Jeffrey P 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:

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.

US Patent:

20200020062, Jan 16, 2020

Filed:

Jul 12, 2018

Appl. No.:

16/033692

Inventors:

- Alpharetta GA, US
Jeffrey Allen Feinstein - Roswell GA, US
Eric Graves - Saint Paul MN, US

International Classification:

G06Q 50/26
H04L 29/06
G06F 17/30
G06F 21/60

Abstract:

The disclosed technology includes systems and methods for identifying synthetic identities among a population of entity representations in an electronic database. The method includes include selecting a first entity representation, and for the selected first entity representation, identifying one or more network chains formed by one or more connections between the first entity representation, a second entity representation, and zero or more intervening entity representations; and determining a number of connections per connection degree for a predetermined number of degrees in at least one of the identified one or more network chains; determining, based on the number of connections per connection degree, an indication that one or more of the first entity representation, the second entity representation, and zero or more of the intervening entity representations is a synthetic identity; and outputting entity representation information of one or more entities in the population that are indicated as a synthetic identity.