Methods and systems for segmentation using multiple dependent variables

US8560434B2 · kind B2 · utility

Assignee

• VANTAGESCORE SOLUTIONS, LLC · US

Inventors

• Sherri Morris · Lawrenceville, US
• Chuck Robida · Roswell, US
• Lisa Zarikian · Alpharetta, US

Key dates

• Filing date: Mar 12, 2007
• Grant date: Oct 15, 2013
• Expiry date: Mar 12, 2027

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0204
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Methods and systems for optimal partitioning of segments in a consumer credit segmentation tree comprising defining a first attribute-based independent variable on a first tree using a primary dependent variable having two classes, defining a second attribute-based independent variable on the first tree using the primary dependent variable, defining risk tiers for the first attribute-based independent variable on the first tree using a first risk score and the primary dependent variable, defining risk tiers for the second attribute-based independent variable on the first tree using a second risk score and the primary dependent variable, superimposing the first tree structure, based on the primary dependent variable, onto a second tree, and defining profiles in the risk tiers for the second attribute-based independent variable with a profile dependent variable having two classes, completing the second tree, wherein the second tree is used to segment a population according to credit related behavior.