Loan information analysis system and method
US8438096B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 16, 2012 |
| Grant date | May 7, 2013 |
| Priority date | — |
| Expiry date | Jul 16, 2032 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Computer-implemented methods and systems for evaluating residential mortgage loan backed security products in which electronic loan data for the same individual loans is received from two or more different loan information providers, and the electronic loan data for respective individual loans received from the loan information providers is integrated. Thereafter, each individual loan in the integrated loan data is scored with a risk score based on a plurality of risk attributes of each individual loan; pre-defined forecast vectors are applied to the bucketed loans; cash flow forecasts are generated for the bucketed loans; and a price and/or yield for each bucketed loan is derived based on the cash flow forecasts.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.