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AssigneeBank of America Corporation
InventorsYanghong Shao, Debashis Ghosh, Thayer S. Allison, Jr., Mark V. Krein, David Joa, Kurt D. Newman, Timothy J. Bendel, Sudeshna Banerjee
Estimating the term…
In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods. In one embodiment, the systems, methods, and computer program products are configured to predict lateness characteristics of a lending portfolio.
An apparatus comprising:
A method comprising:
An apparatus comprising:
A method comprising:
A computer program product comprising a non-transitory computer readable medium having computer executable program code stored therein, wherein the computer executable program code comprises:
Dependencies are inferred from the claim text.