US 2022/0101342 A1 · RISK/REWARD SCORING IN TRANSACTIONAL RELATIONSHIPS

Abstract

Systems and methods for risk/reward scoring in transactional relationships are disclosed and generally comprise entrant traits, entrant factors, entrant outcomes, predictive modeling, and subscriber and application-specific modeling and scoring with enforced anonymity and data privacy rules. A risk/reward scoring system may comprise a two-tier modeling and scoring architecture wherein a first tier comprises a platform predictive intelligence model and a second tier comprises an application models tier. The first tier can output a platform predictive intelligence entrant vector based on a statistical, probabilistic and predictive intelligence comprised in a majority or all of the entrant traits, entrant factors and entrant outcomes encompassing a plurality of risk/reward scoring applications. The second tier can output statistical, probabilistic and predictive outcomes providing a risk/reward score comprising evaluative considerations and measures useful in evaluating an application-specific potential transaction in view of the entity presenting the transaction opportunity.

Claims15

Dependent claims

A scoring system comprising:

one or more servers comprising one or more processors and configured to communicate over a communications network and communicate with a subscriber system, wherein the subscriber system comprises one or more processors and is configured to communicate over a communications network and communicate with the scoring system;
one or more databases accessible by the one or more servers, wherein the one or more databases comprise a plurality of entrant feature profiles representing entrants in the scoring system, wherein an entrant feature profile comprises facts and/or behavioral traits concerning an entrant, and entrant outcomes, wherein entrant outcomes comprise previous actions and/or results of transactional relationships of the entrant;
a machine learning based modeler configured to generate a model modeling a relationship between entrant features and entrant outcomes for a plurality of entrants;
and
a scoring engine configured to generate a score for an entrant based on at least a portion of the entrant feature profile of the entrant and the model, wherein the score is a measure of potential outcomes, wherein the subscriber system can request and/or receive a score for an entrant from the scoring system.

2 more elements

A method for generating a score for an entrant for a potential transaction, the method comprising:

providing a scoring system comprising:
one or more servers comprising one or more processors and configured to communicate over a communications network and communicate with a subscriber system, wherein the subscriber system comprises one or more processors and is configured to communicate over a communications network and communicate with the scoring system;
one or more databases accessible by the one or more servers, wherein the one or more databases comprise a plurality of entrant feature profiles representing entrants in the scoring system, wherein an entrant feature profile comprises facts and/or behavioral traits concerning an entrant, and entrant outcomes, wherein entrant outcomes comprise previous actions and/or results of transactional relationships of the entrant;
a machine learning based modeler configured to generate a model modeling a relationship between entrant features and entrant outcomes for a plurality of entrants;
and
a scoring engine configured to generate a score for an entrant based on at least a portion of the entrant feature profile of the entrant and the model, wherein the score is a measure of potential outcomes, wherein the subscriber system can request and/or receive a score for an entrant from the scoring system;
generating a model modeling a relationship between entrant features and entrant outcomes for a plurality of entrants;
receiving a request from the subscriber system to score an entrant having an entrant feature profile comprised by the one or more databases;
generating a score for the entrant based at least on a portion of the entrant feature profile of the entrant and the model.
sending the score in to the subscriber.

7 more elements

Dependencies are inferred from the claim text.

Risk/reward scoring in transactional relationships

Life of this patent

Risk/reward scoring in transactional relationships

Life of this patent

Abstract

Claims15