Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2007-10-09
2007-10-09
Fischer, Andrew J. (Department: 3692)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000
Reexamination Certificate
active
09919074
ABSTRACT:
An exemplary Web-based score explanation service typically requires only the credit bureau identifier, credit score, and up to four reason codes as input. The invention herein discloses an algorithm that is used to provide an explanation of the primary factors influencing the score, where a rich data feed is provided to the facility implementing the algorithm.
REFERENCES:
patent: 4736294 (1988-04-01), Gill
patent: 4876592 (1989-10-01), Von Kohorn
patent: 4895518 (1990-01-01), Arnold
patent: 5034807 (1991-07-01), Von Kohorn
patent: 5259766 (1993-11-01), Sack
patent: 5262941 (1993-11-01), Saladin et al.
patent: 5611052 (1997-03-01), Dykstra
patent: 5615408 (1997-03-01), Johnson
patent: 5704029 (1997-12-01), Wright
patent: 5732400 (1998-03-01), Mandler
patent: 5774883 (1998-06-01), Andersen
patent: 5793972 (1998-08-01), Shane
patent: 5875236 (1999-02-01), Jankowitz
patent: 5878403 (1999-03-01), DeFrancesco
patent: 5930764 (1999-07-01), Melchione
patent: 5930776 (1999-07-01), Dykstra
patent: 5940812 (1999-08-01), Tengel
patent: 5950172 (1999-09-01), Klingman
patent: 5966695 (1999-10-01), Melchione
patent: 5995947 (1999-11-01), Fraser
patent: 6029149 (2000-02-01), Dykstra
patent: 6064987 (2000-05-01), Walker
patent: 6070141 (2000-05-01), Houvener
patent: 6088686 (2000-07-01), Walker
patent: 6094643 (2000-07-01), Anderson
patent: 6105007 (2000-08-01), Norris
patent: 6115690 (2000-09-01), Wong
patent: 6119103 (2000-09-01), Basch
patent: 6128599 (2000-10-01), Walker
patent: 6128603 (2000-10-01), Dent
patent: 6324524 (2001-11-01), Lent et al.
patent: 6405181 (2002-06-01), Lent
patent: 6567791 (2003-05-01), Lent
patent: 7143063 (2006-11-01), Lent
patent: 2002/0077964 (2002-06-01), Brody et al.
patent: 0869652 (1998-10-01), None
patent: 0913789 (1999-05-01), None
patent: WO01/57720 (2001-08-01), None
Singletary, Michelle. “Score One for Open Credit Ratings”. The Washington Post. Washington, D.C. : Jun. 18, 2000. p. H 01, (3 pages).
Stanton, Thomas H. “Credit Scoring and Loan Scoring as Tools for Improved Management of Federal Credit Programs.” Financier. Philadelphia: Summer 1999. vol. 6, Iss. 2/3; p. 24 (15 pages).
Data Validation Tips and Techniques—adnet.com, Sep. 1, 1999.
Powerforms: Declarative Client-Side Form Field Validation ISSN 1386-145x, Dec. 2000.
Occasional CF Newsletters, http://www.halhelms.com/index.cfm?fuseaction=newsletters.oct1999.
How Much Does a Low FICO Score Cost? Jul. 14, 2000, http://ficobuilder.com/kbsrch.htm, 2 pages.
Announcing TrueProfiler, Nov. 20, 2000, http://www.truecredit.com/index.asp, 2 pages.
TrueProfiler add on to any credit report for only $3.95, Nov. 20, 2000, http://www.truecredit.com/credit/TrueProfilerSample.asp, 10 pages.
FICO Guide Service, Nov. 20, 2000, https://www.ficoguide.com/sample—report.cfm, 10 pages.
Your ficobuilder.com order is here! Jul. 3, 2000, 46 pages.
Overview, Aug. 7, 2000, file:///Windy%20Hillo/Desktop%20Folder/Fair%20Isacc%20explainer%20call%20Irene/CreditXpert%AA, 12 pages.
Flint Andrew
Hoadley Bruce
Rosenberger Larry E.
Fair Isaac Corporation
Fischer Andrew J.
Glenn Michael A.
Glenn Patent Group
Milef Elda
LandOfFree
Algorithm for explaining credit scores does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Algorithm for explaining credit scores, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Algorithm for explaining credit scores will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-3902163