METHOD AND APPARATUS FOR OBTAINING, ORGANIZING, AND ANALYZING MULTI-SOURCE DATA
First Claim
1. A list of entries representing individuals, each of said entries having at least one customer attribute, at least one consumer attribute and at least one value added attribute associated therewith, and a value for each of said at least one customer attribute, said at least one consumer attribute, and said at least one value added attribute said value for each attribute being related to each of said entries.
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Accused Products
Abstract
The tool of the invention is a data gathering and analytical process that uses internal customer data and external CRA data to build a consumer credit market data base and data structure. The internal customer data is classified according to identified Customer Attributes, the CRA data is also classified according to identified Consumer Attributes and the combined data is further classified according to additional Value Added Attributes. The resulting data structure is organized at the individual level such that each individual has associated therewith values for each of the Customer Attributes, Consumer Attributes and Value Added Attributes. The resulting analysis can be used to set institutional strategies and/or to make predictive decisions on individual borrower credit requests.
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Citations
33 Claims
- 1. A list of entries representing individuals, each of said entries having at least one customer attribute, at least one consumer attribute and at least one value added attribute associated therewith, and a value for each of said at least one customer attribute, said at least one consumer attribute, and said at least one value added attribute said value for each attribute being related to each of said entries.
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11. A computer readable medium encoded with a data structure comprising:
- a list of entries representing distinct entities, each of said entries having a first set of attributes related to said entity, said first set of attributes being populated with data from a first source;
a second set of attributes related to said entity, said second set of attributes being populated with data from a second source independent from the first source; and
a third set of attributes related to the first and second set of attributes. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
- a list of entries representing distinct entities, each of said entries having a first set of attributes related to said entity, said first set of attributes being populated with data from a first source;
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20. A method for creating a computer readable medium encoded with a data structure comprising:
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creating a user file comprising at least two distinct entities;
defining a first set of attributes;
populating said first set of attributes with data from a first source, said data from a first source being related to each of said entities;
defining a second set of attributes;
populating said second set of attributes with data from a second source independent from the first source, said data from a second source being related to each of said entities;
defining a third set of attributes; and
populating said third set of attributes with further data.
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21. A method for creating a computer readable medium encoded with a data structure comprising:
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defining a first population of entries;
defining a first set of attributes related to said first population of entries;
populating said first set of attributes with data from a first source to create a first data file;
defining a second population of entries;
defining a second set of attributes related to said second population of entries;
populating said second set of attributes with data from a second source to create a second data file;
merging the first data file and the second data file to create a third data file including the first population of entries and the second population of entries and said data from the first source and said data from the second source;
defining a third set of attributes related to said first and second population of entries; and
populating said third set of attributes with data. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29)
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30. A method for analyzing data comprising:
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for a first time period;
defining a first population of entries;
defining a first set of attributes related to said first population of entries;
populating said first set of attributes with data from a first source to create a first data file;
defining a second population of entries;
defining a second set of attributes related to said second population of entries;
populating said second set of attributes with data from a second source to create a second data file;
merging the first data file and the second data file to create a third data file including the first population of entries and the second population of entries and said data from the first source and said data from the second source;
defining a third set of attributes related to said first and second population of entries in said third data file; and
populating said third set of attributes with data;
for a second time period;
defining a third population of entries;
defining a fourth set of attributes related to said third population of entries;
populating said fourth set of attributes with data from the first source to create a fourth data file;
defining a fourth population of entries;
defining a fifth set of attributes related to said fourth population of entries;
populating said fifth set of attributes with data from a second source to create a fifth data file;
merging the fourth data file and the fifth data file to create a sixth data file including the third population of entries and the fourth population of entries and said data from the first source and said data from the second source;
defining a sixth set of attributes related to said third and fourth population of entries in said sixth data file; and
populating said third set of attributes with data; and
comparing the attributes in the third data file with the attributes in the sixth data file.
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31. A method for analyzing data comprising:
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defining a first population of entries;
defining a first set of attributes related to said first population of entries;
populating said first set of attributes with data from a first source to create a first data file;
defining a second population of entries;
defining a second set of attributes related to said second population of entries;
populating said second set of attributes with data from a second source to create a second data file;
merging the first data file and the second data file to create a third data file including the first population of entries and the second population of entries and said data from the first source and said data from the second source;
defining a third set of attributes related to said first and second population of entries; and
populating said third set of attributes with data; and
scaling the data to account for duplicative data. - View Dependent Claims (32, 33)
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Specification