TWI256569B - System and method of credit scoring by applying data mining method - Google Patents

System and method of credit scoring by applying data mining method

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Publication number
TWI256569B
TWI256569B TW93131198A TW93131198A TWI256569B TW I256569 B TWI256569 B TW I256569B TW 93131198 A TW93131198 A TW 93131198A TW 93131198 A TW93131198 A TW 93131198A TW I256569 B TWI256569 B TW I256569B
Authority
TW
Taiwan
Prior art keywords
account holder
bad debt
debt account
model
data mining
Prior art date
Application number
TW93131198A
Other languages
Chinese (zh)
Other versions
TW200612292A (en
Inventor
Yuan-Hsun Chang
Chien-Yi Lee
Shin-Mu Tseng
Bo-Ming Wu
Chih-Ho Chen
Original Assignee
Uniminer Inc
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 Uniminer Inc filed Critical Uniminer Inc
Priority to TW93131198A priority Critical patent/TWI256569B/en
Publication of TW200612292A publication Critical patent/TW200612292A/en
Application granted granted Critical
Publication of TWI256569B publication Critical patent/TWI256569B/en

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Abstract

A system and a method of credit scoring by applying a data mining method are described, suitable for a finance corporation to estimate the credit scores of a plurality of applicants. The method of credit scoring comprises: providing an application history data; performing a resample step to make the sum of a bad debt account holder and the sum of normal account holder re-sampled from the application history data in a approximate ratio; performing a data mining classifying step to build a plurality of models of bad debt account holder; using a classification model estimating measuring value to estimate the models of bad debt account holder, so as to estimate the accuracy of each model of bad debt account holder and select one model of bad debt account holder with the highest accuracy from the models of bad debt account holder as a forecasting model; and inputting a new application data into the forecasting model, so as to obtain the credit score of the new application data.
TW93131198A 2004-10-14 2004-10-14 System and method of credit scoring by applying data mining method TWI256569B (en)

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Application Number Priority Date Filing Date Title
TW93131198A TWI256569B (en) 2004-10-14 2004-10-14 System and method of credit scoring by applying data mining method

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Application Number Priority Date Filing Date Title
TW93131198A TWI256569B (en) 2004-10-14 2004-10-14 System and method of credit scoring by applying data mining method

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TW200612292A TW200612292A (en) 2006-04-16
TWI256569B true TWI256569B (en) 2006-06-11

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US10242019B1 (en) 2014-12-19 2019-03-26 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US10255610B1 (en) 2006-12-04 2019-04-09 Lmb Mortgage Services, Inc. System and method of enhancing leads
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US10277659B1 (en) 2012-11-12 2019-04-30 Consumerinfo.Com, Inc. Aggregating user web browsing data
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US10891691B2 (en) 2007-01-31 2021-01-12 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US10909617B2 (en) 2010-03-24 2021-02-02 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
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US11164271B2 (en) 2013-03-15 2021-11-02 Csidentity Corporation Systems and methods of delayed authentication and billing for on-demand products
US11200620B2 (en) 2011-10-13 2021-12-14 Consumerinfo.Com, Inc. Debt services candidate locator
US11227001B2 (en) 2017-01-31 2022-01-18 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US11232413B1 (en) 2011-06-16 2022-01-25 Consumerinfo.Com, Inc. Authentication alerts
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US11373261B1 (en) 2004-09-22 2022-06-28 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US11399029B2 (en) 2018-09-05 2022-07-26 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US11410230B1 (en) 2015-11-17 2022-08-09 Consumerinfo.Com, Inc. Realtime access and control of secure regulated data
US11436606B1 (en) 2014-10-31 2022-09-06 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US11461364B1 (en) 2013-11-20 2022-10-04 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US11514519B1 (en) 2013-03-14 2022-11-29 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US11550886B2 (en) 2016-08-24 2023-01-10 Experian Information Solutions, Inc. Disambiguation and authentication of device users
US11568348B1 (en) 2011-10-31 2023-01-31 Consumerinfo.Com, Inc. Pre-data breach monitoring
US11587150B1 (en) 2014-04-25 2023-02-21 Csidentity Corporation Systems and methods for eligibility verification
US11588639B2 (en) 2018-06-22 2023-02-21 Experian Information Solutions, Inc. System and method for a token gateway environment
US11620314B1 (en) 2014-05-07 2023-04-04 Consumerinfo.Com, Inc. User rating based on comparing groups
US11651426B1 (en) 2012-11-30 2023-05-16 Consumerlnfo.com, Inc. Credit score goals and alerts systems and methods
US11657411B1 (en) 2004-06-30 2023-05-23 Experian Marketing Solutions, Llc System, method, software and data structure for independent prediction of attitudinal and message responsiveness, and preferences for communication media, channel, timing, frequency, and sequences of communications, using an integrated data repository
US11665253B1 (en) 2011-07-08 2023-05-30 Consumerinfo.Com, Inc. LifeScore
US11682041B1 (en) 2020-01-13 2023-06-20 Experian Marketing Solutions, Llc Systems and methods of a tracking analytics platform
US11734234B1 (en) 2018-09-07 2023-08-22 Experian Information Solutions, Inc. Data architecture for supporting multiple search models
US11748503B1 (en) 2015-11-23 2023-09-05 Experian Information Solutions, Inc. Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria
US11769112B2 (en) 2008-06-26 2023-09-26 Experian Marketing Solutions, Llc Systems and methods for providing an integrated identifier
US11769200B1 (en) 2013-03-14 2023-09-26 Consumerinfo.Com, Inc. Account vulnerability alerts
US11803929B1 (en) 2013-05-23 2023-10-31 Consumerinfo.Com, Inc. Digital identity
US11880377B1 (en) 2021-03-26 2024-01-23 Experian Information Solutions, Inc. Systems and methods for entity resolution
US11941065B1 (en) 2019-09-13 2024-03-26 Experian Information Solutions, Inc. Single identifier platform for storing entity data
US11954089B2 (en) 2007-09-27 2024-04-09 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records

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TWI554959B (en) * 2015-04-02 2016-10-21 關貿網路股份有限公司 Visual data analysis system and data super market operation method
TWI716793B (en) * 2018-12-21 2021-01-21 華南商業銀行股份有限公司 Corporate customer smart target system and method

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US11657411B1 (en) 2004-06-30 2023-05-23 Experian Marketing Solutions, Llc System, method, software and data structure for independent prediction of attitudinal and message responsiveness, and preferences for communication media, channel, timing, frequency, and sequences of communications, using an integrated data repository
US11562457B2 (en) 2004-09-22 2023-01-24 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US11861756B1 (en) 2004-09-22 2024-01-02 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US11373261B1 (en) 2004-09-22 2022-06-28 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US8560434B2 (en) 2006-03-10 2013-10-15 Vantagescore Solutions, Llc Methods and systems for segmentation using multiple dependent variables
US10963961B1 (en) 2006-10-05 2021-03-30 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US11954731B2 (en) 2006-10-05 2024-04-09 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US11631129B1 (en) 2006-10-05 2023-04-18 Experian Information Solutions, Inc System and method for generating a finance attribute from tradeline data
US10121194B1 (en) 2006-10-05 2018-11-06 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US10204141B1 (en) 2006-11-28 2019-02-12 Lmb Mortgage Services, Inc. System and method of removing duplicate leads
US10255610B1 (en) 2006-12-04 2019-04-09 Lmb Mortgage Services, Inc. System and method of enhancing leads
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US11803873B1 (en) 2007-01-31 2023-10-31 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US10891691B2 (en) 2007-01-31 2021-01-12 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US10311466B1 (en) 2007-01-31 2019-06-04 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US11176570B1 (en) 2007-01-31 2021-11-16 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US11443373B2 (en) 2007-01-31 2022-09-13 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US9916596B1 (en) 2007-01-31 2018-03-13 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
TWI391867B (en) * 2007-04-25 2013-04-01 Yahoo Inc Method for scoring user click and click traffic scoring system thereof
US11954089B2 (en) 2007-09-27 2024-04-09 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US10262364B2 (en) 2007-12-14 2019-04-16 Consumerinfo.Com, Inc. Card registry systems and methods
US10878499B2 (en) 2007-12-14 2020-12-29 Consumerinfo.Com, Inc. Card registry systems and methods
US11379916B1 (en) 2007-12-14 2022-07-05 Consumerinfo.Com, Inc. Card registry systems and methods
US11769112B2 (en) 2008-06-26 2023-09-26 Experian Marketing Solutions, Llc Systems and methods for providing an integrated identifier
US10909617B2 (en) 2010-03-24 2021-02-02 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
US11232413B1 (en) 2011-06-16 2022-01-25 Consumerinfo.Com, Inc. Authentication alerts
US11954655B1 (en) 2011-06-16 2024-04-09 Consumerinfo.Com, Inc. Authentication alerts
US11665253B1 (en) 2011-07-08 2023-05-30 Consumerinfo.Com, Inc. LifeScore
US11087022B2 (en) 2011-09-16 2021-08-10 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US11790112B1 (en) 2011-09-16 2023-10-17 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US11200620B2 (en) 2011-10-13 2021-12-14 Consumerinfo.Com, Inc. Debt services candidate locator
US11568348B1 (en) 2011-10-31 2023-01-31 Consumerinfo.Com, Inc. Pre-data breach monitoring
US11863310B1 (en) 2012-11-12 2024-01-02 Consumerinfo.Com, Inc. Aggregating user web browsing data
US10277659B1 (en) 2012-11-12 2019-04-30 Consumerinfo.Com, Inc. Aggregating user web browsing data
US11651426B1 (en) 2012-11-30 2023-05-16 Consumerlnfo.com, Inc. Credit score goals and alerts systems and methods
US11514519B1 (en) 2013-03-14 2022-11-29 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US11769200B1 (en) 2013-03-14 2023-09-26 Consumerinfo.Com, Inc. Account vulnerability alerts
US11790473B2 (en) 2013-03-15 2023-10-17 Csidentity Corporation Systems and methods of delayed authentication and billing for on-demand products
US11775979B1 (en) 2013-03-15 2023-10-03 Consumerinfo.Com, Inc. Adjustment of knowledge-based authentication
US11288677B1 (en) 2013-03-15 2022-03-29 Consumerlnfo.com, Inc. Adjustment of knowledge-based authentication
US11164271B2 (en) 2013-03-15 2021-11-02 Csidentity Corporation Systems and methods of delayed authentication and billing for on-demand products
US11803929B1 (en) 2013-05-23 2023-10-31 Consumerinfo.Com, Inc. Digital identity
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US11461364B1 (en) 2013-11-20 2022-10-04 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US10262362B1 (en) 2014-02-14 2019-04-16 Experian Information Solutions, Inc. Automatic generation of code for attributes
US11587150B1 (en) 2014-04-25 2023-02-21 Csidentity Corporation Systems and methods for eligibility verification
US11620314B1 (en) 2014-05-07 2023-04-04 Consumerinfo.Com, Inc. User rating based on comparing groups
US11257117B1 (en) 2014-06-25 2022-02-22 Experian Information Solutions, Inc. Mobile device sighting location analytics and profiling system
US11620677B1 (en) 2014-06-25 2023-04-04 Experian Information Solutions, Inc. Mobile device sighting location analytics and profiling system
US11941635B1 (en) 2014-10-31 2024-03-26 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US11436606B1 (en) 2014-10-31 2022-09-06 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US10242019B1 (en) 2014-12-19 2019-03-26 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
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US11550886B2 (en) 2016-08-24 2023-01-10 Experian Information Solutions, Inc. Disambiguation and authentication of device users
US11681733B2 (en) 2017-01-31 2023-06-20 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US11227001B2 (en) 2017-01-31 2022-01-18 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US11580259B1 (en) 2017-09-28 2023-02-14 Csidentity Corporation Identity security architecture systems and methods
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US11588639B2 (en) 2018-06-22 2023-02-21 Experian Information Solutions, Inc. System and method for a token gateway environment
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US11734234B1 (en) 2018-09-07 2023-08-22 Experian Information Solutions, Inc. Data architecture for supporting multiple search models
US11238656B1 (en) 2019-02-22 2022-02-01 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
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