公开(公告)号：US08751378B2

公开(公告)日：2014-06-10

申请号：US13399823

申请日：2012-02-17

申请人： Ethan Dornhelm ,  Lu Gao ,  Joanne Gaskin ,  Yan Wei ,  Tracy Backes ,  Andrew Leverentz

发明人： Ethan Dornhelm ,  Lu Gao ,  Joanne Gaskin ,  Yan Wei ,  Tracy Backes ,  Andrew Leverentz

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/02

摘要： A strategic default score is determined for an entity that characterizes a likelihood of the entity voluntarily electing to default on a loan. Data characterizing credit data and valuation data of an asset owned by the entity is received. Using the received data, the strategic default score is generated which characterizes a likelihood of the entity to voluntarily elect to default on the loan when the entity is capable of paying-off the loan. Provision (e.g., display, transmission, storage, etc.) of the strategic default score is then initiated. Related apparatus, systems, techniques and articles are also described.

摘要翻译： 确定一个实体的战略默认分数，表征实体自愿选择贷款违约的可能性。 收到实体所拥有的资产的信用数据和估值数据的数据。 使用收到的数据，产生了战略默认分数，表征了实体有能力偿还贷款时实体自愿选择违约的可能性。 然后启动战略默认分数的设置（例如，显示，传输，存储等）。 还描述了相关设备，系统，技术和物品。

公开(公告)号：US20130218750A1

公开(公告)日：2013-08-22

申请号：US13399823

申请日：2012-02-17

申请人： Ethan Dornhelm ,  Lu Gao ,  Joanne Gaskin ,  Yan Wei ,  Tracy Backes ,  Andrew Leverentz

发明人： Ethan Dornhelm ,  Lu Gao ,  Joanne Gaskin ,  Yan Wei ,  Tracy Backes ,  Andrew Leverentz

IPC分类号： G06Q40/02

CPC分类号： G06Q40/00 ,  G06Q40/02

摘要： A strategic default score is determined for an entity that characterizes a likelihood of the entity voluntarily electing to default on a loan. Data characterizing credit data and valuation data of an asset owned by the entity is received. Using the received data, the strategic default score is generated which characterizes a likelihood of the entity to voluntarily elect to default on the loan when the entity is capable of paying-off the loan. Provision (e.g., display, transmission, storage, etc.) of the strategic default score is then initiated. Related apparatus, systems, techniques and articles are also described.

摘要翻译： 确定一个实体的战略默认分数，表征实体自愿选择贷款违约的可能性。 收到实体所拥有的资产的信用数据和估值数据的数据。 使用收到的数据，产生了战略默认分数，表征了实体有能力偿还贷款时实体自愿选择违约的可能性。 然后启动战略默认分数的设置（例如，显示，传输，存储等）。 还描述了相关设备，系统，技术和物品。