Lee W Grice

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:

20070022027, Jan 25, 2007

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 - Dulruth GA, US
Dennis Horton - Buford GA, US
Lee Grice - Cumming GA, US
Thresa Dixon - Canton GA, US
Scott Garten - Canton GA, US
Sudhakar Reddy - Surwanee GA, US

International Classification:

G06Q 40/00
G06F 7/00
G06F 17/00

US Classification:

705035000, 707100000

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:

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.

US Patent:

20220368704, Nov 17, 2022

Filed:

Jul 22, 2022

Appl. No.:

17/814451

Inventors:

- Atlanta GA, US
Rakesh PATEL - Smyma GA, US
John MULLINAX - Cumming GA, US
Troy COLE - Moseley VA, US
Julio FARACH - Atlanta GA, US
Lee GRICE - Auburn AL, US
Patrick WADKINS - Dunwoody GA, US
Erik STRONG - Doraville GA, US
Cordell BOYNES - Lawrenceville FA, US

International Classification:

H04L 9/40
G06F 16/23
G06F 21/62
G06Q 20/40
G06Q 40/02

Abstract:

In some aspects, a computing system can generate entity links between a primary entity object identifying a primary entity for multiple accounts and secondary entity objects identifying secondary entities from the accounts. The computing system can determine a rate at which secondary users change on the accounts. The computing system can update, based on the determined rate, the primary entity object to include a fraud-facilitation flag. The computing system can also service a query from a client system regarding a presence of a fraud warning for a target consumer associated with a consumer system that accesses a service provided with the client system. For instance, the computing system can generate a fraud warning based on the target consumer being identified in a secondary entity object associated with the primary entity object having the fraud-facilitation flag. The computing system can transmit the fraud warning to the client system.

US Patent:

20200145436, May 7, 2020

Filed:

Jun 29, 2018

Appl. No.:

16/623699

Inventors:

- Atlanta GA, US
Rakesh PATEL - Smyrna GA, US
John MULLINAX - Cumming GA, US
Troy COLE - Moseley VA, US
Julio FARACH - Atlanta GA, US
Lee GRICE - Auburn AL, US
Patrick WADKINS - Dunwoody GA, US
Erik STRONG - Doraville GA, US
Cordell BOYNES - Lawrenceville GA, US

International Classification:

H04L 29/06
G06F 21/62
G06F 16/23
G06Q 20/40
G06Q 40/02

Abstract:

In some aspects, a computing system can generate entity links between a primary entity object identifying a primary entity for multiple accounts and secondary entity objects identifying secondary entities from the accounts. The computing system can determine a rate at which secondary users change on the accounts. The computing system can update, based on the determined rate, the primary entity object to include a fraud-facilitation flag. The computing system can also service a query from a client system regarding a presence of a fraud warning for a target consumer associated with a consumer system that accesses a service provided with the client system. For instance, the computing system can generate a fraud warning based on the target consumer being identified in a secondary entity object associated with the primary entity object having the fraud-facilitation flag. The computing system can transmit the fraud warning to the client system.

US Patent:

20180189680, Jul 5, 2018

Filed:

Feb 22, 2018

Appl. No.:

15/903001

Inventors:

- Atlanta 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

International Classification:

G06N 99/00
G06Q 40/02
G06Q 20/10
G06Q 40/00

Abstract:

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.