SYSTEM AND METHOD FOR DEFINING ATTRIBUTES, DECISION RULES, OR BOTH, FOR REMOTE EXECUTION, CLAIM SET II

• US 20060267999A1
• Filed: 04/07/2006
• Published: 11/30/2006
• Est. Priority Date: 05/24/2005
• Status: Active Grant

• Current Assignee: CRIF Corp. (CRIBIS Holding SRL)
• Original Assignee: Magnum Communications Limited
• Inventors: Ryan, Edith D., Cash, Joseph Larry, Bridenbaugh, Ray F.
• Granted Patent: US 8,019,843 B2
• Time in Patent Office: Days
• US Class Current: 345/581
• 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 system comprising:

a computer at a data provider site configured to receive at least one set of user-defined attributes and decision rules from a client site, and configured to retrieve and process data based on the attributes and decision rules to generate result data returned to the client site.

2. A system as claimed in claim 1 wherein the computer at the data provider site comprises an execution engine configured to receive the set of user-defined attributes and decision rules, retrieve data from a database of the data provider using the attributes, and apply the decision rules to the attribute-processed data to generate the result data provided to the client site.

3. A system as claimed in claim 2 wherein the computer of the data provider site is configured to receive the attributes and decision rules from the client site via a communication network.

4. A system as claimed in claim 3 wherein the communication network is the Internet.

5. A system as claimed in claim 2 wherein the set of one or more attributes and decision rules relates to credit scoring.

6. A system as claimed in claim 2 wherein the execution engine is configured to use the set of one or more attributes and 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 system as claimed in claim 2 wherein the data provider is a credit bureau or other credit reporting agency.

8. A system as claimed in claim 2 wherein the attributes and 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 system as claimed in claim 2 wherein the execution engine is configured to receive the data of the data provider, apply the attributes to process a portion of the data, and further apply the decision rules to generate the result data.

10. A system as claimed in claim 2 wherein the set of one or more attributes and decision rules is received from the client site along with an identifier, and the execution module is configured to provide the result data to the client site from the data provider site along with the identifier so that the client site can correlate the result data with the set of attributes and decision rules that generated the result data.

11. An apparatus interacting with a first computer, comprising:

a second computer located at a data provider remote from the first computer, the second computer configured to run an execution engine that receives a set of queries with attributes and a set of decision rules transmitted by the first computer, the execution engine generating the queries with attributes in a language and format usable by the second computer to query and retrieve data from a repository of the data provider, the execution engine receiving data from the repository in response to the queries and applying the decision rules to generate result data, the second computer transmitting the result data to the first computer or other computer of an entity external to the data provider.

12. An apparatus as claimed in claim 11 wherein the entity provides the set of queries with attributes and the set of decision rules received from the second computer.

13. A system as claimed in claim 11 wherein the first computer is configured to transmit the set of attributes and queries and the set of decision rules to the second computer via a communication network.

14. A system as claimed in claim 11 wherein the second computer is configured to transmit the result data to the first computer or other computer via the communication network.