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1. 发明申请

US20120150725A1 RISK IDENTIFICATION SYSTEM AND METHODS 有权
标题翻译：风险识别系统和方法
公开(公告)号：US20120150725A1
公开(公告)日：2012-06-14
申请号：US13400279
申请日：2012-02-20
申请人： G. Michael Moebs , Kenneth A. Williams
发明人： G. Michael Moebs , Kenneth A. Williams
IPC分类号： G06Q40/02
CPC分类号： G06Q10/10 , G06Q40/025 , G06Q40/08
摘要： The present invention relates to a system and methods by which the risk associated with a new opportunity or new or ongoing relationship may be assessed. An example of such new opportunity or new relationship for which the present invention may be used to assess the risk is that concerning a potential new customer of a financial institution. The risk assessment of the present invention may be used to assess whether a new customer should be taken on as a customer and, if so, to what extent should the possible full range of account benefits be provided to the new customer. Other applications include assessing risk regarding a candidate for employment, assessing casualty loss and/or repayment risk in the insurance industry, and assessing risk in a landlord tenant relationship to determine whether or not to rent to the prospective tenant and if so, the amount of the security deposit.
摘要翻译：本发明涉及可以评估与新机会或新的或正在进行的关系相关联的风险的系统和方法。本发明可用于评估风险的这种新机会或新关系的一个例子是关于金融机构的潜在新客户。本发明的风险评估可用于评估新客户是否应当作为客户服用，如果是，则应该在多大程度上向新客户提供可能的全方位的帐户利益。其他应用包括评估就业候选人的风险，评估保险业中的人员伤亡和/或还款风险，以及评估业主租客关系中的风险，以确定是否向租户承租，如果是，保证金。

2. 发明授权

US07676408B2 Risk identification system and methods 有权
标题翻译：风险识别系统和方法
公开(公告)号：US07676408B2
公开(公告)日：2010-03-09
申请号：US10937933
申请日：2004-09-10
申请人： G. Michael Moebs , Kenneth A. Williams
发明人： G. Michael Moebs , Kenneth A. Williams
IPC分类号： G06Q40/00
CPC分类号： G06Q10/10 , G06Q40/00 , G06Q40/025 , G06Q40/06 , G06Q40/08
摘要： The present invention relates to a system and methods by which the risk associated with a new opportunity or new or ongoing relationship may be assessed. An example of such new opportunity or new relationship for which the present invention may be used to assess the risk is that concerning a potential new customer of a financial institution. The risk assessment of the present invention may be used to assess whether a new customer should be taken on as a customer and, if so, to what extent should the possible full range of account benefits be provided to the new customer. Other applications include assessing risk regarding a candidate for employment, assessing casualty loss and/or repayment risk in the insurance industry, and assessing risk in a landlord tenant relationship to determine whether or not to rent to the prospective tenant and if so, the amount of the security deposit.
摘要翻译：本发明涉及可以评估与新机会或新的或正在进行的关系相关联的风险的系统和方法。本发明可用于评估风险的这种新机会或新关系的一个例子是关于金融机构的潜在新客户。本发明的风险评估可用于评估新客户是否应当作为客户服用，如果是，则应该在多大程度上向新客户提供可能的全方位的帐户利益。其他应用包括评估就业候选人的风险，评估保险业中的人员伤亡和/或还款风险，以及评估业主租客关系中的风险，以确定是否向租户承租，如果是，保证金。

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