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

• US 8,019,828 B2
• Filed: 04/07/2006
• Issued: 09/13/2011
• Est. Priority Date: 05/24/2005
• Status: Active Grant

• Current Assignee: CRIF Corp. (CRIBIS Holding SRL)
• Original Assignee: CRIF Corp. (CRIBIS Holding SRL)
• Inventors: Ryan, Edith D., Bridenbaugh, Ray F. Jr., Cash, Joseph Larry
• Primary Examiner(s): RUDY, ANDREW J
• Application Number:
  US11/279,074
• Publication Number:
  US 20060293932A1
• Time in Patent Office: 1,985 Days
• Field of Search: 235/375, 235/376, 235/379, 235/380, 235/382, 707/783, 707/784, 707/944, 707/950, 707/999.102, 709/203, 709/217, 709/223, 705/30, 705/34, 705/35, 705/38
• US Class Current: 709/217
• 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 client computer system comprising one or more client computing device, the client computer system configured:

receive result data transmitted from a data provider computer system at a data provider'"'"'s site, wherein

(a) the result data is generated by the data provider computer system by applying a set of one or more attributes and one or more decision rules to the data provider'"'"'s data to identify a plurality of credit records corresponding respectively to a plurality of consumer credit profiles from the data provider'"'"'s data that satisfy the set of one or more attributes and one or more decision rules,

(b) the set of one or more attributes and one or more decision rules are defined by a user via a client computing device associated with the client computer system, and

(c) the result data comprises at least a portion of each credit record of the plurality of credit records from the data provider'"'"'s data that satisfy the set of one or more attributes and one or more decision rules, and

obtain contact information for at least a portion of the consumers associated with the result data, wherein the contact information is used to provide a solicitation to the at least a portion of the consumers associated with the result data.

2. A client computer system as claimed in claim 1 wherein the client computer system transmits the set of one or more attributes and one or more decision rules to the data provider computer system via a communication network.

3. A client computer system as claimed in claim 2 wherein the communication network is the Internet.

4. A client computer system as claimed in claim 1 further configured to store the result data in association with data identifying the set of one or more attributes and one or more decision rules.

5. A client computer system as claimed in claim 1 wherein the solicitation comprises an application for a benefit or offering of a marketing campaign.

6. A client computer system as claimed in claim 5 further configured to:

receive performance data associated with the marketing campaign, wherein the performance data is selected from the group consisting of (a) a number of applications returned by consumers, (b) a number of applications accepted by the entity for the benefit or offering, (c) a payment performance of the consumers under the benefit or offering, and (d) a profitability of the benefit or offering; and

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

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

8. A client computer system as claimed in claim 5 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.

9. A client computer system as claimed in claim 1 further configured to:

modify the set of one or more attributes and one or more decision rules based at least in part on the result data; and

transmit the modified set of one or more attributes and one or more decision rules to the data provider computer system for use by the data provider computer system in generating result data.

10. A client computer system as claimed in claim 1 wherein the result data does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations.

11. A client computer system as claimed in claim 1 wherein the data provider computer system carries out a batch of transactions to produce the result data.

12. A method comprising:

receiving, via a client computer system, result data transmitted from a data provider computer system at a data provider'"'"'s site, wherein

(a) the result data is generated by the data provider computer system by applying a set of one or more attributes and one or more decision rules to the data provider'"'"'s data to identify a plurality of credit records corresponding respectively to a plurality of consumer credit profiles from the data provider'"'"'s data that satisfy the set of one or more attributes and one or more decision rules,

(b) the set of one or more attributes and one or more decision rules are defined by a user via a client computing device, and

(c) the result data comprises at least a portion of each credit record of the plurality of credit records from the data provider'"'"'s data that satisfy the set of one or more attributes and one or more decision rules, and

obtaining, via the client computer system, contact information for at least a portion of the consumers associated with the result data, wherein the contact information is used to provide a solicitation to the at least a portion of the consumers associated with the result data.

13. A method as claimed in claim 12 further comprising transmitting the set of one or more attributes and one or more decision rules to the data provider computer system via a communication network.

14. A method as claimed in claim 13 wherein the communication network is the Internet.

15. A method as claimed in claim 12 further comprising storing the result data in association with data identifying the set of one or more attributes and one or more decision rules.

16. A method as claimed in claim 12 wherein the solicitation comprises an application for a benefit or offering of a marketing campaign.

17. A method as claimed in claim 16 wherein the benefit or offering is use of a credit card.

18. A method as claimed in claim 16 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.

19. A method as claimed in claim 16 further comprising:

receiving performance data associated with the marketing campaign, wherein the performance data is selected from the group consisting of (a) a number of applications returned by consumers, (b) a number of applications accepted by the entity for the benefit or offering, (c) a payment performance of the consumers under the benefit or offering, and (d) a profitability of the benefit or offering; and

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

20. A method as claimed in claim 12 further comprising:

modifying the set of one or more attributes and one or more decision rules based at least in part on the result data; and

transmitting the modified set of one or more attributes and one or more decision rules to the data provider computer system for use by the data provider computer system in generating result data.

21. A method as claimed in claim 12 wherein the result data does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations.

22. A method as claimed in claim 12 wherein the data provider computer system carries out a batch of transactions to produce the result data.