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 computer system programmed to generate at least one data file comprising a plurality of data items of merged data, 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 merged data includes data that categorizes the data into one or more peer sets, each peer set corresponding to one or more lending institutions; and
a benchmarking query application configured to execute a user-specified query against the merged data such that the trade line data and associated consumer data is pre-merged at a time of execution of said query, said benchmark query application additionally configured to use execution results of the user-specified queries to generate a benchmark report that compares a portfolio of a lending institution to portfolios of peers of the lending institution.
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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
14 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 computer system programmed to generate at least one data file comprising a plurality of data items of merged data, 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 merged data includes data that categorizes the data into one or more peer sets, each peer set corresponding to one or more lending institutions; and a benchmarking query application configured to execute a user-specified query against the merged data such that the trade line data and associated consumer data is pre-merged at a time of execution of said query, said benchmark query application additionally configured to use execution results of the user-specified queries to generate a benchmark report that compares a portfolio of a lending institution to portfolios of peers of the lending institution. - View Dependent Claims (2, 3, 4, 5)
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6. A credit portfolio benchmarking system comprising:
a benchmarking query application, executed on a computer system, configured to; create a user input component display that receives user-entered values for parameters, the user input component display comprising; a query portion configured to receive user-entered values for parameters of a query; and an active query 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 to retrieve information about a first lending institution using at least a portion of the user-entered values; determine at least one peer of the first lending institution; determine respective portfolios of the first lending institution and the at least one peer of the first lending institution; and generate an anonymized report that shows the portfolio of the first lending institution benchmarked against the at least one peer of the first lending institution. - View Dependent Claims (7, 8, 9)
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10. A non-transitory computer storage medium having computer executable code recorded therein, the computer executable code configured to cause a computer system to perform method steps comprising:
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receiving an indication of a first lending institution; receiving query parameters for querying a portfolio benchmarking database to create an anonymized portfolio benchmarking report, the query parameters relating to defining a query population, segmenting the population, and selecting attributes, the portfolio benchmarking database comprising pre-merged trade data and consumer data categorized into one or more peer sets 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 receiving the anonymized portfolio benchmarking report that includes a portfolio of the first lending institution benchmarked against a set of lending institutions of the first lending institution'"'"'s peer set based at least in part on the merged data. - View Dependent Claims (11, 12, 13, 14)
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Specification