Data analytics database and platform system and method
US10282781B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 9, 2015 |
| Grant date | May 7, 2019 |
| Priority date | — |
| Expiry date | Jul 19, 2037 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q50/16
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A data analytics platform system includes a first database including economic forecast, house pricing, unemployment, and interest rate data object structures. A second database includes data object structures associated with attributes of mortgage loans and borrowers. A first module performs projections for predicting a monthly status on performing and modified performing mortgage loans. A second module performs projections of lifetime outcomes for delinquent mortgage loans. A third module performs calculations of mortgage loan level credit losses and timing parameters of loan loss recognition attributes. A fourth module performs calculations of forecasted mortgage loan performance attributes, mortgage loan contract terms, and interest rates to generate mortgage loan level cash flow data analytics. A fifth module summarizes projections of data performance analytics over a forecasted period of time, and creates an electronic summary report of the projections. An electric signal generator, a signal converter, and a display device output the electronic report.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.