Macroeconomic-adjusted credit risk score systems and methods
US8024263B2 · kind B2 · utility
76Cited by
21References
22Claims
0Family size
Assignee
Inventors
Key dates
| Filing date | Jan 19, 2010 |
| Grant date | Sep 20, 2011 |
| Priority date | — |
| Expiry date | Jan 19, 2030 |
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.