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. 02, 2016
Filed:
Dec. 18, 2012
Applicant:
Experian Information Solutions, Inc., Costa Mesa, CA (US);
Inventors:
Christopher J. Celka, Suwanee, GA (US);
Cristian R. Rojas, San Diego, CA (US);
Assignee:
Experian Information Solutions, Inc., Costa Mesa, CA (US);
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 40/02 (2012.01); G06Q 40/00 (2012.01); G06Q 30/06 (2012.01); G06Q 20/10 (2012.01);
U.S. Cl.
CPC ...
G06Q 40/025 (2013.01); G06Q 40/00 (2013.01); G06Q 20/10 (2013.01); G06Q 30/06 (2013.01);
Abstract
Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but over the life of the account, never make a payment) can be useful to various commercial entities, such as those issuing mortgages, home equity lines of credit, consumer or business lines of credit, automobile loans, credit card accounts, or those entities providing services, such as utility services, phone services, and the like.