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

• US 8,019,843 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: Bridenbaugh, Ray F Jr., Cash, Joseph Larry, Ryan, Edith D
• Primary Examiner(s): RUDY, ANDREW J
• Application Number:
  US11/279,073
• Publication Number:
  US 20060267999A1
• Time in Patent Office: 1,985 Days
• Field of Search: 235/375, 235/379, 707/999.102, 707/379, 707/380, 707/382, 707/783, 707/784, 707/944, 707/950, 709/203, 709/217, 709/223, 705/30, 705/34, 705/35, 705/38
• US Class Current: 709/223
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• 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 data provider computer system at a data provider site comprising one or more memory storage areas and one or more processors, the data provider computer system configured to:

receive 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 (a) are defined by a user via a client computing device at a client site and (b) are to be applied to the data provider'"'"'s data comprising a plurality of credit records corresponding respectively to a plurality of consumer credit profiles;

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

identify a plurality of credit records corresponding respectively to a plurality of consumer credit 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 credit 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 comprises at least a portion of each credit record of the plurality of credit records from the data provider'"'"'s data satisfying the set of one or more attributes and one or more decision rules; and

transmit the result data.

2. A data provider computer system as claimed in claim 1 wherein the data provider computer system is further configured to (a) retrieve data from a database of the data provider using the one or more attributes and (b) apply the one or more decision rules to the attribute-processed data to generate the result data.

3. A data provider computer system as claimed in claim 2 wherein the result data does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations.

4. A data provider computer system as claimed in claim 3 wherein the set of one or more attributes and one or more decision rules are transmitted to the data provider computer system via the Internet.

5. A data provider computer system as claimed in claim 1 wherein the set of one or more attributes and one or more decision rules relate to credit scoring.

6. A data provider computer system as claimed in claim 1 wherein the execution engine is configured to use the set of one or more attributes and one or more decision rules to pre-screen a pool of potential credit applicants represented by the data of the data provider to generate the result data as a pre-screen list to which solicitations are to be sent.

7. A data provider computer system as claimed in claim 1 wherein the data provider is a credit bureau or other credit reporting agency.

8. A data provider computer system as claimed in claim 1 wherein the set of one or more attributes and one or more decision rules are executed by the execution engine to generate the result data as recommended decisions as to whether credit is to be extended to the applicants.

9. A data provider computer system as claimed in claim 1 wherein the execution engine is configured to (a) apply the one or more attributes to process a portion of the data and (b) further apply the one or more decision rules to generate the result data.

10. A data provider computer system as claimed in claim 1 wherein (a) the set of one or more attributes and decision rules comprises an identifier and (b) the result data comprises the identifier for correlation to the set of one or more attributes and decision rules.

11. A method comprising:

receiving, a data provider computer system at a data provider site, 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 (a) are defined by a user via a client computing device located at a client site, (b) are to be applied to the data provider'"'"'s data comprising a plurality of credit records corresponding respectively to a plurality of consumer credit profiles, and (c) are transmitted from the client computing device;

identifying, via the data provider computer system, a plurality of credit records corresponding respectively to a plurality of consumer credit profiles from the data provider'"'"'s data satisfying the set of one or more attributes and one or more decision rules;

generating, via the data provider computer system, result data based on the plurality of credit 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 comprises at least a portion of each credit 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

transmitting, via the data provider computer system, the result data to the client computing device.

12. A method as claimed in claim 11 wherein the result data does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations.

13. A method as claimed in claim 11 wherein the data provider is a credit bureau or other credit reporting agency.

14. A method as claimed in claim 11 wherein (a) the set of one or more attributes and decision rules comprises an identifier and (b) the result data comprises the identifier for correlation to the set of one or more attributes and decision rules.