System and method for monitoring events associated with a person or property

Abstract

A system and method for retrieving a transaction associated with a property including obtaining property information pertaining to a property from a third party source, storing the property information in a database, receiving a name to monitor or an address of a property to monitor, and transmitting a property information request including the name and/or address to the database. The system and method may also include searching the property information for a match with the name or address, identifying a transaction associated with the matched name or address and transmitting the transaction to a device.

1 . A non-transitory computer storage medium having instructions that when executed by a computer perform a method of monitoring transactions associated with a person's real property, comprising the steps of:
 storing information in a database pertaining to a public record transaction affecting the real property,   receiving from a subscriber and storing in the database subscriber information, said subscriber information including a property address of the real property to monitor;   iteratively monitoring the database by a processor-implemented search process for an occurrence of the property address stored in the database to find a first match; and   identifying via a processor an indication of the public record transaction stored in the database associated with the property address and the first match.   
     
     
         2 . The computer storage medium of  claim 1 , further comprising:
 sending a request for information about a name of the real property owner to the database.   
     
     
         3 . The computer storage medium of  claim 1 , further comprising:
 comparing the indication of the public record transaction to a list of transactions to find a second match, the list of transactions include a plurality of public record transaction types and a degree of seriousness rating corresponding to each of the plurality of public record transactions; and   retrieving a degree of seriousness rating corresponding to the second match in the list of transactions, wherein the degree of seriousness rating being selected from a group having least three gradations of seriousness.   
     
     
         4 . The computer storage medium of  claim 1 , wherein the public record transaction is a tax lien. 
     
     
         5 . The computer storage medium of  claim 1 , wherein the public record transaction is a lien against the real property, and the lien having a property address associated with the real property. 
     
     
         6 . The computer storage medium of  claim 1 , further comprising:
 comparing the indication of the public record transaction with a list of transactions to find a second match, the list of transactions including a plurality of public record transaction types and a remedy associated with each of the plurality of public record transaction types; and   retrieving the remedy corresponding to the second match in the list of transactions, wherein the remedy is selected from a group of remedies including   an adding of a subsequent transaction remedy associated with a first transaction type,   a correction of the transaction remedy associated with a second transaction type, and   a removal of the transaction remedy associated with a third transaction type, wherein the plurality of public record transaction types include   the first transaction type   the second transaction type, and   the third transaction type.   
     
     
         7 . The computer storage medium of  claim 3 , further comprising assigning a default degree of seriousness rating to the public record transaction after the second match for the public record transaction is not found in the list of transactions. 
     
     
         8 . A non-transitory computer storage medium having instructions that when executed by a computer perform a method of retrieving an information regarding a tax lien associated with a property, comprising the steps of:
 obtaining property information pertaining to a property from a third party source;   storing the property information in a database;   receiving an address of the property to monitor;   transmitting a property information request including the address to the database;   iteratively searching with a processor the property information for a first match with the address;   retrieving information regarding a tax lien associated with the first match;   comparing the tax lien with a list of tax liens for a second match;   retrieving a degree of seriousness rating corresponding to the second match in the list of tax liens; and   transmitting the tax lien to a device to notify a property owner of the tax lien related to their property,   wherein the degree of seriousness rating being selected from a group having at least three gradations of seriousness.   
     
     
         9 . The computer storage medium of  claim 8 , further comprising the step of comparing the tax lien to a list of tax liens for a second match and retrieving a remedy corresponding to the second match in the list of tax liens. 
     
     
         10 . The computer storage medium of  claim 8 , further comprising the step of assigning a default degree of seriousness rating to the transaction after the second match cannot be found in the list of tax liens. 
     
     
         11 . A non-transitory computer storage medium having instructions that when executed by a computer perform a method of monitoring an absence of a tax lien associated with a person's real property comprising the steps of:
 storing information pertaining to the real property in a database;   receiving a request from a subscriber to monitor for the tax lien, the request including a property address associated with the public record transaction, the request including a datum transaction associated with the tax lien;   iteratively monitoring the database with a processor for the tax lien; and   transmitting a notification to a device if the tax lien has not occurred within a predetermined time period relative to the datum transaction.   
     
     
         12 . A computer-based method of monitoring a database for an occurrence of a lien event, comprising:
 extracting loan data from a client loan portfolio;   defining the lien event relatable to the loan data by one or more lien-related criterion;   iteratively monitoring with a processor for an occurrence of the lien event; and   notifying a client of the occurrence of the lien event.   
     
     
         13 . The method of  claim 12 , wherein the loan data comprises borrower identification data, property data, or combinations thereof. 
     
     
         14 . The method of  claim 12 , wherein the lien event being a tax lien. 
     
     
         15 . The method of  claim 14 , wherein the lien event database comprises a public record database, a credit reporting database, or combinations thereof, and wherein the lien event database is updated periodically to reflect changes pertinent to the loan data. 
     
     
         16 . The method of  claim 12 , wherein the notifying comprises:
 generating a report that records the occurrence of the lien event.   
     
     
         17 . A computer-based method of monitoring a database for an occurrence of a lien event relatable to a property, comprising:
 receiving, using a processor, loan data from a client loan portfolio and one or more lien-related criterion from a client;   automatically iteratively monitoring, using the processor, the database for lien events defined by the one or more lien-relatable criterion;   generating, using the process, a lien event report based on the automatically monitoring; and   storing, using a memory, the lien event report.