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公开(公告)号：US08027894B2
公开(公告)日：2011-09-27
申请号：US11966820
申请日：2007-12-28
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/12
摘要： A request to generate a consolidation risk score that characterizes a likelihood of a change in a level of creditworthiness of an individual following a consolidation of debt of the individual using a secured line of credit is received. Thereafter, future credit balance increases are estimated for the individual using a predictive model trained using historical creditworthiness data of a plurality of consolidators. These estimated future balance increases are then associated with a consolidation risk score so that such score can be provided. Related apparatus, systems, techniques, and articles are also described.
摘要翻译： 收到要求产生合并风险分数，其特征在于使用安全信用额度合并个人债务后个人信用水平发生变化的可能性。 此后，使用使用多个整合者的历史信誉数据训练的预测模型，估计个人的未来信用余额增加。 然后，这些估计的未来余额增加与合并风险分数相关联，以便可以提供此类分数。 还描述了相关装置，系统，技术和制品。
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公开(公告)号：US20120072334A1
公开(公告)日：2012-03-22
申请号：US12939975
申请日：2010-11-04
申请人： Jeffrey A. Feinstein , Wei Jiang , Ryan Morrison , Shane De Zilwa
发明人： Jeffrey A. Feinstein , Wei Jiang , Ryan Morrison , Shane De Zilwa
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025 , G06Q40/02
摘要： A request to generate a responsibility score is received that characterizes a likelihood of a change in a level of creditworthiness of an individual in response to at least one unknown financial event. Such responsibility score can provide useful insight into a consumer that is complementary to a credit score. Thereafter, a responsibility score is generated based on historical creditworthiness data for the individual using at least one predictive model. The at least one predictive model was trained using historical creditworthiness data of a plurality of consumers subjected to a plurality of financial events. In addition, the at least one predictive model associates the historical creditworthiness data of the individual with matching states for each of a plurality of pre-defined performance behaviors—with each pre-defined performance behavior having at least two corresponding states. The responsibility score can be later provided to a user (e.g., persisted, transmitted, displayed, etc.). Related apparatus, systems, techniques, and articles are also described.
摘要翻译： 收到产生责任分数的请求，其特征在于响应于至少一个未知的金融事件，个人信用级别的变化的可能性。 这样的责任分数可以为消费者提供有用的见解，这是对信用评分的补充。 此后，基于使用至少一个预测模型的个人的历史信誉数据生成责任分数。 使用经受多个金融事件的多个消费者的历史信誉数据训练至少一个预测模型。 此外，至少一个预测模型将个体的历史信誉数据与多个预定义的行为行为中的每一个的匹配状态相关联，其中每个预定义的行为行为具有至少两个相应的状态。 责任分数可以稍后提供给用户（例如，持久化，传输，显示等）。 还描述了相关装置，系统，技术和制品。
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3.发明授权公开(公告)号：US07970676B2
公开(公告)日：2011-06-28
申请号：US11832610
申请日：2007-08-01
申请人： Jeffrey A. Feinstein
发明人： Jeffrey A. Feinstein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/108 , G06Q40/025 , G06Q40/06
摘要： A method and system for predicting impact of future actions on subsequent performance involves developing a prediction model that predicts a statistical interaction of performance expectation with likely behavior. In one embodiment, sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim behavior. Predictive interaction variables are calculated on the predictive data using simulated profiles before and after an action.
摘要翻译： 一种用于预测未来行动对后续业绩的影响的方法和系统涉及开发一种预测模型，预测性能期望与可能行为的统计交互。 在一个实施例中，分析解决方案对新的，后评分日期信用行为的敏感性大大改善了快照分数预测。 建模方法涉及多个快照：预测和性能快照，以及预测快照之后不久的中间快照，以量化临时行为。 预测性交互变量使用模拟曲线在动作前后使用预测数据进行计算。
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公开(公告)号：US08706596B2
公开(公告)日：2014-04-22
申请号：US12105185
申请日：2008-04-17
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06
摘要： Input characterizing one or more economic indicators and a portfolio of accounts can be used to estimate a portfolio level effect of the economic indicators on the portfolio of accounts is estimated. Based on this estimation, an account level effect of the economic indicators is simulated for each of the accounts. The overall affect of the simulated account level effects approximates the portfolio level effect. Simulated account level effects can thereafter be aggregated in order to characterize future risk for the portfolio of accounts. Related apparatus, systems, techniques and articles are also described.
摘要翻译： 输入表征一个或多个经济指标和一组账户可以用于估计经济指标对账目组合的投资组合水平的影响。 根据这一估计，对每个账户模拟了经济指标的账面水平效应。 模拟账户级别影响的总体影响近似于投资组合水平效应。 此后可以对模拟的帐户级别影响进行汇总，以表征账户组合的未来风险。 还描述了相关设备，系统，技术和物品。
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公开(公告)号：US20090265281A1
公开(公告)日：2009-10-22
申请号：US12105185
申请日：2008-04-17
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06
摘要： Input characterizing one or more economic indicators and a portfolio of accounts can be used to estimate a portfolio level effect of the economic indicators on the portfolio of accounts is estimated. Based on this estimation, an account level effect of the economic indicators is simulated for each of the accounts. The overall affect of the simulated account level effects approximates the portfolio level effect. Simulated account level effects can thereafter be aggregated in order to characterize future risk for the portfolio of accounts. Related apparatus, systems, techniques and articles are also described.
摘要翻译： 输入表征一个或多个经济指标和一组账户可以用于估计经济指标对账目组合的投资组合水平的影响。 根据这一估计，对每个账户模拟了经济指标的账面水平效应。 模拟账户级别影响的总体影响近似于投资组合水平效应。 此后可以对模拟的帐户级别影响进行汇总，以表征账户组合的未来风险。 还描述了相关设备，系统，技术和物品。
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公开(公告)号：US20100268639A1
公开(公告)日：2010-10-21
申请号：US12425282
申请日：2009-04-16
IPC分类号： G06Q40/00
摘要： Data comprising a request to generate a migration score is received (for example, by a first computer system). The migration score characterizes a likelihood of a change in a level of creditworthiness of a consumer subsequent to generation of a current credit score. Thereafter, future credit score migration for the individual is estimated (for example, by the first computer system) using a predictive model trained using historical creditworthiness data derived from a plurality of individuals. The historical creditworthiness data includes, for each individual, a historical credit score and empirical performance data subsequent to a scoring date for the historical credit score. Thereafter, the estimated future credit score migration is associated (for example, by the first computer system) with a migration score. Provision of the migration score can then be initiated. Related apparatus, systems, techniques and articles are also described.
摘要翻译： 接收包括生成迁移分数的请求的数据（例如，由第一计算机系统）。 迁移分数表征了当前信用评分产生之后消费者信誉水平发生变化的可能性。 此后，使用使用从多个个体导出的历史信用度数据训练的预测模型来估计个人的未来信用评分迁移（例如，由第一计算机系统）。 对于每个人来说，历史信誉数据包括历史信用评分和历史信用评分得分之后的经验表现数据。 此后，估计的未来信用评分迁移与迁移分数相关联（例如，由第一计算机系统）。 然后可以启动提供迁移分数。 还描述了相关设备，系统，技术和物品。
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公开(公告)号：US20090171757A1
公开(公告)日：2009-07-02
申请号：US11966820
申请日：2007-12-28
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/12
摘要： A request to generate a consolidation risk score that characterizes a likelihood of a change in a level of creditworthiness of an individual following a consolidation of debt of the individual using a secured line of credit is received. Thereafter, future credit balance increases are estimated for the individual using a predictive model trained using historical creditworthiness data of a plurality of consolidators. These estimated future balance increases are then associated with a consolidation risk score so that such score can be provided. Related apparatus, systems, techniques, and articles are also described.
摘要翻译： 收到要求产生合并风险分数，其特征在于使用安全信用额度合并个人债务后个人信用水平发生变化的可能性。 此后，使用使用多个整合者的历史信誉数据训练的预测模型，为个人估计未来的信贷余额增加。 然后，这些估计的未来余额增加与合并风险分数相关联，以便可以提供此类分数。 还描述了相关装置，系统，技术和制品。
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公开(公告)号：US20090171756A1
公开(公告)日：2009-07-02
申请号：US11966798
申请日：2007-12-28
CPC分类号： G06Q20/4016 , G06Q40/02 , G06Q40/025
摘要： A request to generate a balance attriter risk score that characterizes a likelihood of a change in a level of creditworthiness of an individual following balance attrition is received. Thereafter, one or more creditworthiness indicators such as future credit balance increases (a proxy for the responsibility of the individual) are estimated for the individual using a predictive model trained using historical creditworthiness data of a plurality of balance attriters. These estimated future balance increases are then associated with a balance attriter risk score so that such score can be provided. Related apparatus, systems, techniques, and articles are also described.
摘要翻译： 产生平衡attriter风险分数的请求，其表示在平衡消耗之后个人信用级别的变化的可能性。 此后，使用使用多个平衡磨床的历史信誉数据训练的预测模型，为个人估计一个或多个诸如未来信用余额增加的信用指标（个人的责任代理）。 然后，这些估计的未来余额增加与平衡attriter风险分数相关联，以便可以提供此类分数。 还描述了相关装置，系统，技术和制品。
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9.发明申请公开(公告)号：US20090037308A1
公开(公告)日：2009-02-05
申请号：US11832610
申请日：2007-08-01
申请人： Jeffrey A. Feinstein
发明人： Jeffrey A. Feinstein
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/108 , G06Q40/025 , G06Q40/06
摘要： A method and system for predicting impact of future actions on subsequent performance involves developing a prediction model that predicts a statistical interaction of performance expectation with likely behavior. In one embodiment, sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim behavior. Predictive interaction variables are calculated on the predictive data using simulated profiles before and after an action.
摘要翻译： 一种用于预测未来行动对后续业绩的影响的方法和系统涉及开发一种预测模型，预测性能期望与可能的行为的统计交互。 在一个实施例中，分析解决方案对新的，后评分日期信用行为的敏感性大大改善了快照分数预测。 建模方法涉及多个快照：预测和性能快照，以及预测快照之后不久的中间快照，以量化临时行为。 预测性交互变量使用模拟曲线在动作前后使用预测数据进行计算。
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10.发明授权
公开(公告)号：US05997883A
公开(公告)日：1999-12-07
申请号：US886487
申请日：1997-07-01
IPC分类号： A61B5/0456 , G01R33/567 , G01V3/00
CPC分类号： A61B5/7292 , G01R33/5673 , A61B5/0456 , A61B5/7289
摘要： A method is disclosed to reconstruct multiphase MR images that accurately depict the entire cardiac cycle. A segmented, gradient-recalled-echo sequence is modified to acquire data continuously. Images are retrospectively reconstructed by selecting views from each heartbeat based on cardiac phase rather than the time elapsed from the QRS complex. Cardiac phase is calculated using a model that compensates for beat-to-beat heart rate changes.
摘要翻译： 公开了一种重建准确描绘整个心动周期的多相MR图像的方法。 修改分段渐变回波序列以连续采集数据。 通过基于心脏相位而不是从QRS复合体经过的时间选择来自每个心跳的视图来回顾性地重建图像。 使用补偿搏动心跳变化的模型计算心脏相。
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