Extracting behaviors and suggesting behaviors to achieve a desired credit score
US10803517B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Jul 31, 2015 |
| Grant date | Oct 13, 2020 |
| Priority date | — |
| Expiry date | Feb 27, 2037 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
System and methods for extracting behaviors and suggesting behaviors to achieve a desired credit score may include receiving, via a network, account data including information regarding currency outlays made by a first sample population; generating, by a computing device, a plurality of behavior patterns based on currency outlay patterns extracted from the account data; receiving, by the computing device, credit score data for the first sample population; formulating, by the computing device, a model for predicting a credit score change; and storing the model on a data storage device. The model may include variables corresponding to each of the plurality of behavior patterns and a likely credit score affect.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.