公开(公告)号：US6112190A

公开(公告)日：2000-08-29

申请号：US912866

申请日：1997-08-19

Applicant: Bruce Alan Fletcher ,  Sandeep Bhat ,  Ira Didner ,  Yehudah Freundlich ,  Richard Kolodziejski ,  Joseph Schoder ,  Yagil Ronen

Inventor： Bruce Alan Fletcher ,  Sandeep Bhat ,  Ira Didner ,  Yehudah Freundlich ,  Richard Kolodziejski ,  Joseph Schoder ,  Yagil Ronen

IPC: G06Q40/00 ,  G06F17/00 ,  G06F17/30

CPC classification number: G06Q40/08 ,  G06Q40/00 ,  G06Q40/06

Abstract: This invention describes a method and system for assimilating data, applying reasoning mechanisms, and emulating the thought processes of a credit officer for commercial credit analysis. The system aids a credit officer in the risk assessment and completion of a loan package. The system thereby improves loan turnaround time and customer service, improving loan servicing capacity, quality, and consistency of credit decisions, and reducing costs. The system includes: 1) a conventional data base management system subsystem that manages and collects data via electronic access and end-user data entry; and 2) a decision support expert system that applies a knowledge base and inference engine (collectively known as an assessment model) utilizing an evidence tree and a generalized weighting approach to analyze credit requests.

Abstract translation: 本发明描述了一种用于同化数据的方法和系统，应用推理机制，以及模拟信用人员对商业信用分析的思考过程。 该系统帮助信贷人员进行风险评估和完成贷款。 从而改善贷款周转时间和客户服务，提高贷款服务能力，质量和信贷决策的一致性，降低成本。 该系统包括：1）常规数据库管理系统子系统，通过电子访问和最终用户数据输入管理和收集数据; 和2）使用证据树和广义加权方法来应用知识库和推理机（统称为评估模型）的决策支持专家系统来分析信用请求。