SYSTEM AND METHOD FOR FACILITATING PREDICTION OF A LOAN RECOVERY DECISION
    1.
    发明申请
    SYSTEM AND METHOD FOR FACILITATING PREDICTION OF A LOAN RECOVERY DECISION 审中-公开
    促进贷款回收决策预测的系统和方法

    公开(公告)号:US20140052606A1

    公开(公告)日:2014-02-20

    申请号:US13968277

    申请日:2013-08-15

    CPC classification number: G06Q40/025

    Abstract: A system for facilitating prediction of a loan recovery decision pertaining to a customer of a financial institution is provided. The system comprises one or more databases comprising customer interaction data, customer profile data, and economic data. The system further comprises a Behavioral History Sequence (BHS) module configured to generate behavioral history sequence data associated with the customer. The BHS module generates the BHS data by sanitizing the customer interaction data and classifying the sanitized customer interaction data into predefined categories. The system further comprises a prediction module that is configured to predict payment behavior of the customer based on the BHS data, the customer profile data, and the economic data. The prediction module is further configured to predict the loan recovery decision pertaining to the customer, wherein the predicted loan recovery decision is based on the predicted payment behavior of the customer.

    Abstract translation: 提供了一种用于促进关于金融机构的客户的贷款恢复决定的预测的系统。 该系统包括一个或多个数据库,其包括客户交互数据,客户简档数据和经济数据。 该系统还包括行为历史序列(BHS)模块,其被配置为生成与客户相关联的行为历史序列数据。 BHS模块通过消毒客户交互数据并将消毒的客户交互数据分类为预定类别来生成BHS数据。 该系统还包括预测模块,其被配置为基于BHS数据,客户简档数据和经济数据预测顾客的支付行为。 预测模块还被配置为预测与客户有关的贷款恢复决定,其中预测的贷款恢复决定基于客户的预测的支付行为。

    METHODS FOR ANALYZING USER OPINIONS AND DEVICES THEREOF
    2.
    发明申请
    METHODS FOR ANALYZING USER OPINIONS AND DEVICES THEREOF 审中-公开
    用于分析用户意见的方法及其设备

    公开(公告)号:US20140164417A1

    公开(公告)日:2014-06-12

    申请号:US13946832

    申请日:2013-07-19

    CPC classification number: G06F16/345

    Abstract: A method, non-transitory computer readable medium, and opinion manager device that analyzes user opinions in data includes identifying one or more items of text in data that match one or more of the terms in a database for one or more domain specific concepts. At least the identified one or more items of text in the data for each of the one or more domain specific concepts with the identified one or more terms that match are analyzed based on stored concept analysis rules. One or more reports are provided based on the analysis.

    Abstract translation: 分析数据中的用户意见的方法,非暂时性计算机可读介质和意见管理器设备包括识别与数据库中的一个或多个术语匹配的数据中的一个或多个文本的一个或多个项目,用于一个或多个域特定概念。 基于存储的概念分析规则,分析至少所识别的一个或多个具有所标识的一个或多个匹配项的一个或多个域特定概念中的每一个文本的文本项目。 基于分析提供一个或多个报告。

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