MX2013008149A - Sistemas y metodos para utilizar huella social en linea para afectar el rendimiento de prestamo y la calificacion crediticia. - Google Patents
Sistemas y metodos para utilizar huella social en linea para afectar el rendimiento de prestamo y la calificacion crediticia.Info
- Publication number
- MX2013008149A MX2013008149A MX2013008149A MX2013008149A MX2013008149A MX 2013008149 A MX2013008149 A MX 2013008149A MX 2013008149 A MX2013008149 A MX 2013008149A MX 2013008149 A MX2013008149 A MX 2013008149A MX 2013008149 A MX2013008149 A MX 2013008149A
- Authority
- MX
- Mexico
- Prior art keywords
- online social
- borrower
- social footprint
- rating
- footprint
- Prior art date
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
-
- G06Q10/40—
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
La invención proporciona aparatos, medios de computadora y métodos para analizar datos recopilados a partir de la huella social en línea y determinar una calificación crediticia para facilitar el acceso a los servicios financieros; se construye un modelo crediticio para determinar una calificación crediticia mismo que está basado en los datos personales disponibles y los datos recopilados a partir de la huella social en línea y que indica la tendencia de un prestatario a pagar un monto debido; se determina una calificación crediticia a partir de una expresión de calificación que está asociada con un agrupamiento de calificación y que típicamente incluye un subconjunto de datos disponibles recopilados a partir de la huella social en línea; la capacidad crediticia de un individuo también se puede ver afectada por medios tales como endosos o comportamiento negativo de los individuos en una red social del prestatario; aparatos, sistemas, programas para computadoras y mecanismos de comunicaciones correspondientes también son proporcionados para tener acceso a servicios financieros con base en al menos un criterio de solicitud del prestatario, la optimización de la reputación en la huella social en línea del prestatario y la ejecución de una transacción de préstamo.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US201161432523P | 2011-01-13 | 2011-01-13 | |
| PCT/US2012/021106 WO2012097171A2 (en) | 2011-01-13 | 2012-01-12 | Systems and methods for using online social footprint for affecting lending performance and credit scoring |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| MX2013008149A true MX2013008149A (es) | 2014-05-13 |
Family
ID=46507671
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| MX2013008149A MX2013008149A (es) | 2011-01-13 | 2012-01-12 | Sistemas y metodos para utilizar huella social en linea para afectar el rendimiento de prestamo y la calificacion crediticia. |
Country Status (7)
| Country | Link |
|---|---|
| EP (1) | EP2663957A4 (es) |
| BR (1) | BR112013017973A2 (es) |
| CO (1) | CO6791573A2 (es) |
| MX (1) | MX2013008149A (es) |
| PE (1) | PE20140400A1 (es) |
| PH (1) | PH12013501488A1 (es) |
| WO (1) | WO2012097171A2 (es) |
Families Citing this family (26)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| US9406085B1 (en) | 2013-03-14 | 2016-08-02 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
| US10102570B1 (en) | 2013-03-14 | 2018-10-16 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
| 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 |
| US10997595B1 (en) | 2016-12-28 | 2021-05-04 | Wells Fargo Bank, N.A. | Systems and methods for preferring payments using a social background check |
| EP3692451A4 (en) * | 2017-10-04 | 2021-07-14 | Crowdbureau | SYSTEM AND PROCESS FOR THE ANALYSIS OF PARTICIPATORY FINANCING PLATFORMS |
| US20200074100A1 (en) | 2018-09-05 | 2020-03-05 | Consumerinfo.Com, Inc. | Estimating changes to user risk indicators based on modeling of similarly categorized users |
| 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 (zh) * | 2019-11-15 | 2020-03-10 | 安徽海汇金融投资集团有限公司 | 一种中小微企业的融资方法及系统 |
| CN113744049B (zh) * | 2021-09-18 | 2024-05-24 | 中国银行股份有限公司 | 个人征信评分获取方法、装置、服务器及介质 |
| CN114331336B (zh) * | 2021-12-21 | 2022-10-21 | 二十六度数字科技(广州)有限公司 | 一种提高审批效率及自动化程度的系统设计方法 |
| CN121255794A (zh) * | 2025-12-04 | 2026-01-02 | 钱塘征信有限公司 | 一种数据质量检测方法、装置、介质及电子设备 |
Family Cites Families (6)
| 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 |
| US8302164B2 (en) * | 2004-07-22 | 2012-10-30 | Facebook, 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 |
| US8744946B2 (en) * | 2008-06-09 | 2014-06-03 | Quest Growth Partners, Llc | 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 |
| CA2685758A1 (en) * | 2009-11-10 | 2011-05-10 | Neobanx Technologies Inc. | System and method for assessing credit risk in an on-line lending environment |
-
2012
- 2012-01-12 WO PCT/US2012/021106 patent/WO2012097171A2/en not_active Ceased
- 2012-01-12 PH PH1/2013/501488A patent/PH12013501488A1/en unknown
- 2012-01-12 EP EP12734037.0A patent/EP2663957A4/en not_active Withdrawn
- 2012-01-12 PE PE2013001549A patent/PE20140400A1/es not_active Application Discontinuation
- 2012-01-12 MX MX2013008149A patent/MX2013008149A/es not_active Application Discontinuation
- 2012-01-12 BR BR112013017973-2A patent/BR112013017973A2/pt not_active Application Discontinuation
-
2013
- 2013-08-09 CO CO13189951A patent/CO6791573A2/es unknown
Also Published As
| Publication number | Publication date |
|---|---|
| EP2663957A4 (en) | 2016-06-29 |
| WO2012097171A2 (en) | 2012-07-19 |
| EP2663957A2 (en) | 2013-11-20 |
| PH12013501488A1 (en) | 2013-09-09 |
| BR112013017973A2 (pt) | 2020-10-27 |
| CO6791573A2 (es) | 2013-11-14 |
| WO2012097171A3 (en) | 2013-07-11 |
| PE20140400A1 (es) | 2014-04-18 |
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| FA | Abandonment or withdrawal |