发明申请
- 专利标题: Adjusted Net Income
- 专利标题(中): 调整后的净收入
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申请号: US11848963申请日: 2007-08-31
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公开(公告)号: US20090063311A1公开(公告)日: 2009-03-05
- 发明人: Thayer S. Allison, JR. , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt Newman
- 申请人: Thayer S. Allison, JR. , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt Newman
- 申请人地址: US NC Charlotte
- 专利权人: BANK OF AMERICA CORPORATION
- 当前专利权人: BANK OF AMERICA CORPORATION
- 当前专利权人地址: US NC Charlotte
- 主分类号: G06Q40/00
- IPC分类号: G06Q40/00 ; G06F17/40
摘要:
Techniques for enhanced assessment of the business value of an account and/or customer are disclosed. An adjusted net income value outputted by a system may be used by a financial institution, such as a bank, mortgage broker, lender, or credit card company, to better assess the business value and/or profitability of an account. For accounts that are delinquent at the end of an observation period, the adjusted net income value is equal to the net income minus the percentage of the past due balance that is predicted to get charged off. The percentage of the past due balance that is predicted to get charged off relates to the number of days the account has been delinquent.