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31. 发明授权

US08335741B2 System and method for interactively simulating a credit-worthiness score 有权
标题翻译：用于交互式模拟信用评分得分的系统和方法
公开(公告)号：US08335741B2
公开(公告)日：2012-12-18
申请号：US13225225
申请日：2011-09-02
申请人： Adam T. Kornegay , Joseph L. Greenwald , Constance A. Elliott
发明人： Adam T. Kornegay , Joseph L. Greenwald , Constance A. Elliott
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.
摘要翻译：提供了一种系统和方法，以允许消费者通过基于他的实际信用数据提交假设值来交互地探索他的信用评分。该系统使用消费者的实际信用数据和提交的假设值来根据模拟计数卡计算模拟信用评分。消费者然后可以观察得出的得分的变化。该系统和记分卡可以利用比完整的信用评分卡更少的数据元素，并且可以专注于影响消费者信用评分的关键要素。该系统可以部分地实现在web服务器上或作为独立应用。当消费者调整假设值或者可能要求消费者肯定地提交新的假设数据时，系统还可以动态地更新分数。

32. 发明申请

US20120116950A1 SYSTEM AND METHOD FOR GENERATING A FINANCE ATTRIBUTE FROM TRADELINE DATA 有权
标题翻译：从贸易数据中产生财务属性的系统和方法
公开(公告)号：US20120116950A1
公开(公告)日：2012-05-10
申请号：US13253776
申请日：2011-10-05
申请人： Luz M. Torrez , Adam Thomas Kornegay
发明人： Luz M. Torrez , Adam Thomas Kornegay
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025 , G06Q10/04 , G06Q10/06
摘要： Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics.
摘要翻译：描述了用于生成财务属性的系统和方法的实施例。在一个实施例中，系统和方法从多个信用局检索原始交易数据，检索与多个信用局中的每一个相关的行业代码数据，确定满足至少一个预定阈值的一个或多个交易行调平特征，并使用所选择的调平特征生成财务属性。

33. 发明授权

US08036979B1 System and method for generating a finance attribute from tradeline data 有权
标题翻译：从业务数据生成财务属性的系统和方法
公开(公告)号：US08036979B1
公开(公告)日：2011-10-11
申请号：US11973300
申请日：2007-10-05
申请人： Luz M. Torrez , Adam Thomas Kornegay
发明人： Luz M. Torrez , Adam Thomas Kornegay
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q10/04 , G06Q10/06
摘要： Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics.
摘要翻译：描述了用于生成财务属性的系统和方法的实施例。在一个实施例中，系统和方法从多个信用局检索原始交易数据，检索与多个信用局中的每一个相关的行业代码数据，确定满足至少一个预定阈值的一个或多个交易行调平特征，并使用所选择的调平特征生成财务属性。

34. 发明授权

US08015107B2 System and method for interactively simulating a credit-worthiness score 有权
标题翻译：用于交互式模拟信用评分得分的系统和方法
公开(公告)号：US08015107B2
公开(公告)日：2011-09-06
申请号：US12606060
申请日：2009-10-26
申请人： Adam T. Kornegay , Joseph L. Greenwald , Constance A. Elliott
发明人： Adam T. Kornegay , Joseph L. Greenwald , Constance A. Elliott
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.
摘要翻译：提供了一种系统和方法，以允许消费者通过基于他的实际信用数据提交假设值来交互地探索他的信用评分。该系统使用消费者的实际信用数据和提交的假设值来根据模拟计数卡计算模拟信用评分。消费者然后可以观察得出的得分的变化。该系统和记分卡可以利用比完整的信用评分卡更少的数据元素，并且可以专注于影响消费者信用评分的关键要素。该系统可以部分地实现在web服务器上或作为独立应用。当消费者调整假设值或者可能要求消费者肯定地提交新的假设数据时，系统还可以动态地更新分数。

35. 发明申请

US20110213641A1 SYSTEMS AND METHODS FOR DETERMINING LOAN OPPORTUNITIES 审中-公开
标题翻译：用于确定贷款机会的系统和方法
公开(公告)号：US20110213641A1
公开(公告)日：2011-09-01
申请号：US13105203
申请日：2011-05-11
申请人： Frank X. Metzger, II , Sherri Joyann Densmore
发明人： Frank X. Metzger, II , Sherri Joyann Densmore
IPC分类号： G06Q10/00
CPC分类号： G06Q40/02 , G06Q20/102 , G06Q30/0205 , G06Q40/00 , G06Q40/025
摘要： A loan opportunity system is configured to analyze loan data and/or population data in order to determine loan opportunities for a lender, such as a credit union. In one embodiment a lender is initially provided with one or more estimated loan opportunity indicators, such as indicators of quantities of loans in a specific geographic region for which the lender can likely offer lower rates. Subsequently, upon completion of a payment agreement with a loan opportunity provider, for example, and establishment of loan parameters associated with borrowers (and their existing loans) to which the lender would like to make firm offers of credit, the lender is provided with a loan opportunity list indicating details of borrowers and their respective loans for which the particular lender can likely offer lower rates.
摘要翻译：贷款机会系统被配置为分析贷款数据和/或人口数据，以确定贷款机构，如信用社。在一个实施例中，贷款人最初被提供有一个或多个估计贷款机会指标，例如放贷者可能提供较低利率的特定地理区域中的贷款量的指标。随后，例如，在与贷款机会供应商完成付款协议后，以及建立与借款人（及其现有贷款）相关联的贷款参数，贷款人想要向其提供固定的信贷提供，贷款人将获得一个贷款机会清单，指明借款人的详细资料及其各自的贷款，特定贷方可能提供较低的利率。

36. 发明授权

US08005759B2 System and method for providing a score for a used vehicle 有权
标题翻译：提供二手车分数的系统和方法
公开(公告)号：US08005759B2
公开(公告)日：2011-08-23
申请号：US11893609
申请日：2007-08-16
申请人： Edith Hirtenstein , David Nemtuda
发明人： Edith Hirtenstein , David Nemtuda
IPC分类号： G06Q10/00
CPC分类号： G06Q30/0278 , G06Q30/0283 , G06Q30/0603
摘要： One embodiment of the system and method described herein provides a score generator system that generates an automated vehicle specific valuation of a used car based on the physical and historical attributes of that vehicle. This score may indicate the likelihood that the vehicle will be on the road in a specific period of time. The score may give an absolute percentage of such likelihood or it may give a value relative to all other used vehicles in a database, all other used vehicles of the same make/model/year, or a certain subset of the vehicles in a database. In one embodiment, the score generator system includes a data link module for linking vehicle data and filter module for applying a multi-level filters that process the linked vehicle data.
摘要翻译：本文描述的系统和方法的一个实施例提供了一种分数发生器系统，其基于该车辆的物理和历史属性生成二手车的自动车辆特定估值。该分数可能表明车辆在特定时段内将在路上的可能性。得分可能给出这种可能性的绝对百分比，或者可以给出相对于数据库中所有其他二手车辆，所有其他二手车辆，同一品牌/型号/年份或数据库中某些车辆子集的值。在一个实施例中，分数发生器系统包括用于链接车辆数据和过滤器模块的数据链接模块，用于应用处理连接的车辆数据的多级过滤器。

37. 发明授权

US07991689B1 Systems and methods for detecting bust out fraud using credit data 有权
公开(公告)号：US07991689B1
公开(公告)日：2011-08-02
申请号：US12220320
申请日：2008-07-23
申请人： Hakan Olof Brunzell , Arielle Renee Caron , Tak Wun Wong
发明人： Hakan Olof Brunzell , Arielle Renee Caron , Tak Wun Wong
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025 , G06Q40/08
摘要： Systems and methods are for, for example, predicting bust out fraud using credit bureau data. In one embodiment, credit bureau scoring models are created using credit bureau data to detect bust out fraud. The credit bureau scoring models may be then applied to consumer data to determine whether a consumer is involved in bust out fraud.

38. 发明授权

US07925582B1 Credit score simulation 有权
标题翻译：信用评分模拟
公开(公告)号：US07925582B1
公开(公告)日：2011-04-12
申请号：US12563779
申请日：2009-09-21
申请人： Adam T. Kornegay , Matthew R. Schwab , Marcos C. de Almeida
发明人： Adam T. Kornegay , Matthew R. Schwab , Marcos C. de Almeida
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： Systems and methods are described that simulate a credit score. The system enables a user to modify a credit data element in order to determine its effect on a credit score. The user can modify the element directly or simulate an action that, if performed, would modify the element. Since the number of possible modifications and actions can be overwhelming, in one embodiment, the system suggests modifications and actions to be simulated. These suggestions can be tailored to a user's goal, such as increasing a credit score by a particular number of points or allocating a particular sum of money in order to maximize a credit score. In one embodiment, the system obtains credit data from multiple credit bureaus and can determine credit scores using different algorithms, such as the different algorithms used by the different credit bureaus.
摘要翻译：描述了模拟信用评分的系统和方法。该系统使用户能够修改信用数据元素以便确定其对信用评分的影响。用户可以直接修改元素，或者模拟一个动作，如果执行，则会修改该元素。由于可能的修改和动作的数量可以是压倒性的，在一个实施例中，系统建议要被模拟的修改和动作。这些建议可以根据用户的目标进行调整，例如通过特定点数增加信用分数或分配特定金额以最大化信用评分。在一个实施例中，系统从多个信用局获得信用数据，并且可以使用不同的算法来确定信用评分，例如由不同的信用局使用的不同的算法。

39. 发明授权

US07908242B1 Systems and methods for optimizing database queries 有权
公开(公告)号：US07908242B1
公开(公告)日：2011-03-15
申请号：US11103659
申请日：2005-04-11
申请人： Venkat R. Achanta
发明人： Venkat R. Achanta
IPC分类号： G06F17/00 , G06F7/00 , G06F17/30
CPC分类号： G06F17/30442
摘要： A relational database warehouse system with query optimization capabilities is described that allows for speedy identification of sets of records of interest from amongst tens of millions of records. The records of interest may include complex derived attributes, generated, at least in part, by aggregating data from a plurality of records in base data tables. In various embodiments, the query optimization capabilities allow the database warehouse system to identify conditions under which normal query execution may be replaced by one or more optimized execution methods, including, for example, eliminating unnecessary inner join operations on base data tables specified by a query, re-ordering the execution of group-by operations and left-outer join operations to greatly reduce the size of join tables produced while processing a query, and/or consolidating a set of segmentation queries for execution in one pass over the records of the database.

40. 发明申请

US20110016042A1 SYSTEM AND METHOD FOR TRACKING AND ANALYZING LOANS INVOLVED IN ASSET-BACKED SECURITIES 审中-公开
标题翻译：跟踪和分析参与资产负债证券的贷款的系统和方法
公开(公告)号：US20110016042A1
公开(公告)日：2011-01-20
申请号：US12933073
申请日：2009-03-18
申请人： Soogyung Cho , Matt R. Schwab , Kerry Lee Williams
发明人： Soogyung Cho , Matt R. Schwab , Kerry Lee Williams
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/025
摘要： Embodiments of the disclosure are directed to providing unique loan identifiers to track loans involved in Asset-Backed Securities (ABS) throughout the life-cycle of the individual loans, in one embodiment, a unique loan identifier, for example, a loan number, may be appended to loan data at initiation of each loan, for example, at the application stage, to and/or beyond the retirement of the loan. The unique loan identifiers may allow disparate financial data sources such as the credit histories of the borrowers to be associated with the individual loans, even as the loans are repackaged and resold as ABS in the secondary markets. Thus, market participants such as loan servicers and investors can access current and historical data associated with the loans. Other embodiments are directed to analyzing the data associated with the underlying loans and providing the analysis to the market participants including servicers, investors, and underwriters.
摘要翻译：本公开的实施例旨在提供唯一的贷款标识符来跟踪在个人贷款的整个生命周期中参与资产支持证券（ABS）的贷款，在一个实施例中，唯一的贷款标识符，例如贷款号码，可以在贷款开始时，例如在申请阶段，贷款的退休时间和/或之后，追加贷款数据。唯一的贷款标识符可以允许不同的财务数据来源，例如借款人的信用记录与个人贷款相关联，即使贷款在二级市场被重新包装和转售为ABS。因此，贷款服务商和投资者等市场参与者可以获取与贷款相关的当前和历史数据。其他实施例旨在分析与相关贷款相关联的数据，并向包括服务商，投资者和承销商在内的市场参与者提供分析。

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