A method and apparatus for generating segmentation...

Details A method and apparatus for generating segmentation... A method and apparatus for generating segmentation...

G - Physics

06

Q

G06Q 40/00 (2006.01)

Patent

CA 2260348

The present invention is a method and apparatus that uses a plurality of predetermined segments to group credit applicants to evaluate each applicant's credit risk. The segments are based on at least one of reported trades, reported delinquency, bank card utilization, and length of said credit history. A score is generated for each applicant based on a unique scorecard designed for each segment. The unique scorecards allow more accurate credit risk assessment by evaluating each applicant in view of that segment's tendency to be bad credit risks.

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