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    • 1. 发明申请
    • System and method for integrating risk and marketing objectives for making credit offers
    • 整合风险和营销目标制定信用报价的制度和方法
    • US20070050288A1
    • 2007-03-01
    • US11216797
    • 2005-08-31
    • Abhinanda SarkarDebasis BalSubrat Nanda
    • Abhinanda SarkarDebasis BalSubrat Nanda
    • G06Q40/00G06Q30/00
    • G06Q40/02G06Q30/0254G06Q30/0269G06Q40/025
    • A system for integrating business risk and marketing objectives into a unified business strategy for providing credit to one or more members of a target population is provided. The system comprises a database comprising risk data and marketing data associated with the members of the target population and a scoring model that receives the risk data and the marketing data from the database. The scoring model generates a set of risk scores and a set of marketing scores associated with the members of the target population over a range of additional credit that could be provided to the members of the target population. The system further comprises a network model and an optimization model. The network model collectively uses the risk scores and the marketing scores from the scoring model and generates a probability distribution of expected use of the credit over the range of additional credit that could be provided to the target population. The optimization model receives the distribution of expected use of the credit from the network model and determines the level of credit to offer the members of the target population in order to maximize a business measure subject to a set of business constraints.
    • 提供了将业务风险和营销目标整合到统一业务战略中以向目标人群的一个或多个成员提供信贷的系统。 该系统包括数据库,其包括与目标人群的成员相关联的风险数据和营销数据,以及从数据库接收风险数据和营销数据的得分模型。 评分模型产生一组风险评分和一组与目标人群成员相关的营销成绩,可以向目标人群的成员提供一系列额外信贷。 该系统还包括网络模型和优化模型。 网络模型共同使用来自评分模型的风险分数和营销分数,并产生可以向目标人群提供的额外信贷范围内信用预期使用的概率分布。 优化模型接收来自网络模型的信用预期使用的分配,并确定向目标人群成员提供的信用级别,以便最大限度地利用一组业务限制的业务量度。