Invention Grant
US08694420B1 System and method for outputting a credit risk report based on debit data
有权
基于借记数据输出信用风险报告的制度和方法
- Patent Title: System and method for outputting a credit risk report based on debit data
- Patent Title (中): 基于借记数据输出信用风险报告的制度和方法
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Application No.: US12819980Application Date: 2010-06-21
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Publication No.: US08694420B1Publication Date: 2014-04-08
- Inventor: Stanley D. Oliai
- Applicant: Stanley D. Oliai
- Applicant Address: US CA Coste Mesa
- Assignee: Experian Information Solutions, Inc.
- Current Assignee: Experian Information Solutions, Inc.
- Current Assignee Address: US CA Coste Mesa
- Agency: Knobbe Martens Olson & Bear LLP
- Main IPC: G06Q40/00
- IPC: G06Q40/00
Abstract:
An apparatus and method for utilizing debit data to report credit risk, the apparatus having an inquiry server, a credit database, a debit database and a scorecard database. The inquiry server generating a credit risk score and report based solely on credit data when sufficient, based on a combination of credit and data when credit data is present but insufficient, and based solely on debit data when no credit data is present.
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