BRPI0520256A2 - mÉtodos e sistemas de simulaÇço de pontuaÇço de risco financeiro e de seleÇço de cenÁrio implementados por computador e meios legÍveis em computador de codificaÇço de programa de computador para simular e selecionar uma pontuaÇço de risco financeiro - Google Patents
mÉtodos e sistemas de simulaÇço de pontuaÇço de risco financeiro e de seleÇço de cenÁrio implementados por computador e meios legÍveis em computador de codificaÇço de programa de computador para simular e selecionar uma pontuaÇço de risco financeiroInfo
- Publication number
- BRPI0520256A2 BRPI0520256A2 BRPI0520256-6A BRPI0520256A BRPI0520256A2 BR PI0520256 A2 BRPI0520256 A2 BR PI0520256A2 BR PI0520256 A BRPI0520256 A BR PI0520256A BR PI0520256 A2 BRPI0520256 A2 BR PI0520256A2
- Authority
- BR
- Brazil
- Prior art keywords
- financial risk
- credit
- scoring
- systems
- computer
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Development Economics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Métodos e Sistemas de Simulação de Pontuação de Risco Financeiro e de Seleção de Cenário Implementados por Computador e Meios Legíveis em Computador de Codificação de Programa de Computador Para Simular e Selecionar uma Pontuação de Risco Financeiro. São descritos sistemas e métodos que simulam uma pontuação de crédito. O sistema capacita um usuário a modificar um elemento de dado de crédito, a fim de determinar o seu efeito numa pontuação de crédito, O usuário pode modificar o elemento diretamente ou simular uma ação que, se realizada, modificaria o elemento. Visto que o número de modificações e ações possíveis pode ser muito grande, numa modalidade, o sistema sugere modificações e ações a serem simuladas. Estas sugestões podem feitas sob medida para os objetivos do usuário, tais como aumentar uma pontuação de crédito de um número particular de pontos ou alocar uma soma particular de dinheiro, a fim de maximizar uma pontuação de crédito. Numa modalidade, o sistema obtém dados de crédito a partir de agências de crédito múltiplo e pode determinar pontuações de crédito usando diferentes algoritmos, tais como os diferentes algoritmos usados pelas diferentes agências de crédito.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US11/150,480 US7593891B2 (en) | 2003-05-30 | 2005-06-10 | Credit score simulation |
| PCT/US2005/041814 WO2006135451A2 (en) | 2005-06-10 | 2005-11-18 | Credit score simulation |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| BRPI0520256A2 true BRPI0520256A2 (pt) | 2009-04-28 |
Family
ID=37532755
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| BRPI0520256-6A BRPI0520256A2 (pt) | 2005-06-10 | 2005-11-18 | mÉtodos e sistemas de simulaÇço de pontuaÇço de risco financeiro e de seleÇço de cenÁrio implementados por computador e meios legÍveis em computador de codificaÇço de programa de computador para simular e selecionar uma pontuaÇço de risco financeiro |
Country Status (5)
| Country | Link |
|---|---|
| US (4) | US7593891B2 (pt) |
| BR (1) | BRPI0520256A2 (pt) |
| CA (1) | CA2611595A1 (pt) |
| MX (1) | MX2007015510A (pt) |
| WO (1) | WO2006135451A2 (pt) |
Families Citing this family (122)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US9400589B1 (en) | 2002-05-30 | 2016-07-26 | Consumerinfo.Com, Inc. | Circular rotational interface for display of consumer credit information |
| US9569797B1 (en) | 2002-05-30 | 2017-02-14 | Consumerinfo.Com, Inc. | Systems and methods of presenting simulated credit score information |
| US7593891B2 (en) | 2003-05-30 | 2009-09-22 | Experian Scorex Llc | Credit score simulation |
| US7610229B1 (en) | 2002-05-30 | 2009-10-27 | Experian Information Solutions, Inc. | System and method for interactively simulating a credit-worthiness score |
| US9710852B1 (en) | 2002-05-30 | 2017-07-18 | Consumerinfo.Com, Inc. | Credit report timeline user interface |
| US8930263B1 (en) | 2003-05-30 | 2015-01-06 | Consumerinfo.Com, Inc. | Credit data analysis |
| US8732004B1 (en) | 2004-09-22 | 2014-05-20 | Experian Information Solutions, Inc. | Automated analysis of data to generate prospect notifications based on trigger events |
| US7822665B2 (en) | 2004-10-29 | 2010-10-26 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet in private equity investments |
| US8543499B2 (en) | 2004-10-29 | 2013-09-24 | American Express Travel Related Services Company, Inc. | Reducing risks related to check verification |
| US8204774B2 (en) | 2004-10-29 | 2012-06-19 | American Express Travel Related Services Company, Inc. | Estimating the spend capacity of consumer households |
| US20070016501A1 (en) | 2004-10-29 | 2007-01-18 | American Express Travel Related Services Co., Inc., A New York Corporation | Using commercial share of wallet to rate business prospects |
| US8086509B2 (en) | 2004-10-29 | 2011-12-27 | American Express Travel Related Services Company, Inc. | Determining commercial share of wallet |
| US8630929B2 (en) | 2004-10-29 | 2014-01-14 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet to make lending decisions |
| US7792732B2 (en) | 2004-10-29 | 2010-09-07 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet to rate investments |
| US20060106695A1 (en) * | 2004-11-12 | 2006-05-18 | International Business Machines Corporation | Real-time credit rating using a single financial account |
| US7711636B2 (en) | 2006-03-10 | 2010-05-04 | Experian Information Solutions, Inc. | Systems and methods for analyzing data |
| US20070294154A1 (en) * | 2006-06-16 | 2007-12-20 | Caterpillar Inc. | Financial recommendation method for a business entity |
| US20070299715A1 (en) * | 2006-06-22 | 2007-12-27 | Brucato George J | Method and system for receiving and accessing feedback information concerning customers |
| US8036979B1 (en) | 2006-10-05 | 2011-10-11 | Experian Information Solutions, Inc. | System and method for generating a finance attribute from tradeline data |
| US20080103798A1 (en) * | 2006-10-25 | 2008-05-01 | Domenikos Steven D | Identity Protection |
| US8359278B2 (en) | 2006-10-25 | 2013-01-22 | IndentityTruth, Inc. | Identity protection |
| US20080103800A1 (en) * | 2006-10-25 | 2008-05-01 | Domenikos Steven D | Identity Protection |
| US8239250B2 (en) | 2006-12-01 | 2012-08-07 | American Express Travel Related Services Company, Inc. | Industry size of wallet |
| US8606626B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | Systems and methods for providing a direct marketing campaign planning environment |
| US8606666B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | System and method for providing an aggregation tool |
| US7788200B2 (en) * | 2007-02-02 | 2010-08-31 | Microsoft Corporation | Goal seeking using predictive analytics |
| US20080243677A1 (en) * | 2007-03-26 | 2008-10-02 | Hogg Jason J | System and method for fluid financial markets |
| US9690820B1 (en) | 2007-09-27 | 2017-06-27 | Experian Information Solutions, Inc. | Database system for triggering event notifications based on updates to database records |
| US8271870B2 (en) | 2007-11-27 | 2012-09-18 | Accenture Global Services Limited | Document analysis, commenting, and reporting system |
| US8412516B2 (en) * | 2007-11-27 | 2013-04-02 | Accenture Global Services Limited | Document analysis, commenting, and reporting system |
| US8266519B2 (en) | 2007-11-27 | 2012-09-11 | Accenture Global Services Limited | Document analysis, commenting, and reporting system |
| US9990674B1 (en) | 2007-12-14 | 2018-06-05 | Consumerinfo.Com, Inc. | Card registry systems and methods |
| US8127986B1 (en) | 2007-12-14 | 2012-03-06 | Consumerinfo.Com, Inc. | Card registry systems and methods |
| US20090171687A1 (en) * | 2007-12-31 | 2009-07-02 | American Express Travel Related Services Company, Inc. | Identifying Industry Passionate Consumers |
| US8312033B1 (en) | 2008-06-26 | 2012-11-13 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
| US20100009320A1 (en) * | 2008-07-11 | 2010-01-14 | Christopher Allen Wilkelis | Credit management course |
| US20100023374A1 (en) * | 2008-07-25 | 2010-01-28 | American Express Travel Related Services Company, Inc. | Providing Tailored Messaging to Customers |
| US9256904B1 (en) | 2008-08-14 | 2016-02-09 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
| US8060424B2 (en) | 2008-11-05 | 2011-11-15 | Consumerinfo.Com, Inc. | On-line method and system for monitoring and reporting unused available credit |
| US20100174638A1 (en) | 2009-01-06 | 2010-07-08 | ConsumerInfo.com | Report existence monitoring |
| CA2754953A1 (en) * | 2009-03-10 | 2010-09-16 | Karen Swenson | Systems and methods for address intelligence |
| US20100293090A1 (en) * | 2009-05-14 | 2010-11-18 | Domenikos Steven D | Systems, methods, and apparatus for determining fraud probability scores and identity health scores |
| US20120072334A1 (en) * | 2009-11-04 | 2012-03-22 | Feinstein Jeffrey A | Responsibility analytics |
| EP2362333A1 (en) | 2010-02-19 | 2011-08-31 | Accenture Global Services Limited | System for requirement identification and analysis based on capability model structure |
| US9652802B1 (en) | 2010-03-24 | 2017-05-16 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
| US8566731B2 (en) | 2010-07-06 | 2013-10-22 | Accenture Global Services Limited | Requirement statement manipulation system |
| US8515842B2 (en) * | 2010-09-14 | 2013-08-20 | Evolution Finance, Inc. | Systems and methods for monitoring and optimizing credit scores |
| US8930262B1 (en) | 2010-11-02 | 2015-01-06 | Experian Technology Ltd. | Systems and methods of assisted strategy design |
| US9147042B1 (en) | 2010-11-22 | 2015-09-29 | Experian Information Solutions, Inc. | Systems and methods for data verification |
| WO2012094393A1 (en) * | 2011-01-04 | 2012-07-12 | The Dun And Bradstreet Corporation | Method and system for generating an index of performance using non-transactional trade data |
| US9400778B2 (en) | 2011-02-01 | 2016-07-26 | Accenture Global Services Limited | System for identifying textual relationships |
| AU2012217565B2 (en) | 2011-02-18 | 2017-05-25 | Csidentity Corporation | System and methods for identifying compromised personally identifiable information on the internet |
| US8600894B2 (en) * | 2011-03-04 | 2013-12-03 | Mark S. Fawer | Three-stage, double blind credit rating of securities |
| US8935654B2 (en) | 2011-04-21 | 2015-01-13 | Accenture Global Services Limited | Analysis system for test artifact generation |
| US9558519B1 (en) | 2011-04-29 | 2017-01-31 | Consumerinfo.Com, Inc. | Exposing reporting cycle information |
| US9665854B1 (en) | 2011-06-16 | 2017-05-30 | Consumerinfo.Com, Inc. | Authentication alerts |
| US9483606B1 (en) | 2011-07-08 | 2016-11-01 | Consumerinfo.Com, Inc. | Lifescore |
| US9106691B1 (en) | 2011-09-16 | 2015-08-11 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
| US8819793B2 (en) | 2011-09-20 | 2014-08-26 | Csidentity Corporation | Systems and methods for secure and efficient enrollment into a federation which utilizes a biometric repository |
| US8738516B1 (en) | 2011-10-13 | 2014-05-27 | Consumerinfo.Com, Inc. | Debt services candidate locator |
| US11030562B1 (en) | 2011-10-31 | 2021-06-08 | Consumerinfo.Com, Inc. | Pre-data breach monitoring |
| US9477988B2 (en) | 2012-02-23 | 2016-10-25 | American Express Travel Related Services Company, Inc. | Systems and methods for identifying financial relationships |
| US8781954B2 (en) | 2012-02-23 | 2014-07-15 | American Express Travel Related Services Company, Inc. | Systems and methods for identifying financial relationships |
| US8538869B1 (en) | 2012-02-23 | 2013-09-17 | American Express Travel Related Services Company, Inc. | Systems and methods for identifying financial relationships |
| US8442886B1 (en) | 2012-02-23 | 2013-05-14 | American Express Travel Related Services Company, Inc. | Systems and methods for identifying financial relationships |
| US9853959B1 (en) | 2012-05-07 | 2017-12-26 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
| US20140074688A1 (en) * | 2012-09-13 | 2014-03-13 | Rawllin International Inc. | Behavioral based score |
| US10055727B2 (en) * | 2012-11-05 | 2018-08-21 | Mfoundry, Inc. | Cloud-based systems and methods for providing consumer financial data |
| US9654541B1 (en) | 2012-11-12 | 2017-05-16 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
| US9916621B1 (en) | 2012-11-30 | 2018-03-13 | Consumerinfo.Com, Inc. | Presentation of credit score factors |
| US10255598B1 (en) | 2012-12-06 | 2019-04-09 | Consumerinfo.Com, Inc. | Credit card account data extraction |
| US9697263B1 (en) | 2013-03-04 | 2017-07-04 | Experian Information Solutions, Inc. | Consumer data request fulfillment system |
| US9870589B1 (en) | 2013-03-14 | 2018-01-16 | Consumerinfo.Com, Inc. | Credit utilization tracking and reporting |
| US10102570B1 (en) | 2013-03-14 | 2018-10-16 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
| US9406085B1 (en) | 2013-03-14 | 2016-08-02 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
| US8812387B1 (en) | 2013-03-14 | 2014-08-19 | Csidentity Corporation | System and method for identifying related credit inquiries |
| US10956879B1 (en) | 2013-03-15 | 2021-03-23 | United Services Automobile Association (Usaa) | Financial security indicator |
| US10685398B1 (en) | 2013-04-23 | 2020-06-16 | Consumerinfo.Com, Inc. | Presenting credit score information |
| US20140379554A1 (en) * | 2013-06-25 | 2014-12-25 | Bank Of America Corporation | Report Discrepancy Identification and Improvement |
| US9443268B1 (en) * | 2013-08-16 | 2016-09-13 | Consumerinfo.Com, Inc. | Bill payment and reporting |
| US10325314B1 (en) * | 2013-11-15 | 2019-06-18 | Consumerinfo.Com, Inc. | Payment reporting systems |
| US9477737B1 (en) | 2013-11-20 | 2016-10-25 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
| US10262362B1 (en) | 2014-02-14 | 2019-04-16 | Experian Information Solutions, Inc. | Automatic generation of code for attributes |
| USD759690S1 (en) | 2014-03-25 | 2016-06-21 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
| USD760256S1 (en) | 2014-03-25 | 2016-06-28 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
| USD759689S1 (en) | 2014-03-25 | 2016-06-21 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
| US9892457B1 (en) | 2014-04-16 | 2018-02-13 | Consumerinfo.Com, Inc. | Providing credit data in search results |
| US11216815B2 (en) | 2014-05-27 | 2022-01-04 | American Express Travel Related Services Company, Inc. | Systems and methods for fraud liability shifting |
| US10339527B1 (en) | 2014-10-31 | 2019-07-02 | Experian Information Solutions, Inc. | System and architecture for electronic fraud detection |
| US10242019B1 (en) | 2014-12-19 | 2019-03-26 | Experian Information Solutions, Inc. | User behavior segmentation using latent topic detection |
| US9722957B2 (en) * | 2015-05-04 | 2017-08-01 | Conduent Business Services, Llc | Method and system for assisting contact center agents in composing electronic mail replies |
| US11151468B1 (en) | 2015-07-02 | 2021-10-19 | Experian Information Solutions, Inc. | Behavior analysis using distributed representations of event data |
| US10803517B2 (en) * | 2015-07-31 | 2020-10-13 | Ncr Corporation | Extracting behaviors and suggesting behaviors to achieve a desired credit score |
| US11410230B1 (en) | 2015-11-17 | 2022-08-09 | Consumerinfo.Com, Inc. | Realtime access and control of secure regulated data |
| US10757154B1 (en) | 2015-11-24 | 2020-08-25 | Experian Information Solutions, Inc. | Real-time event-based notification system |
| CN105719332B (zh) * | 2016-01-20 | 2019-02-19 | 阿里巴巴集团控股有限公司 | 色彩补间动画的实现方法和装置 |
| US20180012299A1 (en) * | 2016-07-11 | 2018-01-11 | Lantern Credit, LLC | System and methods for extending credit lines associated with credit ratings |
| US20180101591A1 (en) * | 2016-10-06 | 2018-04-12 | Capital One Services, LLC. | Methods and Systems for Cluster-Based Historical Data |
| CA3041289C (en) * | 2016-10-21 | 2023-08-08 | Allstate Insurance Company | Digital safety and account discovery |
| US10915881B2 (en) | 2017-01-27 | 2021-02-09 | American Express Travel Related Services Company, Inc. | Transaction account charge splitting |
| EP3555837B1 (en) | 2017-01-31 | 2026-06-17 | Experian Information Solutions, Inc. | Massive scale heterogeneous data ingestion and user resolution |
| US11232489B2 (en) | 2017-04-24 | 2022-01-25 | Consumer Direct, Inc. | Scenario gamification to provide actionable elements and temporally appropriate advertising |
| US11514517B2 (en) | 2017-04-24 | 2022-11-29 | Consumer Direct, Inc. | Scenario gamification to provide improved mortgage and securitization |
| US10735183B1 (en) | 2017-06-30 | 2020-08-04 | Experian Information Solutions, Inc. | Symmetric encryption for private smart contracts among multiple parties in a private peer-to-peer network |
| USD847840S1 (en) * | 2017-07-31 | 2019-05-07 | Equifax Inc. | Display screen or portion thereof with a credit score simulation interface |
| US10699028B1 (en) | 2017-09-28 | 2020-06-30 | Csidentity Corporation | Identity security architecture systems and methods |
| US10896472B1 (en) | 2017-11-14 | 2021-01-19 | Csidentity Corporation | Security and identity verification system and architecture |
| KR101979427B1 (ko) * | 2017-12-28 | 2019-05-16 | 아주대학교산학협력단 | 부채 관리 능력에 관한 평가 교육 장치 및 그 방법 |
| US10671749B2 (en) | 2018-09-05 | 2020-06-02 | Consumerinfo.Com, Inc. | Authenticated access and aggregation database platform |
| US11315179B1 (en) | 2018-11-16 | 2022-04-26 | Consumerinfo.Com, Inc. | Methods and apparatuses for customized card recommendations |
| US11620403B2 (en) | 2019-01-11 | 2023-04-04 | Experian Information Solutions, Inc. | Systems and methods for secure data aggregation and computation |
| US11238656B1 (en) | 2019-02-22 | 2022-02-01 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
| JP6803948B1 (ja) * | 2019-06-24 | 2020-12-23 | 三井住友カード株式会社 | 信用情報の解説システム |
| US20210012219A1 (en) * | 2019-07-10 | 2021-01-14 | Sap Se | Dynamic generation of rule and logic statements |
| US11941065B1 (en) | 2019-09-13 | 2024-03-26 | Experian Information Solutions, Inc. | Single identifier platform for storing entity data |
| US12430646B2 (en) | 2021-04-12 | 2025-09-30 | Csidentity Corporation | Systems and methods of generating risk scores and predictive fraud modeling |
| US11756040B2 (en) | 2021-08-09 | 2023-09-12 | Kevin Wayne Marcum | System and method for generating a contention scheme |
| US12586126B2 (en) | 2021-11-03 | 2026-03-24 | Consumerinfo.Com, Inc. | Methods and apparatuses for generating a new credit file and adding tradelines |
| USD1091567S1 (en) * | 2022-03-30 | 2025-09-02 | Nasdaq Technology Ab | Display screen or portion thereof with animated graphical user interface |
| US12536557B2 (en) * | 2022-04-21 | 2026-01-27 | Merchant & Gould P.C. | Risk assessment management system and method |
| CN117573158B (zh) * | 2023-11-02 | 2024-07-19 | 睿智合创(北京)科技有限公司 | 一种信用评分产品的无感升级切换方法及系统 |
| CN121168616B (zh) * | 2025-11-19 | 2026-04-21 | 钱塘征信有限公司 | 基于大模型的信用评分模拟方法及装置 |
Family Cites Families (171)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US3316395A (en) | 1963-05-23 | 1967-04-25 | Credit Corp Comp | Credit risk computer |
| US3316396A (en) | 1965-11-15 | 1967-04-25 | E W Gilson | Attachable signal light for drinking glass |
| US4305059A (en) | 1980-01-03 | 1981-12-08 | Benton William M | Modular funds transfer system |
| US4578530A (en) | 1981-06-26 | 1986-03-25 | Visa U.S.A., Inc. | End-to-end encryption system and method of operation |
| US4736294A (en) * | 1985-01-11 | 1988-04-05 | The Royal Bank Of Canada | Data processing methods and apparatus for managing vehicle financing |
| US4774664A (en) | 1985-07-01 | 1988-09-27 | Chrysler First Information Technologies Inc. | Financial data processing system and method |
| US4876592A (en) * | 1986-03-10 | 1989-10-24 | Henry Von Kohorn | System for merchandising and the evaluation of responses to broadcast transmissions |
| US4926255A (en) * | 1986-03-10 | 1990-05-15 | Kohorn H Von | System for evaluation of response to broadcast transmissions |
| US4895518A (en) * | 1987-11-02 | 1990-01-23 | The University Of Michigan | Computerized diagnostic reasoning evaluation system |
| JPH01255993A (ja) | 1988-04-05 | 1989-10-12 | Sharp Corp | 金銭出納装置 |
| US5025373A (en) | 1988-06-30 | 1991-06-18 | Jml Communications, Inc. | Portable personal-banking system |
| US4947028A (en) | 1988-07-19 | 1990-08-07 | Arbor International, Inc. | Automated order and payment system |
| US5148365A (en) | 1989-08-15 | 1992-09-15 | Dembo Ron S | Scenario optimization |
| US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
| US5297031A (en) | 1990-03-06 | 1994-03-22 | Chicago Board Of Trade | Method and apparatus for order management by market brokers |
| US5262941A (en) * | 1990-03-30 | 1993-11-16 | Itt Corporation | Expert credit recommendation method and system |
| US5274547A (en) | 1991-01-03 | 1993-12-28 | Credco Of Washington, Inc. | System for generating and transmitting credit reports |
| US6289322B1 (en) * | 1998-03-03 | 2001-09-11 | Checkfree Corporation | Electronic bill processing |
| US5259766A (en) * | 1991-12-13 | 1993-11-09 | Educational Testing Service | Method and system for interactive computer science testing, anaylsis and feedback |
| US5640577A (en) | 1991-12-30 | 1997-06-17 | Davox Corporation | Data processing system with automated at least partial forms completion |
| US5446885A (en) | 1992-05-15 | 1995-08-29 | International Business Machines Corporation | Event driven management information system with rule-based applications structure stored in a relational database |
| US5336870A (en) | 1992-05-26 | 1994-08-09 | Hughes Thomas S | System for remote purchase payment transactions and remote bill payments |
| US5345595A (en) * | 1992-11-12 | 1994-09-06 | Coral Systems, Inc. | Apparatus and method for detecting fraudulent telecommunication activity |
| US5940811A (en) * | 1993-08-27 | 1999-08-17 | Affinity Technology Group, Inc. | Closed loop financial transaction method and apparatus |
| US5611052A (en) * | 1993-11-01 | 1997-03-11 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
| US5930776A (en) * | 1993-11-01 | 1999-07-27 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
| US5704029A (en) * | 1994-05-23 | 1997-12-30 | Wright Strategies, Inc. | System and method for completing an electronic form |
| US5590038A (en) | 1994-06-20 | 1996-12-31 | Pitroda; Satyan G. | Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions |
| GB9416673D0 (en) | 1994-08-17 | 1994-10-12 | Reuters Ltd | Data exchange filtering system |
| US5689651A (en) | 1994-10-13 | 1997-11-18 | Lozman; Fane | System for processing and displaying financial information |
| US5732400A (en) * | 1995-01-04 | 1998-03-24 | Citibank N.A. | System and method for a risk-based purchase of goods |
| US5696907A (en) | 1995-02-27 | 1997-12-09 | General Electric Company | System and method for performing risk and credit analysis of financial service applications |
| US6070141A (en) * | 1995-05-08 | 2000-05-30 | Image Data, Llc | System and method of assessing the quality of an identification transaction using an identificaion quality score |
| US5774883A (en) * | 1995-05-25 | 1998-06-30 | Andersen; Lloyd R. | Method for selecting a seller's most profitable financing program |
| US5878403A (en) * | 1995-09-12 | 1999-03-02 | Cmsi | Computer implemented automated credit application analysis and decision routing system |
| US5966695A (en) * | 1995-10-17 | 1999-10-12 | Citibank, N.A. | Sales and marketing support system using a graphical query prospect database |
| US5875236A (en) * | 1995-11-21 | 1999-02-23 | At&T Corp | Call handling method for credit and fraud management |
| US6088686A (en) * | 1995-12-12 | 2000-07-11 | Citibank, N.A. | System and method to performing on-line credit reviews and approvals |
| US6038551A (en) | 1996-03-11 | 2000-03-14 | Microsoft Corporation | System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer |
| US5793972A (en) * | 1996-05-03 | 1998-08-11 | Westminster International Computers Inc. | System and method providing an interactive response to direct mail by creating personalized web page based on URL provided on mail piece |
| US5950172A (en) * | 1996-06-07 | 1999-09-07 | Klingman; Edwin E. | Secured electronic rating system |
| US6094643A (en) * | 1996-06-14 | 2000-07-25 | Card Alert Services, Inc. | System for detecting counterfeit financial card fraud |
| US5844218A (en) | 1996-07-16 | 1998-12-01 | Transaction Technology, Inc. | Method and system for using an application programmable smart card for financial transactions in multiple countries |
| US5956693A (en) | 1996-07-19 | 1999-09-21 | Geerlings; Huib | Computer system for merchant communication to customers |
| JP4092441B2 (ja) | 1997-02-24 | 2008-05-28 | 日産自動車株式会社 | 排ガス浄化用触媒 |
| US6064987A (en) * | 1997-03-21 | 2000-05-16 | Walker Digital, Llc | Method and apparatus for providing and processing installment plans at a terminal |
| TW396308B (en) | 1997-04-01 | 2000-07-01 | Tumbleweed Software Corp | Document delivery system |
| US6119103A (en) | 1997-05-27 | 2000-09-12 | Visa International Service Association | Financial risk prediction systems and methods therefor |
| JPH1115756A (ja) * | 1997-06-24 | 1999-01-22 | Omron Corp | 電子メール判別方法及び装置並びに記憶媒体 |
| US6029141A (en) * | 1997-06-27 | 2000-02-22 | Amazon.Com, Inc. | Internet-based customer referral system |
| US5940812A (en) * | 1997-08-19 | 1999-08-17 | Loanmarket Resources, L.L.C. | Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network |
| US6128603A (en) * | 1997-09-09 | 2000-10-03 | Dent; Warren T. | Consumer-based system and method for managing and paying electronic billing statements |
| US5995947A (en) * | 1997-09-12 | 1999-11-30 | Imx Mortgage Exchange | Interactive mortgage and loan information and real-time trading system |
| US6128599A (en) * | 1997-10-09 | 2000-10-03 | Walker Asset Management Limited Partnership | Method and apparatus for processing customized group reward offers |
| US6317727B1 (en) | 1997-10-14 | 2001-11-13 | Blackbird Holdings, Inc. | Systems, methods and computer program products for monitoring credit risks in electronic trading systems |
| DE69820391D1 (de) | 1997-10-31 | 2004-01-22 | Sun Microsystems Inc | Vorausbezahlte Links zu Netwerk-Server |
| US6115690A (en) * | 1997-12-22 | 2000-09-05 | Wong; Charles | Integrated business-to-business Web commerce and business automation system |
| US6202053B1 (en) | 1998-01-23 | 2001-03-13 | First Usa Bank, Na | Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants |
| US6249770B1 (en) | 1998-01-30 | 2001-06-19 | Citibank, N.A. | Method and system of financial spreading and forecasting |
| US6405173B1 (en) * | 1998-03-05 | 2002-06-11 | American Management Systems, Inc. | Decision management system providing qualitative account/customer assessment via point in time simulation |
| US6330575B1 (en) | 1998-03-31 | 2001-12-11 | International Business Machines Corporation | Web commerce tool kit for distributed payment processing |
| US6385594B1 (en) | 1998-05-08 | 2002-05-07 | Lendingtree, Inc. | Method and computer network for co-ordinating a loan over the internet |
| US6311169B2 (en) * | 1998-06-11 | 2001-10-30 | Consumer Credit Associates, Inc. | On-line consumer credit data reporting system |
| US6567791B2 (en) * | 1998-11-03 | 2003-05-20 | Nextcard, Inc. | Method and apparatus for a verifiable on line rejection of an application for credit |
| US6324524B1 (en) * | 1998-11-03 | 2001-11-27 | Nextcard, Inc. | Method and apparatus for an account level offer of credit and real time balance transfer |
| US6405181B2 (en) * | 1998-11-03 | 2002-06-11 | Nextcard, Inc. | Method and apparatus for real time on line credit approval |
| JP2000322486A (ja) | 1999-02-12 | 2000-11-24 | Citibank Na | 銀行カード取引きを履行するための方法およびシステム |
| US6408282B1 (en) | 1999-03-01 | 2002-06-18 | Wit Capital Corp. | System and method for conducting securities transactions over a computer network |
| US6985887B1 (en) | 1999-03-19 | 2006-01-10 | Suncrest Llc | Apparatus and method for authenticated multi-user personal information database |
| US6993504B1 (en) | 1999-04-09 | 2006-01-31 | Trading Technologies International, Inc. | User interface for semi-fungible trading |
| US7212999B2 (en) | 1999-04-09 | 2007-05-01 | Trading Technologies International, Inc. | User interface for an electronic trading system |
| US6748369B2 (en) | 1999-06-21 | 2004-06-08 | General Electric Company | Method and system for automated property valuation |
| US6804346B1 (en) | 1999-07-13 | 2004-10-12 | Interactive Intelligence, Inc. | Staged predictive dialing system |
| US7742972B2 (en) | 1999-07-21 | 2010-06-22 | Longitude Llc | Enhanced parimutuel wagering |
| US8126794B2 (en) | 1999-07-21 | 2012-02-28 | Longitude Llc | Replicated derivatives having demand-based, adjustable returns, and trading exchange therefor |
| US6988085B2 (en) | 1999-10-19 | 2006-01-17 | Shad Hedy | System and method for real-time electronic inquiry, delivery, and reporting of credit information |
| US7085739B1 (en) | 1999-10-20 | 2006-08-01 | Accenture Llp | Method and system for facilitating, coordinating and managing a competitive marketplace |
| US7401040B2 (en) | 1999-11-01 | 2008-07-15 | Accenture Llp | Financial modeling and counseling system |
| US20030065563A1 (en) | 1999-12-01 | 2003-04-03 | Efunds Corporation | Method and apparatus for atm-based cross-selling of products and services |
| AU3970701A (en) | 1999-12-01 | 2001-06-12 | Efunds Corporation | Method and system for funding a financial account |
| KR100554695B1 (ko) | 1999-12-10 | 2006-02-22 | 엔티티 도꼬모 인코퍼레이티드 | 이동통신단말 |
| AU2105001A (en) | 1999-12-15 | 2001-06-25 | E-Scoring, Inc. | Systems and methods for providing consumers anonymous pre-approved offers from aconsumer-selected group of merchants |
| US6622131B1 (en) | 1999-12-23 | 2003-09-16 | Rategenius, Inc. | Method and system for auctioning loans through a computing system |
| US6901406B2 (en) | 1999-12-29 | 2005-05-31 | General Electric Capital Corporation | Methods and systems for accessing multi-dimensional customer data |
| US8078527B2 (en) | 1999-12-29 | 2011-12-13 | The Western Union Company | Methods and systems for actively optimizing a credit score and managing/reducing debt |
| JP2001216391A (ja) | 2000-02-02 | 2001-08-10 | Seiko Epson Corp | 受注管理方法と受注管理システム |
| AU2001233141A1 (en) | 2000-02-04 | 2001-08-14 | America Online Incorporated | Methods and systems of automated client-server data validation |
| CA2400931A1 (en) | 2000-02-22 | 2001-08-30 | Insun Yun | Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet |
| US7076462B1 (en) * | 2000-03-02 | 2006-07-11 | Nelson Joseph E | System and method for electronic loan application and for correcting credit report errors |
| US7127424B2 (en) | 2000-03-02 | 2006-10-24 | Trading Technologies International, Inc. | Click based trading with intuitive grid display of market depth and price consolidation |
| US7228289B2 (en) | 2000-03-02 | 2007-06-05 | Trading Technologies International, Inc. | System and method for trading and displaying market information in an electronic trading environment |
| US7389268B1 (en) | 2000-03-02 | 2008-06-17 | Trading Technologies International, Inc. | Trading tools for electronic trading |
| US6772132B1 (en) | 2000-03-02 | 2004-08-03 | Trading Technologies International, Inc. | Click based trading with intuitive grid display of market depth |
| US6938011B1 (en) | 2000-03-02 | 2005-08-30 | Trading Technologies International, Inc. | Click based trading with market depth display |
| JP2001312586A (ja) | 2000-04-28 | 2001-11-09 | Tokio Marine & Fire Insurance Co Ltd | 格付関連サービス提供支援システム及び方法 |
| US20020128962A1 (en) | 2000-05-04 | 2002-09-12 | Sheldon Kasower | Card management system and method therefore |
| US20060155639A1 (en) | 2000-06-03 | 2006-07-13 | Joan Lynch | System and method for automated process of deal structuring |
| US7024386B1 (en) | 2000-06-23 | 2006-04-04 | Ebs Group Limited | Credit handling in an anonymous trading system |
| US20040199456A1 (en) * | 2000-08-01 | 2004-10-07 | Andrew Flint | Method and apparatus for explaining credit scores |
| US7280980B1 (en) | 2000-08-01 | 2007-10-09 | Fair Isaac Corporation | Algorithm for explaining credit scores |
| US20050154664A1 (en) | 2000-08-22 | 2005-07-14 | Guy Keith A. | Credit and financial information and management system |
| US20020073017A1 (en) | 2000-09-05 | 2002-06-13 | Robert Bender Consulting Ltd. | Method and system of presenting data and analysis for use in stock market trading |
| JP2002092305A (ja) | 2000-09-13 | 2002-03-29 | Hitachi Ltd | スコア算出方法及びスコア提供方法 |
| US7827097B2 (en) | 2000-10-19 | 2010-11-02 | Peter K. Trzyna | System for transferring an inbond communication to one of a plurality of credit-counseling agencies |
| US8209257B2 (en) | 2000-10-19 | 2012-06-26 | Peter K. Trzyna | System for transfering an inbound communication to one of a plurality of credit-counseling agencies |
| US20100299251A1 (en) | 2000-11-06 | 2010-11-25 | Consumer And Merchant Awareness Foundation | Pay yourself first with revenue generation |
| US20030009418A1 (en) | 2000-12-08 | 2003-01-09 | Green Gerald M. | Systems and methods for electronically verifying and processing information |
| US7529698B2 (en) | 2001-01-16 | 2009-05-05 | Raymond Anthony Joao | Apparatus and method for providing transaction history information, account history information, and/or charge-back information |
| US20060014129A1 (en) | 2001-02-09 | 2006-01-19 | Grow.Net, Inc. | System and method for processing test reports |
| US7711635B2 (en) | 2001-02-22 | 2010-05-04 | Fair Isaac Corporation | System and method for helping consumers understand and interpret credit scores |
| US8078524B2 (en) * | 2001-02-22 | 2011-12-13 | Fair Isaac Corporation | Method and apparatus for explaining credit scores |
| US7542993B2 (en) | 2001-05-10 | 2009-06-02 | Equifax, Inc. | Systems and methods for notifying a consumer of changes made to a credit report |
| US7028052B2 (en) | 2001-05-10 | 2006-04-11 | Equifax, Inc. | Systems and methods for notifying a consumer of changes made to a credit report |
| US7249076B1 (en) | 2001-05-14 | 2007-07-24 | Compucredit Intellectual Property Holdings Corp. Iii | Method for providing credit offering and credit management information services |
| AU2002312381A1 (en) | 2001-06-07 | 2002-12-16 | First Usa Bank, N.A. | System and method for rapid updating of credit information |
| WO2002101617A1 (en) | 2001-06-11 | 2002-12-19 | Sony Corporation | Electronic money system |
| US7580884B2 (en) | 2001-06-25 | 2009-08-25 | Intuit Inc. | Collecting and aggregating creditworthiness data |
| US20030004853A1 (en) | 2001-06-28 | 2003-01-02 | Pranil Ram | Graphical front end system for real time security trading |
| US20030009411A1 (en) | 2001-07-03 | 2003-01-09 | Pranil Ram | Interactive grid-based graphical trading system for real time security trading |
| JP2003016261A (ja) | 2001-07-05 | 2003-01-17 | Asahi Bank Ltd | 融資総合管理システム、信用スコアリング判定システム、及び、信用保証管理システム |
| US20030028477A1 (en) | 2001-07-31 | 2003-02-06 | Accredited Bankruptcy Services, Inc. | Automated method and system for consumer financial counseling |
| US7552086B1 (en) | 2001-12-03 | 2009-06-23 | Oracle International Corp. | Methods and systems for managing credit |
| US6950807B2 (en) | 2001-12-31 | 2005-09-27 | Credit Acceptance Corporation | System and method for providing financing |
| US20030154162A1 (en) | 2002-02-11 | 2003-08-14 | Danaher John Thomas | Credit report retrieval system including voice-based interface |
| US20030163435A1 (en) | 2002-02-22 | 2003-08-28 | Payone Bernadino J. | Credit repair services system |
| US20040030649A1 (en) | 2002-05-06 | 2004-02-12 | Chris Nelson | System and method of application processing |
| US7593891B2 (en) | 2003-05-30 | 2009-09-22 | Experian Scorex Llc | Credit score simulation |
| US7610229B1 (en) | 2002-05-30 | 2009-10-27 | Experian Information Solutions, Inc. | System and method for interactively simulating a credit-worthiness score |
| US20040111359A1 (en) | 2002-06-04 | 2004-06-10 | Hudock John J. | Business method for credit verification and correction |
| AU2003276410A1 (en) | 2002-06-17 | 2003-12-31 | Jp Morgan Chase Bank | A system and method for portfolio valuation using an age adjusted delinquency rate |
| US20040010458A1 (en) | 2002-07-10 | 2004-01-15 | First Data Corporation | Methods and systems for organizing information from multiple sources |
| US20040030621A1 (en) | 2002-08-07 | 2004-02-12 | Cobb Keith B. | Method of reconciling credit union corporate accounts |
| US7409369B1 (en) | 2002-09-05 | 2008-08-05 | Capital One Financial Corporation | Providing a customer one or more options for increasing a line of credit |
| US7792715B1 (en) | 2002-09-21 | 2010-09-07 | Mighty Net, Incorporated | Method of on-line credit information monitoring and control |
| US20040138995A1 (en) | 2002-10-16 | 2004-07-15 | Fidelity National Financial, Inc. | Preparation of an advanced report for use in assessing credit worthiness of borrower |
| US7451095B1 (en) | 2002-10-30 | 2008-11-11 | Freddie Mac | Systems and methods for income scoring |
| US20040186807A1 (en) | 2003-03-21 | 2004-09-23 | Nathans Michael G. | Credit data collection method and apparatus |
| US20040111292A1 (en) | 2002-12-06 | 2004-06-10 | Hutchins Patton A. | Healthcare credit evaluation method |
| US20040158521A1 (en) | 2003-02-06 | 2004-08-12 | First Data Corporation | Credit enhancement systems and methods |
| CA2515957C (en) | 2003-02-13 | 2016-07-12 | Truelink, Inc. | Methods, apparatuses and systems facilitating seamless, virtual integration of online membership models and services |
| US6962336B2 (en) | 2003-02-25 | 2005-11-08 | Mechel Glass | Credit card debt management board game |
| US7451113B1 (en) | 2003-03-21 | 2008-11-11 | Mighty Net, Inc. | Card management system and method |
| EP1676189A4 (en) | 2003-08-27 | 2008-01-02 | Equifax Inc | APPLICATION PROCESSING AND DECISION-MAKING SYSTEMS AND PROCESSES |
| US20050283415A1 (en) | 2004-06-22 | 2005-12-22 | Chicago Mercantile Exchange | System and method for displaying market data including last trade data |
| GB2417345A (en) | 2004-08-13 | 2006-02-22 | Ebs Group Ltd | Automated trading system |
| US7904306B2 (en) | 2004-09-01 | 2011-03-08 | Search America, Inc. | Method and apparatus for assessing credit for healthcare patients |
| US20060080251A1 (en) | 2004-09-22 | 2006-04-13 | Fried Steven M | Systems and methods for offering credit line products |
| US7814005B2 (en) | 2004-10-19 | 2010-10-12 | Apollo Enterprise Solutions, Inc. | Dynamic credit score alteration |
| US20070244732A1 (en) | 2004-10-29 | 2007-10-18 | American Express Travel Related Services Co., Inc., A New York Corporation | Using commercial share of wallet to manage vendors |
| US20070016501A1 (en) | 2004-10-29 | 2007-01-18 | American Express Travel Related Services Co., Inc., A New York Corporation | Using commercial share of wallet to rate business prospects |
| US7840484B2 (en) | 2004-10-29 | 2010-11-23 | American Express Travel Related Services Company, Inc. | Credit score and scorecard development |
| US20070016500A1 (en) | 2004-10-29 | 2007-01-18 | American Express Travel Related Services Co., Inc. A New York Corporation | Using commercial share of wallet to determine insurance risk |
| US7912770B2 (en) | 2004-10-29 | 2011-03-22 | American Express Travel Related Services Company, Inc. | Method and apparatus for consumer interaction based on spend capacity |
| US8204774B2 (en) | 2004-10-29 | 2012-06-19 | American Express Travel Related Services Company, Inc. | Estimating the spend capacity of consumer households |
| US7814004B2 (en) | 2004-10-29 | 2010-10-12 | American Express Travel Related Services Company, Inc. | Method and apparatus for development and use of a credit score based on spend capacity |
| US7792732B2 (en) | 2004-10-29 | 2010-09-07 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet to rate investments |
| US7788147B2 (en) | 2004-10-29 | 2010-08-31 | American Express Travel Related Services Company, Inc. | Method and apparatus for estimating the spend capacity of consumers |
| US8131614B2 (en) | 2004-10-29 | 2012-03-06 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet to compile marketing company lists |
| US7822665B2 (en) | 2004-10-29 | 2010-10-26 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet in private equity investments |
| US7877304B1 (en) | 2004-12-16 | 2011-01-25 | Coulter David B | System and method for managing consumer information |
| US20060178971A1 (en) | 2004-12-20 | 2006-08-10 | Owen John S | Personal credit management and monitoring system and method |
| US20060173772A1 (en) | 2005-02-02 | 2006-08-03 | Hayes John B | Systems and methods for automated processing, handling, and facilitating a trade credit transaction |
| US20060178983A1 (en) | 2005-02-07 | 2006-08-10 | Robert Nice | Mortgage broker system allowing broker to match mortgagor with multiple lenders and method therefor |
| US20060233332A1 (en) | 2005-03-24 | 2006-10-19 | Toms Alvin D | Credit worthiness rating method |
| US20080222015A1 (en) | 2005-10-24 | 2008-09-11 | Megdal Myles G | Method and apparatus for development and use of a credit score based on spend capacity |
| US20080222027A1 (en) | 2005-10-24 | 2008-09-11 | Megdal Myles G | Credit score and scorecard development |
| US7711636B2 (en) | 2006-03-10 | 2010-05-04 | Experian Information Solutions, Inc. | Systems and methods for analyzing data |
| US7801812B2 (en) | 2006-03-10 | 2010-09-21 | Vantagescore Solutions, Llc | Methods and systems for characteristic leveling |
| US8239250B2 (en) | 2006-12-01 | 2012-08-07 | American Express Travel Related Services Company, Inc. | Industry size of wallet |
| US7953627B2 (en) | 2006-12-12 | 2011-05-31 | American Express Travel Related Services Company, Inc. | Identifying industry segments with highest potential for new customers or new spending for current customers |
| US20100009320A1 (en) | 2008-07-11 | 2010-01-14 | Christopher Allen Wilkelis | Credit management course |
-
2005
- 2005-06-10 US US11/150,480 patent/US7593891B2/en not_active Expired - Lifetime
- 2005-11-18 MX MX2007015510A patent/MX2007015510A/es not_active Application Discontinuation
- 2005-11-18 BR BRPI0520256-6A patent/BRPI0520256A2/pt not_active IP Right Cessation
- 2005-11-18 WO PCT/US2005/041814 patent/WO2006135451A2/en not_active Ceased
- 2005-11-18 CA CA002611595A patent/CA2611595A1/en not_active Abandoned
-
2009
- 2009-09-21 US US12/563,779 patent/US7925582B1/en not_active Expired - Lifetime
-
2011
- 2011-03-04 US US13/041,274 patent/US8321334B1/en not_active Expired - Fee Related
-
2012
- 2012-09-14 US US13/620,527 patent/US8589286B1/en not_active Expired - Fee Related
Also Published As
| Publication number | Publication date |
|---|---|
| US20060004654A1 (en) | 2006-01-05 |
| WO2006135451A2 (en) | 2006-12-21 |
| US7593891B2 (en) | 2009-09-22 |
| US8589286B1 (en) | 2013-11-19 |
| MX2007015510A (es) | 2008-04-22 |
| US7925582B1 (en) | 2011-04-12 |
| WO2006135451A3 (en) | 2007-12-13 |
| US8321334B1 (en) | 2012-11-27 |
| CA2611595A1 (en) | 2006-12-21 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Stanojević et al. | Results of the WMT15 metrics shared task | |
| MX2007015510A (es) | Simulacion de puntuacion de credito. | |
| Dell’Orletta et al. | Assessing the readability of sentences: which corpora and features? | |
| Maharjan et al. | A Simple Approach to Author Profiling in MapReduce. | |
| Harbinson et al. | Automated scoring of originality using semantic representations | |
| Winkel et al. | Narrating illegal logging across the globe: between green protectionism and sustainable resource use | |
| Aizemberg et al. | Measuring the NBA teams’ cross-efficiency by DEA game | |
| McCreadie et al. | University of Glasgow at TREC 2014: Experiments with Terrier in Contextual Suggestion, Temporal Summarisation and Web Tracks. | |
| Eke | Relationship between capital structure and firm’s performance: Theoretical review | |
| Latulipe | The value of research in creativity and the arts | |
| Agustina et al. | Study on science and biology practicum in middle schools during the COVID-19 pandemic | |
| BR112023017747A2 (pt) | Métodos e sistemas para fornecer ativos de mídia personalizados compostos dinâmicamente | |
| Chen | Doctrinal Destruction and Chevron's Extinction Debt | |
| Riyadi et al. | The Effect of Reciprocal and Inclusion Teaching Styles on Volleyball Underhand Pass Learning Outcomes | |
| Ilahi et al. | Nike Training Club Applications To Improve Football Learning In The Independent Era Of Learning On Students Of Penjas FKIP UNIB | |
| Saias | In search of reputation assessment: Experiences with polarity classification in replab 2013 | |
| Macis et al. | Which achievements are associated with a better offensive performance in NBA? A survival analysis study | |
| Rowe et al. | Serious games go informal: A museum-centric perspective on intelligent game-based learning | |
| Mtelevu et al. | The contribution of vulnerable groups’ sub-projects under Tanzania social action fund to income poverty reduction in Bahi district, Tanzania | |
| Zainatuddar | Teaching speaking in english by using the picture series technique | |
| Bennett | TURNING STONES INTO BREAD: DEVELOPING SYNERGISTIC SCIENCE/RELIGION APPROACHES TO THE WORLD FOOD CRISIS: with Pat Bennett,“Turning Stones into Bread: Developing Synergistic Science/Religion Approaches to the World Food Crisis”; Varadaraja V. Raman,“Food: Its Many Aspects in Science, Religion, and Culture”; A. Whitney Sanford,“Why We Need Religion to Solve the World Food Crisis”; and Steven M. Finn,“Valuing Our Food: Minimizing Waste and Optimizing Resources.” | |
| Coskun et al. | Incidence of thrombocytopenia in patients hospitalized in the intensive care unit and factors affecting the development of thrombocytopenia | |
| Busby | Hubris and international development: A review of Nina Munk’s The Idealist | |
| Escalante et al. | Academic competitions | |
| Smith | Manchester City Still Standing After Taking Atletico's Best Shots. |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| B08F | Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette] |
Free format text: REFERENTE AS 5A E 6A ANUIDADES. |
|
| B08K | Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette] |
Free format text: NAO APRESENTADA A GUIA DE CUMPRIMENTO DE EXIGENCIA. REFERENTE AS 5A E 6A ANUIDADES. |