DATA ANALYTICS MODEL FOR LOAN TREATMENT
First Claim
1. A system for data analytics in loan treatment, the system comprising:
- an input configured to receive credit report information for a person associated with a loan, property information for a specific property associated with the loan, loan information for the loan, loan treatment information for the loan, and real estate market information for a region including the specific property;
a processor configured to;
apply a cluster model, the cluster model comprising an unsupervised machine-learned classifier configured to classify a borrower of the loan and the specific property into one of a plurality of borrower-property clusters, each of the borrower-property clusters being a function of both the credit report information and the property information;
apply a net present value model, the net present value model comprising a machine-trained model configured to calculate a net present value, the processor configured to apply the net present value model as a function of the borrower-property clusters, the property information, the loan information, the loan modification information, and the real estate market information; and
an output configured to output the net present value.
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Accused Products
Abstract
Data analytics are provided in loan treatment. Various sources of data may be used to optimize or predict value for a loan. Using machine-learning and/or statistical analysis, loans or treatment best suited for a particular borrower may be determined. Due to the large amounts of data available, borrower behavior may be learned from previous behavior of others and mapped to a predictive model. Machine-learning indicates the most relevant factors in loan treatment, providing a matrix for predicting loan value or treatment success. A given borrower may be classified into one of many classes of borrower based on credit information, property information, desired loan information, real estate market information, and/or other data. Tens, hundreds, or even thousands of variables may be used to predict the optimum treatment.
65 Citations
20 Claims
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1. A system for data analytics in loan treatment, the system comprising:
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an input configured to receive credit report information for a person associated with a loan, property information for a specific property associated with the loan, loan information for the loan, loan treatment information for the loan, and real estate market information for a region including the specific property; a processor configured to; apply a cluster model, the cluster model comprising an unsupervised machine-learned classifier configured to classify a borrower of the loan and the specific property into one of a plurality of borrower-property clusters, each of the borrower-property clusters being a function of both the credit report information and the property information; apply a net present value model, the net present value model comprising a machine-trained model configured to calculate a net present value, the processor configured to apply the net present value model as a function of the borrower-property clusters, the property information, the loan information, the loan modification information, and the real estate market information; and an output configured to output the net present value. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A non-transitory computer readable storage medium comprising instructions which, when executed by a computer system that includes a data processor and is connected to at least one data repository, perform a method comprising:
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accessing, by the computer system from at least one data repository through a first communication channel, credit report information for a person associated with a loan, property information for a specific property associated with the loan, loan information for the loan, loan treatment information for the loan, and real estate market information for a region including the specific property; applying, by the data processor, a cluster model, the cluster model comprising an unsupervised machine-learned classifier configured to classify a borrower of the loan and the specific property into one of a plurality of borrower-property clusters, each of the borrower-property clusters being a function of both the credit report information and the property information; applying, by the data processor, a net present value model as a function of the borrower-property clusters, the property information, the loan information, the loan modification information, and the real estate market information, the net present value model comprising a machine-trained model configured to calculate a net present value; and outputting through a second communication channel the net present value. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A computer-implemented method comprising:
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accessing, by a computer system from at least one data repository through a first communication channel, credit report information for a person associated with a loan, property information for a specific property associated with the loan, loan information for the loan, and real estate market information for a region including the specific property, wherein the real estate market information includes a time on market for a region associated with the specific property, and wherein the property information including a property value, equity, or open lien amount; applying, by the data processor, a cluster model, the cluster model comprising an unsupervised machine-learned classifier configured to classify a borrower of the loan and the specific property into one of a plurality of borrower-property clusters, each of the borrower-property clusters being a function of both the credit report information and the property information; applying, by the data processor, a net present value model as a function of the borrower-property clusters, the property information, the loan information, the loan modification information, and the real estate market information, the net present value model comprising a machine-trained model configured to calculate a net present value; and outputting through a second communication channel the net present value. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification