WO2007005602A3 - Method and apparatus for rating asset-backed securities - Google Patents
Method and apparatus for rating asset-backed securities Download PDFInfo
- Publication number
- WO2007005602A3 WO2007005602A3 PCT/US2006/025569 US2006025569W WO2007005602A3 WO 2007005602 A3 WO2007005602 A3 WO 2007005602A3 US 2006025569 W US2006025569 W US 2006025569W WO 2007005602 A3 WO2007005602 A3 WO 2007005602A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- asset
- rating
- backed securities
- sow
- outputs
- Prior art date
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Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Marketing (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Share of Wallet ('SOW') is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The likelihood of default determined by the SOW model, when applied to a loan portfolio, can reduce the amount of credit enhancement required for an asset-backed securities rating.
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
MX2007012294A MX2007012294A (en) | 2005-06-30 | 2006-06-30 | Method and apparatus for rating asset-backed securities. |
CA002592944A CA2592944A1 (en) | 2005-06-30 | 2006-06-30 | Method and apparatus for rating asset-backed securities |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US11/169,589 | 2005-06-30 | ||
US11/169,589 US7610243B2 (en) | 2004-10-29 | 2005-06-30 | Method and apparatus for rating asset-backed securities |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2007005602A2 WO2007005602A2 (en) | 2007-01-11 |
WO2007005602A3 true WO2007005602A3 (en) | 2007-05-18 |
Family
ID=37605032
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2006/025569 WO2007005602A2 (en) | 2005-06-30 | 2006-06-30 | Method and apparatus for rating asset-backed securities |
Country Status (4)
Country | Link |
---|---|
US (1) | US7610243B2 (en) |
CA (1) | CA2592944A1 (en) |
MX (1) | MX2007012294A (en) |
WO (1) | WO2007005602A2 (en) |
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2005
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2006
- 2006-06-30 CA CA002592944A patent/CA2592944A1/en not_active Abandoned
- 2006-06-30 WO PCT/US2006/025569 patent/WO2007005602A2/en active Application Filing
- 2006-06-30 MX MX2007012294A patent/MX2007012294A/en unknown
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
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US20020194099A1 (en) * | 1997-10-30 | 2002-12-19 | Weiss Allan N. | Proxy asset system and method |
US6324524B1 (en) * | 1998-11-03 | 2001-11-27 | Nextcard, Inc. | Method and apparatus for an account level offer of credit and real time balance transfer |
US20030046223A1 (en) * | 2001-02-22 | 2003-03-06 | Stuart Crawford | Method and apparatus for explaining credit scores |
US20030101131A1 (en) * | 2001-11-01 | 2003-05-29 | Warren Mary Carter | System and method for establishing or modifying an account with user selectable terms |
US20040002916A1 (en) * | 2002-07-01 | 2004-01-01 | Sarah Timmerman | Systems and methods for managing balance transfer accounts |
Also Published As
Publication number | Publication date |
---|---|
MX2007012294A (en) | 2007-12-07 |
US20060242047A1 (en) | 2006-10-26 |
CA2592944A1 (en) | 2007-01-11 |
US7610243B2 (en) | 2009-10-27 |
WO2007005602A2 (en) | 2007-01-11 |
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