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:
Sep. 03, 2013
Filed:
Jan. 22, 2010
Yanghong Shao, Charlotte, NC (US);
Debashis Ghosh, Charlotte, NC (US);
Thayer S. Allison, Jr., Charlotte, NC (US);
Mark V. Krein, Charlotte, NC (US);
David Joa, Irvine, CA (US);
Kurt D. Newman, Matthews, NC (US);
Timothy J. Bendel, Charlotte, NC (US);
Sudeshna Banerjee, Waxhaw, NC (US);
Yanghong Shao, Charlotte, NC (US);
Debashis Ghosh, Charlotte, NC (US);
Thayer S. Allison, Jr., Charlotte, NC (US);
Mark V. Krein, Charlotte, NC (US);
David Joa, Irvine, CA (US);
Kurt D. Newman, Matthews, NC (US);
Timothy J. Bendel, Charlotte, NC (US);
Sudeshna Banerjee, Waxhaw, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods. In one embodiment, the systems, methods, and computer program products are configured to predict lateness characteristics of a lending portfolio.