Using psychometric analysis for determining credit risk

Abstract

A method of obtaining psychometric information about a user is disclosed. A psychometric graphical object is provided to the user by a personalized user management module. User interaction with the psychometric graphical object is measured by a psychological traits evaluation module. At least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait. At least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.

What is claimed is: 
     
         1 . A method of obtaining psychometric information about a user, comprising:
 providing a psychometric graphical object to the user by a personalized user management module; and   measuring user interaction with the psychometric graphical object by a psychological traits evaluation module; and   wherein at least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait, and wherein at least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.   
     
     
         2 . The method of  claim 1 , wherein the first keyword and the second keyword each describes the psychological trait, and wherein the first keyword and the second keyword are dissimilar to each other. 
     
     
         3 . The method of  claim 1 , wherein the psychological trait comprises a personality trait. 
     
     
         4 . The method of  claim 3 , wherein the personality trait comprises a Big Five personality trait. 
     
     
         5 . The method of  claim 1 , wherein the psychometric graphical object further includes a feature between the first wider portion and the second wider portion that facilitates visualization of a portion that is between the first wider portion and the second wider portion. 
     
     
         6 . The method of  claim 5 , wherein the feature comprises a shading that is different from a shading of the first wider portion and a shading of the second wider portion. 
     
     
         7 . The method of  claim 1 , wherein the psychometric graphical object further includes a narrower portion that is between the first wider portion and the second wider portion. 
     
     
         8 . The method of  claim 1 , wherein the psychometric graphical object comprises a hourglass shape, and wherein the first wider portion of the psychometric graphical object comprises a first base of the hourglass shape, and wherein the second wider portion of the psychometric graphical object comprises a second base of the hourglass shape. 
     
     
         9 . The method of  claim 1 , wherein the psychometric graphical object comprises a shape that is symmetrical along the x-axis and the y-axis. 
     
     
         10 . The method of  claim 1 , wherein measuring user interaction with the psychometric graphical objects comprises measuring a position of where the user clicks on the psychometric graphical object. 
     
     
         11 . The method of  claim 10 , wherein measuring the position comprises measuring at a pixel level. 
     
     
         12 . A system for obtaining psychometric information about a user, comprising:
 a personalized user management module configured to provide a psychometric graphical object to the user; and   a psychological traits evaluation module configured to measure user interaction with the psychometric graphical object; and   wherein at least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait, and wherein at least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.   
     
     
         13 . The system of  claim 12 , wherein the first keyword and the second keyword each describes the psychological trait, and wherein the first keyword and the second keyword are dissimilar to each other. 
     
     
         14 . The system of  claim 12 , wherein the psychological trait comprises a personality trait. 
     
     
         15 . The system of  claim 14 , wherein the personality trait comprises a Big Five personality trait. 
     
     
         16 . The system of  claim 12 , wherein the psychometric graphical object further includes a feature between the first wider portion and the second wider portion that facilitates visualization of a portion that is between the first wider portion and the second wider portion. 
     
     
         17 . The system of  claim 16 , wherein the feature comprises a shading that is different from a shading of the first wider portion and a shading of the second wider portion. 
     
     
         18 . The system of  claim 12 , wherein the psychometric graphical object further includes a narrower portion that is between the first wider portion and the second wider portion. 
     
     
         19 . The system of  claim 12 , wherein the psychometric graphical object comprises a hourglass shape, and wherein the first wider portion of the psychometric graphical object comprises a first base of the hourglass shape, and wherein the second wider portion of the psychometric graphical object comprises a second base of the hourglass shape. 
     
     
         20 . The system of  claim 12 , wherein the psychometric graphical object comprises a shape that is symmetrical along the x-axis and the y-axis. 
     
     
         21 . The system of  claim 12 , wherein measuring user interaction with the psychometric graphical objects comprises measuring a position of where the user clicks on the psychometric graphical object. 
     
     
         22 . The system of  claim 21 , wherein measuring the position comprises measuring at a pixel level. 
     
     
         23 . A computer program product for obtaining psychometric information about a user, the computer program product being embodied in a non-transitory computer readable storage medium and comprising computer instructions for:
 providing a psychometric graphical object to the user by a personalized user management module; and   measuring user interaction with the psychometric graphical object by a psychological traits evaluation module; and   wherein at least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait, and wherein at least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.