Title:
個々の申込者のための期限前返済スコアを決定するための方法及び装置
Document Type and Number:
Japanese Patent JP2004511035
Kind Code:
A
Abstract:
A method and apparatus is disclosed for determining the prepayment propensity of individual borrowers. Early payment of debt instruments, such as loans and leases, can lead to losses being suffered by lenders. The present invention analyzes the demographics associated with a particular borrower to determine both the individual and group based prepayment propensity. The history of the borrower, the history of the borrower's demographic group, interest rate trends and other factors are then used to calculate a prepayment score that can be used by the lender to determine the propensity of a given borrower to prepay the instrument in question. The score of the individual borrower can be used to estimate the profitability of a debt instrument and allow the lender to make appropriate adjustments prior to issuing the instrument. The individual prepayment scores of a lender's or broker's clients can also be used to rate the lender or broker.
Inventors:
Yuri Garperin
Vladimir Fishman
William A. Edington
Vladimir Fishman
William A. Edington
Application Number:
JP2002523116A
Publication Date:
April 08, 2004
Filing Date:
August 30, 2001
Export Citation:
Assignee:
Market Switch Corporation
International Classes:
G06Q90/00; G06F19/00; G06Q40/00; (IPC1-7): G06F17/60; G06F19/00
Attorney, Agent or Firm:
Aoyama Aoi
Osamu Kawamiya
Osamu Kawamiya