System and method for providing an aggregation tool

• US 10,650,449 B2
• Filed: 08/20/2019
• Issued: 05/12/2020
• Est. Priority Date: 01/31/2007
• Status: Active Grant

• Current Assignee: Experian Information Solutions Incorporated (Experian plc)
• Original Assignee: Experian Information Solutions Incorporated (Experian plc)
• Inventors: Courbage, Magali, Rodenbusch, Richard, Morani, Jean-Dominique
• Primary Examiner(s): Nguyen, Tien C
• Application Number:
  US16/545,766
• Publication Number:
  US 20200043091A1
• Time in Patent Office: 266 Days
• Field of Search: 705 38, 705 40, 705 39, 705 45, 705 37, 705 36, 705305, 707748, 707737, 345581, 715208, 709217, 703 6
• CPC Class Codes: G06F 1/00 Details not covered by groups G06F3/00 - G06F13/00 and G06F21/00 architectures of general purpose stored program computers G06F15/76
• CPC Class Codes: G06F 11/07 Responding to the occurrence of a fault, e.g. fault tolerance
• CPC Class Codes: G06F 11/22 Detection or location of defective computer hardware by testing during standby operation or during idle time, e.g. start-up testing
• CPC Class Codes: G06F 16/90 Details of database functions independent of the retrieved data types
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.

Claims

1. A system for generating attributes, the system comprising:

one or more processors; and

non-transitory computer storage comprising code executable by the one or more processors, the executable code causing the one or more processors to;

receive, via a user interface, a user selection of at least one attribute that relates to a type of credit data;

identify a credit data attribute formula expression based on the received user selection;

extract a subset of first data from a first data source in accordance with a first filter and extract a subset of second data from a second data source in accordance with a second filter, wherein the first data source stores first data associated with the type of credit data in a first format and the second data source stores second data associated with the type of credit data in a second format different from the first format; and

generate a deployment package that applies the extracted subsets of data to the credit data attribute formula expression to generate at least one attribute score for the at least one attribute, wherein the deployment package is deployed to a computer system, and wherein the computer system is configured to generate the at least one attribute score based on one or more computer instructions included within the deployment package.

2. The system of claim 1 wherein the executable code further causes the one or more processors to display, via the user interface, the subset of first data extracted in accordance with the first filter and the subset of second data extracted in accordance with the second filter.

3. The system of claim 1 wherein the executable code further causes the one or more processors to identify the first and second filters.

4. The system of claim 1 wherein the first filter is configured to map one or more data fields in the first data source to the type of credit data and the second filter is configured to map one or more data fields in the second data source to the type of credit data.

5. The system of claim 1 wherein the executable code further causes the one or more processors to identify the first and second data sources.

6. The system of claim 5 wherein the first data source comprises a first credit bureau data source and the second data source comprises a second credit bureau data source.

7. The system of claim 1 wherein the user interface comprises a validation user interface that is configured to display information in a format that allows identification of errors in one or more of the first filter, the second filter, or the credit data attribute formula expression.

8. The system of claim 1 wherein identifying the credit data attribute formula expression based on the received user selection includes identifying the credit data attribute formula expression based on the received user selection and at least one function or at least one operator.

9. A computer-implemented method for generating attributes, the computer-implemented method comprising:

receiving, via a user interface, a user selection of at least one attribute that relates to a type of credit data;

identifying a credit data attribute formula expression based on the received user selection;

extracting a subset of first data from a first data source in accordance with a first filter and extracting a subset of second data from a second data source in accordance with a second filter, wherein the first data source stores first data associated with the type of credit data in a first format and the second data source stores second data associated with the type of credit data in a second format different from the first format; and

generating a deployment package that applies the extracted subsets of data to the credit data attribute formula expression to generate at least one attribute score for the at least one attribute, wherein the deployment package is deployed to a computer system, and wherein the computer system is configured to generate the at least one attribute score based on one or more computer instructions included within the deployment package.

10. The computer-implemented method of claim 9 further comprising displaying, via the user interface, the subset of first data extracted in accordance with the first filter and the subset of second data extracted in accordance with the second filter.

11. The computer-implemented method of claim 9 further comprising mapping, with the first filter, one or more data fields in the first data source to the type of credit data.

12. The computer-implemented method of claim 9 further comprising mapping, with the second filter, one or more data fields in the second data source to the type of credit data.

13. The computer-implemented method of claim 9 further comprising displaying, via the user interface, one or more of the first filter, the second filter, or the credit data attribute formula expression in a format that allows identification of errors.

14. The computer-implemented method of claim 9 wherein identifying the credit data attribute formula expression based on the received user selection includes identifying the credit data attribute formula expression based on the received user selection and at least one function or at least one operator.

15. The computer-implemented method of claim 9 further comprising checking for syntax errors in one or more of the first filter and the second filter.

16. A non-transitory computer storage medium which stores a client application comprising executable code, the executable code causing a computing device to:

receive, via a user interface, a user selection of at least one attribute that relates to a type of credit data;

identify a credit data attribute formula expression based on the received user selection;

extract a subset of first data from a first data source in accordance with a first filter and extract a subset of second data from a second data source in accordance with a second filter, wherein the first data source stores first data associated with the type of credit data in a first format and the second data source stores second data associated with the type of credit data in a second format different from the first format; and

generate a deployment package that applies the extracted subsets of data to the credit data attribute formula expression to generate at least one attribute score for the at least one attribute, wherein the deployment package is deployed to a computer system, and wherein the computer system is configured to generate the at least one attribute score based on one or more computer instructions included within the deployment package.

17. The non-transitory computer storage medium of claim 16 wherein the executable code further causes the computing device to display, via the user interface, the subset of first data extracted in accordance with the first filter and the subset of second data extracted in accordance with the second filter.

18. The non-transitory computer storage medium of claim 16 wherein the executable code further causes the computing device to map, using the first filter, one or more data fields in the first data source to the type of credit data and map, using the second filter, one or more data fields in the second data source to the type of credit data.

19. The non-transitory computer storage medium of claim 16 wherein the executable code further causes the computing device to display, via the user interface, information in a format that allows identification of errors in one or more of the first filter, the second filter, or the credit data attribute formula expression.

20. The non-transitory computer storage medium of claim 16 wherein identifying the credit data attribute formula expression based on the received user selection includes identifying the credit data attribute formula expression based on the received user selection and at least one function or at least one operator.