Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data

• US 7,747,559 B2
• Filed: 06/14/2004
• Issued: 06/29/2010
• Est. Priority Date: 06/13/2003
• Status: Active Grant

• Current Assignee: Equifax, Inc.
• Original Assignee: Equifax, Inc.
• Inventors: Manthey, Keith W., Nailor, Mark, Dickson, John M., Kennedy, Reuben S., Franklin, Kevin M., Ferber, David A., Leitner, Stephen, Hughes, Fred
• Primary Examiner(s): Colbert; Ella
• Application Number:
  US10/868,476
• Publication Number:
  US 20050086579A1
• Time in Patent Office: 2,206 Days
• Field of Search: 707 1- 9, 707/10, 707/100, 707/102, 707/104.1, 705 35- 39, 705/1, 715/733, 715/744, 715/762, 715/764, 715/765
• US Class Current: 707/770
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: Y10S 707/95 Financial

Abstract

The present invention relates to methods and systems for automated criteria and attribute generation, searching, auditing and reporting of data. One aspect of an embodiment of the invention includes a method for translating a request for filtering data in a plurality of credit data sources. The method includes receiving a request based on at least one attribute and on at least one modeling criteria, wherein the at least one attribute and the at least one modeling criteria are each associated with a portion of data in a plurality of credit data sources, automatically generating executable computer code associated with the at least one attribute and at least one modeling criteria, wherein the executable computer code is adapted to filter the portion of data in the plurality of credit data sources based at least in part on the at least one attribute and at least one modeling criteria, and storing at least a portion of the executable computer code for use with another request based in part on the at least one attribute and based in part on the at least one modeling criteria.

Claims

1. A computer-implemented method for providing data from a plurality of credit data sources, comprising:

providing a user interface comprising a menu representing a plurality of attribute types, each of the plurality of attribute types being selectable by a user;

configuring the user interface to display;

a name representing an attribute of at least one of the plurality of attribute types selected by the user;

a description of the attribute of the at least one of the plurality of attribute types selected by the user; and

a representation of a segment of at least one of the plurality of credit data sources, the segment being associated with the attribute of the at least one of the plurality of attribute types selected by the user;

receiving a first request at a processor-based device, the first request comprising a plurality of elements representing the at least one of the plurality of attribute types selected by the user, the segment, and a logical expression using the attribute of the at least one of the plurality of attribute types selected by the user;

automatically generating executable computer code at the processor-based device by;

translating the plurality of elements into a plurality of descriptor records, each of the plurality of descriptor records being associated with at least one of the plurality of elements;

generating a source file from the plurality of descriptor records;

compiling the source file to produce executable computer code; and

linking the executable computer code to a runtime environment component, the runtime environment component being associated with at least one of an operating platform or a processing type;

processing the executable computer code to receive result data by;

using the runtime environment component to execute the executable computer code on the plurality of credit data sources;

receiving data from the plurality of credit data sources; and

filtering the data from the plurality of credit data sources using the executable computer code to identify result data;

outputting at least a portion of the result data to the user interface;

storing the executable computer code, the runtime environment component associated with at least one of the operating platform or the processing type linked to the executable computer code, and the result data on a computer-readable memory;

receiving a second request comprising the plurality of elements at the processor-based device;

determining that the plurality of elements of the second request is the same as the plurality of elements of the first request; and

outputting at least a portion of the result data associated with the first request to the user interface in response to the second request.

2. The computer-implemented method of claim 1, further comprising:

generating test executable computer code based on the plurality of elements;

selecting a set of test data from at least one of the plurality of credit data sources;

filtering the set of test data with the test executable computer code to obtain a set of test result data; and

determining whether the test result data is valid.

3. The computer-implemented method of claim 2, wherein determining whether the test result data is valid comprises determining a test model score for the test result data, wherein the test model score is based on a correlation of the plurality of elements with the test result data.

4. The computer-implemented method of claim 2, further comprising:

if the test result data is not valid, determining a modification to the first request; and

modifying the test executable computer code based at least on the modification to the first request.

5. The computer-implemented method of claim 4, further comprising:

modifying the executable computer code based at least on the modification to the first request; and

filtering the portion of data in the plurality of credit data sources with the modified executable computer code to obtain result data from at least one of the plurality of credit data sources in response to the modification to the first request.

6. The computer-implemented method of claim 1, further comprising:

processing the executable computer code with a data processing platform via at least one runtime component to filter the portion of data in the plurality of credit data sources.

7. The computer-implemented method of claim 1, wherein the plurality of attribute types comprise:

an aggregate attribute type;

a preprocessor attribute type;

a collector attribute type;

a value attribute type; and

an exclusion attribute type.

8. A computer-readable memory on which program code is stored, the program code being executable by a processor, the program code comprising:

program code for providing a user interface comprising a menu representing a plurality of attribute types, each of the plurality of attribute types being selectable by a user;

program code for configuring the user interface to display;

a name representing an attribute of at least one of the plurality of attribute types selected by the user;

a description of the attribute of the at least one of the plurality of attribute types selected by the user; and

a representation of a segment of at least one of a plurality of credit data sources, the segment being associated with the attribute of the at least one of the plurality of attribute types selected by the user;

program code for displaying a request on the user interface, the request comprising a plurality of elements representing the attribute of the at least one of the plurality of attribute types selected by the user, the segment, and a logical expression using the attribute of the at least one of the plurality of attribute types selected by the user, the logical expression being received from the user through the user interface;

program code for generating executable computer code by;

compiling the plurality of elements to produce the executable computer code; and

linking the executable computer code to a runtime environment component, the runtime environment component being associated with at least one of an operating platform or a processing type;

program code for processing the executable computer code to receive result data by;

using the runtime environment component to execute the executable computer code on the plurality of credit data sources;

receiving data from the plurality of credit data sources; and

filtering the data from the plurality of credit data sources using the executable computer code to identify result data;

program code for outputting at least a portion of the result data to the user interface;

program code for storing the executable computer code, the runtime environment component associated with at least one of the operating platform or the processing type linked to the executable code, and the result data;

program code for receiving a second request comprising the plurality of elements;

program code for determining that the plurality of elements of the second request is the same as the plurality of elements of the first request; and

program code for outputting at least a portion of the result data associated with the first request to the user interface in response to the second request.

9. The computer-readable memory of claim 8, wherein the program code further comprises:

program code for generating test executable computer code based on the plurality of elements;

program code for selecting a set of test data from at least one of the plurality of credit data sources;

program code for filtering the set of test data with the test executable computer code to obtain a set of test result data; and

program code for determining whether the test result data is valid by determining a test model score for the test result data, wherein the test model score is based on a correlation of the plurality of elements with the test result data.

10. The computer-readable memory of claim 9, wherein the program code further comprises:

program code for determining a modification to the request and for modifying the test executable computer code based on the modification to the request if the test result data is not valid.

11. The computer-readable memory of claim 10, wherein the program code further comprises:

program code for modifying the executable computer code based on the modification to the request; and

program code for filtering the portion of the data in the plurality of credit data sources with the modified executable computer code to obtain result data from at least one of the plurality of credit data sources in response to the modification to the request.

12. A system comprising:

a processor for executing instructions stored on a computer-readable memory to;

provide a user interface comprising a menu representing a plurality of attribute types, each of the plurality of attribute types being selectable by a user;

configure the user interface to display;

a name representing an attribute of at least one of the plurality of attribute types selected by the user;

a description of the attribute of the at least one of the plurality of attribute types selected by the user; and

a representation of a segment of at least one of a plurality of credit data sources, the segment being associated with the attribute of the at least one of the plurality of attribute types selected by the user;

receive a first request through the user interface, the first request comprising a plurality of elements representing the attribute of the at least one of the plurality of attribute types selected by the user, the segment, and a logical expression using the attribute of the at least one of the plurality of attribute types selected by the user;

automatically generate executable computer code and a runtime environment component associated with the executable computer code, the runtime environment component being associated with at least one of an operating platform or a processing type, wherein the processor is configured to execute instructions stored on a computer-readable memory to automatically generate executable computer code and the runtime environment component associated with the executable computer code by;

translating the plurality of elements into a plurality of descriptor records, each of the plurality of descriptor records being associated with one of the plurality of elements;

generating a source file from the plurality of descriptor records;

compiling the source file to produce executable computer code; and

linking the executable computer code to the runtime environment component;

process the executable computer code to receive result data by;

using the runtime environment component associated to execute the executable computer code on the plurality of credit data sources;

receiving data from the plurality of credit data sources; and

filtering the data from the plurality of credit data sources using the executable computer code to identify result data;

output at least a portion of the result data to the user interface;

store the executable computer code, the runtime environment component associated with at least one of the operating platform or the processing type, and the result data on the computer-readable memory;

receive a second request comprising the plurality of elements;

determine that the plurality of elements of the second request is the same as the plurality of elements of the first request; and

output at least a portion of the result data associated with the first request to the user interface in response to the second request.

13. The system of claim 12, wherein the plurality of attribute types comprise:

an aggregate attribute type;

a preprocessor attribute type;

a collector attribute type;

a value attribute type; and

an exclusion attribute type.

14. The system of claim 12, wherein the processor is capable of executing instructions stored on the computer-readable memory to:

generate test executable computer code based on the plurality of elements;

select a set of test data from at least one of the plurality of credit data sources;

filter the set of test data with the test executable computer code to obtain a set of test result data; and

determine whether the test result data is valid.

15. The system of claim 14, wherein the processor is capable of executing instructions stored on the compute-readable memory to determine whether the test result data is valid by determining a test model score for the test result data, wherein the test model score is based on a correlation of the plurality of elements with the test result data.

16. The system of claim 14, wherein the processor is capable of executing instructions stored on the compute-readable memory to:

if the test result data is not valid, determine a modification to the first request; and

modify the test executable computer code based at least on the modification to the first request.

17. The system of claim 16, wherein the processor is capable of executing instructions stored on the compute-readable memory to:

modify the executable computer code based at least on the modification to the first request; and

filter the portion of data in the plurality of credit data sources with the modified executable computer code to obtain result data from at least one of the plurality of credit data sources in response to the modification to the first request.

18. The system of claim 12, wherein the processor is capable of executing instructions stored on the compute-readable memory to:

process the executable computer code with a data processing platform via at least one runtime component to filter the portion of data in the plurality of credit data sources.