公开(公告)号：US08386377B1

公开(公告)日：2013-02-26

申请号：US12107672

申请日：2008-04-22

申请人： Shanji Xiong ,  Jianjun Xie ,  Yinghua Lin ,  Guowei Wu ,  Quan Lu ,  Stephen Coggeshall

发明人： Shanji Xiong ,  Jianjun Xie ,  Yinghua Lin ,  Guowei Wu ,  Quan Lu ,  Stephen Coggeshall

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/04 ,  G06Q20/4016 ,  G06Q40/025

摘要： A technique is provided for determining credit ratings without the need for traditional credit bureau data. In at least one embodiment of the invention, a method comprises the steps of providing a network of linked identity records, each identity record comprising identity related information; receiving an identity record comprising identity related information of the entity; linking the received identity record with at least one of the identity records in the network of linked identity records, quantifying a plurality of linked identity records related to the entity; and generating a credit rating for the entity based on the quantified identity records. Application of the invention is particularly useful for individuals with less than a few years credit behavior recorded on a credit bureau, such as immigrants or young people with limited traditional historical information (“thin file”) and individuals with no traditional historical information (“no hit”).

摘要翻译： 提供了一种用于确定信用评级的技术，而不需要传统的信用局数据。 在本发明的至少一个实施例中，一种方法包括以下步骤：提供链接的身份记录的网络，每个身份记录包括身份相关信息; 接收包含所述实体的身份相关信息的身份记录; 将所接收的身份记录与链接的身份记录的网络中的身份记录中的至少一个相关联，量化与该实体相关的多个链接的身份记录; 并根据量化的身份记录为该实体产生信用等级。 本发明的应用对于信用局记录的少于几年的信用行为的个人，例如传统历史信息有限的传统历史信息的移民或年轻人（薄文件）和没有传统历史信息的个人（无命中））特别有用。