Agora, Inc.
METHOD, APPARATUS, AND COMPUTER READABLE MEDIUM FOR GENERATING A REAL-TIME RISK SCORE ASSOCIATED WITH FINANCING OF AN INVOICE BASED ON REAL-TIME TRANSACTION DATA

Abstract:

A method, apparatus, and computer-readable medium for generating a real-time risk score associated with financing of an invoice based on real-time transaction data, including storing a seller profile corresponding to a seller that issues invoices, the seller profile including an invoice transaction history, determining a seller internal probability of default corresponding to a target invoice issued by the seller based on the invoice transaction history associated with the seller, determining a seller overall probability of default based on seller-default variables and dynamic seller-default weights associated with the seller-default variables, and generating a real-time risk score associated with a potential funder financing the target invoice based at least in part on the seller overall probability of default.