Systems and methods for income scoring

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or...

Reexamination Certificate

Rate now

  [ 0.00 ] – not rated yet Voters 0   Comments 0

Details

C705S038000

Reexamination Certificate

active

07451095

ABSTRACT:
Systems and methods consistent with the present invention provide a score indicating that a stated income is likely to be faulty. In one embodiment, a method includes receiving information representative of the stated income and determining the score based on the received information and a model, such that the score indicates a likelihood that the stated income is faulty.

REFERENCES:
patent: 5611052 (1997-03-01), Dykstra et al.
patent: 5857174 (1999-01-01), Dugan
patent: 5930776 (1999-07-01), Dykstra et al.
patent: 5940812 (1999-08-01), Tengel et al.
patent: 6014645 (2000-01-01), Cunningham
patent: 6088686 (2000-07-01), Walker et al.
patent: 6112190 (2000-08-01), Fletcher et al.
patent: 6253186 (2001-06-01), Pendleton, Jr.
patent: 6324524 (2001-11-01), Lent et al.
patent: 6330546 (2001-12-01), Gopinathan et al.
patent: 6401070 (2002-06-01), McManus et al.
patent: 6516056 (2003-02-01), Justice et al.
patent: 6567791 (2003-05-01), Lent et al.
patent: 7107241 (2006-09-01), Pinto
patent: 7289965 (2007-10-01), Bradley et al.
patent: 2002/0007341 (2002-01-01), Lent et al.
patent: 2002/0040339 (2002-04-01), Dhar et al.
patent: 2002/0099649 (2002-07-01), Lee et al.
patent: 2002/0194119 (2002-12-01), Wright et al.
patent: 2003/0093366 (2003-05-01), Halper et al.
patent: 2003/0120591 (2003-06-01), Birkhead et al.
patent: 2007/0136187 (2007-06-01), Libman
patent: 59216265 (1984-12-01), None
patent: 04052198 (1992-02-01), None
James T. McClave and P. George Benson, A First Course in Business Statistics (5th ed. 1992). □□(MacMillan Publishing covering pp. 521 through 593).
Staal Vinterbo and Lucila Ohno-Machado, A Genetic Algorithm to Select Variables in Logistics Regression: Example in the Domain of Myocardial Infarction, (1999).
Louisiana State University, Department of Experimental Statistics Courses and Descriptions (visited Nov. 9, 2006), http://www.stat.lsu.edu>.
Netsavvy Communications, E-commerce News: Cyber Cast to offer “eFalcon” fraud detection service (visited Nov. 9, 2006), http://sellitoneweb.com/ezine
ews0300.shtml>.
DSStar, Paymentech Deploys eFalcon for Fraud Reduction Service (visited Nov. 9, 2006), <http://www.taborcommunications.com/dsstar/00/1024/102335.html>.
Ted Cornwell, Ocwen Puts Vendor Management On New Site, Oct. 16, 2000, National Mortgage News, vol. 25, Issue 4, p. 8.
Henry Savage, Lenders Ask For Tax Form, Jul. 7, 2000, Washington Times, p. F. 10.
Lenders Tap IRS To Check Income Info, Jan. 12, 1997, The Sacramento Bee, p. 13.
USDA's Subsidized-Meal-Program Certicication to Undergo Review, Oct. 21, 2002, Nations's Restaurant News, vol. 36, Iss 42, p. 20.
Lewis, Edward M., “An Introduction to Credit Scoring,” Library of Congress Catalog No. 90-92258, pp. 1-169, 1994, San Rafael, CA.
http://www.myfico.com/myfico/CreditCentral/ScoringWorks.asp, pp. 1-2, Oct. 28, 2002.
http://www.myfico.com, p. 1, Oct. 28, 2002.
Dum, Mary, “Whay CASA for Fitch?”, American Banker-Bond Buyer, a division of Thomson Publishing Corporation, vol. 9, No. 1; p. 36, Jan. 2002/Feb. 2002.
U.S. Appl. No. 10/095,006, entitled “Systems and Methods for Generating a Model for Home Value Scoring,” filed Mar. 12, 2002.
U.S. Appl. No. 10/094,806, entitled “Systems and Methods for Home Value Scoring,” filed Mar. 12, 2002.
U.S. Appl. No. 10/283,338, entitled “Systems and Methods for Generating a Model for Income Scoring,” filed Oct. 30, 2002.
T. Cornwell, “Ocwen Puts Vendor Management on New 'Net Site,” National Mortgage News, Oct. 16, 2000, p. 8, vol. 25, Iss. 4, New York.
“Logistic Regression,” listserv.uga.edu, Enterprise Information Technology Services, The University of Georgia, listhelp@uga.edu.
Software Prototyping, http:/
as.cl.uh.edu/helm/swen5231/PROTO—HTML/index.htm, Sep. 22, 1998, pp. 1-32.
Patricia A. Murphy, “Fighting Internet Card Fraud,” Jul. 2000.
Fairlsaac, “Falcon Fraud Management Software—Customer Credit Card Fraud Protection,” http://www.fairisaac.com/Fairisaac/Solutions/Product=Index/Falcon=Fraud=Manager.
Phillips Business Information Inc., “Security Pacific using ACAPs to Evaluate Credit and Speed up Loan Processing,” Financial Services Reports, Apr. 17, 1991.
PR Newswire, “M&I Data Services and American Management Systems Announce Strategic Alliance to Provide Comprehensive Consumer Lending Solutions to Enhance Customer Relationships,” Oct. 4, 1999.

LandOfFree

Say what you really think

Search LandOfFree.com for the USA inventors and patents. Rate them and share your experience with other people.

Rating

Systems and methods for income scoring does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Systems and methods for income scoring, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Systems and methods for income scoring will most certainly appreciate the feedback.

Rate now

     

Profile ID: LFUS-PAI-O-4025946

  Search
All data on this website is collected from public sources. Our data reflects the most accurate information available at the time of publication.