| 摘要 |
<p>A computer-implemented method including generating training data for training a predictive model to estimate a likelihood of a debtor to pay a debt, the training data including, for each of a plurality of debtors, (i) historic tax return data for the debtor, (ii) commercial financial or credit data that is usable to calculate a credit score for the debtor, and (iii) a label indicating a likelihood of the debtor to pay a debt, training the predictive model using the historic tax return data, the commercial financial or credit data, and the labels included in the training data, after training the predictive model, identifying a particular debtor, obtaining (i) historic tax return data for the particular debtor, and (ii) commercial financial or credit data that is usable to calculate a credit score for the particular debtor, providing, to the predictive model, (i) the historic tax return data for the particular debtor, and (ii) the commercial financial or credit data that is usable to calculate a credit score for the particular debtor, and obtaining, from the predictive model, an indication of a likelihood of the particular debtor to pay a debt. 00w '41___</p> |
