Jeffrey A Feinstein

US Patent:

7970676, Jun 28, 2011

Filed:

Aug 1, 2007

Appl. No.:

11/832610

Inventors:

Jeffrey A. Feinstein - Roswell GA, US

Assignee:

Fair Isaac Corporation - Minneapolis MN

International Classification:

G06Q 40/00

US Classification:

705 35, 705 36, 705 38, 705 39, 705 42

Abstract:

A method and system for predicting impact of future actions on subsequent performance involves developing a prediction model that predicts a statistical interaction of performance expectation with likely behavior. In one embodiment, sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim behavior. Predictive interaction variables are calculated on the predictive data using simulated profiles before and after an action.

US Patent:

8027894, Sep 27, 2011

Filed:

Dec 28, 2007

Appl. No.:

11/966820

Inventors:

Jeffrey A. Feinstein - Roswell GA, US
Shane De Zilwa - Oakland CA, US

Assignee:

Fair Isaac Corporation - Minneapolis MN

International Classification:

G06Q 40/00

US Classification:

705 35, 705 30

Abstract:

A request to generate a consolidation risk score that characterizes a likelihood of a change in a level of creditworthiness of an individual following a consolidation of debt of the individual using a secured line of credit is received. Thereafter, future credit balance increases are estimated for the individual using a predictive model trained using historical creditworthiness data of a plurality of consolidators. These estimated future balance increases are then associated with a consolidation risk score so that such score can be provided. Related apparatus, systems, techniques, and articles are also described.

US Patent:

8099356, Jan 17, 2012

Filed:

Feb 6, 2008

Appl. No.:

12/027250

Inventors:

Jeffrey Allen Feinstein - Roswell GA, US
Gary J. Sullivan - San Francisco CA, US
Jennifer Elizabeth Jack - San Francisco CA, US

Assignee:

Fair Isaac Corporation - Minneapolis MN

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 36, 705 39, 705 42

Abstract:

Predicting impact of future actions on subsequent creditworthiness involves developing a prediction model that predicts a statistical interaction of performance expectation with likely post-scoring behavior. Including sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim consumer behavior post-scoring date. Predictive interaction variables are calculated on the predictive data using simulated consumer profiles before and after assuming a sizeable simulated balance to infer the consumer's tolerance for incremental future debt. Using an adjustor approach in predicting capacity allows isolation of the confounding effect of risk from the capacity determination. A resulting capacity index can be used to rank order originations and line increases according to capacity in consumer, bankcard, automobile and mortgage lending.

US Patent:

8484132, Jul 9, 2013

Filed:

Jun 8, 2012

Appl. No.:

13/491786

Inventors:

James Alan Christiansen - Chanhassen MN, US
Fang Yuan - Eden Prairie MN, US
Michael James Woodberry - Bozeman MN, US
Brent Wayne Sorenson - Prior Lake MN, US
Jeffrey Allen Feinstein - Roswell GA, US

Assignee:

LexisNexis Risk Solutions FL Inc. - Boca Raton FL

International Classification:

G06Q 40/00

US Classification:

705 44, 705 35

Abstract:

Certain embodiments of the invention may include systems, methods, and apparatus for determining fraud risk associated with a credit application. According to an exemplary embodiment of the invention, a method is provided for receiving applicant information associated with the application; searching one or more consumer identity repositories for prior usage of the applicant information; generating a plurality of identity characteristics corresponding to the prior usage of the applicant information; assigning the application to one of a plurality of segments based at least in part on the searching; scoring the application with a predictive scoring model to determine a risk score based at least in part on the identity characteristics; determining identity fraud risk types associated with the application; and outputting the risk score and one or more indicators of the determined identity fraud risk types.

US Patent:

20090171756, Jul 2, 2009

Filed:

Dec 28, 2007

Appl. No.:

11/966798

Inventors:

Shane De Zilwa - Oakland CA, US
Jeffrey A. Feinstein - Roswell GA, US

International Classification:

G06Q 40/00
G06Q 10/00

US Classification:

705 10, 705 38

Abstract:

A request to generate a balance attriter risk score that characterizes a likelihood of a change in a level of creditworthiness of an individual following balance attrition is received. Thereafter, one or more creditworthiness indicators such as future credit balance increases (a proxy for the responsibility of the individual) are estimated for the individual using a predictive model trained using historical creditworthiness data of a plurality of balance attriters. These estimated future balance increases are then associated with a balance attriter risk score so that such score can be provided. Related apparatus, systems, techniques, and articles are also described.

US Patent:

20090265281, Oct 22, 2009

Filed:

Apr 17, 2008

Appl. No.:

12/105185

Inventors:

Michael Raymond Cohen - Denver CO, US
Chenyang Lian - El Cerrito CA, US
Lara D. Mercurio - Barkeley CA, US
Jeffrey A. Feinstein - Roswell GA, US

International Classification:

G06Q 40/00

US Classification:

705 36 R

Abstract:

Input characterizing one or more economic indicators and a portfolio of accounts can be used to estimate a portfolio level effect of the economic indicators on the portfolio of accounts is estimated. Based on this estimation, an account level effect of the economic indicators is simulated for each of the accounts. The overall affect of the simulated account level effects approximates the portfolio level effect. Simulated account level effects can thereafter be aggregated in order to characterize future risk for the portfolio of accounts. Related apparatus, systems, techniques and articles are also described.

US Patent:

20100268639, Oct 21, 2010

Filed:

Apr 16, 2009

Appl. No.:

12/425282

Inventors:

Jeffrey A. Feinstein - Roswell GA, US
Shane De Zilwa - Oakland CA, US
Lisa M. Wice - San Francisco CA, US
Victor Wykoff - Laguna Niguel CA, US

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35

Abstract:

Data comprising a request to generate a migration score is received (for example, by a first computer system). The migration score characterizes a likelihood of a change in a level of creditworthiness of a consumer subsequent to generation of a current credit score. Thereafter, future credit score migration for the individual is estimated (for example, by the first computer system) using a predictive model trained using historical creditworthiness data derived from a plurality of individuals. The historical creditworthiness data includes, for each individual, a historical credit score and empirical performance data subsequent to a scoring date for the historical credit score. Thereafter, the estimated future credit score migration is associated (for example, by the first computer system) with a migration score. Provision of the migration score can then be initiated. Related apparatus, systems, techniques and articles are also described.

US Patent:

20120072334, Mar 22, 2012

Filed:

Nov 4, 2010

Appl. No.:

12/939975

Inventors:

Jeffrey A. Feinstein - Roswell GA, US
Wei Jiang - San Leandro CA, US
Ryan Morrison - San Rafael CA, US
Shane De Zilwa - Oakland CA, US

International Classification:

G06Q 40/02

US Classification:

705 38

Abstract:

A request to generate a responsibility score is received that characterizes a likelihood of a change in a level of creditworthiness of an individual in response to at least one unknown financial event. Such responsibility score can provide useful insight into a consumer that is complementary to a credit score. Thereafter, a responsibility score is generated based on historical creditworthiness data for the individual using at least one predictive model. The at least one predictive model was trained using historical creditworthiness data of a plurality of consumers subjected to a plurality of financial events. In addition, the at least one predictive model associates the historical creditworthiness data of the individual with matching states for each of a plurality of pre-defined performance behaviors—with each pre-defined performance behavior having at least two corresponding states. The responsibility score can be later provided to a user (e.g., persisted, transmitted, displayed, etc.). Related apparatus, systems, techniques, and articles are also described.