公开(公告)号：US20130173451A1

公开(公告)日：2013-07-04

申请号：US13718362

申请日：2012-12-18

申请人： EXPERIAN INFORMATION SOLUTIONS, INC.

发明人： Adam T. Kornegay ,  Joseph L. Greenwald ,  Constance A. Elliott

IPC分类号： G06Q40/02

CPC分类号： G06Q40/025 ,  G06Q20/102 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/04

摘要： 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 simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.

摘要翻译： 提供了一种系统和方法，以允许消费者通过基于他的实际信用数据提交假设值来交互地探索他的信用评分。 该系统使用消费者的实际信用数据和提交的假设值来根据模拟计数卡计算模拟信用评分。 消费者然后可以观察得出的得分的变化。 该系统和记分卡可以利用比完整的信用评分卡更少的数据元素，并且可以专注于影响消费者信用评分的关键要素。 该系统可以部分地实现在web服务器上或作为独立应用。 当消费者调整假设值或者可能要求消费者肯定地提交新的假设数据时，系统还可以动态地更新分数。