USING PSYCHOMETRIC ANALYSIS FOR DETERMINING CREDIT RISK
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.
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.