Sandeep Gupta

US Patent:

7970698, Jun 28, 2011

Filed:

Aug 27, 2004

Appl. No.:

10/546931

Inventors:

Sandeep Gupta - Alpharetta GA, US
Christian Hall - Canton GA, US
James Reid - Alpharetta GA, US
Shen Lu - Duluth GA, US
Dennis Horton - Buford GA, US
Lee Grice - Cumming GA, US
Thresa Dixon - Canton GA, US
Scott Garten - Canton GA, US
Sudhakar Reddy - Suwanee GA, US

Assignee:

Equifax, Inc. - Atlanta GA

International Classification:

G06Q 40/00

US Classification:

705 38, 705 39

Abstract:

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.

US Patent:

8108301, Jan 31, 2012

Filed:

Oct 24, 2008

Appl. No.:

12/257442

Inventors:

Sandeep Gupta - Alpharetta GA, US
Christian Hall - Canton GA, US
James Reid - Alpharetta GA, US
Shen Lu - Duluth GA, US
Dennis Horton - Buford GA, US
Lee Grice - Cumming GA, US
Thresa Dixon - Canton GA, US
Scott Garten - Canton GA, US
Sudhakar Reddy - Suwanee GA, US

Assignee:

Equifax, Inc. - Atlanta GA

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 39

Abstract:

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.

US Patent:

20070179827, Aug 2, 2007

Filed:

Aug 27, 2004

Appl. No.:

10/928782

Inventors:

Sandeep Gupta - Alpharetta GA, US
Christian Hall - Canton GA, US
James Reid - Cumming GA, US
Shen Lu - Duluth GA, US
Dennis Horton - Buford GA, US
Lee Grice - Cumming GA, US
Thresa Dixon - Canton GA, US
Scott Garten - Canton GA, US
Sudhakar Reddy - Alpharetta GA, US

International Classification:

G05B 19/418
G06F 9/46

US Classification:

705008000

Abstract:

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.

US Patent:

20090044096, Feb 12, 2009

Filed:

Aug 6, 2008

Appl. No.:

12/186682

Inventors:

Sandeep Gupta - Alpharetta GA, US
James R. Reid - Cumming GA, US
Matthew P. Welsh - Lawrenceville GA, US
Shannon M. Cothran - Cumming GA, US
Sharmistha Das - Alpharetta GA, US

International Classification:

G06F 17/24

US Classification:

715230

Abstract:

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.

US Patent:

20090048999, Feb 19, 2009

Filed:

Oct 24, 2008

Appl. No.:

12/257453

Inventors:

Sandeep Gupta - Alpharetta GA, US
Christian Hall - Canton GA, US
James Reid - Alpharetta GA, US
Shen Lu - Duluth GA, US
Dennis Horton - Bufford GA, US
Lee Grice - Cumming GA, US
Thresa Dixon - Canton GA, US
Scott Garten - Canton GA, US
Sudhakar Reddy - Suwanee GA, US

International Classification:

G06N 5/04
G06Q 40/00

US Classification:

706 47, 705 38

Abstract:

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.