Inventors:
Michael Cohen - Denver CO, US
Chenyang Lian - Richmond CA, US
Andrew Leverentz - San Francisco CA, US
Frederic Huynh - Novato CA, US
Erik Franco - Napa CA, US
Gary Sullivan - San Francisco CA, US
Jeffrey Feinstein - Atlanta GA, US
Hui Zhu - Boston MA, US
Chetan Bhat - San Diego CA, US
International Classification:
G06Q 40/00
Abstract:
A cross-sectional model is provided that determines the relationship between macroeconomic factors and the odds to score relationship of a scoring model. The cross-sectional model takes economic data from various economic regions, as opposed to time periods, as input, and produces, as output, a prediction of the curve-of-best fit that relates a score to a probability (i.e., the probability of the outcome in question such as paying back a loan or filing an insurance claim, etc.). Related systems, methods and articles are also described.