06119103 is referenced by 538 patents and cites 33 patents.

A computer-implemented method for predicting financial risk, which includes receiving first transaction data pertaining to transactions performed on a first financial account. The first financial account represents a financial account issued to a given account holder by a first account issuer. The method further includes receiving second transaction data pertaining to transaction performed on a second financial account different from the first financial account. The second financial account represents a financial account issued to the given account holder by a second account issuer different from the first account issuer. There is further included scoring the first transaction data and the second transaction data based on a preexisting model to form a score for the account holder. Additionally, there is included transmitting, if the score is below a predefined financial risk threshold, the score to one of the first account issuer and the second account issuer.

Title
Financial risk prediction systems and methods therefor
Application Number
8/863666
Publication Number
6119103
Application Date
May 27, 1997
Publication Date
September 12, 2000
Inventor
Patrick Faith
Pleasanton
CA, US
Kevin Siegel
Fremont
CA, US
Belva J Bruesewitz
Danville
CA, US
Catherine A Basch
Pleasanton
CA, US
Agent
Beyer & Weaver
Assignee
Visa International Service Association
CA, US
IPC
G07F 7/10
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