The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 19, 2023
Filed:
Feb. 27, 2020
Applicant:
Blueowl, Llc, San Francisco, CA (US);
Inventor:
Michael Sungjun Kim, Larkspur, CA (US);
Assignee:
BLUEOWL, LLC, San Francisco, CA (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2023.01); G06Q 40/03 (2023.01); G07C 5/00 (2006.01); G06Q 30/0201 (2023.01); G01C 21/10 (2006.01); G06N 5/04 (2023.01); G06N 20/00 (2019.01); G06N 5/02 (2023.01);
U.S. Cl.
CPC ...
G06Q 40/03 (2023.01); G01C 21/10 (2013.01); G06N 5/02 (2013.01); G06N 5/04 (2013.01); G06N 20/00 (2019.01); G06Q 30/0201 (2013.01); G07C 5/008 (2013.01);
Abstract
A user's credit score is determined based at least in part upon collected telematics data and user data associated with the user. A credit score prediction model is created using training datasets of historical data including demographics data, driver profile data, and established credit scores. The credit score prediction model is then used to predict credit scores for users without formal credit scores. A user's credit score is predicted based at least in part upon a driver profile built using telematics data, among other factors.