Using psychometric analysis for determining credit risk
AssigneeHappy Money, Inc.
InventorsJohn Galen Buckwalter, David Herman, Andrew Wen, Scott Saunders
Life of this patent
Estimating the term…
Abstract
A method of obtaining psychometric information about a user is disclosed. A psychometric graphical object is provided to the user by a personalized user management module. User interaction with the psychometric graphical object is measured by a psychological traits evaluation module. At least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait. At least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.
Claims23
A method of obtaining psychometric information about a user, comprising:
- providing a psychometric graphical object to the user by a personalized user management module;
- and
- measuring user interaction with the psychometric graphical object by a psychological traits evaluation module;
- and
- wherein at least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait, and wherein at least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.
A system for obtaining psychometric information about a user, comprising:
- a personalized user management module configured to provide a psychometric graphical object to the user;
- and
- a psychological traits evaluation module configured to measure user interaction with the psychometric graphical object;
- and
- wherein at least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait, and wherein at least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.
A computer program product for obtaining psychometric information about a user, the computer program product being embodied in a non-transitory computer readable storage medium and comprising computer instructions for:
- providing a psychometric graphical object to the user by a personalized user management module;
- and
- measuring user interaction with the psychometric graphical object by a psychological traits evaluation module;
- and
- wherein at least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait, and wherein at least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.
Dependencies are inferred from the claim text.