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Risk identification system and methods

  • US 20050065872A1
  • Filed: 09/10/2004
  • Published: 03/24/2005
  • Est. Priority Date: 09/12/2003
  • Status: Active Grant
First Claim
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1. A risk assessment method comprising:

  • determining a market limit score from depersonal information;

    calculating an institutional limit score from personal information;

    providing a check limit from analysis of the market limit score and the institutional limit score;

    entering the check limit into a matrix that includes check verification data and credit rating score data;

    receiving a check verification report for a customer that may contain negative information and abuse information;

    retrieving a credit rating score for the customer;

    comparing the check verification report with the check verification data of the matrix and the credit rating score with the credit rating score data of the matrix;

    obtaining a designation code from the matrix; and

    arriving at an assessment of risk associated with the designation code from the matrix.

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