EXPERIAN INFORMATION SOLUTIONS, INC.
|EXPERIAN INFORMATION SOLUTIONS, INC. Patent applications|
|Patent application number||Title||Published|
|20130173481||SYSTEM AND METHOD FOR PROVIDING A SCORE FOR A USED VEHICLE - One embodiment of the system and method described herein provides a score generator system that generates an automated vehicle specific valuation of a used car based on the physical and historical attributes of that vehicle. This score may indicate the likelihood that the vehicle will be on the road in a specific period of time. The score may give an absolute percentage of such likelihood or it may give a value relative to all other used vehicles in a database, all other used vehicles of the same make/model/year, or a certain subset of the vehicles in a database. In one embodiment, the score generator system includes a data link module for linking vehicle data and filter module for applying a multi-level filters that process the linked vehicle data.||07-04-2013|
|20130173451||SYSTEM AND METHOD FOR INTERACTIVELY SIMULATING A CREDIT-WORTHINESS SCORE - A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.||07-04-2013|
|20130173450||SYSTEM AND METHOD FOR AUTOMATED DETECTION OF NEVER-PAY DATA SETS - Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but over the life of the account, never make a payment) can be useful to various commercial entities, such as those issuing mortgages, home equity lines of credit, consumer or business lines of credit, automobile loans, credit card accounts, or those entities providing services, such as utility services, phone services, and the like.||07-04-2013|
|20120158574||SYSTEMS AND METHODS FOR DETECTING BUST OUT FRAUD USING CREDIT DATA - Systems and methods are disclosed for predicting bust out fraud using credit bureau data. In one embodiment, credit bureau scoring models are created using credit bureau data to detect bust out fraud. The credit bureau scoring models may be then applied to consumer data to determine whether a consumer is involved in bust out fraud.||06-21-2012|
|20120116950||SYSTEM AND METHOD FOR GENERATING A FINANCE ATTRIBUTE FROM TRADELINE DATA - Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics.||05-10-2012|
|20120095927||SYSTEM AND METHOD FOR PROVIDING A SCORE FOR A USED VEHICLE - One embodiment of the system and method described herein provides a score generator system that generates an automated vehicle specific valuation of a used car based on the physical and historical attributes of that vehicle. This score may indicate the likelihood that the vehicle will be on the road in a specific period of time. The score may give an absolute percentage of such likelihood or it may give a value relative to all other used vehicles in a database, all other used vehicles of the same make/model/year, or a certain subset of the vehicles in a database. In one embodiment, the score generator system includes a data link module for linking vehicle data and filter module for applying a multi-level filters that process the linked vehicle data.||04-19-2012|
|20120017266||SYSTEMS AND METHODS FOR PERMISSION ARBITRATED TRANSACTION SERVICES - Systems and methods disclosed allow a permitting party to share personal information with a receiving party. The receiving party may use the information to authenticate the permitting party, assess the permitting party, determine if the permitting party is compatible with one or more other users associated with the receiving party, or validate the permitting party. The permitting party may define how much of the permitting party's personal information is shared, and/or limit the use of the information for one or more specific purposes. A requesting party may also set up criteria for the types of information it wants to review along with the intended use of the information. The systems and methods disclosed also enables permitting parties the ability to grant requesting parties access to requested information.||01-19-2012|
|20110320241||SYSTEMS AND METHODS FOR EVALUATING PERFORMANCE OF AFTERMARKET VEHICLE PART SALES - A system and method for evaluating the performance of aftermarket vehicle part sales for assortment planning, the method including: receiving a vehicle part identifier associated with a vehicle part to be evaluated, receiving information related to vehicles in operation in a given market, receiving product information related to the vehicle part, receiving sales information related to the vehicle part in the given market, processing the information related to vehicles in operation in a given market, the product information related to the vehicle part and the sales information related to the vehicle part to produce an evaluation of the aftermarket performance of the vehicle part sales, and generating an evaluation report of the aftermarket performance of the vehicle part sales.||12-29-2011|
|20110213641||SYSTEMS AND METHODS FOR DETERMINING LOAN OPPORTUNITIES - A loan opportunity system is configured to analyze loan data and/or population data in order to determine loan opportunities for a lender, such as a credit union. In one embodiment a lender is initially provided with one or more estimated loan opportunity indicators, such as indicators of quantities of loans in a specific geographic region for which the lender can likely offer lower rates. Subsequently, upon completion of a payment agreement with a loan opportunity provider, for example, and establishment of loan parameters associated with borrowers (and their existing loans) to which the lender would like to make firm offers of credit, the lender is provided with a loan opportunity list indicating details of borrowers and their respective loans for which the particular lender can likely offer lower rates.||09-01-2011|
|20110016042||SYSTEM AND METHOD FOR TRACKING AND ANALYZING LOANS INVOLVED IN ASSET-BACKED SECURITIES - Embodiments of the disclosure are directed to providing unique loan identifiers to track loans involved in Asset-Backed Securities (ABS) throughout the life-cycle of the individual loans, in one embodiment, a unique loan identifier, for example, a loan number, may be appended to loan data at initiation of each loan, for example, at the application stage, to and/or beyond the retirement of the loan. The unique loan identifiers may allow disparate financial data sources such as the credit histories of the borrowers to be associated with the individual loans, even as the loans are repackaged and resold as ABS in the secondary markets. Thus, market participants such as loan servicers and investors can access current and historical data associated with the loans. Other embodiments are directed to analyzing the data associated with the underlying loans and providing the analysis to the market participants including servicers, investors, and underwriters.||01-20-2011|
|20100332292||SYSTEM AND METHOD FOR EVALUATING VEHICLE PURCHASE LOYALTY - One embodiment of the system and method described herein provides a vehicle loyalty system that gathers data on an individual's or a household's vehicles and analyzes purchase and disposal records within a particular time frame relative to the purchase date of each unique vehicle to determine brand and related loyalties. The system and method offer unique window definitions surrounding each purchase record such that data straddling a study time frame will still be caught and analyzed.||12-30-2010|
|20090271248||PRECALCULATION OF TRENDING ATTRIBUTES - A credit attribute delivery system receives consumer financial data and generates trending attributes. The trending attributes are stored in a precalculated trending attribute database. The credit attribute delivery system may respond to a request for consumer trending attributes in a real time manner by accessing and providing the trending attributes stored in the precalculated trending attribute database.||10-29-2009|
Patent applications by EXPERIAN INFORMATION SOLUTIONS, INC.