Api for implementing scoring functions
AssigneeZestFinance, Inc.
InventorsJohn W.L. Merrill, John J. Beahan, JR.
Life of this patent
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Abstract
This invention relates generally to data assembly and analytics, as can be used in the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for creating objects which can be used in multiple implementations to generate scores.
Claims18
A central computer server communicatively coupled to a public network, the central computer server having a non-transitory computer-usable medium with a sequence of instructions which, when executed by a processor, causes said processor to execute an electronic process that automatically generates at least one scorable object, said process comprising:
- receiving a request from a user device over a network to generate one or more scorable objects;
- accessing data stored in at least one database;
- creating and storing the scorable objects associated with the request from the user device, wherein the scorable objects can be used in a plurality of scoring functions.
A central computer server communicatively coupled to a public network, the central computer server having a non-transitory computer-usable medium with a sequence of instructions which, when executed by a processor, causes said processor to execute an electronic process that automatically generates at least one score, said process comprising:
- receiving a request from a user device over a network to generate a score;
- accessing data stored in at least one database required for generating the score;
- assembling a first block needed for calculating the first score;
- invoking a scoring function which calculates a score using the first block;
- storing the score;
- and
- forwarding the score to the user device.
Dependencies are inferred from the claim text.