Scored negative file system and method

Details Scored negative file system and method Scored negative file system and method

2004-06-17

2011-12-20

Maguire, Lindsay M (Department: 3693)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S035000

Reexamination Certificate

active

08082207

ABSTRACT:
System and method for validating a payment. The method can include obtaining a first account identifier, accessing a database containing a plurality of risk scores, each one of the plurality of risk scores being associated with one of a plurality of account identifiers, obtaining a first risk score from the plurality of risk scores, the first risk score being associated with the first account identifier, and determining an acceptance decision by comparing the first risk score against a risk threshold value.

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A Data Mining Approach to Credit Risk Evaluation and Behaviour Scoring Sara C. Madeira, Arlindo L. Oliveira, and Catarina S. Conceicao 2003.
Consumer credit scoring: Do situational circumstances matter? Robert B. Avery, Paul S. Calem , Glenn B. Canner Board of Governors of the Federal Reserve System, Division of Research & Statistics, Stop 153, Washington, DC 20551, USA.

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