Application processing and decision systems and processes
First Claim
1. A method for generating a rule for automated credit request decisioning, comprising:
- receiving information associated with an applicant through a user interface;
configuring, by a server device, the user interface to allow a user to define a plurality of decision rules in a near-natural language;
receiving the plurality of decision rules in the near-natural language, the plurality of decision rules being received from the user through the user interface;
determining information associated with the plurality of decision rules based on the plurality of decision rules in the near-natural language;
generating a decision flow in response to receiving an identification from the user through the user interface of a flow element, of a decision block, and of a flow path for connecting to at least one of the decision block or the flow element, the decision flow comprising the flow element, the decision block, and the flow path;
receiving data associated with the applicant from at least one data source;
determining, by the server device, a decision for the applicant based on the information associated with the applicant, the data associated with the applicant from at least one data source, the information associated with the plurality of decision rules determined based on the plurality of decision rules in the near-natural language, and the decision flow, wherein determining the decision for the applicant comprises applying in accordance with the decision flow an executable version of the information associated with the plurality of decision rules in the near-natural language to the data associated with the applicant from at least one data source; and
providing the decision to the user interface.
1 Assignment
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Accused Products
Abstract
The present invention relates to automated decisioning for a credit request associated with an applicant. Information associated with an applicant is received. Data associated with the applicant is received from at least one data source. A user interface is configured to allow a user to provide a definition of decision rules in a near-natural language. Information associated with the decision rules is determined based on the definition of the decision rules. A selection of rule flow information associated with the decision rules is received through the user computer interface. A decision is generated based on the information associated with the applicant, data associated with the applicant from the at least one data source, the information associated with the decision rules, and the selection of information associated with decision rules. The decision is displayed.
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Citations
36 Claims
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1. A method for generating a rule for automated credit request decisioning, comprising:
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receiving information associated with an applicant through a user interface; configuring, by a server device, the user interface to allow a user to define a plurality of decision rules in a near-natural language; receiving the plurality of decision rules in the near-natural language, the plurality of decision rules being received from the user through the user interface; determining information associated with the plurality of decision rules based on the plurality of decision rules in the near-natural language; generating a decision flow in response to receiving an identification from the user through the user interface of a flow element, of a decision block, and of a flow path for connecting to at least one of the decision block or the flow element, the decision flow comprising the flow element, the decision block, and the flow path; receiving data associated with the applicant from at least one data source; determining, by the server device, a decision for the applicant based on the information associated with the applicant, the data associated with the applicant from at least one data source, the information associated with the plurality of decision rules determined based on the plurality of decision rules in the near-natural language, and the decision flow, wherein determining the decision for the applicant comprises applying in accordance with the decision flow an executable version of the information associated with the plurality of decision rules in the near-natural language to the data associated with the applicant from at least one data source; and providing the decision to the user interface. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A non-transitory computer-readable medium for generating a rule for automated credit request decisioning, comprising program code executable by a processor, the program code comprising:
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program code for receiving information associated with an applicant through a user interface; program code for receiving data associated with the applicant from at least one data source; program code for configuring the user interface to allow the user to define a plurality of decision rules in a near-natural language; program code for determining information associated with the plurality of decision rules based on the plurality of decision rules in the near-natural language defined by the user; program code for generating a decision flow in response to receiving an identification from the user through the user interface of a flow element, of a decision block, and of a flow path for connecting to at least one of the decision block or the flow element, the decision flow comprising the flow element, the decision block, and the flow path; program code for determining a decision for the applicant based on the information associated with the applicant, the data associated with the applicant from at least one data source, the information associated with the plurality of decision rules determined based on the plurality of decision rules in the near-natural language, and the decision flow, wherein program code for determining the decision for the applicant comprises program code for applying in accordance with the decision flow an executable version of the information associated with the plurality of decision rules in the near-natural language to the data associated with the applicant from at least one data source; and program code for providing the decision to the user interface. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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33. A system for generating a rule for automated credit request decisioning, comprising:
a processor for executing stored instructions to receive information associated with an applicant through a user interface; receive data associated with the applicant from at least one data source; configure the user interface to allow the user to define a plurality of decision rules in a near-natural language; determine information associated with the plurality of decision rules based on the plurality of decisions rules in the near-natural language; generate a decision flow in response to receiving an identification from the user through the user interface of a flow element, of a decision block, and of a flow path for connecting to at least one of the decision block or the flow element, the decision flow comprises the flow element, the decision block, and the flow path; determine a decision for the applicant based on the information associated with the applicant, the data associated with the applicant from at least one data source, the information associated with the plurality of decision rules determined based on the plurality of decision rules in the near-natural language, and the decision flow by applying in accordance with the decision flow an executable version of the information associate with the plurality of decision rules in the near-natural language to the data associated with the applicant from at least one data source; and provide the decision to the user interface. - View Dependent Claims (34, 35, 36)
Specification