WO2013180700A1 - Credit behavior network mapping - Google Patents
Credit behavior network mapping Download PDFInfo
- Publication number
- WO2013180700A1 WO2013180700A1 PCT/US2012/039972 US2012039972W WO2013180700A1 WO 2013180700 A1 WO2013180700 A1 WO 2013180700A1 US 2012039972 W US2012039972 W US 2012039972W WO 2013180700 A1 WO2013180700 A1 WO 2013180700A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- entity
- identifier
- credit
- processor
- search
- 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
- G06Q10/00—Administration; Management
-
- 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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
-
- 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
- G06Q40/03—Credit; Loans; Processing thereof
Definitions
- FIG. 9 is a further method for evaluating the credit behavior of an entity.
- Creditors of entity 205 include entity 210 and entity 220.
- credit network map 200 provides additional companies within the global supply chain, such as creditors' creditor, are also provided.
- Entity 215 is a creditor of entity 210.
- entity 225 is a creditor of entity 220 and entity 240 is a creditor of entity 235.
- the dotted lines connected to each of entity 215, entity 225 and entity 240 represent and unlimited number of creditors ' creditor within the global supply chain. That is, credit network map 200 can be extended to include any desired depth or width of related companies.
- companies having a hierarchical relationship to entity 205 include entity 230.
- This hierarchical relationship can include a parent relationship, a subsidiary relationship or a relative relationship that is neither a parent nor subsidiary.
- entity 230 is a subsidiary of entity 205.
- credit network map 200 includes peers 250 that are peers of entity 205.
- Peers 250 are companies from the same industry as entity 205, and are
- Processor 110 executes instructions from program module 120 to yield financial network maps 155 such as credit network map 200 provided in FIG. 2.
- the first entity can be entity 205
- the second entity can be entity 210
- the third entity can be entity 215.
- the first search returns the identifier of entity 210
- the second search returns the identifier of entity 215 and entity 215 is a creditor of entity 210.
- the relationship between entity 210 and entity 205 is that entity 210 is a creditor of entity 205.
- Credit network map 200 further illustrates a data structure that defines a path between entity 205 and entity 215. via entity 210.
- Credit network map 300 is another embodiment of a global financial chain in relation to entity 205.
- credit network map 300 further illustrates inquiring companies that demonstrate interest in entity 205 or entity 230 via credit inquiries, and, further, companies related to the inquiring companies, e.g., creditors of the inquiring company.
- Processor 1 10 executes instructions from program module 120 to yield financial network maps 155 such as credit network map 300. Instructions from program module 120 that cause processor 110 to yield credit network map 200, discussed above, are similarly employed to yield credit network map 300. [0055] Specifically, the instructions cause processor 1 10 to receive an identifier of a first entity, perform a first search of a database that returns an identifier of a second entity having a relationship with the first entity, perform a second search of a database that returns an identifier of a third entity that is a creditor of the second entity, and construct in a storage device, a data structure that defines a path between the first entity and the third entity via the second entity. Further, the instructions can cause processor 1 10 to evaluate a characteristic of the first entity as a function of a characteristic of the third entity.
- the identifier of the first entity can be entity 205.
- the first search returns an identifier of entity 305, e.g., the second entity having a relationship with the first entity.
- the relationship between entity 205 and entity 305 is that entity 305 is a maker of credit inquiry about entity 205.
- the second search of the database returns the identifier of entity 310, e.g., the third entity that is a creditor of the second entity.
- the second search returns an amount of credit extended from entity 310 to entity 305.
- Credit network map 300 further illustrates a data structure that defines the path between entity 205, e.g., the first entity, and entity 310, e.g., the third entity, via entity 305,e.g., the second entity.
- Credit network map 300 can further include the identifier of entity 205, the identifier of entity 305, the identifier of entity 310 and the amount of credit extended from entity 310 to entity 305.
- instructions from program module 120 can cause processor 1 10 to receive an identifier of a first entity, perform first search of a database that returns an identifier of a second entity that is hierarchically related to the first entity, perform a second search of a database that returns an identifier of a third entity that has made a credit inquiry about the second entity, and construct in a storage device, a data structure that defines a path between the first entity and the third entity, via the second entity. Further, the instructions can cause processor 1 10 to evaluate a characteristic about the first entity as a function of a characteristic of the third entity.
- the identifier of the first entity can be entity 205.
- the first search returns an identifier of entity 405, e.g., a creditor of the first entity.
- the second search returns the identifier of entity 410, e.g., a third entity that has made a credit inquiry about entity 405 (the second entity).
- FIG. 4 illustrates the data structure, constructed in a storage device, that defines the path between entity 205 and entity 410 via connecting lines.
- the instructions can further cause processor 1 10 to evaluate a characteristic of the first entity as a function of a characteristic of the third entity.
- processor 1 10 can evaluate the characteristic of credit risk of entity 205, i.e., the first entity, as function of the credit risk of entity 410, i.e., the third entity.
- Step 510 provides for searching a database for a second entity, e.g., entity 210, that is a creditor of the first entity. After step 510, method 500 progresses to step 515.
- a second entity e.g., entity 210
- Step 520 provides for constructing a data structure that defines a path between the first entity and the third entity, via the second entity. After step 510, method 500 progresses to step 525.
- Step 525 provides for evaluating a characteristic of the first entity as a function of a characteristic of the third entity.
- method 500 ends.
- FIG. 6 is a further method, i.e.. method 600, for evaluating the credit behavior of an entity.
- method 600 refers to a relationship between entities illustrated in financial relationship map 200 of FIG. 2. Specifically, method 600 refers to the relationship between entity 205, entity 230 and entity 235. Entity 230 is hierarchically related to entity 205, and entity 235 is a creditor of entity 230.
- Step 615 provides for searching a database for a third entity, e.g., entity 235, which is a creditor of the second entity. After step 615, method 600 progresses to step 620.
- a third entity e.g., entity 235
- Step 620 provides for constructing a data structure that defines a path between the first entity and the third entity via the second entity. After step 620, method 600 progresses to step 625.
- Step 625 provides for evaluating a characteristic of the first entity as a function of a characteristic of the third entity. After step 625, method 600 ends.
- FIG. 7 is a further method for evaluating the credit behavior of an entity.
- Step 715 provides for searching a database for a third entity, e.g., entity 310, that is a creditor of the second entity. After step 715, method 700 progresses to step 720.
- a third entity e.g., entity 310
- FIG. 8 is a further method for evaluating the credit behavior of an entity.
- Step 810 provides for searching a database for a second entity, e.g., entity 405, that is a creditor of the first entity. After step 810, method 800 progresses to step 815.
- a second entity e.g., entity 405
- FIG. 9 is a further method for evaluating the credit behavior of an entity.
- method 900 refers to a relationship between entities illustrated in financial relationship map 300 of FIG. 3. Specifically, method 900 refers to the relationship between entity 205, entity 230 and entity 325. Entity 230 is hierarchically related to entity 205, and entity 325 is a maker of a credit inquiry about entity 230.
- Step 910 provides for searching a database for a second entity, e.g., entity 230, that is hierarchically related to the first entity. After step 910, method 900 progresses to step 915.
- a second entity e.g., entity 230
Abstract
Description
Claims
Priority Applications (9)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN201280075055.8A CN104508623B (en) | 2012-05-30 | 2012-05-30 | Behavior of credit network mapping |
CA2874590A CA2874590A1 (en) | 2012-05-30 | 2012-05-30 | Credit behavior network mapping |
AU2012381098A AU2012381098A1 (en) | 2012-05-30 | 2012-05-30 | Credit behavior network mapping |
PCT/US2012/039972 WO2013180700A1 (en) | 2012-05-30 | 2012-05-30 | Credit behavior network mapping |
KR1020147033441A KR101720661B1 (en) | 2012-05-30 | 2012-05-30 | Credit behavior network mapping |
MX2014014523A MX2014014523A (en) | 2012-05-30 | 2012-05-30 | Credit behavior network mapping. |
RU2014153853/08A RU2573198C1 (en) | 2012-05-30 | 2012-05-30 | Credit behaviour network mapping |
JP2015514970A JP5770961B2 (en) | 2012-05-30 | 2012-05-30 | Credit behavior network mapping |
HK15109856.7A HK1209206A1 (en) | 2012-05-30 | 2015-10-08 | Credit behavior network mapping |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/US2012/039972 WO2013180700A1 (en) | 2012-05-30 | 2012-05-30 | Credit behavior network mapping |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2013180700A1 true WO2013180700A1 (en) | 2013-12-05 |
Family
ID=49673749
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2012/039972 WO2013180700A1 (en) | 2012-05-30 | 2012-05-30 | Credit behavior network mapping |
Country Status (9)
Country | Link |
---|---|
JP (1) | JP5770961B2 (en) |
KR (1) | KR101720661B1 (en) |
CN (1) | CN104508623B (en) |
AU (1) | AU2012381098A1 (en) |
CA (1) | CA2874590A1 (en) |
HK (1) | HK1209206A1 (en) |
MX (1) | MX2014014523A (en) |
RU (1) | RU2573198C1 (en) |
WO (1) | WO2013180700A1 (en) |
Citations (5)
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US20050144119A1 (en) * | 2003-03-19 | 2005-06-30 | The Norseman Group, Llc | Financing structure |
US20070239595A1 (en) * | 2006-04-11 | 2007-10-11 | Karen Setz | Credit data processing system for controlling electronic trading based on credit arrangements |
US20100235200A1 (en) * | 2004-03-15 | 2010-09-16 | Prieston Arthur J | Method and System for Offering Insurance for a Mortgage Pool Using a Risk Assessment |
US20110246356A1 (en) * | 2006-03-16 | 2011-10-06 | Banasiak Michael J | Method and apparatus for a model assessing debtor behavior |
US20110270779A1 (en) * | 2010-04-30 | 2011-11-03 | Thomas Showalter | Data analytics models for loan treatment |
Family Cites Families (9)
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RU2254611C2 (en) * | 2003-03-13 | 2005-06-20 | Общество с ограниченной ответственностью "Мобилити" | Method for providing mobile electronic communication devices users with actual commercial information on alternative basis (variants) and information system for realization of said method (variants) |
US6991276B2 (en) * | 2003-05-20 | 2006-01-31 | Mccauley Alvin D | Luggage loft assembly |
JP2006099492A (en) * | 2004-09-30 | 2006-04-13 | Hitachi Ltd | Loan decision index calculation system |
US20080133402A1 (en) * | 2006-09-05 | 2008-06-05 | Kerry Ivan Kurian | Sociofinancial systems and methods |
JP5186197B2 (en) * | 2007-12-19 | 2013-04-17 | 株式会社エヌ・ティ・ティ・データ | Evaluation apparatus, evaluation method, and evaluation program |
RU99630U1 (en) * | 2009-03-23 | 2010-11-20 | Григорий Рафаилович Лифшиц | EXCHANGE PLAYER (OPTIONS) |
CN101782992A (en) * | 2010-03-18 | 2010-07-21 | 万易通国际科技(北京)有限公司 | Online transaction system and method |
CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
CN102436622A (en) * | 2011-12-28 | 2012-05-02 | 浙江汇信科技有限公司 | Method for evaluating network market operator credit status |
-
2012
- 2012-05-30 KR KR1020147033441A patent/KR101720661B1/en active IP Right Grant
- 2012-05-30 MX MX2014014523A patent/MX2014014523A/en unknown
- 2012-05-30 CN CN201280075055.8A patent/CN104508623B/en active Active
- 2012-05-30 JP JP2015514970A patent/JP5770961B2/en not_active Expired - Fee Related
- 2012-05-30 WO PCT/US2012/039972 patent/WO2013180700A1/en active Application Filing
- 2012-05-30 RU RU2014153853/08A patent/RU2573198C1/en active
- 2012-05-30 CA CA2874590A patent/CA2874590A1/en not_active Abandoned
- 2012-05-30 AU AU2012381098A patent/AU2012381098A1/en not_active Abandoned
-
2015
- 2015-10-08 HK HK15109856.7A patent/HK1209206A1/en not_active IP Right Cessation
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20050144119A1 (en) * | 2003-03-19 | 2005-06-30 | The Norseman Group, Llc | Financing structure |
US20100235200A1 (en) * | 2004-03-15 | 2010-09-16 | Prieston Arthur J | Method and System for Offering Insurance for a Mortgage Pool Using a Risk Assessment |
US20110246356A1 (en) * | 2006-03-16 | 2011-10-06 | Banasiak Michael J | Method and apparatus for a model assessing debtor behavior |
US20070239595A1 (en) * | 2006-04-11 | 2007-10-11 | Karen Setz | Credit data processing system for controlling electronic trading based on credit arrangements |
US20110270779A1 (en) * | 2010-04-30 | 2011-11-03 | Thomas Showalter | Data analytics models for loan treatment |
Also Published As
Publication number | Publication date |
---|---|
JP2015518226A (en) | 2015-06-25 |
CA2874590A1 (en) | 2013-12-05 |
MX2014014523A (en) | 2015-02-24 |
JP5770961B2 (en) | 2015-08-26 |
RU2573198C1 (en) | 2016-01-20 |
HK1209206A1 (en) | 2016-03-24 |
CN104508623A (en) | 2015-04-08 |
AU2012381098A1 (en) | 2014-12-18 |
KR20150024320A (en) | 2015-03-06 |
KR101720661B1 (en) | 2017-03-28 |
CN104508623B (en) | 2016-09-21 |
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