Consumer behaviors at lender level
AssigneeAmerican Express Travel Related Services Company, Inc.
InventorsKathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
Life of this patent
Estimating the term…
Abstract
The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.
Claims20
An account default prediction method comprising:
- determining, by a computer based system for account default prediction comprising a processor and a tangible, non-transitory memory, first insufficiencies associated with loans made by a first lender;
- determining, by the computer based system, second insufficiencies associated with loans made by a second lender;
- creating, by the computer based system, an insufficiency ranking of the first lender and the second lender based upon the first insufficiencies and the second insufficiencies;
- determining, by the computer based system, that a consumer is associated with at least one of the first lender and the second lender;
- creating, by the computer based system, a risk index based upon the insufficiency ranking;
- and
- calculating, by the computer based system, an account default prediction based upon the risk index.
An article of manufacture including a computer readable medium having instructions stored thereon that, in response to execution by a computing device for account default prediction, cause the computing device to perform operations comprising:
- determining, by the computing device, first insufficiencies associated with loans made by a first lender;
- determining, by the computing device, second insufficiencies associated with loans made by a second lender;
- creating, by the computing device, an insufficiency ranking of the first lender and the second lender based upon the first insufficiencies and the second insufficiencies;
- determining, by the computing device, that a consumer is associated with at least one of the first lender and the second lender;
- creating, by the computing device, a risk index based upon the insufficiency ranking;
- and
- calculating, by the computing device, an account default prediction based upon the risk index.
A system comprising:
- a tangible, non-transitory memory communicating with a processor for account default prediction, said tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor to perform operations comprising:
- determining, by the processor, first insufficiencies associated with loans made by a first lender;
- determining, by the processor, second insufficiencies associated with loans made by a second lender;
- creating, by the processor, an insufficiency ranking of the first lender and the second lender based upon the first insufficiencies and the second insufficiencies;
- determining, by the processor, that a consumer is associated with at least one of the first lender and the second lender;
- creating, by the processor, a risk index based upon the insufficiency ranking;
- and
- calculating, by the processor, an account default prediction based upon the risk index.
Dependencies are inferred from the claim text.