Methods and systems for automated inferred valuation of credit scoring
AssigneeGE Capital Commerical Finance, Inc.
InventorsChristopher Donald Johnson, Marc Thomas Edgar, Tim Kerry Keyes
Life of this patent
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Abstract
A method of inferring valuation of large groups of assets by credit scores includes the steps of organizing valuation scores, adjusting valuation scores based on special factors and business decisions, reconciling multiple valuation scores which describe the same assets and making an overall adjustment to override the inferred valuation. Individual asset values are developed and listed in tables so that individual asset values can be rapidly taken from the tables and quickly grouped for bidding purposes. The valuations are collected into a database, divided into categories by credit variable, subdivided by ratings as to those variables and then rated individually.
Claims30
A computer-implmented method for inferring valuations of credit scores onto assets in portfolios, said method implemented using the computer to perform the steps of:
- organizing valuation scores including developing an underwriting clusters table;
- adjusting valuation scores based on special factors and business decisions;
- reconciling multiple valuation scores which describe the same assets;
- and
- making an overall adjustment to override the inferred valuation.
A portfolio valuation system for inferring valuations of credit scores onto assets in portfolios, said system comprising:
- a computer configured as a server and further configured with a database of asset portfolios;
- and
- at least one client system connected to said server through a network, said server configured to organize valuation scores including developing an underwriting clusters table, adjust valuation scores based on special factors and business decisions, reconcile multiple valuation scores which describe the same assets and make overall adjustments to override inferred valuations.
A computer for inferring valuations of credit score onto assets in portfolios, said computer including a database of asset portfolios, said computer programmed to:
- organize valuation scores including developing an underwriting clusters table;
- adjust valuation scores based on special factors and business decisions;
- reconcile multiple valuation scores which describe the same assets;
- and
- make overall adjustments to override inferred valuations.
Dependencies are inferred from the claim text.