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GB2467665A - Methods and systems of predicting mortgage payment risk - Google Patents

Methods and systems of predicting mortgage payment risk Download PDF

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Publication number
GB2467665A
GB2467665A GB1006199A GB201006199A GB2467665A GB 2467665 A GB2467665 A GB 2467665A GB 1006199 A GB1006199 A GB 1006199A GB 201006199 A GB201006199 A GB 201006199A GB 2467665 A GB2467665 A GB 2467665A
Authority
GB
United Kingdom
Prior art keywords
mortgage
predicting
systems
methods
risk
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
GB1006199A
Other versions
GB201006199D0 (en
Inventor
Yuansong Liao
Rui Yan
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Basepoint Analytics LLC
Original Assignee
Basepoint Analytics LLC
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 Basepoint Analytics LLC filed Critical Basepoint Analytics LLC
Publication of GB201006199D0 publication Critical patent/GB201006199D0/en
Publication of GB2467665A publication Critical patent/GB2467665A/en
Withdrawn legal-status Critical Current

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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Finance (AREA)
  • Human Resources & Organizations (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Technology Law (AREA)
  • Data Mining & Analysis (AREA)
  • Development Economics (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method for detecting a risk of payment default comprises receiving mortgage data associated with a mortgage application, the mortgage application associated with an applicant, determining a first score for the mortgage data based at least partly on one or more models that are based on data from a plurality of historical mortgage transactions and based on historical credit information related to the applicant, and generating data indicative of a risk of payment default based at least partly on the first score.
GB1006199A 2007-10-05 2008-10-06 Methods and systems of predicting mortgage payment risk Withdrawn GB2467665A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US97803307P 2007-10-05 2007-10-05
PCT/US2008/078987 WO2009048843A1 (en) 2007-10-05 2008-10-06 Methods and systems of predicting mortgage payment risk

Publications (2)

Publication Number Publication Date
GB201006199D0 GB201006199D0 (en) 2010-06-02
GB2467665A true GB2467665A (en) 2010-08-11

Family

ID=40549513

Family Applications (1)

Application Number Title Priority Date Filing Date
GB1006199A Withdrawn GB2467665A (en) 2007-10-05 2008-10-06 Methods and systems of predicting mortgage payment risk

Country Status (3)

Country Link
AU (1) AU2008311048A1 (en)
GB (1) GB2467665A (en)
WO (1) WO2009048843A1 (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10628834B1 (en) * 2015-06-16 2020-04-21 Palantir Technologies Inc. Fraud lead detection system for efficiently processing database-stored data and automatically generating natural language explanatory information of system results for display in interactive user interfaces
US12125039B2 (en) 2016-03-25 2024-10-22 State Farm Mutual Automobile Insurance Company Reducing false positives using customer data and machine learning
US11170375B1 (en) 2016-03-25 2021-11-09 State Farm Mutual Automobile Insurance Company Automated fraud classification using machine learning
NL2020729B1 (en) * 2018-04-06 2019-10-14 Abn Amro Bank N V Systems and methods for detecting fraudulent transactions
US10846702B1 (en) * 2020-02-05 2020-11-24 Capital One Services, Llc System and method for modifying payment processing times upon suspicion of fraud
EP4281924A4 (en) * 2021-02-19 2024-07-03 Highline Technologies Inc. PAYMENT NETWORK AND METHOD FOR PAYING RECURRING INVOICES

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6185543B1 (en) * 1998-05-15 2001-02-06 Marketswitch Corp. Method and apparatus for determining loan prepayment scores
US20040010443A1 (en) * 2002-05-03 2004-01-15 May Andrew W. Method and financial product for estimating geographic mortgage risk
US20040138993A1 (en) * 1995-09-12 2004-07-15 Defrancesco James Computer implemented automated credit application analysis and decision routing system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040138993A1 (en) * 1995-09-12 2004-07-15 Defrancesco James Computer implemented automated credit application analysis and decision routing system
US6185543B1 (en) * 1998-05-15 2001-02-06 Marketswitch Corp. Method and apparatus for determining loan prepayment scores
US20040010443A1 (en) * 2002-05-03 2004-01-15 May Andrew W. Method and financial product for estimating geographic mortgage risk

Also Published As

Publication number Publication date
AU2008311048A1 (en) 2009-04-16
WO2009048843A1 (en) 2009-04-16
GB201006199D0 (en) 2010-06-02

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Legal Events

Date Code Title Description
WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)