Expert system for automatic authorization of deficits

The authors have designed an expert system for the automated granting of overdrafts in banking entities. The system handles three basic parameters for each client: economic solvency, payment capacity, and guarantees for the recovery of the overdraft. The system is flexible, which means that it is easy to modify or to incorporate rules in the knowledge base. The system is automatic, so there is no need for any human intervention in the decision-making process. All the information necessary is taken from the banking entity´s information services network. The system performs a personalized treatment of the operations between the client and the bank, based on heuristics, just as an expert human would.