DOP2013000215A - Sistemas y metodos para mejorar la prediccion de futuras actuaciones de riesgo de credito - Google Patents
Sistemas y metodos para mejorar la prediccion de futuras actuaciones de riesgo de creditoInfo
- Publication number
- DOP2013000215A DOP2013000215A DO2013000215A DO2013000215A DOP2013000215A DO P2013000215 A DOP2013000215 A DO P2013000215A DO 2013000215 A DO2013000215 A DO 2013000215A DO 2013000215 A DO2013000215 A DO 2013000215A DO P2013000215 A DOP2013000215 A DO P2013000215A
- Authority
- DO
- Dominican Republic
- Prior art keywords
- credit
- data
- consumers
- prediction
- systems
- Prior art date
Links
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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Sistemas y métodos se proporcionan para mejorar la predicción de las actuaciones de riesgo de crédito de una pluralidad de consumidores, cada consumidor tiene un archivo de datos de crédito estándar y un puntaje. De acuerdo con un aspecto particular, un método determina los cambios en los archivos de datos de crédito de la pluralidad de los consumidores durante un período de tiempo predeterminado, y combina los datos de cambio con los datos de crédito estándar. El método consiste en determinar un conjunto de elementos de crédito que son predictivos de actuaciones de riesgo de crédito de la pluralidad de clientes mediante el procesamiento de los datos de cambio combinado y datos de crédito estándar, e identifica un valor de riesgo incremental para cada una de la pluralidad de consumidores por el que se completa la correspondiente data de archivo de crédito ante el conjunto de predicción de elementos de crédito. El método genera, además, una bandera indicativa del valor de incremento de riesgo identificado para cada una de la pluralidad de consumidores. CIP.. G06Q 20/42 G06Q 20/24
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US201161469781P | 2011-03-30 | 2011-03-30 | |
| US13/434,706 US20120278217A1 (en) | 2011-03-30 | 2012-03-29 | Systems and methods for improving prediction of future credit risk performances |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| DOP2013000215A true DOP2013000215A (es) | 2014-06-30 |
Family
ID=46932415
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| DO2013000215A DOP2013000215A (es) | 2011-03-30 | 2013-09-27 | Sistemas y metodos para mejorar la prediccion de futuras actuaciones de riesgo de credito |
Country Status (5)
| Country | Link |
|---|---|
| US (1) | US20120278217A1 (es) |
| CA (1) | CA2831920A1 (es) |
| DO (1) | DOP2013000215A (es) |
| WO (1) | WO2012135742A2 (es) |
| ZA (1) | ZA201307343B (es) |
Families Citing this family (27)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US9990674B1 (en) | 2007-12-14 | 2018-06-05 | Consumerinfo.Com, Inc. | Card registry systems and methods |
| US8127986B1 (en) | 2007-12-14 | 2012-03-06 | Consumerinfo.Com, Inc. | Card registry systems and methods |
| US8312033B1 (en) | 2008-06-26 | 2012-11-13 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
| US8060424B2 (en) | 2008-11-05 | 2011-11-15 | Consumerinfo.Com, Inc. | On-line method and system for monitoring and reporting unused available credit |
| US8719151B2 (en) * | 2011-03-30 | 2014-05-06 | Bank Of America Corporation | Loan resolution modeling using discrete event simulation methodology |
| US9665854B1 (en) | 2011-06-16 | 2017-05-30 | Consumerinfo.Com, Inc. | Authentication alerts |
| US9483606B1 (en) | 2011-07-08 | 2016-11-01 | Consumerinfo.Com, Inc. | Lifescore |
| US9106691B1 (en) | 2011-09-16 | 2015-08-11 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
| US8738516B1 (en) | 2011-10-13 | 2014-05-27 | Consumerinfo.Com, Inc. | Debt services candidate locator |
| US9853959B1 (en) | 2012-05-07 | 2017-12-26 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
| 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 |
| US10255598B1 (en) | 2012-12-06 | 2019-04-09 | Consumerinfo.Com, Inc. | Credit card account data extraction |
| US9870589B1 (en) | 2013-03-14 | 2018-01-16 | Consumerinfo.Com, Inc. | Credit utilization tracking and reporting |
| US10102570B1 (en) | 2013-03-14 | 2018-10-16 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
| US9406085B1 (en) | 2013-03-14 | 2016-08-02 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
| US10685398B1 (en) | 2013-04-23 | 2020-06-16 | Consumerinfo.Com, Inc. | Presenting credit score information |
| US10325314B1 (en) | 2013-11-15 | 2019-06-18 | Consumerinfo.Com, Inc. | Payment reporting systems |
| 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 |
| US9892457B1 (en) | 2014-04-16 | 2018-02-13 | Consumerinfo.Com, Inc. | Providing credit data in search results |
| EP3131045A1 (en) * | 2015-08-13 | 2017-02-15 | Tata Consultancy Services Limited | Credit limit management system and method |
| US11010702B1 (en) * | 2015-12-17 | 2021-05-18 | Wells Fargo Bank, N.A. | Model management system |
| US20200074100A1 (en) | 2018-09-05 | 2020-03-05 | Consumerinfo.Com, Inc. | Estimating changes to user risk indicators based on modeling of similarly categorized users |
| US20200104911A1 (en) * | 2018-10-01 | 2020-04-02 | The Toronto-Dominion Bank | Dynamic monitoring and profiling of data exchanges within an enterprise environment |
| US11315179B1 (en) | 2018-11-16 | 2022-04-26 | Consumerinfo.Com, Inc. | Methods and apparatuses for customized card recommendations |
| 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 |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2002099598A2 (en) * | 2001-06-07 | 2002-12-12 | First Usa Bank, N.A. | System and method for rapid updating of credit information |
| US20080208548A1 (en) * | 2007-02-27 | 2008-08-28 | Transunion Interactive, Inc., A Delaware Corporation | Credit Report-Based Predictive Models |
| US7970676B2 (en) * | 2007-08-01 | 2011-06-28 | Fair Isaac Corporation | Method and system for modeling future action impact in credit scoring |
| JP4320361B1 (ja) * | 2008-12-08 | 2009-08-26 | 株式会社 金融工学研究所 | 将来財務予測システム、将来財務予測方法及び将来財務予測プログラム |
-
2012
- 2012-03-29 US US13/434,706 patent/US20120278217A1/en not_active Abandoned
- 2012-03-30 CA CA2831920A patent/CA2831920A1/en not_active Abandoned
- 2012-03-30 WO PCT/US2012/031653 patent/WO2012135742A2/en active Application Filing
-
2013
- 2013-09-27 DO DO2013000215A patent/DOP2013000215A/es unknown
- 2013-10-01 ZA ZA2013/07343A patent/ZA201307343B/en unknown
Also Published As
| Publication number | Publication date |
|---|---|
| WO2012135742A2 (en) | 2012-10-04 |
| US20120278217A1 (en) | 2012-11-01 |
| CA2831920A1 (en) | 2012-10-04 |
| WO2012135742A3 (en) | 2013-01-03 |
| ZA201307343B (en) | 2014-06-25 |
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