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:
Mar. 19, 2013
Filed:
Jan. 25, 2010
Chisoo S. Lyons, San Rafael, CA (US);
Eric C. Wells, Berkeley, CA (US);
LU Gao, American Canyon, CA (US);
Bogdan E. Popescu, Hercules, CA (US);
Chisoo S. Lyons, San Rafael, CA (US);
Eric C. Wells, Berkeley, CA (US);
Lu Gao, American Canyon, CA (US);
Bogdan E. Popescu, Hercules, CA (US);
Fair Isaac Corporation, Minneapolis, MN (US);
Abstract
A decision model is applied to a set of current data from a mortgage portfolio to generate a first portfolio metric. The decision model is formed from a network of a plurality of predictive models that are trained on historical data derived from a plurality of mortgage account profiles for a plurality of mortgages within the mortgage portfolio. One or more of the predictive models is an action-based predictive model allowing modification of at least one attribute affecting performance of the mortgage portfolio. One or more of the attributes can be modified and a second portfolio metric can then be optimized, using the decision model, in light of at least one constraint (which can be user-defined). Related techniques, apparatus, systems, and articles are described.