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Algorithm and models for creditworthiness based on user entered data within financial management application

机译：基于用户在财务管理应用程序中输入数据的信誉算法和模型

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摘要

A method for modeling risk of a derogatory financial event. The method includes generating a risk profile of a small business (SMB) using a risk model based on accounting data and other third party business management application (BMA) data of the SMB. In particular, the risk model is generated using a training data set that includes accounting data and other third party BMA data of multiple SMBs over particular time periods related to historic derogatory events (e.g., to be delinquent and/or to default on a loan) of these SMBs. Generated using the risk model, the risk profile of the SMB represents the likelihood of a derogatory financial event occurring to the SMB.

机译：一种建模贬损财务事件风险的方法。该方法包括使用基于计费数据和SMB的其他第三方业务管理应用程序（BMA）数据的风险模型生成小型企业（SMB）的风险简介。特别地，使用培训数据集生成风险模型，该训练数据集包括在与历史贬损事件相关的特定时间段（例如，违反和/或贷款违约）的特定时间段的多个SMB的其他第三方BMA数据这些SMB。使用风险模型生成，SMB的风险概况代表了SMB发生的贬义财务事件的可能性。

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公开/公告号US11037236B1

专利类型
公开/公告日2021-06-15

原文格式PDF
申请/专利权人 SIDDHARTH RAM;RICHARD N. PREECE;JOSEPH TIMOTHY CALLINAN JR.;KATHY TSITOVICH;EVA DIANE CHANG;MADHU SHALINI IYER;
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申请/专利号US201414170460
发明设计人 SIDDHARTH RAM;RICHARD N. PREECE;JOSEPH TIMOTHY CALLINAN JR.;KATHY TSITOVICH;EVA DIANE CHANG;MADHU SHALINI IYER;
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申请日2014-01-31
分类号G06Q20/40;G06N20/20;G06Q40/02;
国家 US
入库时间 2022-08-24 19:19:29

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