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METHODS AND DEVICES FOR COMPUTING OPTIMIZED CREDIT SCORES

  • US 20160267586A1
  • Filed: 02/04/2016
  • Published: 09/15/2016
  • Est. Priority Date: 03/09/2015
  • Status: Abandoned Application
First Claim
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1. A computer implemented method for computing optimized credit scores, the method comprising:

  • transmitting a data retrieval request to a data source comprising profile data associated with a plurality of individuals for retrieving the profile data associated with the plurality of individuals;

    ascertaining availability of social media data for each of the plurality of individuals based on profile data associated with an individual therein, wherein the social media data of the individual comprises content published by the individual on one or more web-based platforms;

    classifying each of the plurality of individuals into a first set and a second set based on the availability of the social media data associated with the individual, wherein the first set of individuals are individuals for whom social media data is available, and wherein the second set of individuals are individuals for whom social media data is unavailable;

    determining a social media score for each individual present in the first set based on the social media data of the individual and one or more scoring criteria, wherein the social media score is a cumulative score based on compliance with one or more scoring criteria;

    determining the social media score for each individual present in the second set based on characteristics common to the characteristics of the individuals of the first set; and

    determining a credit score for each of the plurality of individuals based at least on corresponding social media score of the individual.

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