Systems and Methods for Assessing Metrics of Loans, Financial Instruments and Financial Entities

a technology of financial instruments and metrics, applied in the field of systems and methods for assessing metrics of loans, financial instruments and/or financial entities, can solve the problems of performance metric being the risk of default risk of non-compliance of the loan under consideration, and performance metric being the risk of incidence of fraudulent activity associated with the loan under consideration

Inactive Publication Date: 2012-07-12
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

This patent describes various ways to evaluate how well a lender holds loans in terms of their ability to repay them over time. These techniques involve analyzing the creditworthiness of each borrower's bankroll against its own risk profile. By comparing this analysis with previous evaluations from other borrowers, it can help identify any issues that might affect future loans.

Problems solved by technology

The technical problem addressed in this patent text relates to evaluating the risk and effectiveness of loans used for commercial transactions, particularly when considering their role in generating income. Existing systems only provide static scores based on factors like creditworthiness or debitability, which cannot accurately reflect how well these loans were performing during actual use.

Method used

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  • Systems and Methods for Assessing Metrics of Loans, Financial Instruments and Financial Entities
  • Systems and Methods for Assessing Metrics of Loans, Financial Instruments and Financial Entities
  • Systems and Methods for Assessing Metrics of Loans, Financial Instruments and Financial Entities

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Embodiment Construction

[0039]Various aspects of the invention claimed in the claims below may be better understood from the following description in conjunction with the referenced figures.

[0040]A data processing system, as applicable to various embodiments of the present invention, includes any desktop computer, laptop, netbook, electronic notebook, ultra mobile personal computer (UMPC), client computing device, server computer or server system (whether configured as a single server or as a bank of multiple servers), cloud computing system or platform, web appliance, network router, switch or bridge, mobile telephone, personal digital assistant, personal digital organizer, or any other computer system, device, component or machine capable of processing electronic data. In various implementations, a data processing system could act as a client, as a server, or as both a client and a server.

[0041]FIG. 1 shows a representation of an example of a data processing system 100 within which a set of instructions may

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Abstract

A method, system and computer program product for assessing performance metrics of loans, financial instruments and financial entities based on score values and/or characteristic models.

Description

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Claims

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Application Information

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