Fair Isaac Corporation

Comscore, Inc.

Gary J Sullivan

Jim Pitkow

Marc Brown

Raman Chelliah

Jeffrey Allen Feinstein

Christopher Allan Ralph

Helen Geraldine E Rosario

Michael S Sossi

Jennifer Elizabeth Jack

John Duchnowski

Rating a network interaction is disclosed. A rating system includes an interface for receiving, a rating determiner and an interface for providing. The interface for receiving receives one or more data regarding a new incoming network interaction originated from a third party device over a network. The rating determiner determines a rating of the network interaction based at least in part on the one or more data regarding the network interaction. The interface for providing provides the rating of the network interaction.

Determination and application of click quality

Predicting impact of future actions on subsequent creditworthiness involves developing a prediction model that predicts a statistical interaction of performance expectation with likely post-scoring behavior. Including sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim consumer behavior post-scoring date. Predictive interaction variables are calculated on the predictive data using simulated consumer profiles before and after assuming a sizeable simulated balance to infer the consumer's tolerance for incremental future debt. Using an adjustor approach in predicting capacity allows isolation of the confounding effect of risk from the capacity determination. A resulting capacity index can be used to rank order originations and line increases according to capacity in consumer, bankcard, automobile and mortgage lending.

Method and apparatus system for modeling consumer capacity for future incremental debt in credit scoring

Data spiders, provide an automated system that can take a file or file store of historic transaction data and create the best set of variables from that data, where 'best' means highly predictive. Genetic algorithms are used to parameterized transactions to form groups, which are subjected na&#xef;ve Bayes score ranking. Variable groups are generated and ranked accord to the score. Data spiders span the full information available, are uncorrelated with previous methods, and are easily interpretable.

Data spiders

Growing community of inventors

San Francisco, CA, United States of America

Gary J Sullivan