Method and system for identifying consumer credit revolvers with neural network time series segmentation
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United States of America Patent
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Apr 29, 2003
Grant Date -
N/A
app pub date -
Jun 19, 2000
filing date -
Jun 19, 2000
priority date (Note) -
Expired
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Abstract
Initially, customer time series credit files are acquired. The credit files are organized in a data mart environment for supporting a query system. Time series utilization attributes are created and a neural network time series segmentation process is applied and N.times.N dimension segments are generated for analysis. The chart may be modified to more accurately depict profitable credit revolvers. Credit data from each potential new customer is processed in a similar fashion by the neural network segmentation process. Profitable credit revolvers are identified by having credit utilization patterns belonging to profitable segments previously identified.
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