AUTOMATED SEARCHING CREDIT REPORTS TO IDENTIFY POTENTIAL DEFAULTERS
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United States of America Patent
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Issued Date -
Sep 18, 2014
app pub date -
Mar 14, 2013
filing date -
Mar 14, 2013
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Abstract
A system comprises a device including a memory with a risk detection application installed thereon, wherein the risk detection application detects strategic defaulters by generating a rule set in response to receiving a search query, the rule set including a plurality of rules that respectively identify strategic default characteristics determined to correspond to a potential strategic default status, each of the plurality of rules having a corresponding weight; accessing a record in a database of loan information; applying the plurality of rules to determine whether the strategic default characteristics are respectively represented in the record; calculating a strategic defaulter score for the record using the corresponding weights for those of the plurality of rules that are determined to be represented in the record; and outputting the strategic defaulter score for the record.
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