Predictive score for lending
First Claim
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1. A computer-implemented method comprising:
- determining, via a data processing apparatus operating according to a computer program product tangibly embodied in an information carrier, weighted employee information comprising;
a weighted employment premium as a percentage of income score within a fixed numerical range;
a weighted deductible as a percentage of income score within the fixed numerical range;
ora weighted annual out of pocket maximum as a percentage of income score within the fixed numerical range; and
generating, via the data processing apparatus, a credit risk indicator using a credit score and the weighted employee information.
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Abstract
Methods and apparatus, including computer program products, for a predictive score for lending. A method includes receiving an employee'"'"'s health insurance plan design information and general health and wellness data, weighting selected ones of the employee'"'"'s health insurance plan design information and general health and wellness data, and generating a credit risk indicator from the weighted selected ones of the employee'"'"'s health insurance plan design information and general health and wellness data.
69 Citations
12 Claims
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1. A computer-implemented method comprising:
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determining, via a data processing apparatus operating according to a computer program product tangibly embodied in an information carrier, weighted employee information comprising; a weighted employment premium as a percentage of income score within a fixed numerical range; a weighted deductible as a percentage of income score within the fixed numerical range;
ora weighted annual out of pocket maximum as a percentage of income score within the fixed numerical range; and generating, via the data processing apparatus, a credit risk indicator using a credit score and the weighted employee information. - View Dependent Claims (2, 3)
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4. A computer program product, tangibly embodied in an information carrier, the computer program product being operable to cause data processing apparatus to:
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determine weighted employee information comprising; a weighted employment premium as a percentage of income score within a fixed numerical range; a weighted deductible as a percentage of income score within the fixed numerical range;
ora weighted annual out of pocket maximum as a percentage of income score within the fixed numerical range; and generate a credit risk indicator using a credit score and the weighted employee information. - View Dependent Claims (5, 6)
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7. A computer-implemented method comprising:
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receiving, at a data processing apparatus operating according to a computer program product tangibly embodied in an information carrier, an employee'"'"'s health insurance plan design information and general health and wellness data; weighting, via the data processing apparatus, selected ones of the employee'"'"'s health insurance plan design information and general health and wellness data, wherein the selected ones comprise an employment premium as a percentage of income score, a deductible as a percentage of income score or an out of pocket maximum as a percentage of income score; and generating, via the data processing apparatus, a credit risk indicator from the weighted selected ones of the employee'"'"'s health insurance plan design information and general health and wellness data. - View Dependent Claims (8, 9)
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10. A computer program product, tangibly embodied in an information carrier, the computer program product being operable to cause data processing apparatus to:
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receive an employee'"'"'s health insurance plan design information and general health and wellness data; weight selected ones of the employee'"'"'s health insurance plan design information and general health and wellness data, wherein the selected ones comprise an employment premium as a percentage of income score, a deductible as a percentage of income score, or an out of pocket maximum as a percentage of income score; and generate a credit risk indicator from the weighted selected ones of the employee'"'"'s health insurance plan design information and general health and wellness data. - View Dependent Claims (11, 12)
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Specification