IMPROVED FINANCIAL RISK PREDICTION SYSTEMS AND METHODS THEREFOR
摘要
<p>A computer-implemented method for predicting financial risk, which includes receiving first transaction data pertaining to transactions performed on a first financial account. The first financial account represents a financial account issued to a given account holder by a first account issuer. The method further includes receiving second transaction data pertaining to transaction performed on a second financial account different from the first financial account. The second financial account represents a financial account issued to the given account holder by a second account issuer different from the first account issuer. There is further included scoring the first transaction data and the second transaction data based on a preexisting model to form a score for the account holder. Additionally, there is included transmitting, if the score is below a predefined financial risk threshold, the score to one of the first account issuer and the second account issuer.</p>
申请公布号
WO9854667(A1)
申请公布日期
1998.12.03
申请号
WO1998US10740
申请日期
1998.05.27
申请人
VISA INTERNATIONAL SERVICE ASSOCIATION;BASCH, CATHERINE, A.;BRUESEWITZ, BELVA, J.;SIEGEL, KEVIN;FAITH, PATRICK
发明人
BASCH, CATHERINE, A.;BRUESEWITZ, BELVA, J.;SIEGEL, KEVIN;FAITH, PATRICK