Patent ID: 11954746
Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 19:
20. A method comprising:
receiving, from remote computing devices of a plurality of external data sources, source data for a plurality of properties;
for each respective property of the plurality of properties,
extracting from the source data, by processing circuitry of one or more computing systems, a respective plurality of data attributes for the respective property, wherein
the respective plurality of data attributes comprises
for each respective property unit of at least a portion of a plurality of property units of the respective property, each respective property unit capable of individual lease or purchase,
a corresponding set of one or more unit-level data attributes, each comprising at least one of address data, loan data, price data, or appraisal data, and
a set of one or more project-level data attributes, each comprising at least one of name data, address data, commercial space data, or construction data;

generating, by the processing circuitry from the respective plurality of data attributes for the respective property, a respective property data structure stored to a non-volatile storage region, wherein generating the respective property data structure comprises
assigning and storing each respective data attribute of the respective plurality of data attributes to a respective data level of a plurality of data levels in the respective property data structure, based on a correspondence between the respective data attribute and the respective data level, wherein assigning and storing comprises
for each given property unit of the at least a portion of a plurality of property units of the respective property,
 for each given unit-level data attribute of the corresponding set of one or more unit-level data attributes for the given property unit, assigning and storing, to a corresponding unit data level of the plurality of data levels, unit-level data of the given unit-level data attribute
 for each given project-level data attribute of the set of one or more project-level data attributes of the respective property, assigning and storing, to a project data level of the plurality of data levels, project-level data of the given project-level data attribute, and

for each respective data level in the respective property data structure, logically linking that respective data level via a corresponding unique linkage key of a respective plurality of unique linkage keys to one or more corresponding data levels in the respective property data structure and designated as adjacent to the respective data level, each unique linkage key comprising at least a portion of a data attribute of the respective data level, such that, for each respective pair of logically linked adjacent data levels in the respective property data structure, both data levels of the respective pair of logically linked adjacent data levels are assigned a data attribute comprising the portion of the data attribute of the unique linkage key linking the respective pair of logically linked adjacent data levels, thereby defining a relationship between the data levels of the respective pair of logically linked adjacent data levels, wherein, in the respective property data structure,
the plurality of property units represented at the unit data level are all part of a project represented at the project data level, such that each of the unit data levels is logically linked either directly or indirectly to the project data level, and
 at least a portion of the respective plurality of unique linkage keys each comprise at least a portion of an address;
computing, by the processing circuitry from the logically linked plurality of data attributes in the respective entity data structure, risk-based metrics for the respective property, wherein
 each risk-based metric of the computed risk-based metrics is associated with one or more selected data levels of the plurality of data levels in the respective entity data structure, and
 computing each risk-based metric comprises accessing the data stored at each data level of the one or more selected data levels using a set of corresponding data attributes relevant to that respective risk-based metric, each data attribute of the set of corresponding data attributes corresponding to a respective linkage key of a set of unique linkage keys of the respective plurality of unique linkage keys;

determining, by the processing circuitry in real-time based on the computed risk-based metrics, an assessed amount of risk for the respective property; and

presenting, by the processing circuitry responsive to receiving a risk assessment request for at least one of the plurality of properties from a remote computing device, the assessed amount of risk for a requested property.