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 . (canceled) 
     
     
         2 . A computer system to segment a plurality of individuals into one of a plurality of segments of a segmentation structure, the computer system comprising:
 one or more hardware computer processors; and   one or more storage devices configured to store instructions configured for execution by the one or more hardware computer processors to cause the computer system to:
 obtain first data comprising financial and demographic information regarding a plurality of individuals that have defaulted on a financial instrument or declared bankruptcy, the first data indicating characteristics of the individuals at an observation time; 
 obtain second data comprising financial and demographic information regarding the plurality of individuals, the second data indicating financial behaviors during an outcome period that is after the observation time; 
 generate, based on the first and second data, a segmentation model configured to determine whether an individual that has not defaulted on a financial instrument or declared bankruptcy is more likely to default on a financial instrument or declare bankruptcy; 
 apply the segmentation model to financial and demographic information of a customer that has not defaulted on a financial instrument or declared bankruptcy; 
 responsive to an output of the segmentation model, assign the customer to a segment of a segmentation structure; 
 apply a risk score model associated with the segment to data associated with the customer to determine a risk score; 
 assign one or more adverse action codes to the customer based on the risk score; and
 provide, via a graphical user interface, the one or more adverse action codes to the customer. 
 
   
     
     
         3 . The system of  claim 2 , wherein the financial behaviors include repayment performance, bankruptcy filing, or response to a marketing offer. 
     
     
         4 . The system of  claim 2 , wherein the financial instrument is selected from the group consisting of a bank loan, an installment loan, a revolving load, and an automobile loan. 
     
     
         5 . The system of  claim 2 , wherein the segmentation structure comprises at least two hierarchical levels of segments. 
     
     
         6 . The system of  claim 2 , wherein the first data from the observation time is compared to the second data from the outcome period to generate the segmentation model. 
     
     
         7 . The system of  claim 2 , wherein the second data from the outcome period is exclusive of the first data at the observation time. 
     
     
         8 . The system of  claim 2 , wherein the outcome period is a  24  month period after the observation time. 
     
     
         9 . A computer-implemented method to segment a plurality of individuals into one of a plurality of segments of a segmentation structure, the method comprising:
 obtaining first data comprising financial and demographic information regarding a plurality of individuals that have defaulted on a financial instrument or declared bankruptcy, the first data indicating characteristics of the individuals at an observation time;   obtaining second data comprising financial and demographic information regarding the plurality of individuals, the second data indicating financial behaviors during an outcome period that is after the observation time;   generating, based on the first and second data, a segmentation model configured to determine whether an individual that has not defaulted on a financial instrument or declared bankruptcy is more likely to default on a financial instrument or declare bankruptcy;   applying the segmentation model to financial and demographic information of a customer that has not defaulted on a financial instrument or declared bankruptcy;   responsive to an output of the segmentation model, assigning the customer to a segment of a segmentation structure;   applying a risk score model associated with the segment to data associated with the customer to determine a risk score;   assigning one or more adverse action codes to the customer based on the risk score; and   providing, via a graphical user interface, the one or more adverse action codes to the customer.   
     
     
         10 . The computer-implemented method of  claim 9 , wherein the financial behaviors include repayment performance, bankruptcy filing, or response to a marketing offer. 
     
     
         11 . The computer-implemented method of  claim 9 , wherein the financial instrument is selected from the group consisting of a bank loan, an installment loan, a revolving load, and an automobile loan. 
     
     
         12 . The computer-implemented method of  claim 9 , wherein the segmentation structure comprises at least two hierarchical levels of segments. 
     
     
         13 . The computer-implemented method of  claim 9 , wherein the segmentation structure comprises at least three hierarchical levels of segments. 
     
     
         14 . The computer-implemented method of  claim 9 , wherein the second data from the outcome period is exclusive of the first data from the observation time. 
     
     
         15 . A non-transitory computer readable medium storing computer executable instructions that, when executed by one or more computer systems, configure the one or more computer systems to segment a plurality of individuals into one of a plurality of segments of a segmentation structure by performing operations comprising:
 obtaining first data comprising financial and demographic information regarding a plurality of individuals that have defaulted on a financial instrument or declared bankruptcy, the first data indicating characteristics of the individuals at an observation time;   obtaining second data comprising financial and demographic information regarding the plurality of individuals, the second data indicating financial behaviors during an outcome period that is after the observation time;   generating, based on the first and second data, a segmentation model configured to determine whether an individual that has not defaulted on a financial instrument or declared bankruptcy is more likely to default on a financial instrument or declare bankruptcy;   applying the segmentation model to financial and demographic information of a customer that has not defaulted on a financial instrument or declared bankruptcy;   responsive to an output of the segmentation model, assigning the customer to a segment of a segmentation structure;   applying a risk score model associated with the segment to data associated with the customer to determine a risk score;   assigning one or more adverse action codes to the customer based on the risk score; and   providing, via a graphical user interface, the one or more adverse action codes to the customer.   
     
     
         16 . The non-transitory computer readable medium of  claim 15 , wherein generating the segmentation model comprises comparing the first data from the observation time to the second data from the outcome period. 
     
     
         17 . The non-transitory computer readable medium of  claim 15 , wherein the financial behaviors include repayment performance, bankruptcy filing, or response to a marketing offer. 
     
     
         18 . The non-transitory computer readable medium of  claim 15 , wherein the financial instrument is selected from the group consisting of a bank loan, an installment loan, a revolving load, and an automobile loan. 
     
     
         19 . The non-transitory computer readable medium of  claim 15 , wherein the second data from the outcome period is exclusive of the first data from the observation time. 
     
     
         20 . The non-transitory computer readable medium of  claim 15 , wherein the outcome period is a 24 month period subsequent to the observation time. 
     
     
         21 . The non-transitory computer readable medium of  claim 15 , wherein the segmentation structure comprises at least two hierarchical levels of segments.