Auditing of Electronic Documents

Abstract

Auditing of mortgage documents is faster and simpler. An electronic mortgage application often contains or references a collection of many separate electronic mortgage documents. Electronic data representing an original version of an electronic mortgage document and its current version may be hashed to generate digital signatures. Any auditor may then quickly compare the digital signatures. If the digital signatures match, then the audit reveals that the electronic mortgage document has not changed since its creation. However, if the digital signatures do not match, then the electronic mortgage document has changed since its creation. The auditor may thus flag the electronic mortgage document for additional auditing processes.

1 . A method of performing an electronic audit of an electronic document, comprising:
 receiving an audit file associated the electronic audit of the electronic document;   retrieving a cryptographic audit key from the audit file;   retrieving an interval of time from the audit file;   retrieving an electronic data representing the electronic document;   invoking a timer associated with the electronic audit, the timer incrementing from an initial time to a final time determined by the interval of time retrieved from the audit file;   as the timer increments from the initial time to the final time, performing the electronic audit associated with the electronic document;   determining an expiration of the interval of time; and   in response to the determining of the expiration of the interval of time, declining a usage of the audit file to complete the electronic audit of the electronic document.   
     
     
         2 . The method of  claim 1 , further comprising commencing the electronic audit as the timer increments. 
     
     
         3 . The method of  claim 1 , wherein the conducting the audit further comprises generating a hash value by hashing the electronic data representing the electronic document. 
     
     
         4 . The method of  claim 3 , further comprising comparing the cryptographic audit key retrieved from the audit file to the hash value. 
     
     
         5 . The method of  claim 4 , further comprising determining the cryptographic audit key retrieved from the audit file matches the hash value. 
     
     
         6 . The method of  claim 4 , further comprising determining the cryptographic audit key retrieved from the audit file fails to match the hash value. 
     
     
         7 . The method of  claim 1 , further comprising completing the electronic audit prior to the expiration of the interval of time. 
     
     
         8 . A memory device storing instructions that when executed facilitate performance of operations, the operations comprising, comprising:
 receiving an audit file for an audit associated with an electronic document;   retrieving a cryptographic audit key from the audit file;   retrieving an interval of time from the audit file;   retrieving an electronic data representing the electronic document;   invoking a timer associated with the audit, the timer incrementing from an initial time to a final time determined by the interval of time retrieved from the audit file;   as the timer increments to the final time, conducting the audit associated with the electronic document;   determining an expiration of the interval of time; and   in response to the determining of the expiration of the interval of time, declining a usage of the audit file to complete the audit associated with the electronic document.   
     
     
         9 . A server, comprising:
 a hardware processor; and   a memory device, the memory device storing instructions, the instructions when executed causing the hardware processor to perform operations, the operations comprising:   receiving an audit file for an audit associated with an electronic document;   retrieving a cryptographic audit key from the audit file;   retrieving an interval of time from the audit file;   retrieving an electronic data representing the electronic document;   invoking a timer associated with the audit, the timer incrementing from an initial time to a final time determined by the interval of time retrieved from the audit file;   as the timer increments to the final time, conducting the audit associated with the electronic document;   determining an expiration of the interval of time; and   in response to the expiration of the interval of time, declining a usage of the audit file to complete the audit associated with the electronic document.