发明授权
- 专利标题： Systems and methods for credit management risk rating and approval
- 专利标题（中）： 信用管理风险评估和审批制度和方法
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申请号： US11143701申请日： 2005-06-02
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公开(公告)号： US07797230B1公开(公告)日： 2010-09-14
- 发明人: Cynthia Barie , Douglas Wicker , Michael Harrington , Alan McCrum , Holly Kuhs , Bobbie Zielonka , Berenice Huffner
- 申请人： Cynthia Barie , Douglas Wicker , Michael Harrington , Alan McCrum , Holly Kuhs , Bobbie Zielonka , Berenice Huffner
- 申请人地址： US PA Pittsburgh
- 专利权人： The PNC Financial Services Group, Inc.
- 当前专利权人： The PNC Financial Services Group, Inc.
- 当前专利权人地址： US PA Pittsburgh
- 代理机构： K&L Gates LLP
- 主分类号： G06Q40/00
- IPC分类号： G06Q40/00
摘要：
A method for one of approving and denying a credit offering to a borrower. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum and automatically outputting the credit memorandum to a user so that the user can recommend one of approval and denial of the credit offering.
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