The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 11, 2012
Filed:
Oct. 05, 2001
Nikolas Sulkowski, New Canaan, CT (US);
Leonard Laufer, Scarsdale, NY (US);
Nana Banerjee, White Plains, NY (US);
Nikolas Sulkowski, New Canaan, CT (US);
Leonard Laufer, Scarsdale, NY (US);
Nana Banerjee, White Plains, NY (US);
Argus Information and Advisory Services, Inc., White Plains, NY (US);
Abstract
The present invention relates to a system and method for estimating the future and present value of credit accounts (FIG.). A plurality of profit driver segments () are established. A degree of belonging of the credit account to each of the plurality of profit driver segments () is determine by characterizing the credit account based upon it historical behavior (). The probability of migration of the credit account from at least one profit driver segment () to at least one profit driver segment based upon historical behavior data is determined. The credit account can then be valued based upon the characterization of the credit account and the determined probability of migration. By examinating how accounts migrate between behavior segments over multiple periods, and analyzing the discounted cash flows associated with these migration patterns, a net present value may be calculated for each account.