Methods and systems for determining roll rates of loans
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
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Mar 6, 2007
Grant Date -
Oct 18, 2001
app pub date -
Dec 29, 2000
filing date -
Dec 29, 1999
priority date (Note) -
In Force
status (Latency Note)
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Abstract
The present invention, in one aspect, relates to tools for forecasting cash flow and income from a collateral based loan portfolio that are particularly useful in volatile markets. In one specific embodiment, consumer payment behavior is modeled, and account movement is simulated. For each month, actual payment amounts can be compared to delinquency, and frequency of payment can be compared to delinquency. Actual performance is then applied to current contractual payments for forecasting. In addition, the models facilitate determination of where payments are coming from, i.e., who is paying.
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