Systems and methods for analyzing data

Details Systems and methods for analyzing data Systems and methods for analyzing data

G - Physics

06

Q

G06Q 40/00 (2006.01)

Patent

CA 2645312

Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. Thus, the segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.

L'information concernant des individus entrant dans la définition de mauvaise performance, notamment des individus qui ont préalablement connu des défaillances sur un instrument financier ou qui ont déclaré faillite, sert à la mise au point d'un modèle permettant de déterminer si un individu n'entrant pas dans la définition de mauvaise performance est plus susceptible de connaître ultérieurement des défaillances sur un instrument financier ou de déclarer faillite. Ce modèle peut s'utiliser pour générer une note pour chaque individu, et cette note peut s'utiliser pour classer l'individu dans un segment d'une structure de segmentation réunissant des individus aux notes correspondantes, les segments pouvant comporter différents modèles permettant de générer une note finale de risque pour les individus affectés aux segments considérés. Ainsi, le segment auquel est affecté un individu, qui peut se déterminer sur la base au moins en partie de la note affectée à l'individu, peut se répercuter sur la note finale de risque donnée à cet individu.

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