发明名称 |
System and method for credit scoring using an identity network connectivity |
摘要 |
A technique is provided for determining credit ratings without the need for traditional credit bureau data. In at least one embodiment of the invention, a method comprises the steps of providing a network of linked identity records, each identity record comprising identity related information; receiving an identity record comprising identity related information of the entity; linking the received identity record with at least one of the identity records in the network of linked identity records, quantifying a plurality of linked identity records related to the entity; and generating a credit rating for the entity based on the quantified identity records. Application of the invention is particularly useful for individuals with less than a few years credit behavior recorded on a credit bureau, such as immigrants or young people with limited traditional historical information (thin file) and individuals with no traditional historical information (no hit).
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申请公布号 |
US8386377(B1) |
申请公布日期 |
2013.02.26 |
申请号 |
US20080107672 |
申请日期 |
2008.04.22 |
申请人 |
ID ANALYTICS, INC.;XIONG SHANJI;XIE JIANJUN;LIN YINGHUA;WU GUOWEI;LU QUAN;COGGESHALL STEPHEN |
发明人 |
XIONG SHANJI;XIE JIANJUN;LIN YINGHUA;WU GUOWEI;LU QUAN;COGGESHALL STEPHEN |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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