WO2008147918A3 - System and method for automated detection of never-pay data sets - Google Patents

System and method for automated detection of never-pay data sets Download PDF

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Publication number
WO2008147918A3
WO2008147918A3 PCT/US2008/064594 US2008064594W WO2008147918A3 WO 2008147918 A3 WO2008147918 A3 WO 2008147918A3 US 2008064594 W US2008064594 W US 2008064594W WO 2008147918 A3 WO2008147918 A3 WO 2008147918A3
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WO
WIPO (PCT)
Prior art keywords
credit
never
those
data sets
services
Prior art date
Application number
PCT/US2008/064594
Other languages
French (fr)
Other versions
WO2008147918A2 (en
Inventor
Christopher J Celka
Cristian R Rojas
Original Assignee
Experian Information Solutions
Christopher J Celka
Cristian R Rojas
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 Experian Information Solutions, Christopher J Celka, Cristian R Rojas filed Critical Experian Information Solutions
Publication of WO2008147918A2 publication Critical patent/WO2008147918A2/en
Publication of WO2008147918A3 publication Critical patent/WO2008147918A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Abstract

Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but over the life of the account, never make a payment) can be useful to various commercial entities, such as those issuing mortgages, home equity lines of credit, consumer or business lines of credit, automobile loans, credit card accounts, or those entities providing services, such as utility services, phone services, and the like.
PCT/US2008/064594 2007-05-25 2008-05-22 System and method for automated detection of never-pay data sets WO2008147918A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US93190207P 2007-05-25 2007-05-25
US60/931,902 2007-05-25

Publications (2)

Publication Number Publication Date
WO2008147918A2 WO2008147918A2 (en) 2008-12-04
WO2008147918A3 true WO2008147918A3 (en) 2009-01-22

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/064594 WO2008147918A2 (en) 2007-05-25 2008-05-22 System and method for automated detection of never-pay data sets

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US (3) US20080294540A1 (en)
WO (1) WO2008147918A2 (en)

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