Data management system

• US 9,262,779 B2
• Filed: 10/24/2011
• Issued: 02/16/2016
• Est. Priority Date: 10/24/2011
• Status: Active Grant

• Current Assignee: OnApproach LLC (Trellance, Inc.)
• Original Assignee: OnApproach LLC (Trellance, Inc.)
• Inventors: Rohde, James A., Ablack, Paul
• Primary Examiner(s): Lin, Shew-Fen
• Assistant Examiner(s): Gmahl, Navneet K
• Application Number:
  US13/317,635
• Publication Number:
  US 20130103722A1
• Time in Patent Office: 1,576 Days
• Field of Search: 707722-725
• US Class Current: 1/1
• CPC Class Codes: G06Q 30/0603 Catalogue ordering

Abstract

A data model and associated systems and methods enable comprehensive and robust analysis based on a member-, employee-, and branch-centric data model. The data model is integrated in a manner in which common data entities for member, branch, employee and time, are related centrally to other data entities. This data structure enables breadth in reporting and analysis. The data model also provides depth in analysis and insight that may be gained from the data quickly, in real-time and without manual manipulation. Automation of reporting and analysis processes is also supported.

Claims

1. A data management system for member-centric reporting and analysis of data for credit unions, comprising:

a non-transitory computer-readable medium for storing data and instructions;

a processor for executing the instructions stored in the computer-readable medium;

the data having a credit union data structure including;

a) a member dimension table defining a plurality of attributes that characterize each member of the credit union;

b) a branch dimension table defining a plurality of attributes that characterize each branch of the credit union;

c) an employee dimension table defining a plurality of attributes that characterize each employee of the credit union;

d) a plurality of credit union business product data entities defining a respective plurality of credit union business products available to credit union members;

each credit union business product data entity including at least one fact table containing data representing values that characterize the respective corresponding credit union business product;

the credit union business product data entities including;

i) a share account product entity, having a share account product fact table representing values associated with a share account product;

ii) a credit card product entity, having a credit card fact table representing values associated with a credit card product;

iii) a loan product entity, having a loan product fact table representing values associated with a loan product;

iv) a certificate product entity, having a certificate product fact table representing values associated with a certificate product;

v) an insurance product entity, having an insurance product fact table representing values associated with an insurance product;

vi) an investments product entity, having an investments fact table representing values associated with an investment product;

vii) a general ledger entity, having a general ledger fact table representing values associated with general ledger activity; and

viii) a surveys entity, having a member survey fact table representing values associated with member survey activity;

generating a data model containing a matrix defining the relationship between the member dimension table, branch dimension table and employee dimension table and logical connection to substantially all of the fact tables to enable member-centric, branch-centric and employee-centric reporting and analysis of the business-product related data;

the instructions, when executed, causing the processor to perform the steps of;

extracting source data from at least one source database of the credit union;

loading the source data into a schema adapted to the credit union data structure;

applying transformational attributes to the source data to cause the data to be structured according to the credit union data structure; and

an interface, including a display and a user input device for permitting user interaction with the data management system, the interface, processor and data structure adapted to generate reporting and analysis of the credit union data according to different reporting perspectives, including at least two or more of an employee productivity perspective, risk and compliance perspective, cross-selling perspective, member growth and attrition perspective and loan risk and pricing perspective.

2. The data management system of claim 1, further comprising a time data entity.

3. The data management system of claim 1, wherein the business product data entities include a reward data entity.

4. The data management system of claim 1, wherein the business product data entities include a compliance data entity and wherein the compliance data entity is created as a transformed data entity.

5. The data management system of claim 1, wherein the business product data entities include at least one added value data entity.

6. The data management system of claim 1, wherein the business product data entities include entities relating to credit score, delinquency, member risk, member attrition, monthly transaction count.

7. The data management system of claim 1, wherein the member dimension table includes attributes related to member status.

8. The data management system of claim 1, further comprising at least one transformed data entity for facilitating automation, the at least one transformed data entity including attributes relating to member identification number, social security number, missing data designation, source file name, or delinquency range.

9. The data management system of claim 2, wherein the data structure enable reporting perspectives for compliance, cross-selling, growth, liquidity, collections/delinquency and surveys based upon the branch dimension table, employee dimension table, member dimension table and time data entity.