Systems and methods to facilitate analysis of commercial credit customers
OwnerCharles J. Littyinventor
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Abstract
Systems and methods are provided to facilitate analysis of commercial credit customers. According to one embodiment, customer information associated with a commercial credit customer is determined, at least some of the customer information being associated with a plurality of commercial credit accounts. Risk information associated with the customer is then generated by applying at least one of a plurality of risk models to the customer information. A list of high risk customers may then be created based on the risk information.
Claims19
A method for facilitating analysis of a commercial credit customer, comprising:
- determining customer information associated with the commercial credit customer, at least some of the customer information being associated with a plurality of commercial credit accounts;
- and
- generating risk information associated with the customer by applying at least one of a plurality of risk models to the customer information.
An apparatus, comprising:
- a processor;
- and
- a storage device in communication with said processor and storing instructions adapted to be executed by said processor to:
- determine customer information associated with a commercial credit customer, at least some of the customer information being associated with a plurality of commercial credit accounts, and
- generate risk information associated with the customer by applying at least one of a plurality of risk models to the customer information.
A medium storing instructions adapted to be executed by a processor to perform a method for facilitating analysis of a commercial credit customer, said method comprising:
- determining customer information associated with the commercial credit customer, at least some of the customer information being associated with a plurality of commercial credit accounts;
- and
- generating risk information associated with the customer by applying at least one of a plurality of risk models to the customer information.
A method of facilitating commercial credit customer analysis, comprising:
- identifying a set of historical customers, each historical customer being associated with at least one commercial credit account;
- performing a segmentation analysis to determine customer segments;
- identifying potential variables;
- performing univariate analysis on the potential variables to identify potentially predictive variables;
- performing multivariate analysis on the potentially predictive variables to select most predictive variables;
- establishing risk models using the most predictive variables for each customer segment;
- and
- for a plurality of active customers, periodically:
- retrieving internal account data associated with the active customers,
- receiving external customer data associated with the active customers,
- identifying a subset of the active customers based on the risk models, internal account data, and external customer data, and
- transmitting a notification associated with the subset of active customers to at least one risk manager via a communication network.
Dependencies are inferred from the claim text.