{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8489499","patent":{"patent_number":"US-8489499","title":"System and method of detecting and assessing multiple types of risks related to mortgage lending","assignee":null,"inventors":[],"filing_date":"2010-01-13T00:00:00.000Z","publication_date":"2013-07-16T00:00:00.000Z","cpc_codes":["G06Q","G06N","G06Q","G06Q","G06Q","G06N","G06N","G06N","G06N","G06N","G06N"],"num_claims":28,"abstract":"Embodiments include systems and methods of detecting and assessing multiple types of risks related to mortgage lending. One embodiment includes a system and method of detecting and assessing risks including fraud risks, early payment default risks, and risks related to fraudulently stated income on loan applications. One embodiment includes a computerized method that includes creating a combined risk detection model based on a plurality of risk detection models and using the combined risk detection model to evaluate loan application data and generate a combined risk score that takes into account interaction of different types of risks individually and collectively detected by the plurality of risk detection models."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"System and method of detecting and assessing multiple types of risks related to mortgage lending","description":"Embodiments include systems and methods of detecting and assessing multiple types of risks related to mortgage lending. One embodiment includes a system and method of detecting and assessing risks inc","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8489499","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8489499","citation_suggestion":"Patentable. \"System and method of detecting and assessing multiple types of risks related to mortgage lending\" (US-8489499). https://patentable.app/patents/US-8489499","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8489499","json":"https://patentable.app/api/llm-context/US-8489499","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T17:38:17.359Z"}