Method and apparatus for pattern generation
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United States of America Patent
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Jan 25, 2000
Grant Date -
N/A
app pub date -
May 27, 1997
filing date -
May 27, 1997
priority date (Note) -
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Abstract
Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data feature for assessing credit risks. The financial data feature is extracted from the transaction data. The method involves obtaining the transaction data from a data source, and performing a set of operations on the transaction data to transform the transaction data into the financial data feature. The set of operations is selected only from a predefined set of classes of operations which are interrelated by a predefined order of precedence. Each operation in the set of operations is performed in an order based on the predefined order of precedence of a class associated with each operator.
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