James W Christiansen, Age 622 Blue Flag Ct, Saint Paul, MN 55127

8484132, Jul 9, 2013

Jun 8, 2012

13/491786

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

LexisNexis Risk Solutions FL Inc. - Boca Raton FL

G06Q 40/00

705 44, 705 35

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.

6202053, Mar 13, 2001

Jan 23, 1998

9/012231

James Christiansen - Chanhassen MN
Sangita Fatnani - Hockessin DE
Jayashree Santosh Kolhatkar - West Chester PA
Krishnakumar Srinivasan - Hockessin DE

First USA Bank, NA - Wilmington DE

G06F 1760

705 38

The present invention is a method and apparatus that uses a plurality of predetermined segments to group credit applicants to evaluate each applicant's credit risk. The segments are based on at least one of reported trades, reported delinquency, bank card utilization, and length of said credit history. A score is generated for each applicant based on a unique scorecard designed for each segment The unique scorecards allow more accurate credit risk assessment by evaluating each applicant in view of that segment's tendency to be bad credit risks.

2015034, Dec 3, 2015

May 29, 2014

14/290111

- Alpharetta GA, US
James Alan Christiansen - Chanhassen MN, US
Brent Wayne Sorenson - Prior Lake MN, US
Michael James Woodberry - Bozeman MT, US

LexisNexis Risk Solutions Inc. - Alpharetta GA

G06Q 40/02

Certain implementations may include systems and methods for determining occupancy. According to an example implementation, a method is provided. The method includes receiving identifying information related to occupancy of a target property by a subject. The identifying information may include a name of the subject and an address of the target property. In certain embodiments, the identifying information may include an actual or approximate investigation date to allow a historical evaluation of occupancy at a specific time in the past. The method includes querying one or more public or private databases with the identifying information and receiving, in response to the querying, subject and property information. The method includes determining one or more indicators of occupancy of the target property. The method includes determining, with the one or more computer processors, a score based on the one or more indicators of occupancy; and outputting an indication of the score.