Abstract: A Total Loss Predictor Score assesses the risk of Total Loss of new credit applications by leveraging the most powerful insights from business databases. The Total Loss Predictor Score built on segmentation and algorithms that use the commercial information from business databases, powered by analytics, delivers a unique solution for credit risk management to help business creditors with origination decisions.

Abstract: A system and a method for generating indicators of the financial health of a business provides data in a number of cases, including a situation where financial statement are publically available, and those where they are not publically available. Data records are analyzed in accordance with a first set of steps if publically available financial statements of the business are available; and in accordance with a second set of steps if publically available financial statements of the business are not available. When financial statements are not publically available, certain proxies provide data concerning a business. A computer readable non-transitory storage medium stores instructions of a computer program, which when executed by a computer system, results in performance of steps of the method. A method for developing a scorecard for data indicative of the financial health of a business is also disclosed.

Abstract: There is provided a method that includes (a) examining records that describe transactions between entities, (b) constructing, in a database, a data structure that represents a relationship network, based on the transactions, where the relationship network represents (i) a first entity and (ii) a second entity that is separated from the first entity by N tiers, and where N is a whole number greater than or equal to 1, and (c) calculating a relevance of the second entity to the first entity as a function of, i.e., based on, a characteristic of the second entity. There is also provided a system that performs the method, and a storage medium that contains instructions for controlling a processor to perform the method.

Abstract: A method and system for determining an entity's future commercial viability which comprises: (a) using a first predictive modeling, determining a future commercial viability of the entity, the first predictive modeling is derived by identifying patterns in data and relating to predictive attributes, thereby generating a viability score; (b) using predictive modeling to generate a relative ranking of the entity against its peer group, thereby generating a comparative viability score (i.e.

Abstract: There is provided a method that includes employing a computer to perform operations of (a) receiving, from a data source, by way of an electronic communication, a descriptor of a business, (b) matching said descriptor to data in a database, thus yielding a match, wherein said data includes a unique identifier of said business, (c) saving to a log, a signal that includes said unique identifier, (d) counting a quantity of signals that include said unique identifier in said log, thus yielding a number of said signals for said unique identifier, and (e) calculating a credit score for said business, based on said number of signals. There is also provided a system that performs the method, and a storage device that controls a processor to perform the method.

Abstract: A Total Loss Predictor Score assesses the risk of Total Loss of new credit applications by leveraging the most powerful insights from business databases. The Total Loss Predictor Score built on segmentation and algorithms that use the commercial information from business databases, powered by analytics, delivers a unique solution for credit risk management to help business creditors with origination decisions.