's data file in a compliance review file database, comparing the compliance review file against the applicable computer-encoded compliance rules in the rules repository, and preparing a regulatory compliance results file that captures noncompliant data in the institution's data system.

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