Source: http://www.google.com/patents/US8065234?dq=KOI-18
Timestamp: 2017-11-19 12:58:35
Document Index: 698335055

Matched Legal Cases: ['§119', 'Application No. 60', 'Application No. 60', '§119', 'Application No. 60', 'art 1', 'art 2']

Patent US8065234 - Methods and systems of predicting mortgage payment risk - Google Patents
Disclosed herein are methods and systems for detecting a risk of payment default. In various embodiments, the systems/methods receive mortgage data associated with a mortgage application of an applicant, generate one or more models based on data related to historical mortgage transactions and determine...http://www.google.com/patents/US8065234?utm_source=gb-gplus-sharePatent US8065234 - Methods and systems of predicting mortgage payment risk
Publication number US8065234 B2
Also published as US7966256, US20090099959, US20110251945
Publication number 13162517, 162517, US 8065234 B2, US 8065234B2, US-B2-8065234, US8065234 B2, US8065234B2
Patent Citations (31), Non-Patent Citations (18), Referenced by (24), Classifications (14), Legal Events (4)
US 8065234 B2
This application is a continuation of U.S. patent application Ser. No. 12/246,407, filed Oct. 6, 2008 and entitled “Methods and Systems for Predicting Mortgage Payment Risk,” now issued as U.S. Pat. No. 7,966,256, which is a continuation-in-part of U.S. patent application Ser. No. 11/526,208, filed Sep. 22, 2006 and entitled “System and Method for Detecting Mortgage Related Fraud,” now issued as U.S. Pat. No. 7,587,348, which in turn claims the benefit under 35 U.S.C. §119(e) of U.S. Provisional Patent Application No. 60/785,902, filed Mar. 24, 2006 and U.S. Provisional Patent Application No. 60/831,788, filed on Jul. 18, 2006. All of the above applications are incorporated by reference in their entirety as if set forth in full. This application also claims the benefit under 35 U.S.C. §119(e) of U.S. Provisional Patent Application No. 60/978,033, filed Oct. 5, 2007 and entitled “Method and System of Predicting Mortgage Defaults,” which is also incorporated herein by reference in its entirety as if set forth in full.
doc_type_code Numeric Code For Documentation
Type (Stated, Full, Partial, etc)
purpose_code Loan Purpose (Refi (1st, 2nd) or
Purchase (1st, 2nd))
borr_prof_yrs Borrower's Number of Years
ae_code Account Executive identifier
(can be name or code)
broker_first_name Broker first name
(or loan officer first name)
broker_last_name Broker last name
(or loan officer last name)
loan_disposition Final disposition of loan during
NOTFUNDED - approved and
application prior to any risk
PREVENTED - application
conditioned for high risk/
DECLINED - application was
declined for non-fraudulent
FUNDFRAUD - application was
approved and funded and
fraudulent in post-funding
r i = ∑ j = i N ( s j i = s _ ) ( f i - f _ ) ( N - 1 ) SD ( s i ) SD ( f ) ,
where siε(set of largest M risk indicator scores).
US20070288357 May 6, 2005 Dec 13, 2007 Etracka Pty Ltd. Loan Simulation Method And System
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Cooperative Classification G06Q40/00, G06Q40/02, G06Q40/025, G06Q20/40, G06Q20/10
European Classification G06Q40/00, G06Q40/02, G06Q20/10, G06Q40/025, G06Q20/40