BR112013017973A2 - método, sistemas e meio legível por computador para usar dimensão social virtual para simular performance de empréstimo e pontuação de crédito - Google Patents
método, sistemas e meio legível por computador para usar dimensão social virtual para simular performance de empréstimo e pontuação de crédito Download PDFInfo
- Publication number
- BR112013017973A2 BR112013017973A2 BR112013017973-2A BR112013017973A BR112013017973A2 BR 112013017973 A2 BR112013017973 A2 BR 112013017973A2 BR 112013017973 A BR112013017973 A BR 112013017973A BR 112013017973 A2 BR112013017973 A2 BR 112013017973A2
- Authority
- BR
- Brazil
- Prior art keywords
- user
- loan
- information
- credit
- social
- Prior art date
Links
- 238000000034 method Methods 0.000 title claims abstract description 126
- 230000014509 gene expression Effects 0.000 claims abstract description 22
- 230000008569 process Effects 0.000 claims description 66
- 230000006855 networking Effects 0.000 claims description 24
- 238000011282 treatment Methods 0.000 claims description 20
- 238000010295 mobile communication Methods 0.000 claims description 12
- 238000012545 processing Methods 0.000 claims description 11
- 230000004931 aggregating effect Effects 0.000 claims 1
- 238000011156 evaluation Methods 0.000 claims 1
- 230000001131 transforming effect Effects 0.000 claims 1
- 238000004891 communication Methods 0.000 abstract description 25
- 230000007246 mechanism Effects 0.000 abstract description 6
- 238000004590 computer program Methods 0.000 abstract 1
- 238000005457 optimization Methods 0.000 abstract 1
- 230000000694 effects Effects 0.000 description 34
- 230000006399 behavior Effects 0.000 description 18
- 230000007774 longterm Effects 0.000 description 18
- 230000009471 action Effects 0.000 description 15
- 239000003795 chemical substances by application Substances 0.000 description 14
- 238000007726 management method Methods 0.000 description 14
- 238000004422 calculation algorithm Methods 0.000 description 12
- 238000004458 analytical method Methods 0.000 description 10
- 238000011160 research Methods 0.000 description 9
- 230000006870 function Effects 0.000 description 8
- 239000000047 product Substances 0.000 description 8
- 230000008901 benefit Effects 0.000 description 6
- 238000011161 development Methods 0.000 description 6
- 230000018109 developmental process Effects 0.000 description 6
- 238000005516 engineering process Methods 0.000 description 6
- 238000012549 training Methods 0.000 description 6
- 230000009466 transformation Effects 0.000 description 6
- 238000000844 transformation Methods 0.000 description 6
- 230000001419 dependent effect Effects 0.000 description 4
- 238000004519 manufacturing process Methods 0.000 description 4
- 239000000463 material Substances 0.000 description 4
- 238000003909 pattern recognition Methods 0.000 description 4
- 238000013077 scoring method Methods 0.000 description 4
- 238000012546 transfer Methods 0.000 description 4
- 238000012795 verification Methods 0.000 description 4
- 230000001755 vocal effect Effects 0.000 description 4
- 230000003993 interaction Effects 0.000 description 3
- 230000008520 organization Effects 0.000 description 3
- 230000002730 additional effect Effects 0.000 description 2
- 238000013459 approach Methods 0.000 description 2
- 238000013528 artificial neural network Methods 0.000 description 2
- 238000004364 calculation method Methods 0.000 description 2
- 230000001413 cellular effect Effects 0.000 description 2
- 230000008859 change Effects 0.000 description 2
- 238000012512 characterization method Methods 0.000 description 2
- 238000012790 confirmation Methods 0.000 description 2
- 238000007405 data analysis Methods 0.000 description 2
- 238000013479 data entry Methods 0.000 description 2
- 238000007418 data mining Methods 0.000 description 2
- 238000013502 data validation Methods 0.000 description 2
- 238000003066 decision tree Methods 0.000 description 2
- 238000013461 design Methods 0.000 description 2
- 210000003746 feather Anatomy 0.000 description 2
- 230000036541 health Effects 0.000 description 2
- 230000002452 interceptive effect Effects 0.000 description 2
- 238000007477 logistic regression Methods 0.000 description 2
- 238000012544 monitoring process Methods 0.000 description 2
- 230000002093 peripheral effect Effects 0.000 description 2
- 230000001105 regulatory effect Effects 0.000 description 2
- 238000012552 review Methods 0.000 description 2
- 230000003997 social interaction Effects 0.000 description 2
- 230000003068 static effect Effects 0.000 description 2
- 238000007619 statistical method Methods 0.000 description 2
- 238000012360 testing method Methods 0.000 description 2
- 230000000007 visual effect Effects 0.000 description 2
- 239000011230 binding agent Substances 0.000 description 1
- 238000010348 incorporation Methods 0.000 description 1
- 230000011218 segmentation Effects 0.000 description 1
- 239000013589 supplement Substances 0.000 description 1
- 230000000153 supplemental effect Effects 0.000 description 1
- 210000001541 thymus gland Anatomy 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/01—Social networking
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Technology Law (AREA)
- Development Economics (AREA)
- Computing Systems (AREA)
- Health & Medical Sciences (AREA)
- General Health & Medical Sciences (AREA)
- Human Resources & Organizations (AREA)
- Primary Health Care (AREA)
- Tourism & Hospitality (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US201161432523P | 2011-01-13 | 2011-01-13 | |
| US61/432,523 | 2011-01-13 | ||
| PCT/US2012/021106 WO2012097171A2 (en) | 2011-01-13 | 2012-01-12 | Systems and methods for using online social footprint for affecting lending performance and credit scoring |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| BR112013017973A2 true BR112013017973A2 (pt) | 2020-10-27 |
Family
ID=46507671
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| BR112013017973-2A BR112013017973A2 (pt) | 2011-01-13 | 2012-01-12 | método, sistemas e meio legível por computador para usar dimensão social virtual para simular performance de empréstimo e pontuação de crédito |
Country Status (6)
| Country | Link |
|---|---|
| EP (1) | EP2663957A4 (es) |
| BR (1) | BR112013017973A2 (es) |
| CO (1) | CO6791573A2 (es) |
| MX (1) | MX2013008149A (es) |
| PE (1) | PE20140400A1 (es) |
| WO (1) | WO2012097171A2 (es) |
Families Citing this family (20)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8312033B1 (en) | 2008-06-26 | 2012-11-13 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
| US8650070B2 (en) | 2011-08-02 | 2014-02-11 | Google Inc. | System and method for sharing content on third-party mobile applications |
| US8756168B1 (en) | 2012-02-22 | 2014-06-17 | Google Inc. | Endorsing a product purchased offline |
| US8688796B1 (en) | 2012-03-06 | 2014-04-01 | Tal Lavian | Rating system for determining whether to accept or reject objection raised by user in social network |
| US9853959B1 (en) | 2012-05-07 | 2017-12-26 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
| US8639619B1 (en) | 2012-07-13 | 2014-01-28 | Scvngr, Inc. | Secure payment method and system |
| US9654541B1 (en) | 2012-11-12 | 2017-05-16 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
| US9916621B1 (en) | 2012-11-30 | 2018-03-13 | Consumerinfo.Com, Inc. | Presentation of credit score factors |
| US10102570B1 (en) | 2013-03-14 | 2018-10-16 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
| US8770478B2 (en) | 2013-07-11 | 2014-07-08 | Scvngr, Inc. | Payment processing with automatic no-touch mode selection |
| US9477737B1 (en) | 2013-11-20 | 2016-10-25 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
| US20160371695A1 (en) * | 2015-06-16 | 2016-12-22 | Guardian Consumer Services, Inc. D/B/A Pavaso, Inc. | System and method for identity and character verification of parties to electronic transactions |
| US10740751B1 (en) | 2016-12-20 | 2020-08-11 | Wells Fargo Bank, N.A. | Secure transactions in social media channels |
| US10997595B1 (en) | 2016-12-28 | 2021-05-04 | Wells Fargo Bank, N.A. | Systems and methods for preferring payments using a social background check |
| CN111433806A (zh) * | 2017-10-04 | 2020-07-17 | 克劳德比罗公司 | 用于分析众筹平台的系统和方法 |
| US10880313B2 (en) | 2018-09-05 | 2020-12-29 | Consumerinfo.Com, Inc. | Database platform for realtime updating of user data from third party sources |
| US11238656B1 (en) | 2019-02-22 | 2022-02-01 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
| US11941065B1 (en) | 2019-09-13 | 2024-03-26 | Experian Information Solutions, Inc. | Single identifier platform for storing entity data |
| CN110874791A (zh) * | 2019-11-15 | 2020-03-10 | 安徽海汇金融投资集团有限公司 | 一种中小微企业的融资方法及系统 |
| CN114331336B (zh) * | 2021-12-21 | 2022-10-21 | 二十六度数字科技(广州)有限公司 | 一种提高审批效率及自动化程度的系统设计方法 |
Family Cites Families (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070179827A1 (en) * | 2003-08-27 | 2007-08-02 | Sandeep Gupta | Application processing and decision systems and processes |
| US8302164B2 (en) * | 2004-07-22 | 2012-10-30 | Facebook, Inc. | Authorization and authentication based on an individual's social network |
| US20080133402A1 (en) * | 2006-09-05 | 2008-06-05 | Kerry Ivan Kurian | Sociofinancial systems and methods |
| US8744946B2 (en) * | 2008-06-09 | 2014-06-03 | Quest Growth Partners, Llc | Systems and methods for credit worthiness scoring and loan facilitation |
| US20090327120A1 (en) * | 2008-06-27 | 2009-12-31 | Eze Ike O | Tagged Credit Profile System for Credit Applicants |
| CA2685758A1 (en) * | 2009-11-10 | 2011-05-10 | Neobanx Technologies Inc. | System and method for assessing credit risk in an on-line lending environment |
-
2012
- 2012-01-12 WO PCT/US2012/021106 patent/WO2012097171A2/en active Application Filing
- 2012-01-12 MX MX2013008149A patent/MX2013008149A/es not_active Application Discontinuation
- 2012-01-12 EP EP12734037.0A patent/EP2663957A4/en not_active Withdrawn
- 2012-01-12 PE PE2013001549A patent/PE20140400A1/es not_active Application Discontinuation
- 2012-01-12 BR BR112013017973-2A patent/BR112013017973A2/pt not_active Application Discontinuation
-
2013
- 2013-08-09 CO CO13189951A patent/CO6791573A2/es unknown
Also Published As
| Publication number | Publication date |
|---|---|
| EP2663957A4 (en) | 2016-06-29 |
| MX2013008149A (es) | 2014-05-13 |
| WO2012097171A3 (en) | 2013-07-11 |
| EP2663957A2 (en) | 2013-11-20 |
| CO6791573A2 (es) | 2013-11-14 |
| PE20140400A1 (es) | 2014-04-18 |
| WO2012097171A2 (en) | 2012-07-19 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US8694401B2 (en) | Systems and methods for using online social footprint for affecting lending performance and credit scoring | |
| BR112013017973A2 (pt) | método, sistemas e meio legível por computador para usar dimensão social virtual para simular performance de empréstimo e pontuação de crédito | |
| US20210232608A1 (en) | Trust scores and/or competence ratings of any entity | |
| US20180122004A1 (en) | Risk-related scoring | |
| US20130018777A1 (en) | Systems, methods and apparatus for social network-based lending | |
| US20080133391A1 (en) | User interface for sociofinancial systems and methods | |
| US20210287303A9 (en) | Scoring trustworthiness, competence, and/or compatibility of any entity for activities including recruiting or hiring decisions, composing a team, insurance underwriting, credit decisions, or shortening or improving sales cycles | |
| US20230116362A1 (en) | Scoring trustworthiness, competence, and/or compatibility of any entity for activities including recruiting or hiring decisions, composing a team, insurance underwriting, credit decisions, or shortening or improving sales cycles | |
| Șcheau et al. | A cryptocurrency spectrum short analysis | |
| KR20210055403A (ko) | 위치 기반 일자리 추천 시스템 및 방법 | |
| CA3155029A1 (en) | Digital real estate transaction processing platform | |
| Bradley et al. | Healthcare systems must get fair value for their data | |
| US20230206319A1 (en) | Method and apparatus for creating alternative data risk assessment using mobile data | |
| US11748807B1 (en) | Community-based digital transaction authentication | |
| US11631144B2 (en) | Crowdfunding endorsement using non-internet enabled devices | |
| KR102521200B1 (ko) | 모바일 데이터를 이용한 대안 데이터 리스크 평가 방법 및 장치 | |
| KR101124573B1 (ko) | 학자금 직접 대출 서비스 운영 방법 | |
| US20190347719A1 (en) | Verification device and method to verify a user for facilitating financial asset | |
| Badhani et al. | Blockchain-based Financial Enterprises Credit Value Information System Using Federated AI | |
| Ghasemkhani et al. | The Invisible Value of Information Systems: Reputation Building in an Online P2P Lending System | |
| US20240046386A1 (en) | Prequalification of users | |
| US20200410581A1 (en) | Financial responsibility indicator system and method | |
| US20240112594A1 (en) | Software applications for financial education | |
| US20230118782A1 (en) | Centralized platform for processing artifacts of distributed entities | |
| TWI639129B (zh) | 社群互動之信用評等及媒合之方法及系統 |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| B06F | Objections, documents and/or translations needed after an examination request according [chapter 6.6 patent gazette] | ||
| B06U | Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette] | ||
| B07A | Application suspended after technical examination (opinion) [chapter 7.1 patent gazette] | ||
| B09B | Patent application refused [chapter 9.2 patent gazette] | ||
| B09B | Patent application refused [chapter 9.2 patent gazette] |
Free format text: MANTIDO O INDEFERIMENTO UMA VEZ QUE NAO FOI APRESENTADO RECURSO DENTRO DO PRAZO LEGAL |
|
| B350 | Update of information on the portal [chapter 15.35 patent gazette] |