US 6,556,979 B1 · Method and system for identifying consumer credit revolvers with neural network time series segmentation

Abstract

Initially, customer time series credit files are acquired. The credit files are organized in a data mart environment for supporting a query system. Time series utilization attributes are created and a neural network time series segmentation process is applied and N×N dimension segments are generated for analysis. The chart may be modified to more accurately depict profitable credit revolvers. Credit data from each potential new customer is processed in a similar fashion by the neural network segmentation process. Profitable credit revolvers are identified by having credit utilization patterns belonging to profitable segments previously identified.

Claims27

Dependent claims

A data processing system implemented method for identifying a profitable credit revolver:

receiving credit history data for a creditor;
processing the credit history data using neural network time series segmentation;
receiving a time series credit utilization pattern for the creditor, wherein the time series credit utilization pattern is representative of the credit history for the creditor;
and
comparing the time series credit utilization pattern for the creditor to a plurality of time series credit utilization patterns.

2 more elements

Dependencies are inferred from the claim text.

Method and system for identifying consumer credit revolvers with neural network time series segmentation

Life of this patent

Method and system for identifying consumer credit revolvers with neural network time series segmentation

Life of this patent

Abstract

Claims27