Systems and methods to facilitate analysis of commercial credit customers
First Claim
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1. A method for facilitating analysis of a commercial credit customer, comprising:
- determining customer information associated with the commercial credit customer, at least some of the customer information being associated with a plurality of commercial credit accounts; and
generating risk information associated with the customer by applying at least one of a plurality of risk models to the customer information.
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Abstract
Systems and methods are provided to facilitate analysis of commercial credit customers. According to one embodiment, customer information associated with a commercial credit customer is determined, at least some of the customer information being associated with a plurality of commercial credit accounts. Risk information associated with the customer is then generated by applying at least one of a plurality of risk models to the customer information. A list of high risk customers may then be created based on the risk information.
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Citations
19 Claims
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1. A method for facilitating analysis of a commercial credit customer, comprising:
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determining customer information associated with the commercial credit customer, at least some of the customer information being associated with a plurality of commercial credit accounts; and
generating risk information associated with the customer by applying at least one of a plurality of risk models to the customer information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. An apparatus, comprising:
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a processor; and
a storage device in communication with said processor and storing instructions adapted to be executed by said processor to;
determine customer information associated with a commercial credit customer, at least some of the customer information being associated with a plurality of commercial credit accounts, and generate risk information associated with the customer by applying at least one of a plurality of risk models to the customer information. - View Dependent Claims (16, 17)
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18. A medium storing instructions adapted to be executed by a processor to perform a method for facilitating analysis of a commercial credit customer, said method comprising:
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determining customer information associated with the commercial credit customer, at least some of the customer information being associated with a plurality of commercial credit accounts; and
generating risk information associated with the customer by applying at least one of a plurality of risk models to the customer information.
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19. A method of facilitating commercial credit customer analysis, comprising:
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identifying a set of historical customers, each historical customer being associated with at least one commercial credit account;
performing a segmentation analysis to determine customer segments;
identifying potential variables;
performing univariate analysis on the potential variables to identify potentially predictive variables;
performing multivariate analysis on the potentially predictive variables to select most predictive variables;
establishing risk models using the most predictive variables for each customer segment; and
for a plurality of active customers, periodically;
retrieving internal account data associated with the active customers, receiving external customer data associated with the active customers, identifying a subset of the active customers based on the risk models, internal account data, and external customer data, and transmitting a notification associated with the subset of active customers to at least one risk manager via a communication network.
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Specification