WO2012097171A3 - Systems and methods for using online social footprint for affecting lending performance and credit scoring - Google Patents

Systems and methods for using online social footprint for affecting lending performance and credit scoring Download PDF

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Publication number
WO2012097171A3
WO2012097171A3 PCT/US2012/021106 US2012021106W WO2012097171A3 WO 2012097171 A3 WO2012097171 A3 WO 2012097171A3 US 2012021106 W US2012021106 W US 2012021106W WO 2012097171 A3 WO2012097171 A3 WO 2012097171A3
Authority
WO
WIPO (PCT)
Prior art keywords
online social
borrower
systems
methods
social footprint
Prior art date
Application number
PCT/US2012/021106
Other languages
French (fr)
Other versions
WO2012097171A2 (en
Inventor
Jeffrey Stewart
Original Assignee
Jeffrey Stewart
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 Jeffrey Stewart filed Critical Jeffrey Stewart
Priority to BR112013017973-2A priority Critical patent/BR112013017973A2/en
Priority to EP12734037.0A priority patent/EP2663957A4/en
Priority to MX2013008149A priority patent/MX2013008149A/en
Publication of WO2012097171A2 publication Critical patent/WO2012097171A2/en
Publication of WO2012097171A3 publication Critical patent/WO2012097171A3/en

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—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)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Health & Medical Sciences (AREA)
  • Tourism & Hospitality (AREA)
  • Primary Health Care (AREA)
  • Human Resources & Organizations (AREA)
  • Health & Medical Sciences (AREA)
  • Computing Systems (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The invention provides apparatuses, computer media, and methods for analyzing data gathered from the online social footprint and determining a credit score to facilitate access to financial services. A credit model is constructed to determine a credit score that is based on available personal data and data gathered from the online social footprint and is indicative of a borrower's propensity to pay an owed amount. The credit worthiness of an individual can also be affected by means such as endorsements or negative behavior of individuals in a borrower's social network. Corresponding apparatus, systems, programs for computers, and communications mechanisms are also provided to gain access to financial services based upon at least one borrower's request criterion, optimization of reputation in the borrower's online social footprint and performing a lending transaction.
PCT/US2012/021106 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring WO2012097171A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
BR112013017973-2A BR112013017973A2 (en) 2011-01-13 2012-01-12 method, systems, and computer-readable medium for using the virtual social dimension to simulate loan performance and credit scores
EP12734037.0A EP2663957A4 (en) 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring
MX2013008149A MX2013008149A (en) 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring.

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201161432523P 2011-01-13 2011-01-13
US61/432,523 2011-01-13

Publications (2)

Publication Number Publication Date
WO2012097171A2 WO2012097171A2 (en) 2012-07-19
WO2012097171A3 true WO2012097171A3 (en) 2013-07-11

Family

ID=46507671

Family Applications (1)

Application Number Title Priority Date Filing Date
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

Country Status (6)

Country Link
EP (1) EP2663957A4 (en)
BR (1) BR112013017973A2 (en)
CO (1) CO6791573A2 (en)
MX (1) MX2013008149A (en)
PE (1) PE20140400A1 (en)
WO (1) WO2012097171A2 (en)

Families Citing this family (22)

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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
US8738516B1 (en) 2011-10-13 2014-05-27 Consumerinfo.Com, Inc. Debt services candidate locator
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
WO2019069138A1 (en) * 2017-10-04 2019-04-11 Crowdbureau System and method for analyzing crowdfunding 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 (en) * 2019-11-15 2020-03-10 安徽海汇金融投资集团有限公司 Financing method and system for small and medium-sized micro-enterprises
CN113744049B (en) * 2021-09-18 2024-05-24 中国银行股份有限公司 Personal credit score acquisition method, device, server and medium
CN114331336B (en) * 2021-12-21 2022-10-21 二十六度数字科技(广州)有限公司 System design method for improving approval efficiency and automation degree

Citations (6)

* Cited by examiner, † Cited by third party
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
US20080133402A1 (en) * 2006-09-05 2008-06-05 Kerry Ivan Kurian Sociofinancial systems and methods
US20090327120A1 (en) * 2008-06-27 2009-12-31 Eze Ike O Tagged Credit Profile System for Credit Applicants
US20100010935A1 (en) * 2008-06-09 2010-01-14 Thomas Shelton Systems and methods for credit worthiness scoring and loan facilitation
US20100180032A1 (en) * 2004-07-22 2010-07-15 Friendster Inc. Authorization and authentication based on an individual's social network
US20110112957A1 (en) * 2009-11-10 2011-05-12 Neobanx Technologies, Inc. System and method for assessing credit risk in an on-line lending environment

Patent Citations (6)

* Cited by examiner, † Cited by third party
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
US20100180032A1 (en) * 2004-07-22 2010-07-15 Friendster 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
US20100010935A1 (en) * 2008-06-09 2010-01-14 Thomas Shelton 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
US20110112957A1 (en) * 2009-11-10 2011-05-12 Neobanx Technologies, Inc. System and method for assessing credit risk in an on-line lending environment

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP2663957A4 *

Also Published As

Publication number Publication date
EP2663957A2 (en) 2013-11-20
WO2012097171A2 (en) 2012-07-19
EP2663957A4 (en) 2016-06-29
MX2013008149A (en) 2014-05-13
PE20140400A1 (en) 2014-04-18
BR112013017973A2 (en) 2020-10-27
CO6791573A2 (en) 2013-11-14

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