EP2663957A4 - Systems and methods for using online social footprint for affecting lending performance and credit scoring - Google Patents

Systems and methods for using online social footprint for affecting lending performance and credit scoring

Info

Publication number
EP2663957A4
EP2663957A4 EP12734037.0A EP12734037A EP2663957A4 EP 2663957 A4 EP2663957 A4 EP 2663957A4 EP 12734037 A EP12734037 A EP 12734037A EP 2663957 A4 EP2663957 A4 EP 2663957A4
Authority
EP
European Patent Office
Prior art keywords
affecting
systems
methods
online social
credit scoring
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP12734037.0A
Other languages
German (de)
French (fr)
Other versions
EP2663957A2 (en
Inventor
Stewart Jeffery
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
LENDDO PTE. LTD.
Original Assignee
Lenddo Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Lenddo Ltd filed Critical Lenddo Ltd
Publication of EP2663957A2 publication Critical patent/EP2663957A2/en
Publication of EP2663957A4 publication Critical patent/EP2663957A4/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Health & Medical Sciences (AREA)
  • Tourism & Hospitality (AREA)
  • Primary Health Care (AREA)
  • Human Resources & Organizations (AREA)
  • Health & Medical Sciences (AREA)
  • Computing Systems (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
EP12734037.0A 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring Withdrawn EP2663957A4 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201161432523P 2011-01-13 2011-01-13
PCT/US2012/021106 WO2012097171A2 (en) 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring

Publications (2)

Publication Number Publication Date
EP2663957A2 EP2663957A2 (en) 2013-11-20
EP2663957A4 true EP2663957A4 (en) 2016-06-29

Family

ID=46507671

Family Applications (1)

Application Number Title Priority Date Filing Date
EP12734037.0A Withdrawn EP2663957A4 (en) 2011-01-13 2012-01-12 Systems and methods for using online social footprint for affecting lending performance and credit scoring

Country Status (6)

Country Link
EP (1) EP2663957A4 (en)
BR (1) BR112013017973A2 (en)
CO (1) CO6791573A2 (en)
MX (1) MX2013008149A (en)
PE (1) PE20140400A1 (en)
WO (1) WO2012097171A2 (en)

Families Citing this family (23)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8312033B1 (en) 2008-06-26 2012-11-13 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US8650070B2 (en) 2011-08-02 2014-02-11 Google Inc. System and method for sharing content on third-party mobile applications
US8738516B1 (en) 2011-10-13 2014-05-27 Consumerinfo.Com, Inc. Debt services candidate locator
US8756168B1 (en) 2012-02-22 2014-06-17 Google Inc. Endorsing a product purchased offline
US8688796B1 (en) 2012-03-06 2014-04-01 Tal Lavian Rating system for determining whether to accept or reject objection raised by user in social network
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US8639619B1 (en) 2012-07-13 2014-01-28 Scvngr, Inc. Secure payment method and system
US9654541B1 (en) 2012-11-12 2017-05-16 Consumerinfo.Com, Inc. Aggregating user web browsing data
US9916621B1 (en) 2012-11-30 2018-03-13 Consumerinfo.Com, Inc. Presentation of credit score factors
US9406085B1 (en) 2013-03-14 2016-08-02 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US10102570B1 (en) 2013-03-14 2018-10-16 Consumerinfo.Com, Inc. Account vulnerability alerts
US8770478B2 (en) 2013-07-11 2014-07-08 Scvngr, Inc. Payment processing with automatic no-touch mode selection
US9477737B1 (en) 2013-11-20 2016-10-25 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US20160371695A1 (en) * 2015-06-16 2016-12-22 Guardian Consumer Services, Inc. D/B/A Pavaso, Inc. System and method for identity and character verification of parties to electronic transactions
US10740751B1 (en) 2016-12-20 2020-08-11 Wells Fargo Bank, N.A. Secure transactions in social media channels
US10997595B1 (en) 2016-12-28 2021-05-04 Wells Fargo Bank, N.A. Systems and methods for preferring payments using a social background check
CN111433806A (en) * 2017-10-04 2020-07-17 克劳德比罗公司 System and method for analyzing crowd funding platform
US10880313B2 (en) 2018-09-05 2020-12-29 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US11238656B1 (en) 2019-02-22 2022-02-01 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
US11941065B1 (en) 2019-09-13 2024-03-26 Experian Information Solutions, Inc. Single identifier platform for storing entity data
CN110874791A (en) * 2019-11-15 2020-03-10 安徽海汇金融投资集团有限公司 Financing method and system for small and medium-sized micro-enterprises
CN113744049B (en) * 2021-09-18 2024-05-24 中国银行股份有限公司 Personal credit score acquisition method, device, server and medium
CN114331336B (en) * 2021-12-21 2022-10-21 二十六度数字科技(广州)有限公司 System design method for improving approval efficiency and automation degree

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070179827A1 (en) * 2003-08-27 2007-08-02 Sandeep Gupta Application processing and decision systems and processes
US8302164B2 (en) * 2004-07-22 2012-10-30 Facebook, Inc. Authorization and authentication based on an individual's social network
US20080133402A1 (en) * 2006-09-05 2008-06-05 Kerry Ivan Kurian Sociofinancial systems and methods
US8744946B2 (en) * 2008-06-09 2014-06-03 Quest Growth Partners, Llc Systems and methods for credit worthiness scoring and loan facilitation
US20090327120A1 (en) * 2008-06-27 2009-12-31 Eze Ike O Tagged Credit Profile System for Credit Applicants
CA2685758A1 (en) * 2009-11-10 2011-05-10 Neobanx Technologies Inc. System and method for assessing credit risk in an on-line lending environment

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
No further relevant documents disclosed *

Also Published As

Publication number Publication date
EP2663957A2 (en) 2013-11-20
PE20140400A1 (en) 2014-04-18
BR112013017973A2 (en) 2020-10-27
MX2013008149A (en) 2014-05-13
WO2012097171A3 (en) 2013-07-11
WO2012097171A2 (en) 2012-07-19
CO6791573A2 (en) 2013-11-14

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Legal Events

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PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

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Effective date: 20130711

AK Designated contracting states

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Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR

DAX Request for extension of the european patent (deleted)
A4 Supplementary search report drawn up and despatched

Effective date: 20160601

RIC1 Information provided on ipc code assigned before grant

Ipc: G06Q 50/00 20120101ALI20160525BHEP

Ipc: G06Q 40/02 20120101AFI20160525BHEP

RAP1 Party data changed (applicant data changed or rights of an application transferred)

Owner name: LENDDO PTE. LTD.

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