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SYSTEMS AND METHODS FOR IMPROVING PREDICTION OF FUTURE CREDIT RISK PERFORMANCES

机译:改进未来信用风险表现预测的系统和方法

摘要

Systems and methods are provided for improving prediction of credit risk performances of a plurality of consumers each consumer having a standard credit data file and score. According to a particular aspect a method determines changes in credit data files of the plurality of consumers during a predetermined period of time and combines change data with standard credit data. The method determines a set of credit elements that are predictive of credit risk performances of the plurality of customers by processing the combined change data and standard credit data and identifies an incremental risk value for each of the plurality of consumers by supplementing the corresponding credit data file with the predictive set of credit elements. The method further generates a flag indicative of the identified incremental risk value for each of the plurality of consumers.
机译:提供了用于改进对多个消费者的信用风险性能的预测的系统和方法,每个消费者具有标准的信用数据文件和分数。根据特定方面,一种方法确定在预定时间段内多个消费者的信用数据文件中的变化,并将变化数据与标准信用数据组合。该方法通过处理组合的变化数据和标准信用数据来确定一组可预测多个客户的信用风险表现的信用要素,并通过补充相应的信用数据文件来为多个消费者中的每个消费者标识增量风险值带有预测性的信用要素集。该方法还生成标志,该标志指示针对多个消费者中的每个消费者的识别出的增量风险值。

著录项

  • 公开/公告号IN2013DN08494A

    专利类型

  • 公开/公告日2014-12-19

    原文格式PDF

  • 申请/专利权人

    申请/专利号IN8494/DELNP/2013

  • 发明设计人 PODOSENOV ANDREW;SUI XUEBIN;ELLIS DAVID;

    申请日2013-09-30

  • 分类号G06Q20/24;G06Q20/42;

  • 国家 IN

  • 入库时间 2022-08-21 15:14:58

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