Patent Document ID: 20110173116
Application ID: 12687098
Patent Status: 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 fraud model that detects the presence of data indicative of fraud in the loan application data; an multi-component risk model that assesses risks associated with a loan referenced by the loan application data, the multi-component risk model based at least in part on external data not within the loan application data; and a default risk model that detects the presence of data indicative of a risk of early payment default in the loan application data, wherein the input features are extracted from the two or more risk detection models by mathematically combining scores from the plurality of risk detection models for input into the combined risk detection model, the input features being selected as based at least in part on a comparison of the predictive performance of the risk detection models and a selection of a modeling method used to construct the combined risk detection model; and a score reporting module that reports a composite risk score generated by the combined risk detection model.