1
Hakan Olof Brunzell, Arielle Renee Caron, Tak Wun Wong: Systems and methods for detecting bust out fraud using credit data. Experian Information Solutions, Knobbe Martens Olson & Bear, August 2, 2011: US07991689 (69 worldwide citation)

Systems and methods are for, for example, predicting bust out fraud using credit bureau data. In one embodiment, credit bureau scoring models are created using credit bureau data to detect bust out fraud. The credit bureau scoring models may be then applied to consumer data to determine whether a co ...


2
Venkat R Achanta: Systems and methods for optimizing database queries. Experian Information Solutions, Knobbe Martens Olson & Bear, March 15, 2011: US07908242 (65 worldwide citation)

A relational database warehouse system with query optimization capabilities is described that allows for speedy identification of sets of records of interest from amongst tens of millions of records. The records of interest may include complex derived attributes, generated, at least in part, by aggr ...


3
Adam T Kornegay, Joseph L Greenwald, Constance A Elliott: System and method for interactively simulating a credit-worthiness score. Experian Information Solutions, Knobbe Martens Olson & Bear, October 27, 2009: US07610229 (59 worldwide citation)

A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simu ...


4
Hakan Olof Brunzell, Arielle Renee Caron, Tak Wun Wong, Anthony J Sumner: Systems and methods for detecting bust out fraud using credit data. Experian Information Solutions, Knobbe Martens Olson & Bear, August 16, 2011: US08001042 (54 worldwide citation)

Systems and methods are for, for example, predicting bust out fraud using credit bureau data. In one embodiment, credit bureau scoring models are created using credit bureau data to detect bust out fraud. The credit bureau scoring models may be then applied to consumer data to determine whether a co ...


5
Adam T Kornegay, Matthew R Schwab, Marcos C de Almeida: Credit score simulation. Experian Information Solutions, Knobbe Martens Olson & Bear, April 12, 2011: US07925582 (51 worldwide citation)

Systems and methods are described that simulate a credit score. The system enables a user to modify a credit data element in order to determine its effect on a credit score. The user can modify the element directly or simulate an action that, if performed, would modify the element. Since the number ...


6
Edith Hirtenstein, David Nemtuda: System and method for providing a score for a used vehicle. Experian Information Solutions, Knobbe Martens Olson & Bear, March 5, 2013: US08392334 (48 worldwide citation)

One embodiment of the system and method described herein provides a score generator system that generates an automated vehicle specific valuation of a used car based on the physical and historical attributes of that vehicle. This score may indicate the likelihood that the vehicle will be on the road ...


7
Edith Hirtenstein, David Nemtuda: System and method for providing a score for a used vehicle. Experian Information Solutions, Knobbe Martens Olson & Bear, August 23, 2011: US08005759 (48 worldwide citation)

One embodiment of the system and method described herein provides a score generator system that generates an automated vehicle specific valuation of a used car based on the physical and historical attributes of that vehicle. This score may indicate the likelihood that the vehicle will be on the road ...


8
Christopher J Celka, Cristian R Rojas: Systems and methods for early account score and notification. Experian Information Solutions, Knobbe Martens Olson & Bear, May 13, 2014: US08725613 (46 worldwide citation)

The embodiments illustrated herein provide systems and methods for predicting or identifying early life account fraud at a point-in-time within existing account portfolios. The identity-level linking of inquiry data described herein allow for detecting inconsistent and/or suspicious use of identity ...


9
Chuck Robida, Chien Wei Wang: Systems and methods for analyzing data. Experian Information Solutions, Knobbe Martens Olson & Bear, May 4, 2010: US07711636 (46 worldwide citation)

Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance defini ...


10
Rollin M Girulat Jr, Arlene Grace Dang: Systems and methods for tracking changes of address based on service disconnect/connect data. Experian Information Solutions, Knobbe Martens Olson & Bear, May 8, 2012: US08175889 (44 worldwide citation)

A computer-implemented system for updating mailing address or other contact information using service disconnect and connect information, such as for telephone, utility, or other service, is described. Electronic information about service disconnect requests and service connection requests is receiv ...