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:
Jul. 09, 2013
Filed:
Jun. 08, 2012
James Alan Christiansen, Chanhassen, MN (US);
Fang Yuan, Eden Prairie, MN (US);
Michael James Woodberry, Bozeman, MN (US);
Brent Wayne Sorenson, Prior Lake, MN (US);
Jeffrey Allen Feinstein, Roswell, GA (US);
James Alan Christiansen, Chanhassen, MN (US);
Fang Yuan, Eden Prairie, MN (US);
Michael James Woodberry, Bozeman, MN (US);
Brent Wayne Sorenson, Prior Lake, MN (US);
Jeffrey Allen Feinstein, Roswell, GA (US);
LexisNexis Risk Solutions FL Inc., Boca Raton, FL (US);
Abstract
Certain embodiments of the invention may include systems, methods, and apparatus for determining fraud risk associated with a credit application. According to an exemplary embodiment of the invention, a method is provided for receiving applicant information associated with the application; searching one or more consumer identity repositories for prior usage of the applicant information; generating a plurality of identity characteristics corresponding to the prior usage of the applicant information; assigning the application to one of a plurality of segments based at least in part on the searching; scoring the application with a predictive scoring model to determine a risk score based at least in part on the identity characteristics; determining identity fraud risk types associated with the application; and outputting the risk score and one or more indicators of the determined identity fraud risk types.