초록 ▼

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 impr

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.

대표청구항 ▼

[ What is claimed is:] [53.] A method for processing an application comprising:entering applicant data into a processing system;organizing the applicant data into formatted data by the processing systemgenerating preliminary results by the processing system;forwarding the preliminary results to an e

[ What is claimed is:] [53.] A method for processing an application comprising:entering applicant data into a processing system;organizing the applicant data into formatted data by the processing systemgenerating preliminary results by the processing system;forwarding the preliminary results to an expert analysis system comprised of an evidence tree;accessing at least one database to obtain additional data;generating second results by the expert system based upon the formatted data, preliminary results and the additional data using the evidence tree containing a plurality of nodes and factors and at least one of the following techniques:propagating a value from a first node or a first factor to a second node;propagating a weighted value from a third node or a second factor to a fourth node;forwarding the results to the processing system; andproducing documents necessary to manage a financial transaction by the processing system wherein some of the results from the expert analysis system are contained in the documents.