Equifax Inc.

James Reid

Sandeep Gupta

Matthew Turner

Lee Grice

Vijay Nagarajan

Lalithadevi Venkataramani

Sudhakar Reddy

Thresa Dixon

Rajesh Indurthivenkata

Christian Hall

Aparna Somaka

Matthew P Welsh

Xingjun Zhang

Bhawana Koshyari

Dennis Horton

Shen Lu

Scott Garten

Nandita Thakur

Danielle Samara

Naresh Chalimeda

Seong Geum

Paulina Galvez

Juan Maureira

Yolanda Head

Shannon M Cothran

Sharmistha Das

In some aspects, a model of a remote data source is defined. The model includes an entity representing a data segment from the remote data source. The entity has properties, which represent fields of a data structure in the remote data source and have data type descriptors indicating data types used by the fields. The model also includes an attribute specifying a function, which uses the properties as inputs. The entity is matched to exported data from the remote data source, and the exported data is used as input data to the attribute's function.

Building and managing data-processing attributes for modeled data sources

Certain aspects involve models for generating code executed on data-processing platforms. One example involves receiving an electronic data-processing model, which generates an analytical output from input attributes weighted with respective modeling coefficients. A target data-processing platform is identified that requires bin ranges for the modeling coefficients and reason codes for the input attributes. Modeling code is generated that implements the electronic data-processing model with the bin ranges and the reason codes. The processor outputs executable code that implements the electronic data-processing model.

Model integration tool

This disclosure involves development and deployment platforms for decision algorithms. For example, a computing system provides software development interface to a client device. The system sets, based on an input from the client device via the interface, a decision engine to a test mode that causes the decision engine to operate on test data stored in a first database and that prevents the decision engine from applying operations from the client device to production data stored in a second database. The system also configures the decision engine in the test mode to execute a different decision algorithms on the test data. The system also sets, based on another input via the interface, the decision engine to a deployment mode that causes the decision engine to operate on the production data. The system configures the decision engine in the deployment mode to execute one or more of the tested decision algorithms.

Software development platform for testing and modifying decision algorithms

Certain aspects involve building and debugging models for generating source code executed on data-processing platforms. One example involves receiving an electronic data-processing model, which generates an analytical output from input attributes weighted with respective modeling coefficients. A target data-processing platform is identified that requires bin ranges for the modeling coefficients and reason codes for the input attributes. Bin ranges and reason codes are identified. Modeling code is generated that implements the electronic data-processing model with the bin ranges and the reason codes. The processor outputs source code, which is generated from the modeling code, in a programming language used by the target data-processing platform.

In some aspects, an interface is provided that has options for defining entities and attributes. A model of a remote data source is defined based on inputs received via the interface. The model includes an entity representing a data segment from the remote data source. The entity has properties, which represent fields of a data structure in the remote data source and have data type descriptors indicating data types used by the fields. The model also includes an attribute specifying a function, which uses the properties as inputs. The entity is matched to exported data from the remote data source. The match is performed based on the exported data elements being arranged in a hierarchy corresponding to the properties and the data elements having the data types corresponding to the data type descriptors. The attribute's function is executed using, as input data, the data elements mapped to the properties.

Certain aspects involve building and debugging models for generating source code executed on data-processing platforms. A target data-processing platform is identified that requires bin ranges for modeling coefficients and reason codes for input attributes. A processor outputs source code, which is generated from a modeling code, in a programming language used by the target data-processing platform.

Using natural language-like user inputs to provide statistics on a subset of data is described. In one embodiment, a user input that includes at least one word or phrase representing a rule is received. The rule includes an identification of a subset of data and a statistical expression to be performed on the subset of data. The subset of data includes at least part of the data elements of a data set. Each data element includes information on an individual or group. Instructions are provided for translating the rule into an executable format. The executable format includes a translated identification of the subset and a translated statistical expression. The subset of the data is accessed using the translated identification of the subset. The translated statistical expression is executed to obtain statistics on data elements of the subset of data. The statistics on the data elements are provided.

Systems and methods for managing statistical expressions

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.

Application processing and decision systems and processes

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.

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Cumming, GA, United States of America

James Reid