Systems and methods for generating a credit score based at least in part upon telematics data
US11847691B2 · kind B2 · utility
0Cited by
7References
15Claims
0Family size
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Key dates
| Filing date | Feb 27, 2020 |
| Grant date | Dec 19, 2023 |
| Priority date | — |
| Expiry date | Aug 6, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07C5/008
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
A user's credit score is determined based at least in part upon collected telematics data and user data associated with the user. A credit score prediction model is created using training datasets of historical data including demographics data, driver profile data, and established credit scores. The credit score prediction model is then used to predict credit scores for users without formal credit scores. A user's credit score is predicted based at least in part upon a driver profile built using telematics data, among other factors.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.