公开(公告)号：US08396789B1

公开(公告)日：2013-03-12

申请号：US12651666

申请日：2010-01-04

申请人： Agus Sudjianto ,  Peter B. Vechnak ,  Michelle Warholic ,  Meghan Alita Steach ,  Jie Chen

发明人： Agus Sudjianto ,  Peter B. Vechnak ,  Michelle Warholic ,  Meghan Alita Steach ,  Jie Chen

IPC分类号： G06Q40/00

CPC分类号： G06Q40/025

摘要： Embodiments of the present invention evaluate consumer spending and borrowing patterns and, based thereon, forecast changes in consumer failure to repay rates. Embodiments of the present invention then develop macroeconomic variables that reflect the forecasted changes in consumer failure to repay rates and implement those macroeconomic variables into credit-approval decision models. The implemented macroeconomic variables adjust the decision models' credit-approval thresholds to account for the forecasted changes in consumer failure to repay rates. For example, if forecasts indicate decreasing credit failure to repay rates, then macroeconomic variables are developed and implemented in decision models to reduce credit-approval thresholds, thereby reducing qualifying creditworthiness scores and making it easier to get credit. On the other hand, for example, if forecasts indicate increasing credit failure to repay rates, then macroeconomic variables are developed and implemented in decision models to increase credit-approval thresholds, thereby restricting access to credit and reducing future losses from consumer failures to repay.

摘要翻译： 本发明的实施例评估消费者支出和借款模式，并据此预测消费者未能偿还差价的变化。 然后，本发明的实施例开发出反映消费者未能偿还利率的预测变化的宏观经济变量，并将这些宏观经济变量实施为信用审批决策模型。 实施的宏观经济变量调整决策模型的信用审批阈值，以解决消费者未能偿还利率的预测变化。 例如，如果预测表明信贷未能偿还利率下降，则在决策模型中制定和实施宏观经济变量，以减少信贷审批门槛，从而降低合格信用评分，并使其更容易获得信贷。 另一方面，例如，如果预测表明贷款利率不断下降，那么在决策模型中制定和实施宏观经济变量，以增加信贷审批阈值，从而限制信贷获取和减少未来消费者未偿还的损失。