Patent ID: 8108301

Claim:
A method for accessing a plurality of data sources for decisioning a credit request associated with an applicant, comprising: configuring, by a server device processor executing code stored on a computer-readable storage device, a user interface for display on a client device, the user interface being configured to allow a client to input applicant identification information using the client device and to allow the client to specify a decision flow and to specify at least one decision rule in a near-natural language using a selectable menu provided on the user interface, the applicant identification information comprising at least one data element representing an identification of the applicant, the decision flow comprising at least one of a flow element, a decision block, or a flow path; receiving the applicant identification information through the user interface; receiving the at least one decision rule in the near-natural language through the user interface; responsive to receiving the applicant identification information through the user interface configured by the server device processor, extracting, by the server device processor, applicant data from at least one data source of the plurality of data sources, the applicant data being associated with the applicant; responsive to receiving the at least one decision rule in the near-natural language through the user interface, defining, by the server device processor, a rule in an executable format using the at least one decision rule in the near-natural language; applying, by the server device processor, in accordance with the decision flow the rule in the executable format to the applicant data extracted from the at least one data source of the plurality of data sources to determine a credit outcome for the applicant data; configuring, by the server device processor, the user interface to include the credit outcome for the applicant data for display on the client device; and configuring, by the server device processor, the user interface to allow the client to modify the at least one decision rule in the near-natural language after receiving the credit outcome.