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11. 发明授权

US08521631B2 Computer-implemented systems and methods for loan evaluation using a credit assessment framework 有权
标题翻译：使用信用评估框架的计算机实施的贷款评估系统和方法
公开(公告)号：US08521631B2
公开(公告)日：2013-08-27
申请号：US12474941
申请日：2009-05-29
申请人： Clark Richard Abrahams , Mingyuan Zhang
发明人： Clark Richard Abrahams , Mingyuan Zhang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/06
摘要： Systems and methods are provided for evaluating loan applications. A computer environment can include a loan evaluation system which operates on a processor-based system and which evaluates loan applications. A credit assessment framework is also provided for operating on the processor-based system and has a data connection to the loan evaluation system. The credit assessment framework generates a categorization of credit risk for each of the loan applications to be evaluated.
摘要翻译：提供系统和方法来评估贷款申请。计算机环境可以包括在基于处理器的系统上操作并且评估贷款应用的贷款评估系统。还提供信用评估框架，用于在基于处理器的系统上运行，并与贷款评估系统建立数据连接。信贷评估框架对每个要评估的贷款申请产生信用风险的分类。

12. 发明授权

US08498931B2 Computer-implemented risk evaluation systems and methods 有权
标题翻译：计算机实施的风险评估体系和方法
公开(公告)号：US08498931B2
公开(公告)日：2013-07-30
申请号：US13561121
申请日：2012-07-30
申请人： Clark Richard Abrahams , Mingyuan Zhang
发明人： Clark Richard Abrahams , Mingyuan Zhang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/025
摘要： Systems and methods are provided for evaluating risks associated with alternative strategies for assessing an entity with respect to a predetermined objective. A system includes an action table that contains a plurality of possible actions that can be taken with respect to the predetermined objective for various entity profiles. One or more statistical data stores are configured to contain risk amounts associated with each entity profile, where the one or more statistical data stores are configured to contain inferred percentage distribution of applicants associated with each entity profile. One or more profile identification data stores contain entity identification information for use in determining an action for the entity. One or more improvement data stores provide an indication in the improvement in risk based upon a change in one or more characteristics for an entity profile.
摘要翻译：提供了系统和方法，用于评估与根据预定目标评估实体的替代策略相关的风险。一种系统包括动作表，该动作表包含关于各种实体简档的预定目标可以采取的多个可行动。一个或多个统计数据存储被配置为包含与每个实体简档相关联的风险量，其中一个或多个统计数据存储被配置为包含与每个实体简档相关联的申请人的推断的百分比分布。一个或多个简档识别数据存储包含用于确定该实体的动作的实体标识信息。一个或多个改进数据存储器基于实体简档的一个或多个特性的改变来提供改进风险的指示。

13. 发明申请

US20120311084A1 PROCESSING DEVICES AND METHODS FOR TRANSMITTING AND RECEIVING DATA 有权
标题翻译：处理设备和用于发送和接收数据的方法
公开(公告)号：US20120311084A1
公开(公告)日：2012-12-06
申请号：US13577679
申请日：2010-07-27
申请人： Mingyuan Zhang
发明人： Mingyuan Zhang
IPC分类号： G06F15/16
CPC分类号： H04L69/04 , H03M7/6041 , H03M13/09 , H03M13/095 , H03M13/6312 , H04L1/0061
摘要： Processing devices and methods for transmitting and receiving data are provided. By performing multiple checks on the downloaded control data packets and the decompressed control data, the data status of each process can be known during the processes from the data packets downloading to decompression. And the correct processing can be performed, thus avoiding loading and running failure caused by incomplete data.
摘要翻译：提供了用于发送和接收数据的处理设备和方法。通过对下载的控制数据分组和解压缩控制数据进行多次检查，在从数据分组下载到解压缩的处理期间，可以知道每个进程的数据状态。并且可以执行正确的处理，从而避免由不完整的数据引起的加载和运行故障。

14. 发明申请

US20110125671A1 Systems And Methods For Underlying Asset Risk Monitoring For Investment Securities 有权
标题翻译：投资证券资产风险监控系统与方法
公开(公告)号：US20110125671A1
公开(公告)日：2011-05-26
申请号：US12950153
申请日：2010-11-19
申请人： Mingyuan Zhang , Clark Richard Abrahams
发明人： Mingyuan Zhang , Clark Richard Abrahams
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/06
摘要： Systems and methods are provided for evaluating asset risks using categories of primary loan underwriting factors, which are associated with a pre-selected number of variables. An initial handle-based tree data structure is created in a computer memory based upon the primary loan underwriting factors associated with a loan, where the initial handle-based tree data structure includes a plurality of handle cells that segment a population of loans according to values of the pre-selected variables. The depth of the initial handle-based tree data structure is the number of variables associated with the primary loan underwriting factors, and a branch of the initial handle-based tree data structure is based on a value of one of the pre-selected variables. The initial handle-based tree data structure is modified by combining handle cells which contain least significant splits. A rank ordering of the modified handle-based tree data structure is performed, and the rank ordered handle-based tree data structure is used to segment portfolio data.
摘要翻译：提供了系统和方法，用于使用与预先选定数量的变量相关联的主要贷款承保因素的类别来评估资产风险。基于与贷款相关联的主要贷款承保因素在计算机存储器中创建初始的基于句柄的树数据结构，其中初始基于句柄的树数据结构包括根据值分段贷款人群的多个句柄单元的预选变量。初始基于句柄的树数据结构的深度是与主要贷款承保因子相关联的变量的数量，并且初始基于句柄的树数据结构的分支基于预选变量之一的值。通过组合包含最小分割的句柄单元来修改初始的基于句柄的树数据结构。执行修改的基于句柄的树数据结构的排序，并且使用基于句柄的树数据结构的等级排序组合数据。

15. 发明申请

US20090299896A1 Computer-Implemented Systems And Methods For Integrated Model Validation For Compliance And Credit Risk 有权
标题翻译：计算机实施的系统和方法用于合规性和信用风险的集成模型验证
公开(公告)号：US20090299896A1
公开(公告)日：2009-12-03
申请号：US12475150
申请日：2009-05-29
申请人： Mingyuan Zhang , Clark Richard Abrahams
发明人： Mingyuan Zhang , Clark Richard Abrahams
IPC分类号： G06Q40/00 , G06N5/02 , G06Q10/00
CPC分类号： G06Q40/08 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/06
摘要： Computer-implemented systems and methods are provided for model validation of a model for compliance and credit risk. Model input, output, and processing validation areas are contained on a computer system. A handle data structure connects the model validation areas with handles that comprise a unified metric. A handle represents combinations of covariate patterns and describes the joint distribution of risk characteristics.
摘要翻译：提供了计算机实现的系统和方法，用于模型验证合规性和信用风险模型。模型输入，输出和处理验证区域包含在计算机系统上。句柄数据结构将模型验证区域与包含统一度量的句柄相连接。句柄表示协变量模式的组合，并描述了风险特征的联合分布。

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