Registers – Systems controlled by data bearing records – Banking systems
Reexamination Certificate
2011-06-07
2011-06-07
Le, Thien M (Department: 2887)
Registers
Systems controlled by data bearing records
Banking systems
C235S380000
Reexamination Certificate
active
07954698
ABSTRACT:
A financial scoring system measures, classifies, rates, and forecasts the deposit and withdrawal patterns processed through a direct deposit account (DDA) residing in a bank's central database. The scoring metric generated by the financial scoring system is converted into a monthly mandatory, lifestyle, leisure, and luxury expenditure classifications for each DDA household. These expenditure classifications are converted by the financial scoring system to the rate of expenditure substitution each DDA household will support, the amount of the rate of expenditure substitution that the DDA household is willing to risk, and the rate of expenditure substitution that will require a preference spending decision. The DDA expenditure classifications generated by the financial scoring system are compared to the consumer expenditure survey and consumer price index tables published by U.S. Department of Labor Bureau of Labor Statistics to provide a scoring validation benchmark.
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Kilpatrick Townsend & Stockton LLP
Le Thien M
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