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1. 发明申请

US20130018776A1 System and Method for Income Risk Assessment Utilizing Income Fraud and Income Estimation Models 审中-公开
标题翻译：利用收入欺诈和收入估算模型进行收入风险评估的制度与方法
公开(公告)号：US20130018776A1
公开(公告)日：2013-01-17
申请号：US13182228
申请日：2011-07-13
申请人： Jianjun Xie , Hoi-Ming Chi , Roger Noe , Mike Barnett , Brent Gaddis , James Baker
发明人： Jianjun Xie , Hoi-Ming Chi , Roger Noe , Mike Barnett , Brent Gaddis , James Baker
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02
摘要： A method of income validation and evaluation for income risk assessment is disclosed in one embodiment. The method includes receiving a borrower loan request including a plurality of borrower data selected from the group consisting of: an employment type code, a borrower date-of-birth, a borrower zip code and a stated monthly income. The method further includes analyzing the received plurality of borrower data with respect to a stored plurality of borrower data to generate a normalized plurality of borrower data, implementing, if the stated monthly income is non-zero, an income fraud model utilizing at least the normalized plurality of borrower data including the employment type code, the borrower date-of-birth and the borrower zip code to determine an income fraud score based on the normalized plurality of borrower data, implementing an income estimation model utilizing at least the normalized plurality of borrower data and an age-band to determine a predicted income, and determining a risk assessment value as a function of the income fraud model and the income estimation mode.
摘要翻译：在一个实施例中公开了收入风险评估的收入确认和评估方法。该方法包括接收借款人贷款请求，其中包括从由以下各项组成的组中选择的多个借款人数据：雇佣类型代码，借款人出生日期，借款人邮政编码和所述月收入。该方法还包括分析所接收的多个借款人数据相对于所存储的多个借款人数据以产生归一化的多个借款人数据，如果所述月收入不为零，则实施至少使用归一化的收入欺诈模型多个借款人数据，包括就业类型代码，借款人出生日期和借款人邮政编码，以根据归一化的多个借款人数据确定收入欺诈分数，实施利用至少归一化的多个借款人的收入估计模型数据和年龄段来确定预测收入，以及确定风险评估值作为收入欺诈模型和收入估计模式的函数。

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