US Patent:
20080091592, Apr 17, 2008
Inventors:
Jeremy J. Blackburn - Inver Grove Heights MN, US
Vikram A. Kashyap - San Francisco CA, US
Anthony T. Banas - Chicago IL, US
International Classification:
G06Q 40/00
Abstract:
Methods and apparatus, including computer program products, for a predictive score for lending. A method includes receiving an employee's health insurance plan design information and general health and wellness data, weighting selected ones of the employee's health insurance plan design information and general health and wellness data, and generating a credit risk indicator from the weighted selected ones of the employee's health insurance plan design information and general health and wellness data.