{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11995714","patent":{"patent_number":"US-11995714","title":"Machine learning-based loss forecasting model","assignee":null,"inventors":[],"filing_date":"2021-09-14T00:00:00.000Z","publication_date":"2024-05-28T00:00:00.000Z","cpc_codes":["G06Q","G06Q"],"num_claims":20,"abstract":"Systems and methods for implementing a machine learning loan portfolio loss forecasting system are provided. A current state of active loans of a loan portfolio during a first time period of a set of time periods may be determined. For each of the set of time periods, a roll rate of the active loans from each delinquency state to a subsequent delinquency state may be determined based on historical data of the loan portfolio. The machine learning model may then, iteratively, for each subsequent time period, determine a percentage of the active loans that will transition to each of the set of delinquency states during the subsequent time period based on a current state of the active loans during a previous time period and the roll rate from each delinquency state to a subsequent delinquency state for the subsequent time period."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Machine learning-based loss forecasting model","description":"Systems and methods for implementing a machine learning loan portfolio loss forecasting system are provided. A current state of active loans of a loan portfolio during a first time period of a set of ","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11995714","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11995714","citation_suggestion":"Patentable. \"Machine learning-based loss forecasting model\" (US-11995714). https://patentable.app/patents/US-11995714","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11995714","json":"https://patentable.app/api/llm-context/US-11995714","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T06:35:14.200Z"}