SYSTEM AND METHOD FOR DEFINING ATTRIBUTES, DECISION RULES, OR BOTH, FOR REMOTE EXECUTION, CLAIM SET III

• US 20060293932A1
• Filed: 04/07/2006
• Published: 12/28/2006
• Est. Priority Date: 05/24/2005
• Status: Active Grant

• Current Assignee: CRIF Corp. (CRIBIS Holding SRL)
• Original Assignee: Magnum Communications Limited
• Inventors: Ryan, Edith D., Cash, Joseph Larry, Bridenbaugh, Ray F. Jr.
• Granted Patent: US 8,019,828 B2
• Time in Patent Office: Days
• US Class Current: 705/30
• CPC Class Codes: G06F 16/2465 Query processing support for facilitating data mining operations in structured databases
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: Y10S 707/944 Business related

Abstract

A system of the invention comprises a design module, execution engine, and performance management module. A first computer hosts the design module which enables a user to define attributes, queries, and decision rules transmitted to the execution engine hosted on a second computer remote to the first computer. The second computer can be located at a credit bureau, credit reporting agency, or other data provider. The second computer runs the execution engine to query a data repository with the user-defined attributes and queries, and applies the user-defined decision rules to produce result data transmitted to a third computer hosting the performance management module for monitoring performance of a benefit or offering made with the result data and the corresponding attributes, queries, and decision rules that generated the result data.

Claims

1. A method comprising the steps of:

interfacing, in a machine-to-machine manner, a client computer system used to define a business object and a related set of attributes, to a data provider'"'"'s internal system;

communicating the business object and the related set of attributes from the client computer system to the data provider'"'"'s internal system;

running an execution engine on the data provider'"'"'s internal system to translate the business object, set of attributes, or both, into a format usable by the data provider'"'"'s internal system, and to generate the result data based on the business object, the set of attributes, or both; and

providing the result data to the client computer system.

2. The method according to claim 1 further comprising the step of:

managing one or more business objects and related sets of attributes using corresponding identifiers to track related business objects and sets of attributes, and the result data produced by the business objects and sets of attributes.

3. A method comprising the steps of:

tracking performance of a result set generated by a business object or set of one or more attributes related to the business object for future modification to improve definition of the set of attributes for repeat use.

4. A system comprising:

a first computer configured to run a design module permitting a user to define a set of one or more attributes for queries, and one or more decision rules to be applied to the data resulting from the queries, the first computer configured to transmit the set of attributes and decision rules; and

a second computer located at a data provider remote from the first computer, the second computer configured to run an execution engine that receives the set of attributes and decision rules transmitted by the first computer, the execution engine generating the queries with attributes in a language and format usable by the second computer to query and retrieve data from a repository of the data provider, the execution engine receiving data from the repository in response to the queries and applying the decision rules to generate result data, the second computer configured to transmit the result data to the user'"'"'s site.

5. A system as claimed in claim 5 wherein the first computer is configured to transmit the set of attributes and decision rules to the second computer via a communication network.

7. A system as claimed in claim 5 further comprising:

a third computer located remotely from the second computer at a client site, the third computer configured to receive the result data and storing the same in association with data identifying the set of attributes and decision rules that generated the result data.

17. A system as claimed in claim 5 wherein the first computer is configured to transmit the set of attributes and decision rules on a single transaction basis in response to an inquiry from an entity other than the client and data provider.

18. A system as claimed in claim 5 wherein the first computer is configured to transmit the set of attributes and queries and set of decision rules to the second computer to carry out a batch of transactions to produce the result data.

6. A system as claimed in claim 6 wherein the communication network is the Internet.

8. A system as claimed in claim 8 wherein the third computer is configured to receive the result data from the second computer via a communication network.

9. A system as claimed in claim 8 wherein the communication network is the Internet.

10. A system as claimed in claim 8 wherein the set of attributes and decision rules are used by the client to obtain a list of contact information for consumers from the data provider for the client to send solicitations including applications for a benefit or offering of the client to the consumers in a marketing campaign, and wherein the third computer is configured to receive from a user at the client site performance data indicating one or more of the number of applications returned, the applications accepted by the client for the benefit or offering, the performance of the consumers under the benefit or offering, and the profitability of the benefit or offering, and wherein the third computer is operable by a user to generate a display indicating the performance of the marketing campaign based on the performance data and the set of attributes and decision rules used in the marketing campaign.

11. A system as claimed in claim 11 wherein the benefit or offering is use of a credit card.

12. A system as claimed in claim 11 wherein the benefit or offering is a loan for purchase of real estate, a vehicle, aircraft, watercraft, an electronic consumer device, or a consumer appliance.

13. A system as claimed in claim 11 wherein the result data generated by the third computer includes a recommendation or decision as to consumers to which applications are to be sent by the client for the marketing campaign.

14. A system as claimed in claim 11 wherein the first computer is configured to assign a unique identifier to the set of attributes and decision rules, and the first computer is configured to transmit the unique identifier along with the set of attributes and decision rules to the second computer, and the second computer is configured to assign the unique identifier to the result data produced from the set of attributes and decision rules, the third computer further configured to assign the unique identifier to the data indicating one or more of the number of applications returned, the applications accepted by the client for the benefit or offering, the performance of the consumers under the benefit or offering, and the profitability of the benefit or offering, so that performance of the campaign can be tracked in relation to the attributes and decision rules used to generate the consumers to which the client extends the benefit or offer.

15. A system as claimed in claim 11 wherein the first computer is configured to permit a user to modify the set of attributes and decision rules, and to store the modified set of attributes and queries, the modified set of decision rules, or both, under an additional unique identifier transmitted by the first computer to the second computer to identify result data produced by the modified set of attributes and decision rules, and transmitted by the second computer to the third computer for use in monitoring performance of a marketing campaign using the modified set of attributes and decision rules.

16. The method according to claim 11 wherein the result data does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations.