Financial services data model

US8538840B2 · kind B2 · utility

Assignee

• Siebel Systems, Inc. · US

Inventors

• Cynthia Chan · San Jose, US
• Chiun-Feng Hsiao · Belmont, US
• Hwee Har Yeap · San Mateo, US
• Yi Yang · San Jose, US
• Lindy H. Chan · Elk Grove, US
• Jing Gu · Shanghai, CN
• Caroline Muralitharan · San Jose, US
• Nardo B. Catahan, Jr. · Mill Valley, US
• Blair Wheadon · North Vancouver, CA
• Edward Ming Chao · Fremont, US
• Agnes Le Yuan Hong · San Mateo, US

Key dates

• Filing date: May 8, 2003
• Grant date: Sep 17, 2013
• Expiry date: Jan 28, 2027

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A data model that allows for relationships between entities, also referred to as parties, to be modeled as attributes of an entity and for customization of the data model in a manner that facilitates upgrading of the data model. In some embodiments, the data model may facilitate creation and processing of financial applications. Using the data model, received application data can be stored in a financial application record, including data relating to a party's financial statements. In some embodiments, the data model may facilitate management of financial account data for multiple accounts. In some embodiments the data model may facilitate management of credit information, such as credit information collected by credit bureaus.