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:
Feb. 26, 2013
Filed:
Apr. 22, 2008
Shanji Xiong, San Diego, CA (US);
Jianjun Xie, San Diego, CA (US);
Yinghua Lin, Los Alamos, NM (US);
Guowei Wu, Charlotte, NC (US);
Quan LU, San Jose, CA (US);
Stephen Coggeshall, Los Alamos, NM (US);
Shanji Xiong, San Diego, CA (US);
Jianjun Xie, San Diego, CA (US);
Yinghua Lin, Los Alamos, NM (US);
Guowei Wu, Charlotte, NC (US);
Quan Lu, San Jose, CA (US);
Stephen Coggeshall, Los Alamos, NM (US);
ID Analytics, Inc., San Diego, CA (US);
Abstract
A technique is provided for determining credit ratings without the need for traditional credit bureau data. In at least one embodiment of the invention, a method comprises the steps of providing a network of linked identity records, each identity record comprising identity related information; receiving an identity record comprising identity related information of the entity; linking the received identity record with at least one of the identity records in the network of linked identity records, quantifying a plurality of linked identity records related to the entity; and generating a credit rating for the entity based on the quantified identity records. Application of the invention is particularly useful for individuals with less than a few years credit behavior recorded on a credit bureau, such as immigrants or young people with limited traditional historical information ('thin file') and individuals with no traditional historical information ('no hit').