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    Detecting credit misuse
    32.
    发明授权
    Detecting credit misuse 有权
    检测信用滥用

    公开(公告)号：US08504469B2

    公开(公告)日：2013-08-06

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/00 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/00 ,  G06Q40/12

    摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.

    摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

    DETECTING CREDIT MISUSE
    33.
    发明申请
    DETECTING CREDIT MISUSE 有权
    检测信用错误

    公开(公告)号：US20110202436A1

    公开(公告)日：2011-08-18

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    IPC分类号： G06Q10/00 ,  G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/00 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/00 ,  G06Q40/12

    摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.

    摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

    COMPREHENSIVE EXPOSURE ANALYSIS SYSTEM AND METHOD
    39.
    发明申请
    COMPREHENSIVE EXPOSURE ANALYSIS SYSTEM AND METHOD 审中-公开
    综合曝光分析系统及方法

    公开(公告)号：US20120029956A1

    公开(公告)日：2012-02-02

    申请号：US12847394

    申请日：2010-07-30

    申请人： Debashis Ghosh ,  Sudeshna Banerjee ,  David Joa ,  Hemant Kagade ,  Ivan Allen Marcotte ,  Randall John Miller ,  John Arthur Scowcroft

    发明人： Debashis Ghosh ,  Sudeshna Banerjee ,  David Joa ,  Hemant Kagade ,  Ivan Allen Marcotte ,  Randall John Miller ,  John Arthur Scowcroft

    IPC分类号： G06Q10/00 ,  G06Q40/00

    CPC分类号： G06Q30/02 ,  G06Q10/063 ,  G06Q40/00

    摘要： Embodiments of the invention allow an institution to obtain a more comprehensive view of its exposure to one or more entities or groups of entities and, in some cases, to use this information to identify opportunities for and/or risks to the institution. For example, embodiments of the invention involve systems and methods for: (1) selecting an entity; (2) determining exposure to the entity in isolation; (3) determining one or more related entities based on transaction data associated with the selected entity; (4) determining exposure to the one or more related entities; and (5) combining the exposure data for the selected entity and the related entities to obtain comprehensive exposure metrics for the selected entity. Some embodiments of the invention further involve aggregating the comprehensive entity exposure metrics for several entities based on entity characteristics to create other exposure metrics, and then displaying exposure metrics to a user on a display based on user-selected entities or entity characteristics.

    摘要翻译： 本发明的实施例允许机构获得对其暴露于一个或多个实体或实体组的更全面的观点，并且在某些情况下使用该信息来识别机构的机会和/或风险。 例如，本发明的实施例涉及用于：（1）选择一个实体的系统和方法; （2）单独确定实体的敞口; （3）基于与所选实体相关联的交易数据确定一个或多个相关实体; （4）确定对一个或多个相关实体的风险敞口; 和（5）组合所选实体的曝光数据和相关实体以获得所选实体的综合曝光度量。 本发明的一些实施例还涉及基于实体特征聚合多个实体的综合实体曝光度量以创建其他曝光度量，然后基于用户选择的实体或实体特征在显示器上向用户显示曝光度量。