Systems and methods for analyzing lender risk using vehicle historical data
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United States of America Patent
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Sep 29, 2015
Grant Date -
N/A
app pub date -
May 2, 2011
filing date -
May 2, 2011
priority date (Note) -
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Abstract
Systems and methods for analyzing the risk associated with lenders offering vehicle loans is determined based on historical data associated with the vehicle. Vehicle registration data for a region is accessed to determine the vehicles registered in the region and the lien holders of the vehicles. Historical data of the vehicles is accessed and analyzed to determine if any events adversely affecting the value of the vehicles, such as vehicle title brands, are associated with the vehicles. The vehicle history data is associated with the lien holders of the vehicles. A risk value may be determined for each lien holder by comparing the lien holder's total number of liens to those liens on vehicles associated with history events adversely affecting the value of the vehicle.
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