Sap Ag

Gustavo Ayres De Castro

Denis Malov

Wei Sun

Mohammed Mneimneh

A computing system () receives transaction records () for loans taken at various interest rates () for a loan segment (). Performance indicators () indicative of customer behaviors () are computed () using independent demand models (, and). Computing system () includes a performance indicator forecaster () that determines relationships between the performance indicators () and various prices, or interest rates (). These relationships can include profit () and/or volume () relative to the various interest rates (). The relationships are utilized to select an interest rate () for the product segment () for implementation by a financial institution.

System and computer program for modeling and pricing loan products

A computer-implemented method transforms transactional data into a forecast of demand for controlling a commerce system. Goods move between members of a commerce system. The transactional data is recorded. Daily disaggregating parameters (DDP) are estimated by minimizing an error function of day of week and transactional data grouped according to promotion, price range, or customer. Model parameters are estimated based on the DDP and transactional data using a demand model to generate a weekly forecast of demand for the good. The weekly forecast of demand is disaggregated into daily components using the DDP. The daily components of the forecast of demand are provided to a member of the commerce system to control the movement of goods in the commerce system. Any variation in the demand model due to promotions, price changes, out-of-stock, and low selling product is taken into account when determining the daily components.

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Scottsdale, AZ, United States of America

Gustavo Ayres De Castro