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:
Jun. 25, 2024
Filed:
Jun. 27, 2022
Capital One Services, Llc, McLean, VA (US);
Pedro Partiti De Oliveira, Dallas, TX (US);
Marrian Kitchens, Leonard, TX (US);
Papa D. Ndiaye, Kenner, LA (US);
Joseph T. Allison, Prosper, TX (US);
Collin Longmire, McKinney, TX (US);
John Runge, Plano, TX (US);
Dong Ji, Plano, TX (US);
Abhishek Tewari, Allahabad, IN;
Bing Liu, Frisco, TX (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
Systems, methods, and apparatuses for automatically detecting the risk of dealer default are described. A machine learning model may be trained using a gradient boosting technique on a dataset that includes historical lien information, historical dealer information, and historical vehicle default information. Lien information and financing information for vehicles may be received and correlated. Furthermore, a machine learning model may generate aggregate risk scores for dealers. Furthermore, determination of an aggregate risk score that exceeds a threshold risk score may cause the generation of a notification.
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile