Method and system for modeling future action impact in...

Details Method and system for modeling future action impact in... Method and system for modeling future action impact in...

2011-06-28

2011-06-28

Colbert, Ella (Department: 3694)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S03600T, C705S038000, C705S039000, C705S042000

Reexamination Certificate

active

07970676

ABSTRACT:
A method and system for predicting impact of future actions on subsequent performance involves developing a prediction model that predicts a statistical interaction of performance expectation with likely behavior. In one embodiment, sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim behavior. Predictive interaction variables are calculated on the predictive data using simulated profiles before and after an action.

REFERENCES:
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patent: 7383215 (2008-06-01), Navarro et al.
patent: 2006/0233332 (2006-10-01), Toms
patent: 2007/0005473 (2007-01-01), Ho
patent: 2007/0208640 (2007-09-01), Banasiak et al.
Title: “Improving Clustering Analysis for Credit Card Accounts Classification”, Book Title: “Computational Science—ICCS 2005, 5th International Conference. Proceedings, Part III”, Authors: Yi Peng 1; Gang Kou 1; Yong Shi 1; Zhengxin Chen 1, pp. 548-553, Publication Date 2005.

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