Psychometric Creditworthiness Scoring for Business Loans
First Claim
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1. In a computer having a processor and storage, a computer-implemented process for determining a creditworthiness metric of a credit applicant, comprising the steps of:
- obtaining past psychometric interviews data for processing by the computer;
generating a predictive model with the processor from the past psychometric interviews data;
storing a representation of the predictive model in the computer storage;
receiving current psychometric interviews data for processing by the processor; and
generating a computer signal indicative of the creditworthiness of the current credit applicant, wherein the processor generates the computer signal by applying the current psychometric interview data to the stored predictive model.
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Abstract
An automated system evaluates the creditworthiness of organization using a predictive model that utilizes the responses of organization managers to psychometric interview questions. The system also administers automated interview via paper, computer, telephone, or Internet protocol. The system also monitors its own performance and regularly retrains its predictive model.
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20 Claims
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1. In a computer having a processor and storage, a computer-implemented process for determining a creditworthiness metric of a credit applicant, comprising the steps of:
- obtaining past psychometric interviews data for processing by the computer;
generating a predictive model with the processor from the past psychometric interviews data;
storing a representation of the predictive model in the computer storage;
receiving current psychometric interviews data for processing by the processor; and
generating a computer signal indicative of the creditworthiness of the current credit applicant, wherein the processor generates the computer signal by applying the current psychometric interview data to the stored predictive model. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
- obtaining past psychometric interviews data for processing by the computer;
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17. In a computer having a processor and storage, a computer-implemented process for determining a creditworthiness metric of loans in a collection of loans, comprising the steps of:
- obtaining psychometric interviews data relating to non-performing loans in the collection of loans for processing by the computer;
obtaining psychometric interviews data relating to performing loans in the collection of loans for processing by the computer;
generating a predictive model with the processor from the psychometric interviews data;
storing a representation of the predictive model in the computer storage; and
generating a computer signal indicative of the creditworthiness of each loan in the collection of loans, wherein the processor generates the computer signal by applying each loan'"'"'s psychometric interview data to the stored predictive model. - View Dependent Claims (18)
- obtaining psychometric interviews data relating to non-performing loans in the collection of loans for processing by the computer;
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19. In a computer having a processing and storage, a computer-implemented process for managing psychometric interviews generated for creditworthiness evaluation purposes, comprising the steps of:
- obtaining a request for a psychometric interview to an identified interviewee;
determining if a usable completed psychometric interview is available to be retrieved;
administering a psychometric interview to the identified interviewee if no usable completed psychometric interview is available to be retrieved;
archiving the completed psychometric interview; and
responding to the request with data representing the completed psychometric interview. - View Dependent Claims (20)
- obtaining a request for a psychometric interview to an identified interviewee;
Specification