System and method for defining attributes, decision rules, or both, for remote execution, claim set IV

• US 7,860,782 B2
• Filed: 04/07/2006
• Issued: 12/28/2010
• Est. Priority Date: 05/24/2005
• Status: Active Grant

• Current Assignee: CRIBIS Corporation
• Original Assignee: Magnum Communications Limited
• Inventors: Bridenbaugh, Ray F Jr., Cash, Joseph Larry, Ryan, Edith D
• Primary Examiner(s): Colbert; Ella
• Assistant Examiner(s): Shaikh; Mohammad Z
• Application Number:
  US11/279,071
• Publication Number:
  US 20070030282A1
• Time in Patent Office: 1,726 Days
• Field of Search: 705 35- 42
• US Class Current: 705/38
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0242 Determining effectiveness of advertisements
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

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 system comprising:

a first computer located at a client site, the first computer comprising one or more memory storage areas and one or more processors, the one or more processors configured to;

run a design module permitting a user to define a set of one or more attributes and one or more decision rules, wherein the set of one or more attributes and one or more decision rules are to be applied to a data provider'"'"'s data comprising a plurality of data records corresponding respectively to a plurality of consumer data profiles; and

transmit the set of one or more attributes and one or more decision rules to a second computer located at the data provider'"'"'s site; and

the second computer comprising one or more memory storage areas and one or more processors, the one or more processors configured to;

receive the set of one or more attributes and one or more decision rules;

run an execution engine applying the set of one or more attributes and one or more decision rules to a portion of the data provider'"'"'s data;

identify a plurality of data records corresponding respectively to a plurality of consumer data profiles from the data provider'"'"'s data satisfying the set of one or more attributes and one or more decision rules;

generate result data based on the plurality of data records from the data provider'"'"'s data satisfying the set of one or more attributes and one or more decision rules, wherein the result data (a) comprises at least a portion of each data record of the plurality of data records from the data provider'"'"'s data satisfying the set of one or more attributes and one or more decision rules, and (b) does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations; and

transmit the result data to the first computer.

2. A system as claimed in claim 1, wherein the one or more processors of the first computer are further configured to:

receive the result data from the second computer.

3. A system as claimed in claim 1, wherein the one or more processors of the first computer are further configured to transmit the set of one or more attributes and one or more decision rules on a single transaction basis in response to an inquiry.

4. A system as claimed in claim 1, wherein the execution engine carries out a batch of transactions to produce the result data.

5. A system as claimed in claim 1, wherein the one or more processors of the first computer are further configured to:

receive the result data from the second computer, wherein the set of one or more attributes and one or more decision rules is used by an entity to obtain contact information of consumers from the data provider to send a solicitation that includes an application for a benefit or offering of a marketing campaign associated with an entity;

receive performance data, wherein the performance data indicates;

a number of applications returned by consumers,

a number of applications accepted by the entity for the benefit or offering,

a payment performance of the consumers under the benefit or offering, and

a profitability of the benefit or offering, and

cause to display information indicating the performance of the marketing campaign based on the performance data.

6. A system as claimed in claim 5, wherein the one or more processors of the first computer are further configured to receive the result data automatically from the second computer.

7. A system as claimed in claim 5, wherein the benefit or offering is for use of a credit card.

8. A system as claimed in claim 5, wherein the benefit or offering is for a loan for the purchase of at least one of real estate, a vehicle, an aircraft, a watercraft, an electronic consumer device, or a consumer appliance.

9. A system as claimed in claim 5, wherein the result data includes a recommendation or a decision as to consumers to whom applications are to be sent by the entity for the marketing campaign.

10. A system as claimed in claim 5, wherein:

the one or more processors of the second computer are further configured to;

associate a unique identifier with the result data and the set of one or more attributes and one or more decision rules that generated the result data, and the one or more processors of the first computer are further configured to;

assign the unique identifier to the performance data indicating the number of applications returned, the number of applications accepted by the entity for the benefit or offering, the payment performance of the consumers under the benefit or offering, and the profitability of the benefit or offering, so that performance of the marketing campaign can be tracked in relation to the attributes and decision rules used to generate the consumers to whom the entity extends the benefit or offer.