Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Patent
1997-08-19
2000-08-29
Trammell, James P.
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
705 35, 705 36, 706 60, 706 61, 706 47, 706 50, G06F 1700, G06F 1730
Patent
active
061121908
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.
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Bhat Sandeep
Didner Ira
Fletcher Bruce Alan
Freundlich Yehudah
Kolodziejski Richard
Citibank N.A.
Marcou George T.
Nguyen Cuong H.
Trammell James P.
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