FinLocker Secures Third Patent For Digital Vault

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Multiple patents are now approved that protect the sophisticated and innovative FinLocker financial data platform

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Securing approval of our third patent further validates the uniqueness of the FinLocker lending solution.

FinLocker (, a financial data and analytics company, is pleased to announce the approval of a third patent, further innovating their proprietary analytics engine and digital vault functionality. This most recent patent adds to the FinLocker’s patent strategy, locking in their distinct capabilities and substantiating the uniqueness of the technology. The FinLocker platform generates high-quality leads, and dramatically reduces lender costs, data errors and processing timelines.

The FinLocker patent framework protects advanced analytics and digital vault technology that now includes three patents. The first patent covers innovative control of consumer financial information and data access in a digital workflow-enabled system. The second patent, issued earlier this year, covers multi-source information management of data and documentation, with capabilities to retrieve, store, update and analyze data housed in digital vaults, inclusive of access rules and transparent consumer controls. This third patent protects the complex methods developed to enable complete interactive control over workflows, hierarchy, access, and rules-based analytics of sensitive financial information. This patent adds to the analytics foundation with machine learning, natural language processing, and heuristic analysis. FinLocker advancements in secure financial data management and analytics enable lenders to create a true “customer for life/lender for life” relationship.

“Securing approval of our third patent further validates the uniqueness of the FinLocker lending solution,” says Peter Esparrago, Co-founder & CEO of FinLocker. “In today’s market, comprised of numerous competing technologies, our sophisticated platform offers both the lender and consumer secure access to market leading financial data and analytics,” added Esparrago. The FinLocker solution supports transparent, “digital vault” access to analyzed loan data throughout the loan lifecycle

About FinLocker
FinLocker is a secure financial data and analytics platform that eases the pains of the mortgage process for both lenders and consumers. It significantly reduces costs, while also generating highly qualified leads for the lenders. FinLocker enables access to consumer financial data electronically and applies analytics to verify and analyze employment, income, assets, credit, taxes and other information. FinLocker provides the consumer a re-usable financial locker to manage their financial life, and can be utilized for mortgages, auto loans, student loans, small business loans, and other consumer transactions. The company is headquartered in St. Louis, Missouri. For more information, visit

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Mike Atwell
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