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Vintage maturation analytics for predicting behavior and projecting cash flow for customer communities and their responses to economic, competitive, or management changes

  • US 7,702,555 B1
  • Filed: 02/13/2001
  • Issued: 04/20/2010
  • Est. Priority Date: 02/22/2000
  • Status: Active Grant
First Claim
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1. A data processing method for automatically processing and analyzing vintage loan performance data in order to predict a behavior of a group of vintage loan accounts, the data processing method comprising the steps of:

  • (a) storing vintage loan performance data representative of a known group of vintage loan accounts in a memory device;

    (b) processing said known vintage loan performance data stored in said memory device by way of a processor in order to automatically decompose said known vintage loan performance data into an age based component and calendar time based component; and

    (c) forecasting the behavior of said vintage loan accounts based upon said age component and said calendar time component.

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