公开(公告)号：US11037236B1

公开(公告)日：2021-06-15

申请号：US14170460

申请日：2014-01-31

申请人： Siddharth Ram ,  Richard N. Preece ,  Joseph Timothy Callinan, Jr. ,  Kathy Tsitovich ,  Eva Diane Chang ,  Madhu Shalini Iyer

发明人： Siddharth Ram ,  Richard N. Preece ,  Joseph Timothy Callinan, Jr. ,  Kathy Tsitovich ,  Eva Diane Chang ,  Madhu Shalini Iyer

IPC分类号： G06Q20/40 ,  G06N20/20 ,  G06Q40/02

摘要： A method for modeling risk of a derogatory financial event. The method includes generating a risk profile of a small business (SMB) using a risk model based on accounting data and other third party business management application (BMA) data of the SMB. In particular, the risk model is generated using a training data set that includes accounting data and other third party BMA data of multiple SMBs over particular time periods related to historic derogatory events (e.g., to be delinquent and/or to default on a loan) of these SMBs. Generated using the risk model, the risk profile of the SMB represents the likelihood of a derogatory financial event occurring to the SMB.

公开(公告)号：US11055772B1

公开(公告)日：2021-07-06

申请号：US16198599

申请日：2018-11-21

申请人： Siddharth Ram ,  Richard N. Preece ,  Joseph Timothy Callinan, Jr. ,  Kathy Tsitovich ,  Eva Diane Chang

发明人： Siddharth Ram ,  Richard N. Preece ,  Joseph Timothy Callinan, Jr. ,  Kathy Tsitovich ,  Eva Diane Chang

IPC分类号： G06Q40/02

摘要： The method and system involves instant loan decisions by generating a risk profile of a small business (SMB). The risk profile is generated based on accounting data and other third party business management application (BMA) data of the SMB. In particular, the accounting data and other third party BMA data are retrieved from a BMA (e.g., accounting application, payroll application, tax preparation application, personnel application, etc.) as a software-as-an-service (SaaS) used by the SMB. Specifically, the risk profile represents the likelihood of the SMB to be delinquent and/or to default on a loan. The risk profile is then provided to a lender for making an expedient lending decision with respect to the SMB. In addition, statistics of lenders' lending decisions based on provided risk profiles are analyzed to generate a correlation. Accordingly, the algorithm(s) used to generate the risk profile from the accounting data and other third party BMA data are adjusted to maximize the correlation.

公开(公告)号：US11004146B1

公开(公告)日：2021-05-11

申请号：US14170488

申请日：2014-01-31

申请人： Siddharth Ram ,  Richard N. Preece ,  Joseph Timothy Callinan, Jr. ,  Kathy Tsitovich ,  Eva Diane Chang

发明人： Siddharth Ram ,  Richard N. Preece ,  Joseph Timothy Callinan, Jr. ,  Kathy Tsitovich ,  Eva Diane Chang

IPC分类号： G06Q40/02

摘要： A method for generating a business health score of a business entity that includes identifying tools used to manage the business entity, obtaining business information from the tools, filtering the business information into at least one data category to obtain categorized business information, populating the categorized business information into a data silo, and analyzing, by a computer processor, the categorized business information in the data silo to create a composite business factor. The method also includes applying an algorithm to the composite business factor to generate a result, generating, based on the result, the business health score of the business entity, and providing the business health score to an interested entity.