American Express Travel Related Services Company, Inc.

Prasanta Sahu

Kathleen Haggerty

Chao M Yuan

Di W Xu

Aashish Prakash

Tirthankar Choudhuri

Amber Gupta

Jayatu Sen Chaudhury

The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.

Consumer behaviors at lender level

Predictive models are developed automatically for a plurality of modeling variables. The plurality of modeling variables is transformed, based on a transformation rule. A clustering of the transformed modeling variables is performed to create variable clusters. A set of variables is selected from the variable clusters based on a selection rule. A regression of the set of variables is performed to determine prediction variables. The prediction variables are utilized in developing a predictive model. The development of the predictive model may include modification of the predictive model, review of the plurality of transformations, and validation of the predictive model.

Automated predictive modeling of business future events based on transformation of modeling variables

The present invention generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.

Automated predictive modeling of business future events based on historical data

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Jersey City, NJ, United States of America

Prasanta Sahu