Methods and systems for score consistency
First Claim
Patent Images
1. A computer-implemented method for determining score consistency, comprising:
- a. generating by a computer a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score is predictive of credit risk;
b. generating by a computer a second score for each of the plurality of entities using the same or a different scoring algorithm, wherein the second score is predictive of credit risk;
c. ranking by a computer the plurality of entities by the first score, resulting in a first ranked list;
d. ranking by a computer the plurality of entities by the second score, resulting in a second ranked list;
e. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups;
f. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups;
g. determining by a computer, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first and second ranked lists;
h. determining by a computer a total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by adding the numbers determined in step g;
i. dividing the total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by the number of the plurality of entities, resulting in a first score consistency value; and
j. outputting the first score consistency value.
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Abstract
Provided are methods and systems for determining score consistency.
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Citations
23 Claims
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1. A computer-implemented method for determining score consistency, comprising:
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a. generating by a computer a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score is predictive of credit risk; b. generating by a computer a second score for each of the plurality of entities using the same or a different scoring algorithm, wherein the second score is predictive of credit risk; c. ranking by a computer the plurality of entities by the first score, resulting in a first ranked list; d. ranking by a computer the plurality of entities by the second score, resulting in a second ranked list; e. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups; f. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups; g. determining by a computer, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first and second ranked lists; h. determining by a computer a total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by adding the numbers determined in step g; i. dividing the total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by the number of the plurality of entities, resulting in a first score consistency value; and j. outputting the first score consistency value. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer-implemented method for determining score consistency, comprising:
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a. generating by a computer a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score is predictive of credit risk; b. generating by a computer a second score for each of the plurality of entities using a second scoring algorithm, wherein the second score is predictive of credit risk; c. ranking by a computer the plurality of entities by the first score, resulting in a first ranked list; d. ranking by a computer the plurality of entities by the second score, resulting in a second ranked list; e. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups; f. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups; g. determining by a computer, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first and second ranked lists; h. determining by a computer a total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by adding the numbers determined in step g; i. dividing the total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by the number of the plurality of entities, resulting in a score consistency value; and j. outputting by a computer the score consistency value. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A system for determining score consistency, comprising:
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a memory configured to store scoring consistency data; and a processor, configured to perform steps comprising a. generating a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score is predictive of credit risk; b. generating a second score for each of the plurality of entities using the same or a different scoring algorithm, wherein the second score is predictive of credit risk; c. ranking the plurality of entities by the first score, resulting in a first ranked list; d. ranking the plurality of entities by the second score, resulting in a second ranked list; e. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups; f. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups; g. determining, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first and second ranked lists; h. determining a total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by adding the numbers determined in step g; i. dividing the total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by the number of the plurality of entities, resulting in a first score consistency value; and j. outputting the first score consistency value. - View Dependent Claims (18)
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19. A non-transitory computer readable medium having computer executable instructions embodied thereon for determining score consistency, the instructions comprising:
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a. generating a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score is predictive of credit risk; b. generating a second score for each of the plurality of entities using the same or a different scoring algorithm, wherein the second score is predictive of credit risk; c. ranking the plurality of entities by the first score, resulting in a first ranked list; d. ranking the plurality of entities by the second score, resulting in a second ranked list; e. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups; f. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups; g. determining, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first and second ranked lists; h. determining a total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by adding the numbers determined in step g; i. dividing the total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by the number of the plurality of entities, resulting in a first score consistency value; and j. outputting the first score consistency value.
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20. A computer-implemented method for determining score consistency, comprising:
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a. generating by a computer a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score is predictive of credit risk; b. generating by a computer a second score for each of the plurality of entities using the same or a different scoring algorithm, wherein the second score is predictive of credit risk; c. generating by a computer a third score for each of the plurality of entities using the same or a different scoring algorithm, wherein the third score is predictive of credit risk; d. ranking by a computer the plurality of entities by the first score, resulting in a first ranked list; e. ranking by a computer the plurality of entities by the second score, resulting in a second ranked list; f. ranking by a computer the plurality of entities by the third score, resulting in a third ranked list; g. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups; h. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups; i. assigning, based on the third ranked list, each of the plurality of entities to one of a third plurality of risk groups, wherein the third plurality of risk groups corresponds to the first and second pluralities of risk groups; j. determining by a computer, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first, second, and third ranked lists; k. determining by a computer a total number of entities assigned to the same corresponding risk groups across the first, second, and third ranked lists by adding the numbers determined in step j; l. dividing the total number of entities assigned to the same corresponding risk groups across the first, second, and third ranked lists by the number of the plurality of entities, resulting in a first score consistency value; and m. outputting by a computer the first score consistency value.
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21. A computer-implemented method for determining score consistency, comprising:
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a. generating by a computer a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score reflects credit worthiness; b. generating by a computer a second score for each of the plurality of entities using a second scoring algorithm, wherein the second score reflects credit worthiness; c. generating by a computer a third score for each of the plurality of entities using a third scoring algorithm, wherein the third score reflects credit worthiness; d. ranking by a computer the plurality of entities by the first score, resulting in a first ranked list; e. ranking by a computer the plurality of entities by the second score, resulting in a second ranked list; f. ranking by a computer the plurality of entities by the third score, resulting in a third ranked list; g. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups; h. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups; i. assigning, based on the third ranked list, each of the plurality of entities to one of a third plurality of risk groups, wherein the third plurality of risk groups corresponds to the first and second pluralities of risk groups; j. determining by a computer, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first, second, and third ranked lists; k. determining by a computer a total number of entities assigned to the same corresponding risk groups across the first, second, and third ranked lists by adding the numbers determined in step j; l. dividing the total number of entities assigned to the same corresponding risk groups across the first, second, and third ranked lists by the number of the plurality of entities, resulting in a score consistency value; and m. outputting by a computer the score consistency value.
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22. A system for determining score consistency, comprising:
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a memory configured to store scoring consistency data; and a processor, configured to perform steps comprising a. generating a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score is predictive of credit risk; b. generating a second score for each of the plurality of entities using the same or a different scoring algorithm, wherein the second score is predictive of credit risk; c. generating a third score for each of the plurality of entities using the same or a different scoring algorithm, wherein the third score is predictive of credit risk; d. ranking the plurality of entities by the first score, resulting in a first ranked list; e. ranking the plurality of entities by the second score, resulting in a second ranked list; f. ranking the plurality of entities by the third score, resulting in a third ranked list; g. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups; h. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups; i. assigning, based on the third ranked list, each of the plurality of entities to one of a third plurality of risk groups, wherein the third plurality of risk groups corresponds to the first and second pluralities of risk groups; j. determining, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first, second, and third ranked lists; k. determining a total number of entities assigned to the same corresponding risk groups across the first, second, and third ranked lists by adding the numbers determined in step j; l. dividing the total number of entities assigned to the same corresponding risk groups across the first, second, and third ranked lists by the number of the plurality of entities, resulting in a first score consistency value; and m. outputting the first score consistency value.
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23. A non-transitory computer readable medium having computer executable instructions embodied thereon for determining score consistency, the instructions comprising:
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a. generating a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score is predictive of credit risk; b. generating a second score for each of the plurality of entities using the same or a different scoring algorithm, wherein the second score is predictive of credit risk; c. generating a third score for each of the plurality of entities using the same or a different scoring algorithm, wherein the third score is predictive of credit risk; d. ranking the plurality of entities by the first score, resulting in a first ranked list; e. ranking the plurality of entities by the second score, resulting in a second ranked list; f. ranking the plurality of entities by the third score, resulting in a third ranked list; g. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups; h. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups; i. assigning, based on the third ranked list, each of the plurality of entities to one of a third plurality of risk groups, wherein the third plurality of risk groups corresponds to the first and second pluralities of risk groups; j. determining, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first, second, and third ranked lists; k. determining a total number of entities assigned to the same corresponding risk groups across the first, second, and third ranked lists by adding the numbers determined in step j; l. dividing the total number of entities assigned to the same corresponding risk groups across the first, second, and third ranked lists by the number of the plurality of entities, resulting in a first score consistency value; and m. outputting the first score consistency value.
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Specification