公开(公告)号：US20140040111A1

公开(公告)日：2014-02-06

申请号：US13563591

申请日：2012-07-31

申请人： CHRISTOS BETTIOS ,  Laura Anne Roedel ,  Patrick Edward McLaughlin ,  Robert Anthony Camerota

发明人： CHRISTOS BETTIOS ,  Laura Anne Roedel ,  Patrick Edward McLaughlin ,  Robert Anthony Camerota

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： Various embodiments provide for systems and methods for analyzing loan acquisitions by: receiving a loan closing dataset relating to a loan (e.g., through an industry HUD-1 data portal); generating a set of interim analysis results from the loan closing dataset by extracting information from the loan closing dataset (e.g., the HUD-1 form associated with the loan); generating a set of analysis results by evaluating the set of interim analysis results according to a set of analysis rules (e.g., lender or investor rules); and generating a set of scores for the loan based on the set of analysis results. According to some embodiments, the set of analysis rules are configured to evaluate a transfer of interest in the loan (e.g., from a lender originating the loan to a party investing in the loan) for a set of investment risks, and the set of scores represent the set of investment risks.

摘要翻译： 各种实施例提供了通过以下方式分析贷款收购的系统和方法：接收与贷款相关的贷款结算数据集（例如，通过行业HUD-1数据门户）; 通过从贷款结算数据集（例如，与贷款相关联的HUD-1表单）提取信息，从贷款结算数据集中产生一组中期分析结果; 通过根据一组分析规则（例如，贷方或投资者规则）评估中间分析结果集来产生一组分析结果; 并根据一组分析结果生成贷款的一组分数。 根据一些实施例，一组分析规则被配置为评估一组投资风险的贷款利息转移（例如，从发起贷款的贷款人到投资贷款的一方）以及一组分数 代表一套投资风险。