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:
Oct. 15, 2013
Filed:
Mar. 12, 2007
Sherri Morris, Lawrenceville, GA (US);
Chuck Robida, Roswell, GA (US);
Lisa Zarikian, Alpharetta, GA (US);
Sherri Morris, Lawrenceville, GA (US);
Chuck Robida, Roswell, GA (US);
Lisa Zarikian, Alpharetta, GA (US);
Vantagescore Solutions, LLC, Stamford, CT (US);
Abstract
Methods and systems for optimal partitioning of segments in a consumer credit segmentation tree comprising defining a first attribute-based independent variable on a first tree using a primary dependent variable having two classes, defining a second attribute-based independent variable on the first tree using the primary dependent variable, defining risk tiers for the first attribute-based independent variable on the first tree using a first risk score and the primary dependent variable, defining risk tiers for the second attribute-based independent variable on the first tree using a second risk score and the primary dependent variable, superimposing the first tree structure, based on the primary dependent variable, onto a second tree, and defining profiles in the risk tiers for the second attribute-based independent variable with a profile dependent variable having two classes, completing the second tree, wherein the second tree is used to segment a population according to credit related behavior.