首页|Patent Issued for Automated risk prioritization and default detection (USPTO 120 20319)
Patent Issued for Automated risk prioritization and default detection (USPTO 120 20319)
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The patent’s assignee for patent number 12020319 is Capital One Services LLC (Mc Lean, Virginia,United States).News editors obtained the following quote from the background information suppli ed by the inventors:“The process of listing a creditor as the primary lienholde r of an asset may involve multiple parties andbe time consuming or convoluted. As a result, there may be a significant delay in the time it takes for acredito r to be listed as the primary lienholder of an asset. For example, perfection of a lien for a vehiclepurchased on credit at a vehicle dealership may be subject to undue delay while being processed by anadministrative body (e.g., a state d epartment of motor vehicles for the state in which the vehicle waspurchased). T hough some delay may be expected, an assessment of which liens are excessively d elayedand a determination of which dealers are associated with those unperfecte d liens may enable proactivemeasures to be taken to ensure that the liens are p erfected in a timelier manner. As such, there exists aneed for better tracking of unperfected liens and correlation of those unperfected liens with dealers so thataction may be taken to perfect the lien or determine why the lien has not y et been perfected.
BusinessCapital One Services LLCCybo rgsEmerging TechnologiesInvestment and FinanceMachine LearningRisk and P revention
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