최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0636398 (2009-12-11) |
등록번호 | US-8160960 (2012-04-17) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 61 인용 특허 : 920 |
According to one embodiment, the invention relates to a system and method for evaluating the creditworthiness of an account holder of a credit account comprising the steps of determining, at least once a day, whether a first data set relating to the creditworthiness of the account holder has been re
According to one embodiment, the invention relates to a system and method for evaluating the creditworthiness of an account holder of a credit account comprising the steps of determining, at least once a day, whether a first data set relating to the creditworthiness of the account holder has been received from a credit reporting organization; determining, at least once a day, whether a second data set relating to transaction activity of the credit account has been received; periodically receiving from a credit reporting organization a third data set relating to the creditworthiness of the account holder; periodically receiving a fourth data set relating to the historical activity of the credit account; and using the first and second data sets, to the extent they have been received, and the third and fourth data sets to determine a measure of creditworthiness.
1. A computer implemented method for evaluating current creditworthiness of a current account holder of an account comprising: determining periodically, by at least one computer processor, whether a first data set relating to the current creditworthiness of the current account holder has been receiv
1. A computer implemented method for evaluating current creditworthiness of a current account holder of an account comprising: determining periodically, by at least one computer processor, whether a first data set relating to the current creditworthiness of the current account holder has been received from an organization;determining periodically, by the at least one computer processor, whether a second data set relating to transaction activity of the account has been received;receiving periodically, by the at least one computer processor, from the organization, a third data set relating to the creditworthiness of the account holder;receiving periodically, by the at least one computer processor, a fourth data set relating to the historical activity of the account;analyzing, by the at least one computer processor, the first, second, third, and fourth data sets, to the extent they have been received, to determine the presence of a requirement for calculating a measure of creditworthiness, wherein the requirement is based on at least one triggering event; andusing the first and second data sets, by the at least one computer processor, to the extent they have been received, and the third and fourth data sets, to periodically determine the measure of creditworthiness based on the requirement;wherein the at least one computer processor is located in at least one computing device that is communicatively coupled to a network. 2. The method of claim 1, wherein the first and second data sets are received at least weekly, and third data set is received at least bi-monthly, and the fourth data set is received monthly. 3. The method of claim 1, further comprising: defining, by the at least one computer processor, a plurality of account holder segments based on at least one characteristic of the account holders;defining, by the at least one computer processor, at least one risk model for each of the plurality of account holder segments; anddetermining a subsequent measure of creditworthiness based on the at least one risk model associated with the plurality of account holder segments by calculating a risk score. 4. The method of claim 1, wherein the triggering event comprises one of: (a) a receipt of payment, (b) a transaction greater than a predetermined amount, or (c) any event reported in the first data set. 5. The method of claim 1, further comprising: creating, by the at least one computer processor, an account transactions profile based on the second data set;creating, by the at least one computer processor, a credit history profile based on the third data set;creating, by the at least one computer processor, an account history profile based on the fourth data set; andinputting, by the at least one computer processor, the account transactions profile, the credit history profile, and the account history profile into a scoring engine to determine the measure of creditworthiness. 6. The method of claim 1, further comprising: representing, by the at least one computer processor, a plurality of values in the fourth data set as a single value; andusing, by the at least one computer processor, the single value in determining the measure of creditworthiness. 7. The method of claim 6, wherein the step of representing is carried out using a weighted average. 8. The method of claim 1, wherein the organization is a credit reporting organization. 9. The method of claim 1, wherein the account is a credit account. 10. A computer implemented system for evaluating current creditworthiness of a current account holder of an account comprising: a computer based network;at least one server, wherein the at least one server is communicatively coupled to the computer based network and the at least one server comprises: means for determining, periodically, whether a first data set relating to the current creditworthiness of the current account holder has been received from an organization;means for determining, periodically, whether a second data set relating to transaction activity of the account has been received;means for receiving, periodically, from the organization a third data set relating to the creditworthiness of the account holder;means for receiving, periodically, a fourth data set relating to the historical activity of the account;means for analyzing the first, second, third, and fourth data sets, to the extent they have been received, to determine the presence of a requirement for calculating a measure of creditworthiness, wherein the requirement is based on at least one triggering event; andmeans for determining, periodically, a measure of the creditworthiness using the first and second data sets, to the extent they have been received, and the third and fourth data sets. 11. The computer implemented system of claim 10, further comprising: means for defining a plurality of account holder segments based on at least one characteristic of the account holders;means for defining at least one risk model for each of the plurality of account holder segments; and means for determining a subsequent measure of creditworthiness based on the at least one risk model associated with the plurality of account holder segments by calculating a risk score. 12. The method of claim 10, wherein the triggering event comprises one of: a receipt of payment, a transaction greater than a predetermined amount, or any event reported in the first data set. 13. The method of claim 10, wherein the organization is a credit reporting organization. 14. The method of claim 10, wherein the account is a credit account. 15. A computer implemented method for evaluating current creditworthiness of a current account holder of a credit account comprising: determining periodically, by at least one computer processor, whether a first data set relating to the current creditworthiness of the current account holder has been received from a credit reporting organization;determining periodically, by the at least one computer processor, whether a second data set relating to transaction activity of the credit account has been received;receiving periodically, by the at least one computer processor, from the credit reporting organization, a third data set relating to the creditworthiness of the current account holder;receiving periodically, by the at least one computer processor, a fourth data set relating to the historical activity of the credit account;wherein the first and second data sets are received at least weekly, and third data set is received at least bi-monthly, and the fourth data set is received monthly;analyzing, by the at least one computer processor, the first, second, third, and fourth data sets, to the extent they have been received, to determine the presence of a requirement for calculating a measure of creditworthiness, wherein the requirement is based on at least one triggering event that comprises one of: a receipt of payment, a transaction greater than a predetermined amount, or any event reported in the first data set;using the first and second data sets, by the at least one computer processor, to the extent they have been received, and the third and fourth data sets, to periodically determine the measure of creditworthiness based on the requirement;defining, by the at least one computer processor, a plurality of account holder segments based on at least one characteristic of the account holders of each of the plurality of account holder segments;defining, by the at least one computer processor, at least one risk model for each of the plurality of account holder segments; anddetermining a subsequent measure of creditworthiness based on the at least one risk model associated with the plurality of account holder segments by calculating a risk score;wherein the at least one computer processor is located in at least one computing device that is communicatively coupled to a network. 16. The method of claim 15, further comprising: creating, by the at least one computer processor, an account transactions profile based on the second data set;creating, by the at least one computer processor, a credit history profile based on the third data set;creating, by the at least one computer processor, an account history profile based on the fourth data set; andinputting the account transactions profile, the credit history profile, and the account history profile into a scoring engine to determine the measure of creditworthiness. 17. The method of claim 15, further comprising: representing, using a weighted average, a plurality of values in the fourth data set as a single value; andusing the single value in determining the measure of creditworthiness.
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