- 专利标题： Algorithm and models for creditworthiness based on user entered data within financial management application
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申请号： US14170460申请日： 2014-01-31
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公开(公告)号： US11037236B1公开(公告)日： 2021-06-15
- 发明人: Siddharth Ram , Richard N. Preece , Joseph Timothy Callinan, Jr. , Kathy Tsitovich , Eva Diane Chang , Madhu Shalini Iyer
- 申请人： Siddharth Ram , Richard N. Preece , Joseph Timothy Callinan, Jr. , Kathy Tsitovich , Eva Diane Chang , Madhu Shalini Iyer
- 申请人地址： US CA Menlo Park; US CA San Diego; US CA Campbell; US CA Mountain View; US CA Mountain View; US CA Fremont
- 专利权人： Siddharth Ram,Richard N. Preece,Joseph Timothy Callinan, Jr.,Kathy Tsitovich,Eva Diane Chang,Madhu Shalini Iyer
- 当前专利权人： Siddharth Ram,Richard N. Preece,Joseph Timothy Callinan, Jr.,Kathy Tsitovich,Eva Diane Chang,Madhu Shalini Iyer
- 当前专利权人地址： US CA Menlo Park; US CA San Diego; US CA Campbell; US CA Mountain View; US CA Mountain View; US CA Fremont
- 代理机构： Ferguson Braswell Fraser Kubasta PC
- 主分类号： G06Q20/40
- IPC分类号： G06Q20/40 ; G06N20/20 ; G06Q40/02
摘要：
A method for modeling risk of a derogatory financial event. The method includes generating a risk profile of a small business (SMB) using a risk model based on accounting data and other third party business management application (BMA) data of the SMB. In particular, the risk model is generated using a training data set that includes accounting data and other third party BMA data of multiple SMBs over particular time periods related to historic derogatory events (e.g., to be delinquent and/or to default on a loan) of these SMBs. Generated using the risk model, the risk profile of the SMB represents the likelihood of a derogatory financial event occurring to the SMB.
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