Methods and systems of predicting mortgage payment risk
US7966256B2 · kind B2 · utility
20Cited by
9References
20Claims
0Family size
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Key dates
| Filing date | Oct 6, 2008 |
| Grant date | Jun 21, 2011 |
| Priority date | — |
| Expiry date | Mar 4, 2029 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method for detecting a risk of payment default comprises receiving mortgage data associated with a mortgage application, the mortgage application associated with an applicant, determining a first score for the mortgage data based at least partly on one or more models that are based on data from a plurality of historical mortgage transactions and based on historical credit information related to the applicant, and generating data indicative of a risk of payment default based at least partly on the first score.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.