System and method for providing an aggregation tool

• US 8,606,666 B1
• Filed: 01/30/2008
• Issued: 12/10/2013
• Est. Priority Date: 01/31/2007
• Status: Active Grant

• Current Assignee: Experian Information Solutions Incorporated (Experian plc)
• Original Assignee: Experian Information Solutions Incorporated (Experian plc)
• Inventors: Rodenbusch, Richard, Courbage, Magali, Morani, Jean-Dominique
• Primary Examiner(s): NGUYEN, TIEN C
• Application Number:
  US12/022,954
• Time in Patent Office: 2,141 Days
• Field of Search: 705 30- 45, 715/500, 715/208, 709/217, 707/9, 707/102, 235/381, 370/352
• US Class Current: 705/34
• CPC Class Codes: G06F 1/00 Details not covered by groups G06F3/00 - G06F13/00 and G06F21/00 architectures of general purpose stored program computers G06F15/76
• CPC Class Codes: G06F 11/07 Responding to the occurrence of a fault, e.g. fault tolerance
• CPC Class Codes: G06F 11/22 Detection or location of defective computer hardware by testing during standby operation or during idle time, e.g. start-up testing
• CPC Class Codes: G06F 16/90 Details of database functions independent of the retrieved data types
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.

Claims

1. A method of validating credit data attributes comprising:

coding, by a computer system comprising one or more computing devices, a credit data attribute via a coding user interface configured to accept as input one or more functions to be associated with raw credit data, filters, and attributes, the coding comprising;

choosing, by the computer system via the coding user interface, a credit data attribute name of the credit data attribute; and

creating, by the computer system via the coding user interface, a credit data attribute formula expression of the credit data attribute, the credit data attribute formula expression comprising;

at least one function reference, a first filter, a second filter, and one or more raw data,

the first filter comprising a first function reference and a first raw data, the second filter comprising a second function reference and a second raw data;

validating the credit data attribute formula expression via a validation user interface configured to display information in a format that allows identification of errors in one or more of the first filter, the second filter, or the credit data attribute formula expression, the validating comprising;

selecting a data source associated with a consumer, the data source comprising the plurality of credit data lines related to the consumer, each credit line comprising a first raw data value of the first raw data and a second raw data value of the second raw data;

applying the credit data attribute formula expression to the data source, the applying comprising;

calculating, of each credit data line in the plurality of credit data lines, the calculated first filter value by applying the first function reference to the first raw data value, the calculating resulting in a plurality of calculated first filter values;

calculating, of each credit data line in the plurality of credit data lines, the calculated second filter value by applying the second function reference to the second raw data value, the calculating resulting in a plurality of calculated second filter values;

calculating the credit data attribute value by applying the at least one function reference to one or more of the plurality of calculated first filter values, the plurality of calculated second filter values, or one or more raw data values;

displaying, via the validation user interface, of each credit data line, the calculated first filter value, the calculated second filter value, the first raw data value, and the second raw data value;

displaying, via the validation user interface, the credit data attribute value in association with the credit data attribute name; and

identifying a coding error in the first filter, the second filter, or the credit data attribute formula expression;

recoding, by the computer system via the coding user interface, the credit data attribute, the recoding comprising;

receiving, by the computer system, corrective input, based on the identified coding error; and

revising, by the computer system via the coding user interface, the credit data attribute formula expression of the credit data attribute using the corrective input, the revising resulting in a revised credit data attribute formula expression; and

revalidating, by the computer system via the validation user interface, the revalidating comprising;

reselecting the data source associated with the consumer;

applying the revised credit data attribute formula expression to the data source to generate a recalculated credit data attribute value, the applying comprising;

recalculating, of each credit data line in the plurality of credit data lines, the calculated first filter value by applying the first function reference to the first raw data value, the recalculating resulting in a plurality of recalculated first filter values;

recalculating, of each credit data line in the plurality of credit data lines, the calculated second filter value by applying the second function reference to the second raw data value, the recalculating resulting in a plurality of recalculated second filter values;

recalculating the credit data attribute value by applying the at least one function reference to one or more of the plurality of recalculated first filter values, the plurality of recalculated second filter values, or one or more raw data values;

displaying, via the validation user interface, of each credit data line, the recalculated first filter value, the recalculated second filter value, the first raw data value, and the second raw data value;

displaying, via the validation user interface, the recalculated credit data attribute value; and

determining, based upon the displayed recalculated credit data attribute value, that the revised credit data attribute formula expression does not contain an error.

2. The method of claim 1, wherein selecting the data source associated with a consumer comprises selecting the data source from multiple available data sources.

3. The method of claim 2, wherein the multiple available data sources comprise at least 15 data sources.

4. The method of claim 2, wherein the multiple available data sources comprise at least 200 data sources.

5. The method of claim 1, wherein displaying, via the validation user interface, of each credit data line, further comprises displaying raw credit data of at least thirteen credit data lines.

6. The method of claim 1, wherein each credit data line comprises at least six raw data values.

7. The method of claim 1, wherein the credit data attribute formula expression is dependent upon at least nine credit data filters.

8. The method of claim 1, wherein the credit data attribute formula expression further comprises a reference to a second credit data attribute.

9. The method of claim 1, wherein the validation user interface and the coding user interface are comprised in a single platform-independent user interface application.

10. A non-transitory computer readable medium comprising computer-executable instructions that, when executed by a computer, cause the computer to perform a method of validating credit data attributes comprising:

coding, by a computer system comprising one or more computing devices, a credit data attribute via a coding user interface configured to accept as input one or more functions to be associated with raw credit data, filters, and attributes, the coding comprising;

choosing, by the computer system via the coding user interface, a credit data attribute name of the credit data attribute; and

creating, by the computer system via the coding user interface, a credit data attribute formula expression of the credit data attribute, the credit data attribute formula expression comprising;

at least one function reference, a first filter, a second filter, and one or more raw data,

the first filter comprising a first function reference and a first raw data, the second filter comprising a second function reference and a second raw data;

validating the credit data attribute formula expression via a validation user interface configured to display information in a format that allows identification of errors in one or more of the first filter, the second filter, or the credit data attribute formula expression, the validating comprising;

selecting a data source associated with a consumer, the data source comprising the plurality of credit data lines related to the consumer, each credit line comprising a first raw data value of the first raw data and a second raw data value of the second raw data;

applying the credit data attribute formula expression to the data source, the applying comprising;

calculating, of each credit data line in the plurality of credit data lines, the calculated first filter value by applying the first function reference to the first raw data value, the calculating resulting in a plurality of calculated first filter values;

calculating, of each credit data line in the plurality of credit data lines, the calculated second filter value by applying the second function reference to the second raw data value, the calculating resulting in a plurality of calculated second filter values;

calculating the credit data attribute value by applying the at least one function reference to one or more of the plurality of calculated first filter values, the plurality of calculated second filter values, or one or more raw data values;

displaying, via the validation user interface, of each credit data line, the calculated first filter value, the calculated second filter value, the first raw data value, and the second raw data value;

displaying, via the validation user interface, the credit data attribute value in association with the credit data attribute name; and

identifying a coding error in the first filter, the second filter, or the credit data attribute formula expression;

recoding, by the computer system via the coding user interface, the credit data attribute, the recoding comprising;

receiving, by the computer system, corrective input, based on the identified coding error; and

revising, by the computer system via the coding user interface, the credit data attribute formula expression of the credit data attribute using the corrective input, the revising resulting in a revised credit data attribute formula expression; and

revalidating, by the computer system via the validation user interface, the revalidating comprising;

reselecting the data source associated with the consumer;

applying the revised credit data attribute formula expression to the data source to generate a recalculated credit data attribute value, the applying comprising;

recalculating, of each credit data line in the plurality of credit data lines, the calculated first filter value by applying the first function reference to the first raw data value, the recalculating resulting in a plurality of recalculated first filter values;

recalculating, of each credit data line in the plurality of credit data lines, the calculated second filter value by applying the second function reference to the second raw data value, the recalculating resulting in a plurality of recalculated second filter values;

recalculating the credit data attribute value by applying the at least one function reference to one or more of the plurality of recalculated first filter values, the plurality of recalculated second filter values, or one or more raw data values;

displaying, via the validation user interface, of each credit data line, the recalculated first filter value, the recalculated second filter value, the first raw data value, and the second raw data value;

displaying, via the validation user interface, the recalculated credit data attribute value; and

determining, based upon the displayed recalculated credit data attribute value, that the revised credit data attribute formula expression does not contain an error.

11. A credit data attribute validation system, the system comprising:

a first physical data store configured to store credit data; and

a computing device in communication with the first physical data store and configured to;

code, by the computing device, a credit data attribute via a coding user interface configured to accept as input one or more functions to be associated with raw credit data, filters, and attributes, the coding comprising;

choosing, by the computer system via the coding user interface, a credit data attribute name of the credit data attribute; and

creating, by the computer system via the coding user interface, a credit data attribute formula expression of the credit data attribute, the credit data attribute formula expression comprising;

at least one function reference, a first filter, a second filter, and one or more raw data,

the first filter comprising a first function reference and a first raw data, the second filter comprising a second function reference and a second raw data;

validate the credit data attribute formula expression via a validation user interface configured to display information in a format that allows identification of errors in one or more of the first filter, the second filter, or the credit data attribute formula expression, the validating comprising;

selecting a data source, from the first physical data store, associated with a consumer, the data source comprising the plurality of credit data lines related to the consumer, each credit line comprising a first raw data value of the first raw data and a second raw data value of the second raw data;

applying the credit data attribute formula expression to the data source, the applying comprising;

calculating, of each credit data line in the plurality of credit data lines, the calculated first filter value by applying the first function reference to the first raw data value, the calculating resulting in a plurality of calculated first filter values;

calculating, of each credit data line in the plurality of credit data lines, the calculated second filter value by applying the second function reference to the second raw data value, the calculating resulting in a plurality of calculated second filter values;

calculating the credit data attribute value by applying the at least one function reference to one or more of the plurality of calculated first filter values, the plurality of calculated second filter values, or one or more raw data values;

displaying, via the validation user interface, of each credit data line, the calculated first filter value, the calculated second filter value, the first raw data value, and the second raw data value;

displaying, via the validation user interface, the credit data attribute value in association with the credit data attribute name; and

identifying a coding error in the first filter, the second filter, or the credit data attribute formula expression;

recode, by the computer system via the coding user interface, the credit data attribute, the recoding comprising;

receiving, by the computer system, corrective input, based on the identified coding error; and

revising, by the computer system via the coding user interface, the credit data attribute formula expression of the credit data attribute using the corrective input, the revising resulting in a revised credit data attribute formula expression; and

revalidate, by the computer system via the validation user interface, the revalidating comprising;

reselecting the data source associated with the consumer;

applying the revised credit data attribute formula expression to the data source to generate a recalculated credit data attribute value, the applying comprising;

recalculating, of each credit data line in the plurality of credit data lines, the calculated first filter value by applying the first function reference to the first raw data value, the recalculating resulting in a plurality of recalculated first filter values;

recalculating, of each credit data line in the plurality of credit data lines, the calculated second filter value by applying the second function reference to the second raw data value, the recalculating resulting in a plurality of recalculated second filter values;

recalculating the credit data attribute value by applying the at least one function reference to one or more of the plurality of recalculated first filter values, the plurality of recalculated second filter values, or one or more raw data values;

displaying, via the validation user interface, of each credit data line, the recalculated first filter value, the recalculated second filter value, the first raw data value, and the second raw data value;

displaying, via the validation user interface, the recalculated credit data attribute value; and

determining, based upon the displayed recalculated credit data attribute value, that the revised credit data attribute formula expression does not contain an error.

12. The system of claim 11, wherein selecting the data source associated with a consumer comprises selecting the data source from multiple available data sources.

13. The system of claim 12, wherein the multiple available data sources comprise at least 15 data sources.

14. The system of claim 12, wherein the multiple available data sources comprise at least 200 data sources.

15. The system of claim 11, wherein displaying, via the validation user interface, of each credit data line, further comprises displaying raw credit data of at least thirteen credit data lines.

16. The system of claim 11, wherein each credit data line comprises at least six raw data values.

17. The system of claim 11, wherein the credit data attribute formula expression is dependent upon at least nine credit data filters.

18. The system of claim 11, wherein the credit data attribute formula expression further comprises a reference to a second credit data attribute.

19. The system of claim 11, wherein the validation user interface and the coding user interface are comprised in a single platform-independent user interface application.