Macroeconomic-adjusted credit risk score systems and methods
US7653593B2 · kind B2 · utility
105Cited by
12References
21Claims
0Family size
Assignee
Inventors
Key dates
| Filing date | Nov 8, 2007 |
| Grant date | Jan 26, 2010 |
| Priority date | — |
| Expiry date | Nov 8, 2027 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/04
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Various embodiments of the present invention provide systems and methods for automatically compensating an individual's credit risk score for macroeconomic data. In particular, various embodiments provide systems and methods to determine a macroeconomic risk score. In addition, various embodiments provide systems and methods to determine an adjusted credit risk score for an individual based on the individual's credit risk score and a macroeconomic risk score that serves as a scale adjuster to keep overall delinquency and/or loss rates in line as economic factors change.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.