Patent Document ID: 20130332338
Application ID: 13933568
Patent Flag: 0

Claim One:
1. A system for detecting and assessing lending risks, the system comprising: a computer system comprising one or more computing devices, the computer system programmed, via executable code modules, to implement: a combined risk detection model for detecting and assessing data indicative of a plurality of risks in loan application data, the combined risk detection model adapted to receive as input a plurality of input features extracted from two or more of a plurality of risk detection models, the plurality of risk detection models comprising: a first risk detection model configured to generate a first risk model score that is indicative of the presence of risk in the loan application data; a second risk detection model configured to generate a second risk model score that is indicative of the presence of risk in the loan application data; and a third risk detection model configured to generate a third risk model score that is indicative of the presence of risk in the loan application data, wherein the computer system is further programmed to: determine combinability of the plurality of risk detection models based at least partly on evaluating predictive performance of scores from one or more combinations of the risk detection models against historical transactions data; extract input features from the risk detection models that are determined to be combinable, the input features created from a mathematical combination of the scores and additional data; and generate a composite risk score based at least in part on the scores from the models determined to be combinable and the extracted input features; and a score reporting module that reports the composite risk score generated by the combined risk detection model.