Systems and methods for analyzing data

Abstract

Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. The segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.

1 . A method for providing information related to an individual's credit risk assessment, the method comprising:
 accessing information indicating that an individual has been assigned to at least a first segment and a second segment indicating respective types of financial history or credit risk associated with the individual;   determining, using one or more computer processors, a first relative impact of the assignment of the individual to the first segment on a risk score for the individual;   in response to determining that the first relative impact is greater than a first threshold amount, selecting a first adverse action code associated with assignment of the individual to the first segment;   determining, using one or more computer processors, a second relative impact of the assignment of the individual to the second segment on the risk score for the individual; and   in response to determining that the second relative impact is greater than a second threshold amount, selecting a second adverse action code associated with assignment of the individual to the second segment.   
     
     
         2 . The method of  claim 1 , wherein the first relative impact comprises a first percentage drop of the risk score due to the assignment of the individual to the first segment and the second relative impact comprises a second percentage drop of the risk score due to the assignment of the individual to the second segment. 
     
     
         3 . The method of  claim 1 , wherein the first relative impact is a ratio of a first drop of the risk score due to the assignment of the individual to the first segment to a difference between a maximum risk score and the risk score for the individual, and the second relative impact is a ratio of a second drop of the risk score due to the assignment of the individual to the second segment to a difference between the maximum risk score and the risk score for the individual. 
     
     
         4 . The method of  claim 1 , wherein the first segment and second segment to which the individual is assigned indicate credit events for the individual. 
     
     
         5 . The method of  claim 1 , wherein the first segment is a bankruptcy segment. 
     
     
         6 . The method of  claim 5 , wherein the second segment is a risk segment. 
     
     
         7 . The method of  claim 1 , wherein the first and second adverse action codes are indications that are related to the first and second relative impacts of the assignment of the individual to the respective first and second segments. 
     
     
         8 . The method of  claim 1 , wherein the second segment is a sub-segment of the first segment and below the first segment in a segmentation hierarchy. 
     
     
         9 . The method of  claim 1 , wherein the first and second adverse action codes indicate specific reasons why a final risk score for the individual is less than a maximum possible risk score. 
     
     
         10 . The method of  claim 1 , further comprising:
 determining a number of first adverse action codes to allot to the first segment based on the relative impact of the assignment of the individual to the first segment;   allocating the determined number of adverse action codes for the first segment;   determining a number of second adverse action codes to allot to the second segment based on the relative impact of the assignment of the individual to the second segment; and   allocating the number of second adverse action codes for the second segment.   
     
     
         11 . The method of  claim 10 , further comprising determining a total number of adverse action codes to allocate based at least in part on one or more of: attributes of the individual, the risk score of the individual, and other characteristics related to scoring of the individual. 
     
     
         12 . A computing system comprising:
 one or more processors;   a segmentation module executable by the one or more processors and configured to:
 access information indicating that an individual has been assigned to at least a first segment and a second segment that are each associated with particular types of financial history or credit risk associated with the individual; and 
   a risk impact assessment module executable by the one or more processors and configured to:
 determine a first relative impact of the assignment of the individual to the first segment on a risk score for the individual; 
 if the first relative impact of the assignment of the individual to the first segment is greater than a threshold amount, provide a first indication that is related to the impact of the assignment of the individual to the first segment on the risk score for the individual; 
 determine, using one or more computer processors, a second relative impact of the assignment of the individual to the second segment on the risk score for the individual; and 
 if the second relative impact of the assignment of the individual to the second segment is greater than a threshold amount, provide a second indication that is related to the impact of the assignment of the individual to the second segment on the risk score for the individual. 
   
     
     
         13 . The system of  claim 12 , wherein the first relative impact comprises a first percentage drop of the risk score due to the assignment of the individual to the at first segment and the second relative impact comprises a second percentage drop of the risk score due to the assignment of the individual to the at second segment. 
     
     
         14 . The system of  claim 12 , wherein the second segment is a sub-segment of the first segment and below the first segment in a segmentation hierarchy. 
     
     
         15 . The system of  claim 12 , wherein the first segment is a bankruptcy segment. 
     
     
         16 . The system of  claim 12 , wherein the first and second adverse action codes indicate specific reasons why the risk score for the individual is less than a maximum possible risk score. 
     
     
         17 . A method for providing information related to an individual's credit risk assessment, the method comprising:
 accessing information indicating that an individual is assigned to a segmentation hierarchy including a plurality of segments, wherein the segments indicate respective types of financial history and/or credit risk associated with the individual;   determining, using one or more computer processors, respective relative impacts of assignment of the individual to segments in the segmentation hierarchy; and   in response to determining for a respective segment that the relative impact of assignment is above a threshold, allocating at least one adverse action code associated with assignment of the individual to the respective segment.   
     
     
         18 . The method of  claim 17  wherein the relative impact is a ratio of a drop of a risk score due to the assignment of the individual to the respective segment to a difference between a maximum risk score and the risk score for the individual. 
     
     
         19 . The method of  claim 17 , wherein the at least one adverse action code indicates a specific reason why the risk score for the individual is less than a maximum possible risk score. 
     
     
         20 . The method of  claim 17 , wherein each segment of the segmentation hierarchy indicates credit events for the individual.