ASP business decision engine

US7734522B2 · kind B2 · utility

Assignee

• Fair Isaac Corporation · US

Inventors

• Gregory A. Johnson · Colorado Springs, US
• Susan A. Sperl · Stillwater, US
• Jeff Klepfer · St. Louis Park, US
• Raffi M. Kassarjian · San Francisco, US
• Gregory S. Capella · Petaluma, US
• Rachel C. Asch · Petaluma, US
• Peter Robert Jones · Petaluma, US
• Leonard E. Look · Corona, US

Key dates

• Filing date: Jan 9, 2008
• Grant date: Jun 8, 2010
• Expiry date: Jan 9, 2028

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/04
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A decision engine is provided that integrates all components of a credit application process, including access to and manipulation of credit bureau data, credit scoring, credit decisioning, and matching the correct products, into a single application service provider (ASP) platform which is accessible through a series of Application Programming Interfaces (APIs).