MX2013008149A - Sistemas y metodos para utilizar huella social en linea para afectar el rendimiento de prestamo y la calificacion crediticia. - Google Patents

Sistemas y metodos para utilizar huella social en linea para afectar el rendimiento de prestamo y la calificacion crediticia.

Info

Publication number
MX2013008149A
MX2013008149A MX2013008149A MX2013008149A MX2013008149A MX 2013008149 A MX2013008149 A MX 2013008149A MX 2013008149 A MX2013008149 A MX 2013008149A MX 2013008149 A MX2013008149 A MX 2013008149A MX 2013008149 A MX2013008149 A MX 2013008149A
Authority
MX
Mexico
Prior art keywords
online social
borrower
credit
social footprint
footprint
Prior art date
Application number
MX2013008149A
Other languages
English (en)
Inventor
Jeffrey Stewart
Original Assignee
Lenddo Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Lenddo Ltd filed Critical Lenddo Ltd
Publication of MX2013008149A publication Critical patent/MX2013008149A/es

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
    • 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—Systems or methods specially adapted for 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)

Abstract

La invención proporciona aparatos, medios de computadora y métodos para analizar datos recopilados a partir de la huella social en línea y determinar una calificación crediticia para facilitar el acceso a los servicios financieros; se construye un modelo crediticio para determinar una calificación crediticia mismo que está basado en los datos personales disponibles y los datos recopilados a partir de la huella social en línea y que indica la tendencia de un prestatario a pagar un monto debido; se determina una calificación crediticia a partir de una expresión de calificación que está asociada con un agrupamiento de calificación y que típicamente incluye un subconjunto de datos disponibles recopilados a partir de la huella social en línea; la capacidad crediticia de un individuo también se puede ver afectada por medios tales como endosos o comportamiento negativo de los individuos en una red social del prestatario; aparatos, sistemas, programas para computadoras y mecanismos de comunicaciones correspondientes también son proporcionados para tener acceso a servicios financieros con base en al menos un criterio de solicitud del prestatario, la optimización de la reputación en la huella social en línea del prestatario y la ejecución de una transacción de préstamo.
MX2013008149A 2011-01-13 2012-01-12 Sistemas y metodos para utilizar huella social en linea para afectar el rendimiento de prestamo y la calificacion crediticia. MX2013008149A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201161432523P 2011-01-13 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
MX2013008149A true MX2013008149A (es) 2014-05-13

Family

ID=46507671

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2013008149A MX2013008149A (es) 2011-01-13 2012-01-12 Sistemas y metodos para utilizar huella social en linea para afectar el rendimiento de prestamo y la calificacion crediticia.

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)

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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
EP3692451A4 (en) * 2017-10-04 2021-07-14 Crowdbureau SYSTEM AND PROCESS FOR THE ANALYSIS OF PARTICIPATORY FINANCING PLATFORMS
US11265324B2 (en) 2018-09-05 2022-03-01 Consumerinfo.Com, Inc. User permissions for access to secure data at third-party
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
CN113744049A (zh) * 2021-09-18 2021-12-03 中国银行股份有限公司 个人征信评分获取方法、装置、服务器及介质
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)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1676189A4 (en) * 2003-08-27 2008-01-02 Equifax Inc APPLICATION PROCESSING AND DECISION-MAKING 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

Also Published As

Publication number Publication date
BR112013017973A2 (pt) 2020-10-27
WO2012097171A3 (en) 2013-07-11
CO6791573A2 (es) 2013-11-14
PE20140400A1 (es) 2014-04-18
EP2663957A2 (en) 2013-11-20
EP2663957A4 (en) 2016-06-29
WO2012097171A2 (en) 2012-07-19

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