System and method for aggregating and analyzing financial data
US10896462B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 5, 2019 |
| Grant date | Jan 19, 2021 |
| Priority date | — |
| Expiry date | Jul 17, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/128
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A computer-implemented system for aggregating and analyzing financial and other data for creating reports and decisions in real-time is provided. The system includes a first computer for sending an order, a server for receiving the order and sending an order communication, a second computer for receiving the order communication and transmitting account information, and an account server having at least one non-relational database containing transaction data related to a requester. A data relevancy engine operable on the server aggregates, analyzes, and performs calculations using the transaction data to generate reports based on one or more rules or rulesets. Each rule is created via a relational query directed at at least one of the one or more non-relational databases or at other existing rules. The system also provides an approved determination or a denied determination in response to a request for credit, other financing, a new account, insurance, or a lease.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.