Credit portfolio benchmarking system and method
First Claim
1. A credit portfolio benchmarking system comprising:
- a repository of trade data comprising a plurality of data items regarding trade lines including data for one or more loans;
a repository of consumer data comprising a plurality of data items regarding consumers including one or more names, addresses, and credit scores, wherein at least some information in the consumer data is private data that is confidential to the consumers and not in the trade data and at least some information in the trade data is not in the consumer data;
a build computer programmed to periodically generate at least one data file comprising a plurality of data items, each data item including a combination of information from the trade data and the consumer data obtained by merging trade line data with associated consumer data so that the trade line data and consumer data are in a same table and the merged data includes data that categorizes the data into one or more peer groups of lending institutions; and
a benchmarking query application configured to communicate with the build computer to create a user input component display that comprises;
a query build portion configured to receive user-entered values for parameters of a query; and
an active query build portion configured to remain visible while the user builds a query and comprising hypertext links related to parameters of the query;
the benchmarking query application further configured to execute queries using at least a portion of the at least one data file generated by the build computer and at least a portion of the user-entered values.
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Accused Products
Abstract
A portfolio benchmarking system comprises a repository of trade data, a repository of consumer data, a build computer, and a benchmarking query application. The repository of trade data comprises a plurality of data items regarding trade lines. The repository of consumer data comprises a plurality of data items regarding consumers, wherein at least some information in the consumer data is not in the trade data and at least some information in the trade data is not in the consumer data. The build computer periodically generates at least one data file comprising a plurality of data items, each data item combining information from the trade data and the consumer data, such that searches can be performed on the combined data without joining trade data and consumer data at query run time. The benchmarking query application executes queries on the data file generated by the build computer.
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Citations
21 Claims
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1. A credit portfolio benchmarking system comprising:
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a repository of trade data comprising a plurality of data items regarding trade lines including data for one or more loans; a repository of consumer data comprising a plurality of data items regarding consumers including one or more names, addresses, and credit scores, wherein at least some information in the consumer data is private data that is confidential to the consumers and not in the trade data and at least some information in the trade data is not in the consumer data; a build computer programmed to periodically generate at least one data file comprising a plurality of data items, each data item including a combination of information from the trade data and the consumer data obtained by merging trade line data with associated consumer data so that the trade line data and consumer data are in a same table and the merged data includes data that categorizes the data into one or more peer groups of lending institutions; and a benchmarking query application configured to communicate with the build computer to create a user input component display that comprises; a query build portion configured to receive user-entered values for parameters of a query; and an active query build portion configured to remain visible while the user builds a query and comprising hypertext links related to parameters of the query; the benchmarking query application further configured to execute queries using at least a portion of the at least one data file generated by the build computer and at least a portion of the user-entered values. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A credit portfolio benchmarking system comprising:
a benchmarking query application, executed on a computer system comprising one or more physical computers, configured to; create a user input component display that receives user-entered values for parameters, the user input component display comprising; a query build portion configured to receive user-entered values for parameters of a query; and an active query build portion configured to remain visible while the user builds during user entry of a query and comprising hypertext links related to the parameters; execute queries in at least near real time to retrieve information about a first lending institution using at least a portion of the user-entered values; determine peers of the first lending institution; determine respective credit portfolios of the first lending institution and the peers of the first lending institution; and generate an anonymized report that shows the credit portfolio of the first lending institution benchmarked against the peers of the first lending institution. - View Dependent Claims (11, 12, 13, 14)
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15. A non-transitory computer readable medium having computer executable code recorded therein, the computer executable code configured to cause a computer system to:
- receive an indication of a first lending institution;
receive query parameters for querying a credit portfolio benchmarking database to create an anonymized credit portfolio benchmarking report, the query parameters relating to defining a query population, segmenting the population, and selecting attributes, the credit portfolio benchmarking database comprising pre-merged trade data and consumer data categorized into one or more peer groups of lending institutions, the trade data including one or more loans, and the consumer data including one or more consumer names, addresses, and credit scores, wherein at least some information in the consumer data is private data that is confidential to consumers; and receive the anonymized credit portfolio benchmarking report that displays a credit portfolio of the first lending institution benchmarked against a set of lending institutions of the first lending institution'"'"'s peer group based at least in part on the merged data. - View Dependent Claims (16, 17)
- receive an indication of a first lending institution;
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18. A credit portfolio benchmarking system comprising:
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trade records regarding the status of trade information; consumer records regarding the status of consumer credit histories; a build computer programmed to periodically generate at least one data file comprising a plurality of data items categorized into one or more peer groups of lending institutions, wherein each data item includes trade records pre-merged with associated consumer records; and a benchmarking query application configured to;
execute queries in at least near real time to retrieve information about a first lending institution using user-entered values for parameters of population, population segmentation, and attribute selection and at least one of the plurality of data items generated by the build computer;determine peers of the first lending institution using at least one of the plurality of data items; determine respective credit portfolios of the first lending institution and the peers of the first lending institution using at least one of the plurality of data items; and generate a report that shows the credit portfolio of the first lending institution benchmarked against the credit portfolios of the first lending institution'"'"'s peers. - View Dependent Claims (19, 20, 21)
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Specification