公开(公告)号：US08290857B1

公开(公告)日：2012-10-16

申请号：US13437723

申请日：2012-04-02

申请人： Cynthia Barie ,  Douglas Wicker ,  Michael Harrington ,  Alan McCrum ,  Holly Kuhs ,  Bobbie Zielonka ,  Berenice Huffner

发明人： Cynthia Barie ,  Douglas Wicker ,  Michael Harrington ,  Alan McCrum ,  Holly Kuhs ,  Bobbie Zielonka ,  Berenice Huffner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025

摘要： A method for one of approving and denying a credit offering to a borrower is disclosed. 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.

摘要翻译： 披露了向借款人批准和拒绝信贷提供的方法。 该方法包括计算借款人违约评级的概率，并计算借款人的违约评级损失。 该方法还包括将默认评级的可能性和与默认评级相关的损失与其他与信用发行相关的信息整合以产生信用备忘录，并自动向用户输出信用备忘录，以便用户可以推荐一个批准和拒绝 信贷发行。

公开(公告)号：US07797230B1

公开(公告)日：2010-09-14

申请号：US11143701

申请日：2005-06-02

申请人： Cynthia Barie ,  Douglas Wicker ,  Michael Harrington ,  Alan McCrum ,  Holly Kuhs ,  Bobbie Zielonka ,  Berenice Huffner

发明人： Cynthia Barie ,  Douglas Wicker ,  Michael Harrington ,  Alan McCrum ,  Holly Kuhs ,  Bobbie Zielonka ,  Berenice Huffner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025

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.

摘要翻译： 一种批准和拒绝向借款人提供信贷的方法。 该方法包括计算借款人违约评级的概率，并计算借款人的违约评级损失。 该方法还包括将默认评级的可能性和与默认评级相关的损失与其他与信用发行相关的信息整合以产生信用备忘录，并自动向用户输出信用备忘录，以便用户可以推荐一个批准和拒绝 信贷发行。

公开(公告)号：US08150765B1

公开(公告)日：2012-04-03

申请号：US12861523

申请日：2010-08-23

申请人： Cynthia Barie ,  Douglas Wicker ,  Michael Harrington ,  Alan McCrum ,  Holly Kuhs ,  Bobbie Zielonka ,  Berenice Huffner

发明人： Cynthia Barie ,  Douglas Wicker ,  Michael Harrington ,  Alan McCrum ,  Holly Kuhs ,  Bobbie Zielonka ,  Berenice Huffner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025

摘要： A method for one of approving and denying a credit offering to a borrower is disclosed. 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.