Attribute Toolbox for Multi-Source Data Aggregation
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Solution Overview
Problem
Current systems face challenges in developing, managing, and deploying attributes across multiple data sources with different formats, requiring tedious filter development, extensive testing, and significant time for complex attribute calculations, especially when handling credit and non-credit data.
Innovation Solution
The Attribute Toolbox (ATB) system architecture, comprising an ATB User Interface (UI) and ATB Engine System, allows for the creation, management, and calculation of attributes through a platform-independent UI, enabling users to edit, validate, and deploy attributes across multiple data sources with a graphical interface, reducing manual configuration and enhancing scalability.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If manual filter development and attribute calculation is used across multiple data sources, then flexibility in handling different data formats is achieved, but development time and complexity increase significantly
Solution Approach 1:
The patent implements a universal attribute definition framework that can handle multiple data sources with different formats through a single standardized interface. The system defines attributes in a platform-independent manner, allowing the same attribute definition to work across credit bureaus, internal databases, and external data sources without requiring separate filter development for each source.
Solution Approach 2:
The patent introduces an intermediary layer consisting of data access objects and attribute calculation engines that mediate between the attribute definitions and the various data sources. This intermediary framework translates standardized attribute requests into source-specific queries, eliminating the need for manual filter development for each data source while maintaining flexibility.
2Reliability
If extensive testing and validation is performed for attribute calculations, then accuracy and reliability improve, but time consumption and resource usage increase
Solution Approach 1:
The patent implements preliminary validation rules and data quality checks that are built into the attribute calculation framework before actual calculations are performed. The system pre-validates data sources, checks attribute definitions for consistency, and establishes validation rules in advance, reducing the need for extensive post-calculation testing while maintaining high accuracy.
3Measurement precision
If complex attribute calculations are performed on multiple data sources, then comprehensive risk evaluation is achieved, but processing speed and efficiency decrease
Solution Approach 1:
The patent segments the attribute calculation process into independent, modular components that can be executed in parallel. The system divides complex attribute calculations into smaller sub-attributes and calculation steps, allowing simultaneous processing across multiple data sources without requiring sequential execution, thereby maintaining comprehensive evaluation while improving processing speed.
Data Source
AI summary
Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.