Simultaneous customer/account strategy execution in a decision management system
First Claim
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1. A computer-implemented decision management process for evaluating a customer of an organization having more than one account, comprising:
- loading all customer and account data required for evaluating the customer and each of the accounts into a computer of a decision management system;
evaluating the customer and each of the accounts via an iterative function which uses the loaded customer and account data by a computer of the decision management system, wherein said evaluating determines which strategy of a plurality of strategies will be used to evaluate each account via the iterative function based on a type of the account, and evaluates each account for a same product or service via the iterative function with the same strategy and evaluates accounts for different products or services via the iterative function with different strategies, to thereby produce a respective decision for each of the accounts, the loaded customer and account data being loaded at a time prior to initiating said evaluating and being sufficient to evaluate the customer and each of the accounts by said evaluating without loading additional customer or account data, the customer and each of the accounts thereby being evaluated in a single pass via the iterative function; and
taking an action in accordance with a result of said evaluating.
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Abstract
A computer-implemented decision management process for evaluating a customer having more than one account. An iterative function, such as an iterative decision tree, is provided to evaluate the customer and each of the accounts interactively and interchangeably in a single pass. The iterative function has virtual attributes for accessing customer data and/or account data. The process iterates through the iterative function in accordance with the number of accounts of the customer.
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Citations
30 Claims
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1. A computer-implemented decision management process for evaluating a customer of an organization having more than one account, comprising:
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loading all customer and account data required for evaluating the customer and each of the accounts into a computer of a decision management system; evaluating the customer and each of the accounts via an iterative function which uses the loaded customer and account data by a computer of the decision management system, wherein said evaluating determines which strategy of a plurality of strategies will be used to evaluate each account via the iterative function based on a type of the account, and evaluates each account for a same product or service via the iterative function with the same strategy and evaluates accounts for different products or services via the iterative function with different strategies, to thereby produce a respective decision for each of the accounts, the loaded customer and account data being loaded at a time prior to initiating said evaluating and being sufficient to evaluate the customer and each of the accounts by said evaluating without loading additional customer or account data, the customer and each of the accounts thereby being evaluated in a single pass via the iterative function; and taking an action in accordance with a result of said evaluating. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A computer-implemented decision management process for evaluating a customer of an organization having more than one account, said more than one account including accounts for different products or services, the process comprising:
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providing an iterative function to evaluate the customer and each of the accounts, the iterative function having virtual attributes for accessing at least one of customer data and account data; iterating through the iterative function in accordance with the number of the accounts to thereby evaluate the customer and each of the accounts by a computer of a decision management system, wherein the iterative function determines which strategy of a plurality of strategies will be used to evaluate each account based on a type of the account, evaluates each account for the same product or service with the same strategy, and evaluates accounts for different products or services with different strategies, to thereby produce a respective decision for each of the accounts, and to thereby evaluate the customer and each of the accounts in a single pass via the iterative function; and taking an action in accordance with a result of the evaluation of the customer. - View Dependent Claims (15, 16, 17)
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18. An apparatus for evaluating a customer of an organization having more than one account, comprising:
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a computer-implemented evaluation device which loads all customer and account data required for evaluating the customer and each of the accounts, and evaluates the customer and each of the accounts via an iterative function which uses the loaded customer and account data, wherein the evaluation device determines which strategy of a plurality of strategies will be used to evaluate each account via the iterative function based on a type of the account, and evaluates each account for a same product or service via the iterative function with the same strategy and evaluates accounts for different products or services via the iterative function with different strategies, to thereby produce a respective decision for each of the accounts, the loaded customer and account data being loaded at a time prior to initiating the evaluation by the evaluation device and being sufficient to evaluate the customer and each of the accounts by the evaluation device without loading additional customer or account data, the evaluation device thereby evaluating the customer and each of the accounts in a single pass via the iterative function; and an action taking system which takes an action in accordance with a result of the evaluation by the evaluation device. - View Dependent Claims (19, 20)
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21. An apparatus for evaluating a customer of an organization having more than one account, comprising:
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computer-implemented evaluating means for loading all customer and account data required to evaluate the customer and each of the accounts, and for evaluating the customer and each of the accounts via an iterative function which uses the loaded customer and account data, wherein said means determines which strategy of a plurality of strategies will be used to evaluate each account via the iterative function based on a type of the account, evaluates each account for a same product or service via the iterative function with the same strategy and evaluates accounts for different products or services via the iterative function with different strategies, to thereby produce a respective decision for each of the accounts, the loaded customer and account data being loaded at a time prior to initiating said evaluating and being sufficient to evaluate the customer and each of the accounts by said means without loading additional customer or account data, the customer and each of the accounts thereby being evaluated in a single pass via the iterative function; and means for taking action in accordance with a result of the evaluation by the evaluating means.
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22. A computer-implemented decision management process for evaluating a customer of an organization having more than one account for a first product or service, and more than one account for a second product or service different from said first product or service, comprising:
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loading all customer and account data required for evaluating the customer and each of the accounts into a computer of a decision management system; via an iterative function which uses the loaded customer and account data, determining whether each account is for the first product or service or for the second product or service by a computer of the decision management system, evaluating the customer and each of the determined accounts for the first product or service with a first strategy by a computer of the decision management system, and evaluating the customer and each of the determined accounts for the second product or service with a second strategy different from the first strategy by a computer of the decision management system, to thereby produce a respective decision for each of the determined accounts for the first product or service and for each of the determined accounts for the second product or service, the loaded customer and account data being loaded at a time prior to initiating said evaluating and being sufficient to evaluate the customer and each of the accounts via the iterative function without loading additional customer or account data, the customer and each of the determined accounts thereby being evaluated in a single pass via the iterative function; and taking an action in accordance with said evaluating the customer and each of the determined accounts for the first product or service and said evaluating the customer and each of the determined accounts for the second product or service. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30)
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Specification