Patent ID: 7860782

Claim:
A system comprising: a first computer located at a client site, the first computer comprising one or more memory storage areas and one or more processors, the one or more processors configured to: run a design module permitting a user to define a set of one or more attributes and one or more decision rules, wherein the set of one or more attributes and one or more decision rules are to be applied to a data provider's data comprising a plurality of data records corresponding respectively to a plurality of consumer data profiles; and transmit the set of one or more attributes and one or more decision rules to a second computer located at the data provider's site; and the second computer comprising one or more memory storage areas and one or more processors, the one or more processors configured to: receive the set of one or more attributes and one or more decision rules; run an execution engine applying the set of one or more attributes and one or more decision rules to a portion of the data provider's data; identify a plurality of data records corresponding respectively to a plurality of consumer data profiles from the data provider's data satisfying the set of one or more attributes and one or more decision rules; generate result data based on the plurality of data records from the data provider's data satisfying the set of one or more attributes and one or more decision rules, wherein the result data (a) comprises at least a portion of each data record of the plurality of data records from the data provider's data satisfying the set of one or more attributes and one or more decision rules, and (b) does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations; and transmit the result data to the first computer.