Patent ID: 8744891
Filing Date: 2014-06-03
Classification: G06Q

Abstract:
1. A non-transitory computer-readable medium including instructions that, when performed by a computer, cause the computer to: access at least one underwriting business rule related to the determined subject, wherein the at least one underwriting business rule includes a conditional statement for the associated financial underwriting action and determines what information is required to resolve a underwriting business decision; deconstruct the at least one underwriting business rule into a compound condition and the associated financial underwriting action, wherein the compound condition includes at least two conditions that must be true to perform the associated financial underwriting action; determine a set of questions relevant to the compound condition, including determining a phrasing of each question within the set of questions based on an anticipated use of information gathered from the set of questions wherein the anticipated use is related to the associated financial underwriting action; place the set of questions into a question queue; order the question queue, wherein the order includes presenting a disqualifying question within the set of questions prior to presenting the remaining questions within the set of questions; organize a decision tree based on the order of the question queue; access the decision tree, wherein the decision tree includes a number of nodes and the nodes represent the set of questions, including a first question as a root node and a plurality of terminal questions as leaf nodes; determine a current node of the decision tree, wherein the current node corresponds with a current question presented to the user; determine an estimated number of nodes between the current node and a leaf node to present to the user, wherein instructions to determine the estimated number of nodes between the current node and the leaf node is determined by a most probabilistic path from the current node to a most probabilistic leaf node and counts the number of edges between the current node and the most probabilistic leaf node; and validate a response to the current question from the user.