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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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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：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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6.发明申请公开(公告)号：US20120150779A1
公开(公告)日：2012-06-14
申请号：US13399067
申请日：2012-02-17
申请人： Anthony Vaiciulis , Larry Peranich , Uwe Mayer , Scott Zoldi , Shane De Zilwa
发明人： Anthony Vaiciulis , Larry Peranich , Uwe Mayer , Scott Zoldi , Shane De Zilwa
CPC分类号： G06N5/02 , G06N99/005 , G06Q40/00
摘要： A computer-implemented method and system for automated entity identification for efficient profiling in an event probability prediction system. A first subset of entities belonging to one or more entity classes is defined. At least one historical profile is constructed for each entity in the subset of entities based on a set of possible outcomes of transaction behavior of each entity in the first subset of entities. Based on the historical profiles, a second subset of entities having transaction behavior associated with a transaction is selected, the transaction behavior being predictive of at least one targeted outcome from the set of possible outcomes. The first subset of entities is redefined with the second subset of entities.
摘要翻译： 一种用于自动化实体识别的计算机实现的方法和系统，用于事件概率预测系统中的有效分析。 定义属于一个或多个实体类的实体的第一子集。 基于实体的第一子集中的每个实体的事务行为的一组可能结果，为实体子集中的每个实体构建至少一个历史简档。 基于历史简档，选择具有与交易相关联的交易行为的实体的第二子集，所述交易行为从所述一组可能结果中预测至少一个目标结果。 实体的第一个子集与第二个实体子集重新定义。
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7.发明授权Determing a disposition of sensor-based events using decision trees with splits performed on decision keys 有权使用在决策键上执行分割的决策树来确定基于传感器的事件的处置公开(公告)号：US08200595B1
公开(公告)日：2012-06-12
申请号：US12360026
申请日：2009-01-26
IPC分类号： G06F17/00
CPC分类号： G05B23/0229 , G05B23/024
摘要： Data characterizing a plurality of sensor generated events is received. Thereafter, analysis of the plurality of events is initiated using a decision tree with splits performed on decision keys. A first portion of the decision keys comprising analyst-selected splits can be derived from user-generated domain knowledge regarding a first plurality of historical events. A second portion of the decision keys comprising software-driven splits can be derived from a predictive model trained using a second plurality of historical events. Later, a disposition is determined for each event based on a traversal of at least one of the decision keys in the decision tree and such disposition is later initiated. Related apparatus, systems, techniques and articles are also described.
摘要翻译： 接收表征多个传感器产生的事件的数据。 此后，使用在决策键上执行分割的决策树来启动多个事件的分析。 可以从关于第一多个历史事件的用户生成的领域知识中导出包括分析者选择的分割的决策键的第一部分。 包括软件驱动拆分的决定键的第二部分可以从使用第二多个历史事件训练的预测模型导出。 稍后，基于决策树中的至少一个决定键的遍历来确定每个事件的配置，并且稍后启动该配置。 还描述了相关设备，系统，技术和物品。
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8.发明申请公开(公告)号：US20130103629A1
公开(公告)日：2013-04-25
申请号：US13710423
申请日：2012-12-10
申请人： Anthony Vaiciulis , Larry Peranich , Uwe Mayer , Scott Zoldi , Shane De Zilwa
发明人： Anthony Vaiciulis , Larry Peranich , Uwe Mayer , Scott Zoldi , Shane De Zilwa
IPC分类号： G06N5/02
CPC分类号： G06N5/02 , G06N99/005 , G06Q40/00
摘要： A computer-implemented method and system for automated entity identification for efficient profiling in an event probability prediction system. A first subset of entities belonging to one or more entity classes is defined. At least one historical profile is constructed for each entity in the subset of entities based on a set of possible outcomes of transaction behavior of each entity in the first subset of entities. Based on the historical profiles, a second subset of entities having transaction behavior associated with a transaction is selected, the transaction behavior being predictive of at least one targeted outcome from the set of possible outcomes. The first subset of entities is redefined with the second subset of entities.
摘要翻译： 一种用于自动化实体识别的计算机实现的方法和系统，用于事件概率预测系统中的有效分析。 定义属于一个或多个实体类的实体的第一子集。 基于实体的第一子集中的每个实体的事务行为的一组可能结果，为实体子集中的每个实体构建至少一个历史简档。 基于历史概况，选择具有与交易相关联的交易行为的实体的第二子集，所述交易行为从所述一组可能结果中预测至少一个目标结果。 实体的第一个子集与第二个实体子集重新定义。
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9.发明授权Automated entity identification for efficient profiling in an event probability prediction system 有权自动实体识别用于事件概率预测系统中的高效分析公开(公告)号：US08121962B2
公开(公告)日：2012-02-21
申请号：US12110261
申请日：2008-04-25
申请人： Anthony Vaiciulis , Larry Peranich , Uwe Mayer , Scott Zoldi , Shane De Zilwa
发明人： Anthony Vaiciulis , Larry Peranich , Uwe Mayer , Scott Zoldi , Shane De Zilwa
CPC分类号： G06N5/02 , G06N99/005 , G06Q40/00
摘要： A computer-implemented method and system for automated entity identification for efficient profiling in an event probability prediction system. A first subset of entities belonging to one or more entity classes is defined. At least one historical profile is constructed for each entity in the subset of entities based on a set of possible outcomes of transaction behavior of each entity in the first subset of entities. Based on the historical profiles, a second subset of entities having transaction behavior associated with a transaction is selected, the transaction behavior being predictive of at least one targeted outcome from the set of possible outcomes. The first subset of entities is redefined with the second subset of entities.
摘要翻译： 一种用于自动化实体识别的计算机实现的方法和系统，用于事件概率预测系统中的有效分析。 定义属于一个或多个实体类的实体的第一子集。 基于实体的第一子集中的每个实体的事务行为的一组可能结果，为实体子集中的每个实体构建至少一个历史简档。 基于历史简档，选择具有与交易相关联的交易行为的实体的第二子集，所述交易行为从所述一组可能结果中预测至少一个目标结果。 实体的第一个子集与第二个实体子集重新定义。
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10.发明申请Automated entity identification for efficient profiling in an event probability prediction system 有权自动实体识别用于事件概率预测系统中的高效分析公开(公告)号：US20090271343A1
公开(公告)日：2009-10-29
申请号：US12110261
申请日：2008-04-25
申请人： Anthony Vaiciulis , Larry Peranich , Uwe Mayer , Scott Zoldi , Shane De Zilwa
发明人： Anthony Vaiciulis , Larry Peranich , Uwe Mayer , Scott Zoldi , Shane De Zilwa
IPC分类号： G06N5/00
CPC分类号： G06N5/02 , G06N99/005 , G06Q40/00
摘要： A computer-implemented method and system for automated entity identification for efficient profiling in an event probability prediction system. A first subset of entities belonging to one or more entity classes is defined. At least one historical profile is constructed for each entity in the subset of entities based on a set of possible outcomes of transaction behavior of each entity in the first subset of entities. Based on the historical profiles, a second subset of entities having transaction behavior associated with a transaction is selected, the transaction behavior being predictive of at least one targeted outcome from the set of possible outcomes. The first subset of entities is redefined with the second subset of entities.
摘要翻译： 一种用于自动化实体识别的计算机实现的方法和系统，用于事件概率预测系统中的有效分析。 定义属于一个或多个实体类的实体的第一子集。 基于实体的第一子集中的每个实体的事务行为的一组可能结果，为实体子集中的每个实体构建至少一个历史简档。 基于历史概况，选择具有与交易相关联的交易行为的实体的第二子集，所述交易行为从所述一组可能结果中预测至少一个目标结果。 实体的第一个子集与第二个实体子集重新定义。
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