The present invention, in one aspect, relates to tools for forecasting cash flow and income from a collateral based loan portfolio that are particularly useful in volatile markets. In one specific embodiment, consumer payment behavior is modeled, and account movement is simulated. For each month, actual...http://www.google.de/patents/US7003491?utm_source=gb-gplus-sharePatent US7003491 - Methods and systems for a collections model for loans
