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|United States Patent||6,112,190|
|Fletcher , et al.||August 29, 2000|
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.
|Inventors:||Fletcher; Bruce Alan (Darien, CT), Bhat; Sandeep (Rego Park, NY), Didner; Ira (Bellerose, NY), Freundlich; Yehudah (Brooklyn, NY), Kolodziejski; Richard (Deer Park, NY), Schoder; Joseph (Ardsley, NY), Ronen; Yagil (New York, NY)|
|Filed:||August 19, 1997|
|Current U.S. Class:||705/36R ; 705/35; 706/47; 706/50; 706/60; 706/61|
|Current International Class:||G06Q 40/00 (20060101); G06F 017/00 (); G06F 017/30 ()|
|Field of Search:||705/3,38,35,40,10,36,44,39,4,26,37 706/45,59-60,11,46-47,17,16,61,10,50|
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|WO 96/30850||Oct., 1996||WO|
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