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

• US 8,024,778 B2
• Filed: 04/07/2006
• Issued: 09/20/2011
• 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:
  US11/279,076
• Publication Number:
  US 20060293979A1
• Time in Patent Office: 1,992 Days
• Field of Search: 705/8, 705/26, 705/37, 705/38, 705/7.11, 705/30, 705/34, 705/35, 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, 709/219, 709/223, 713/155, 713/156, 713/164, 713/165, 726 2- 10, 726 26- 30
• US Class Current: 726/4
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• 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
• CPC Class Codes: H04M 15/43 Billing software details

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 method comprising:

defining, via a client computing device at a client 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 are to be applied to a data provider'"'"'s data comprising a plurality of credit records corresponding respectively to a plurality of consumer credit profiles;

associating a unique identifier with the set of one or more attributes and one or more decision rules;

transmitting the set of one or more attributes and one or more decision rules associated with the unique identifier to a data provider computer system located at a data provider'"'"'s site;

receiving, via the client computing device at the client site, result data, wherein (a) the result data is generated by the data provider computer system 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 to 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, and (b) 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.

2. The method according to claim 1 wherein defining the set of one or more attributes and one or more decision rules is executed via a design module running on the client computing device.

3. The method according to claim 2 wherein applying the set of one or more attributes and one or more decision rules is executed via an execution engine running on the data provider computer system.

4. The method according to claim 3 wherein the data provider is a credit bureau.

5. The method according to claim 3 wherein the client computing device is part of a loan management system at the client site.

6. The method according to claim 3 wherein the execution engine carries out a batch of transactions to produce the result data.

7. The method according to claim 1 wherein the result data does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations.

8. The method according to claim 2 wherein defining the set of one or more attributes and one or more decision rules comprises:

sequencing the attributes using the design module to retrieve data from the data provider'"'"'s data using the one or more attributes based at least in part on the sequencing; and

providing the one or more decision rules to the attribute-processed data to generate the result data.

9. The method according to claim 1 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 execution engine.

15. The client computing device 24 according to claim 1 wherein the result data does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations.

10. A client computing device at a client site, comprising one or more memory storage areas and one or more processors, the client computing device configured 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 credit records corresponding respectively to a plurality of consumer credit profiles;

associate a unique identifier with the set of one or more attributes and one or more decision rules;

transmit the set of one or more attributes and one or more decision rules associated with the unique identifier to a data provider computer system located at a data provider'"'"'s site;

receive result data, wherein (a) the result data is generated by the data provider computer system 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 to 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, and (b) 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.

11. The client computing device 24 wherein defining the set of one or more attributes and one or more decision rules is executed via a design module running on the client computing device.

12. The client computing device 24 wherein applying the set of one or more attributes and one or more decision rules is executed via an execution engine running on the data provider computer system.

13. The client computing device 24 wherein the data provider is a credit bureau.

14. The client computing device 24 wherein the client computing device is part of a loan management system at the client site.

16. The client computing device 24 wherein defining the set of one or more attributes and one or more decision rules comprises:

sequencing the attributes using the design module to retrieve data from the data provider'"'"'s data using the one or more attributes based at least in part on the sequencing; and

providing the one or more decision rules to the attribute-processed data to generate the result data.

17. The client computing device 24 wherein the client computing device is 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 execution engine.