GEOSPATIAL DATA BASED MEASUREMENT OF RISK ASSOCIATED WITH A VEHICULAR SECURITY INTEREST IN A VEHICULAR LOAN PORTFOLIO
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United States of America Patent
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app pub date -
Dec 16, 2011
filing date -
Dec 2, 2011
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Abstract
A method of geospatial data based assessment of a vehicular security interest in a vehicular loan portfolio is disclosed. The method may involve permitting a party having a vehicular security interest and/or a party interested in acquiring the vehicular security interest and/or a vehicular loan portfolio access to dynamically determined vehicle location and pattern of usage information associable with the vehicle through a geospatial positioning device within the vehicle. A risk scoring methodology may be developed that may contribute to the assessment of the financial value of the vehicular security interest and/or the vehicular loan portfolio when there is a match between an event and the location and pattern of usage information associable with the vehicle. Subsequently, a risk score associated with the vehicular security interest and/or the vehicular loan portfolio based on the risk scoring methodology may be generated.
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