Patent ID: 7676418
Filing Date: 2010-03-09
Classification: G06Q

Abstract:
1. A credit portfolio benchmarking system comprising: a repository of trade data comprising a plurality of data items regarding trade lines including data for one or more loans; a repository of consumer data comprising a plurality of data items regarding consumers including one or more names, addresses, and credit scores, wherein at least some information in the consumer data is private data that is confidential to the consumers and not in the trade data and at least some information in the trade data is not in the consumer data; a build computer programmed to periodically generate at least one data file comprising a plurality of data items, each data item combining information from the trade data and the consumer data by merging trade line data with associated consumer data so that the trade line data and consumer data are in a same table and the merged data includes data that categorizes the data into one or more peer groups of lending institutions; and a benchmarking query application programmed to execute queries in real time or near real time for information about a first lending institution, determine peers of the first lending institution based on information in the at least one data file generated by the build computer, determine respective credit portfolios of the first lending institution and its peers based on a current mixture of trade data indicated in the merged trade line data and consumer data for the first lending institution and its peers, and generate an anonymized report that shows the credit portfolio of the first lending institution benchmarked against its peers.