公开(公告)号：US07970698B2

公开(公告)日：2011-06-28

申请号：US10546931

申请日：2004-08-27

申请人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

发明人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

IPC分类号： G06Q40/00

CPC分类号： G06N99/005 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025

摘要： The present invention relates to automated decisioning for a credit request associated with an applicant. Information associated with an applicant is received. Data associated with the applicant is received from at least one data source. A user interface is configured to allow a user to provide a definition of decision rules in a near-natural language. Information associated with the decision rules is determined based on the definition of the decision rules. A selection of rule flow information associated with the decision rules is received through the user computer interface. A decision is generated based on the information associated with the applicant, data associated with the applicant from the at least one data source, the information associated with the decision rules, and the selection of information associated with decision rules. The decision is displayed.

摘要翻译： 本发明涉及与申请人相关联的信用请求的自动化决策。 收到与申请人有关的信息。 从至少一个数据源接收与申请者相关联的数据。 用户界面被配置为允许用户以近乎自然的语言提供决策规则的定义。 与决策规则相关的信息是根据决策规则的定义确定的。 通过用户计算机接口接收与决策规则相关联的规则流信息的选择。 基于与申请人相关联的信息，从至少一个数据源与申请人相关联的数据，与决策规则相关联的信息以及与决策规则相关联的信息的选择来生成决定。 显示决定。

公开(公告)号：US20070179827A1

公开(公告)日：2007-08-02

申请号：US10928782

申请日：2004-08-27

申请人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

发明人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

IPC分类号： G05B19/418 ,  G06F9/46

CPC分类号： G06Q40/025 ,  G06N20/00 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q40/02

摘要： The present invention relates to application processing and decisioning systems and processes. One embodiment of the invention includes a method for automating decisioning for a credit request associated with an applicant. The method includes providing a user computer interface adapted to receive information associated with an applicant, and further adapted to display and receive information associated with at least one decision rule. The method also includes receiving information associated with an applicant through the user computer interface; receiving information associated with the applicant from at least one data source; and receiving a selection of information associated with a plurality of decision rules through the user computer interface. Furthermore, the method includes receiving a selection of rule flow information associated with the plurality of decision rules through the user computer interface; generating a plurality of decision rules based at least in part on the information associated with the applicant, based at least in part on the information associated with the applicant from at least one data source, and based at least in part on the selection of information associated with a plurality of decision rules, wherein an outcome associated with the at least one decision rule can be obtained; and based in part on at least the rule flow information, displaying at least a portion of the plurality of decision rules through the user computer interface.

摘要翻译： 本发明涉及应用处理和决策系统和过程。 本发明的一个实施例包括一种用于自动决定与申请人相关联的信用请求的方法。 该方法包括提供适于接收与申请人相关联的信息的用户计算机接口，并且还适于显示和接收与至少一个决策规则相关联的信息。 该方法还包括通过用户计算机接口接收与申请人相关联的信息; 从至少一个数据源接收与申请人相关联的信息; 以及通过所述用户计算机接口接收与多个决策规则相关联的信息的选择。 此外，该方法包括通过用户计算机接口接收与多个决策规则相关联的规则流信息的选择; 至少部分地至少部分地基于与申请人相关联的信息从至少一个数据源生成多个决定规则，至少部分地基于与申请人相关联的信息，并且至少部分地基于与相关联的信息的选择 具有多个决策规则，其中可以获得与所述至少一个决策规则相关联的结果; 并且至少部分地基于规则流信息，通过用户计算机接口显示多个决策规则的至少一部分。

公开(公告)号：US08108301B2

公开(公告)日：2012-01-31

申请号：US12257442

申请日：2008-10-24

申请人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

发明人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

IPC分类号： G06Q40/00

CPC分类号： G06N99/005 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025

摘要： The present invention relates to application processing and decisioning systems and processes. One embodiment of the invention includes a method for automating decisioning for a credit request associated with an applicant. The method includes providing a user computer interface adapted to receive information associated with an applicant, and further adapted to display and receive information associated with at least one decision rule. The method also includes receiving information associated with an applicant through the user computer interface; receiving information associated with the applicant from at least one data source; and receiving a selection of information associated with a plurality of decision rules through the user computer interface. Furthermore, the method includes receiving a selection of rule flow information associated with the plurality of decision rules through the user computer interface; generating a plurality of decision rules based at least in part on the information associated with the applicant, based at least in part on the information associated with the applicant from at least one data source, and based at least in part on the selection of information associated with a plurality of decision rules, wherein an outcome associated with the at least one decision rule can be obtained; and based in part on at least the rule flow information, displaying at least a portion of the plurality of decision rules through the user computer interface.

摘要翻译： 本发明涉及应用处理和决策系统和过程。 本发明的一个实施例包括一种用于自动决定与申请人相关联的信用请求的方法。 该方法包括提供适于接收与申请人相关联的信息的用户计算机接口，并且还适于显示和接收与至少一个决策规则相关联的信息。 该方法还包括通过用户计算机接口接收与申请人相关联的信息; 从至少一个数据源接收与申请人相关联的信息; 以及通过所述用户计算机接口接收与多个决策规则相关联的信息的选择。 此外，该方法包括通过用户计算机接口接收与多个决策规则相关联的规则流信息的选择; 至少部分地至少部分地基于与申请人相关联的信息从至少一个数据源生成多个决定规则，至少部分地基于与申请人相关联的信息，并且至少部分地基于与相关联的信息的选择 具有多个决策规则，其中可以获得与所述至少一个决策规则相关联的结果; 并且至少部分地基于规则流信息，通过用户计算机接口显示多个决策规则的至少一部分。

公开(公告)号：US20090112753A1

公开(公告)日：2009-04-30

申请号：US12257442

申请日：2008-10-24

申请人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

发明人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

IPC分类号： G06Q40/00

CPC分类号： G06N99/005 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025

摘要： The present invention relates to application processing and decisioning systems and processes. One embodiment of the invention includes a method for automating decisioning for a credit request associated with an applicant. The method includes providing a user computer interface adapted to receive information associated with an applicant, and further adapted to display and receive information associated with at least one decision rule. The method also includes receiving information associated with an applicant through the user computer interface; receiving information associated with the applicant from at least one data source; and receiving a selection of information associated with a plurality of decision rules through the user computer interface. Furthermore, the method includes receiving a selection of rule flow information associated with the plurality of decision rules through the user computer interface; generating a plurality of decision rules based at least in part on the information associated with the applicant, based at least in part on the information associated with the applicant from at least one data source, and based at least in part on the selection of information associated with a plurality of decision rules, wherein an outcome associated with the at least one decision rule can be obtained; and based in part on at least the rule flow information, displaying at least a portion of the plurality of decision rules through the user computer interface.

摘要翻译： 本发明涉及应用处理和决策系统和过程。 本发明的一个实施例包括一种用于自动决定与申请人相关联的信用请求的方法。 该方法包括提供适于接收与申请人相关联的信息的用户计算机接口，并且还适于显示和接收与至少一个决策规则相关的信息。 该方法还包括通过用户计算机接口接收与申请人相关联的信息; 从至少一个数据源接收与申请人相关联的信息; 以及通过所述用户计算机接口接收与多个决策规则相关联的信息的选择。 此外，该方法包括通过用户计算机接口接收与多个决策规则相关联的规则流信息的选择; 至少部分地至少部分地基于与申请人相关联的信息从至少一个数据源生成多个决定规则，至少部分地基于与申请人相关联的信息，并且至少部分地基于与相关联的信息的选择 具有多个决策规则，其中可以获得与所述至少一个决策规则相关联的结果; 并且至少部分地基于规则流信息，通过用户计算机接口显示多个决策规则的至少一部分。

公开(公告)号：US20090048999A1

公开(公告)日：2009-02-19

申请号：US12257453

申请日：2008-10-24

申请人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

发明人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

IPC分类号： G06N5/04 ,  G06Q40/00

CPC分类号： G06Q40/025 ,  G06N20/00 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q40/02

摘要： The present invention relates to application processing and decisioning systems and processes. One embodiment of the invention includes a method for automating decisioning for a credit request associated with an applicant. The method includes providing a user computer interface adapted to receive information associated with an applicant, and further adapted to display and receive information associated with at least one decision rule. The method also includes receiving information associated with an applicant through the user computer interface; receiving information associated with the applicant from at least one data source; and receiving a selection of information associated with a plurality of decision rules through the user computer interface. Furthermore, the method includes receiving a selection of rule flow information associated with the plurality of decision rules through the user computer interface; generating a plurality of decision rules based at least in part on the information associated with the applicant, based at least in part on the information associated with the applicant from at least one data source, and based at least in part on the selection of information associated with a plurality of decision rules, wherein an outcome associated with the at least one decision rule can be obtained; and based in part on at least the rule flow information, displaying at least a portion of the plurality of decision rules through the user computer interface.

公开(公告)号：US20070022027A1

公开(公告)日：2007-01-25

申请号：US10546931

申请日：2004-08-27

申请人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

发明人： Sandeep Gupta ,  Christian Hall ,  James Reid ,  Shen Lu ,  Dennis Horton ,  Lee Grice ,  Thresa Dixon ,  Scott Garten ,  Sudhakar Reddy

IPC分类号： G06Q40/00 ,  G06F7/00 ,  G06F17/00

CPC分类号： G06N99/005 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025

摘要： The present invention relates to application processing and decisioning systems and processes. One embodiment of the invention includes a method for automating decisioning for a credit request associated with an applicant. The method includes providing a user computer interface adapted to receive information associated with an applicant, and further adapted to display and receive information associated with at least one decision rule. The method also includes receiving information associated with an applicant through the user computer interface; receiving information associated with the applicant from at least one data source; and receiving a selection of information associated with a plurality of decision rules through the user computer interface. Furthermore the method includes receiving a selection of rule flow information associated with the plurality of decision rules through the user computer interface; generating a plurality of decision rules based at least in part on the information associated with the applicant, based at least in part on the information associated with the applicant from at least one data source, and based at least in part on the selection of information associated with a plurality of decision rules, wherein an outcome associated with the at least one decision rule can be obtained; and based in part on at least the rule flow information, displaying at least a portion of the plurality of decision rules through the user computer interface.

摘要翻译： 本发明涉及应用处理和决策系统和过程。 本发明的一个实施例包括一种用于自动决定与申请人相关联的信用请求的方法。 该方法包括提供适于接收与申请人相关联的信息的用户计算机接口，并且还适于显示和接收与至少一个决策规则相关联的信息。 该方法还包括通过用户计算机接口接收与申请人相关联的信息; 从至少一个数据源接收与申请人相关联的信息; 以及通过所述用户计算机接口接收与多个决策规则相关联的信息的选择。 此外，该方法包括通过用户计算机接口接收与多个决策规则相关联的规则流信息的选择; 至少部分地至少部分地基于与申请人相关联的信息从至少一个数据源生成多个决定规则，至少部分地基于与申请人相关联的信息，并且至少部分地基于与相关联的信息的选择 具有多个决策规则，其中可以获得与所述至少一个决策规则相关联的结果; 并且至少部分地基于规则流信息，通过用户计算机接口显示多个决策规则的至少一部分。