METHOD AND APPARATUS FOR PATTERN GENERATION

摘要

Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data (104) into a financial data feature (114) for assessing credit risks. The financial data feature (114) is extracted from the transaction data (104). The method involves obtaining the transaction data from a data source, and performing a set of operations (202) on the transaction data to transform the transaction data into the financial data feature. The set of operations (202) is selected only from a predefined set of classes of operations which are interrelated by a predefined order of precedence (402). Each operation in the set of operations is performed in an order based on the predefined order of precedence of a class associated with each operator.