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1. 发明申请

US20070055619A1 Systems and methods for analyzing disparate treatment in financial transactions 审中-公开
标题翻译：分析金融交易中不同待遇的制度和方法
公开(公告)号：US20070055619A1
公开(公告)日：2007-03-08
申请号：US11252696
申请日：2005-10-18
申请人： Clark Abrahams , Mingyuan Zhang
发明人： Clark Abrahams , Mingyuan Zhang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q40/02
摘要： Systems and methods are provided for analyzing disparate treatment in financial transactions. Data processing software instructions may be used to process lending-related data to identify a plurality of primary factors and one or more secondary factors for use making a lending-related decision. Model facilitation software instructions may be used to receive one or more relationships between the primary factors and the one or more secondary factors, wherein the relationships define criteria in which one or more positive secondary factors will compensate for a negative primary factor in making the lending-related decision. Model generation software instructions may be used to analyze lending-related data based on the primary factors, secondary factors and the one or more relationships.
摘要翻译：提供系统和方法，用于分析金融交易中的不同处理。数据处理软件指令可用于处理与借出相关的数据，以识别多个主要因素以及一个或多个次要因素用于进行贷款相关决定。模型便利化软件指令可以用于接收主要因素与一个或多个次要因素之间的一个或多个关系，其中所述关系定义了一个或多个正的次要因素将补偿制定贷款期限的负面主要因素的标准，相关决定。模型生成软件指令可用于基于主要因素，次要因素和一个或多个关系来分析与贷款相关的数据。

2. 发明申请

US20070050286A1 Computer-implemented lending analysis systems and methods 有权
标题翻译：计算机实施贷款分析系统和方法
公开(公告)号：US20070050286A1
公开(公告)日：2007-03-01
申请号：US11212289
申请日：2005-08-26
申请人： Clark Abrahams , Mingyuan Zhang
发明人： Clark Abrahams , Mingyuan Zhang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： In accordance with the teachings described herein, computer-implemented lending analysis systems and methods are provided. A pre-processing module may be used to organize loan applicant data into a plurality of applicant groups based on one or more demographic factors, wherein a protected class is identified from the plurality of applicant groups. An index generation module may be used to calculate a plurality of disparity indices for the protected class by comparing lending-related data for the protected class with lending-related data for one or more control groups selected from the applicant groups. An indicator generation module may be used to calculate one or more singular indicators for the protected class by comparing the disparity indices with one or more reference indices. The indicator generation module may be further used to calculate a global indicator as a function of a plurality of singular indicators.
摘要翻译：根据本文所述的教导，提供计算机实现的贷款分析系统和方法。可以使用预处理模块来基于一个或多个人口统计因素将贷款申请人数据组织到多个申请人组中，其中从多个申请人组中识别受保护的班级。索引生成模块可以用于通过将受保护类的贷款相关数据与从申请人组中选择的一个或多个控制组的借出相关数据进行比较来计算受保护类的多个差异指数。指示符生成模块可以用于通过将视差指数与一个或多个参考索引进行比较来计算受保护类的一个或多个奇异指示符。指示符生成模块还可用于计算作为多个单个指标的函数的全局指示符。

3. 发明申请

US20090150312A1 Systems And Methods For Analyzing Disparate Treatment In Financial Transactions 审中-公开
标题翻译：金融交易中不同待遇分析的系统与方法
公开(公告)号：US20090150312A1
公开(公告)日：2009-06-11
申请号：US12368453
申请日：2009-02-10
申请人： Clark R. Abrahams , Mingyuan Zhang
发明人： Clark R. Abrahams , Mingyuan Zhang
IPC分类号： G06F15/18
CPC分类号： G06Q40/025 , G06Q40/02
摘要： Systems and methods are provided for analyzing disparate treatment in financial transactions. Data processing software instructions may be used to process lending-related data to identify a plurality of primary factors and one or more secondary factors for use making a lending-related decision. Model facilitation software instructions may be used to receive one or more relationships between the primary factors and the one or more secondary factors, wherein the relationships define criteria in which one or more positive secondary factors will compensate for a negative primary factor in making the lending-related decision. Model generation software instructions may be used to analyze lending-related data based on the primary factors, secondary factors and the one or more relationships.
摘要翻译：提供系统和方法，用于分析金融交易中的不同处理。数据处理软件指令可用于处理与借出相关的数据，以识别多个主要因素以及一个或多个次要因素用于进行贷款相关决定。模型便利化软件指令可以用于接收主要因素与一个或多个次要因素之间的一个或多个关系，其中所述关系定义了一个或多个正的次要因素将补偿制定贷款期限的负面主要因素的标准，相关决定。模型生成软件指令可用于基于主要因素，次要因素和一个或多个关系来分析与贷款相关的数据。

4. 发明授权

US07805345B2 Computer-implemented lending analysis systems and methods 有权
标题翻译：计算机实施贷款分析系统和方法
公开(公告)号：US07805345B2
公开(公告)日：2010-09-28
申请号：US11212289
申请日：2005-08-26
申请人： Clark R. Abrahams , Mingyuan Zhang
发明人： Clark R. Abrahams , Mingyuan Zhang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： In accordance with the teachings described herein, computer-implemented lending analysis systems and methods are provided. A pre-processing module may be used to organize loan applicant data into a plurality of applicant groups based on one or more demographic factors, wherein a protected class is identified from the plurality of applicant groups. An index generation module may be used to calculate a plurality of disparity indices for the protected class by comparing lending-related data for the protected class with lending-related data for one or more control groups selected from the applicant groups. An indicator generation module may be used to calculate one or more singular indicators for the protected class by comparing the disparity indices with one or more reference indices. The indicator generation module may be further used to calculate a global indicator as a function of a plurality of singular indicators.
摘要翻译：根据本文所述的教导，提供计算机实现的贷款分析系统和方法。可以使用预处理模块来基于一个或多个人口统计因素将贷款申请人数据组织到多个申请人组中，其中从多个申请人组中识别受保护的班级。索引生成模块可以用于通过将受保护类的贷款相关数据与从申请人组中选择的一个或多个控制组的借出相关数据进行比较来计算受保护类的多个差异指数。指示符生成模块可以用于通过将视差指数与一个或多个参考索引进行比较来计算受保护类的一个或多个奇异指示符。指示符生成模块还可用于计算作为多个单个指标的函数的全局指示符。

5. 发明申请

US20090299911A1 Computer-Implemented Systems And Methods For Loan Evaluation Using A Credit Assessment Framework 有权
标题翻译：计算机实施的系统和贷款评估方法使用信用评估框架
公开(公告)号：US20090299911A1
公开(公告)日：2009-12-03
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。

6. 发明授权

US08549165B2 Processing devices and methods for transmitting and receiving data 有权
标题翻译：用于发送和接收数据的处理设备和方法
公开(公告)号：US08549165B2
公开(公告)日：2013-10-01
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。

7. 发明授权

US08515862B2 Computer-implemented systems and methods for integrated model validation for compliance and credit risk 有权
标题翻译：计算机实现的系统和方法，用于合规性和信用风险的综合模型验证
公开(公告)号：US08515862B2
公开(公告)日：2013-08-20
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： G60Q40/00
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。

8. 发明申请

US20120296806A1 Computer-Implemented Risk Evaluation Systems And Methods 有权
标题翻译：计算机实施的风险评估系统与方法
公开(公告)号：US20120296806A1
公开(公告)日：2012-11-22
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： G06Q40/02
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。

9. 发明授权

US08280805B1 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：US08280805B1
公开(公告)日：2012-10-02
申请号：US12325468
申请日：2008-12-01
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： Computer-implemented systems and methods are disclosed herein that relate to processes, which construct an empirically derived and statistically based risk evaluation and policy formulation system. For example, a process can be configured so as to accept as input an information base in computer readable form and produce either a single or multistage system composed of alternative decision making strategies.
摘要翻译：本文公开的计算机实现的系统和方法涉及到构建经验导出和统计学上的风险评估和策略制定系统的过程。例如，可以配置过程以便以计算机可读形式接受信息库作为输入，并产生由替代决策策略组成的单个或多个阶段的系统。

10. 发明授权

US08812384B2 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的系统和方法
公开(公告)号：US08812384B2
公开(公告)日：2014-08-19
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 associated with a pre-selected number of variables. An initial handle-based tree data structure is created based upon primary loan underwriting factors associated with a loan and includes a plurality of handle cells that segment loans according to values of the pre-selected variables. The initial handle-based tree data structure is modified by combining handle cells containing least significant splits and rank ordering of the modified handle-based tree data structure is performed to segment portfolio data.
摘要翻译：提供了系统和方法，用于使用与预选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创建基于手柄的树数据结构，并且包括根据预先选择的变量的值分段贷款的多个处理单元。通过组合包含最低有效分割的句柄单元和基于修改的基于句柄的树数据结构的秩排序来对段组合数据进行分段来修改初始基于句柄的树数据结构。

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