Method and system for credit risk identification
US11830064B2 · kind B2 · utility
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22References
14Claims
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Key dates
| Filing date | Dec 31, 2020 |
| Grant date | Nov 28, 2023 |
| Priority date | — |
| Expiry date | Jan 21, 2041 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q10/067
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method and system for credit risk identification. The disclosed embodiments include receiving a loan request to a credit business system from a user; in response to the loan request, obtaining operation data by the user on the credit business system within a period of time before the loan request; performing risk identification on the user using a neuronal network according to the loan request and the operation data to generate a result, and determining a response to the loan request based on the result of the risk identification.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.