Title:
METHOD AND SYSTEM FOR COMMERCIAL CREDIT ANALYSIS
Document Type and Number:
WIPO Patent Application WO1999009517
Kind Code:
A9
Abstract:
This invention describes a method and system for assimilating data, applying resoning mechanisms, and emulating the thought processes of a credit officer (53) for commercial credit analysis. The system aids a credit officer (53) in the risk assessment and completion of a loan package. The system thereby improves loan turnaround time and customer service, improving loan servicing capacity, quality,and consistency of credit decisions, and reducing costs. The system includes: 1) a conventional data base management system subsystem that manages and collects data via electronic access and end-user data entry; and 2) a decision support expert system that applies a knowledge base (30) and inference engine (25) (collectively known as an assessment model) utilizing an evidence tree and a generalized weighting approach to analyze credit requests.
Inventors:
FLETCHER BRUCE ALAN
BHAT SANDEEP
DIDNER IRA
FREUNDLICH YEHUDAH
KOLODZIEJSKI RICHARD
SCHODER JOSEPH
BHAT SANDEEP
DIDNER IRA
FREUNDLICH YEHUDAH
KOLODZIEJSKI RICHARD
SCHODER JOSEPH
Application Number:
PCT/US1998/015803
Publication Date:
May 06, 1999
Filing Date:
August 04, 1998
Export Citation:
Assignee:
CITIBANK NA (US)
International Classes:
G06Q40/00; (IPC1-7): G06K15/00
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