WO2012097171A3 - Systems and methods for using online social footprint for affecting lending performance and credit scoring - Google Patents

Systems and methods for using online social footprint for affecting lending performance and credit scoring Download PDF

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Publication number
WO2012097171A3
WO2012097171A3 PCT/US2012/021106 US2012021106W WO2012097171A3 WO 2012097171 A3 WO2012097171 A3 WO 2012097171A3 US 2012021106 W US2012021106 W US 2012021106W WO 2012097171 A3 WO2012097171 A3 WO 2012097171A3
Authority
WO
WIPO (PCT)
Prior art keywords
online social
borrower
systems
methods
social footprint
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/US2012/021106
Other languages
French (fr)
Other versions
WO2012097171A2 (en
Inventor
Jeffrey Stewart
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to MX2013008149A priority Critical patent/MX2013008149A/en
Priority to BR112013017973-2A priority patent/BR112013017973A2/en
Priority to PH1/2013/501488A priority patent/PH12013501488A1/en
Priority to EP12734037.0A priority patent/EP2663957A4/en
Publication of WO2012097171A2 publication Critical patent/WO2012097171A2/en
Publication of WO2012097171A3 publication Critical patent/WO2012097171A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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
    • G06Q40/02—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
    • G06Q10/00—Administration; Management
    • G06Q10/40—Business processes related to social networking or social networking services
    • G06Q10/48—Business processes related to social networking or social networking services using social graphs

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Technology Law (AREA)
  • Development Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The invention provides apparatuses, computer media, and methods for analyzing data gathered from the online social footprint and determining a credit score to facilitate access to financial services. A credit model is constructed to determine a credit score that is based on available personal data and data gathered from the online social footprint and is indicative of a borrower's propensity to pay an owed amount. The credit worthiness of an individual can also be affected by means such as endorsements or negative behavior of individuals in a borrower's social network. Corresponding apparatus, systems, programs for computers, and communications mechanisms are also provided to gain access to financial services based upon at least one borrower's request criterion, optimization of reputation in the borrower's online social footprint and performing a lending transaction.
PCT/US2012/021106 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring Ceased WO2012097171A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
MX2013008149A MX2013008149A (en) 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring.
BR112013017973-2A BR112013017973A2 (en) 2011-01-13 2012-01-12 method, systems, and computer-readable medium for using the virtual social dimension to simulate loan performance and credit scores
PH1/2013/501488A PH12013501488A1 (en) 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring
EP12734037.0A EP2663957A4 (en) 2011-01-13 2012-01-12 SYSTEMS AND METHODS FOR USING AN ONLINE SOCIAL FOOTPRINT TO AFFECT LOAN PERFORMANCE AND A CREDIT SCORE

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201161432523P 2011-01-13 2011-01-13
US61/432,523 2011-01-13

Publications (2)

Publication Number Publication Date
WO2012097171A2 WO2012097171A2 (en) 2012-07-19
WO2012097171A3 true WO2012097171A3 (en) 2013-07-11

Family

ID=46507671

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2012/021106 Ceased WO2012097171A2 (en) 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring

Country Status (7)

Country Link
EP (1) EP2663957A4 (en)
BR (1) BR112013017973A2 (en)
CO (1) CO6791573A2 (en)
MX (1) MX2013008149A (en)
PE (1) PE20140400A1 (en)
PH (1) PH12013501488A1 (en)
WO (1) WO2012097171A2 (en)

Cited By (1)

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US10997595B1 (en) 2016-12-28 2021-05-04 Wells Fargo Bank, N.A. Systems and methods for preferring payments using a social background check

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US9990674B1 (en) 2007-12-14 2018-06-05 Consumerinfo.Com, Inc. Card registry systems and methods
US8312033B1 (en) 2008-06-26 2012-11-13 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US8650070B2 (en) 2011-08-02 2014-02-11 Google Inc. System and method for sharing content on third-party mobile applications
US8738516B1 (en) 2011-10-13 2014-05-27 Consumerinfo.Com, Inc. Debt services candidate locator
US8756168B1 (en) 2012-02-22 2014-06-17 Google Inc. Endorsing a product purchased offline
US8688796B1 (en) 2012-03-06 2014-04-01 Tal Lavian Rating system for determining whether to accept or reject objection raised by user in social network
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US8639619B1 (en) 2012-07-13 2014-01-28 Scvngr, Inc. Secure payment method and system
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
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
US8770478B2 (en) 2013-07-11 2014-07-08 Scvngr, Inc. Payment processing with automatic no-touch mode selection
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
US20160371695A1 (en) * 2015-06-16 2016-12-22 Guardian Consumer Services, Inc. D/B/A Pavaso, Inc. System and method for identity and character verification of parties to electronic transactions
US10740751B1 (en) 2016-12-20 2020-08-11 Wells Fargo Bank, N.A. Secure transactions in social media channels
WO2019069138A1 (en) * 2017-10-04 2019-04-11 Crowdbureau System and method for analyzing crowdfunding platforms
US10880313B2 (en) 2018-09-05 2020-12-29 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US11315179B1 (en) 2018-11-16 2022-04-26 Consumerinfo.Com, Inc. Methods and apparatuses for customized card recommendations
US11238656B1 (en) 2019-02-22 2022-02-01 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
US11941065B1 (en) 2019-09-13 2024-03-26 Experian Information Solutions, Inc. Single identifier platform for storing entity data
CN110874791A (en) * 2019-11-15 2020-03-10 安徽海汇金融投资集团有限公司 Financing method and system for small and medium-sized micro-enterprises
CN113744049B (en) * 2021-09-18 2024-05-24 中国银行股份有限公司 Personal credit score acquisition method, device, server and medium
CN114331336B (en) * 2021-12-21 2022-10-21 二十六度数字科技(广州)有限公司 System design method for improving approval efficiency and automation degree
CN120781082A (en) * 2025-07-17 2025-10-14 杭州智拓星科技有限公司 AI model decision method and device based on multi-mode data and electronic equipment
CN121255794A (en) * 2025-12-04 2026-01-02 钱塘征信有限公司 Data quality detection method and device, medium and electronic equipment

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Publication number Priority date Publication date Assignee Title
US20070179827A1 (en) * 2003-08-27 2007-08-02 Sandeep Gupta Application processing and decision systems and processes
US20080133402A1 (en) * 2006-09-05 2008-06-05 Kerry Ivan Kurian Sociofinancial systems and methods
US20090327120A1 (en) * 2008-06-27 2009-12-31 Eze Ike O Tagged Credit Profile System for Credit Applicants
US20100010935A1 (en) * 2008-06-09 2010-01-14 Thomas Shelton Systems and methods for credit worthiness scoring and loan facilitation
US20100180032A1 (en) * 2004-07-22 2010-07-15 Friendster Inc. Authorization and authentication based on an individual's social network
US20110112957A1 (en) * 2009-11-10 2011-05-12 Neobanx Technologies, Inc. System and method for assessing credit risk in an on-line lending environment

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070179827A1 (en) * 2003-08-27 2007-08-02 Sandeep Gupta Application processing and decision systems and processes
US20100180032A1 (en) * 2004-07-22 2010-07-15 Friendster Inc. Authorization and authentication based on an individual's social network
US20080133402A1 (en) * 2006-09-05 2008-06-05 Kerry Ivan Kurian Sociofinancial systems and methods
US20100010935A1 (en) * 2008-06-09 2010-01-14 Thomas Shelton Systems and methods for credit worthiness scoring and loan facilitation
US20090327120A1 (en) * 2008-06-27 2009-12-31 Eze Ike O Tagged Credit Profile System for Credit Applicants
US20110112957A1 (en) * 2009-11-10 2011-05-12 Neobanx Technologies, Inc. System and method for assessing credit risk in an on-line lending environment

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10997595B1 (en) 2016-12-28 2021-05-04 Wells Fargo Bank, N.A. Systems and methods for preferring payments using a social background check
US11494770B1 (en) 2016-12-28 2022-11-08 Wells Fargo Bank, N.A. Systems and methods for preferring payments using a social background check
US12106302B1 (en) 2016-12-28 2024-10-01 Wells Fargo Bank, N.A. Systems and methods for preferring payments using a social background check

Also Published As

Publication number Publication date
PH12013501488A1 (en) 2013-09-09
EP2663957A2 (en) 2013-11-20
CO6791573A2 (en) 2013-11-14
MX2013008149A (en) 2014-05-13
WO2012097171A2 (en) 2012-07-19
PE20140400A1 (en) 2014-04-18
BR112013017973A2 (en) 2020-10-27
EP2663957A4 (en) 2016-06-29

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