System and method for automated detection of never-pay data sets
US8364588B2 · kind B2 · utility
116Cited by
279References
16Claims
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Key dates
| Filing date | Sep 2, 2010 |
| Grant date | Jan 29, 2013 |
| Priority date | — |
| Expiry date | Sep 2, 2030 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q30/06
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but over the life of the account, never make a payment) can be useful to various commercial entities, such as those issuing mortgages, home equity lines of credit, consumer or business lines of credit, automobile loans, credit card accounts, or those entities providing services, such as utility services, phone services, and the like.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.