Evaluating customers' ability to manage revolving credit

Details Evaluating customers' ability to manage revolving credit Evaluating customers' ability to manage revolving credit

2009-05-28

2011-12-13

Merchant, Shahid (Department: 3694)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S035000

Reexamination Certificate

active

08078529

ABSTRACT:
Embodiments of the present invention relate to systems, methods and computer program products for evaluating customers' ability to manage revolving credit. To do so, for example, embodiments of the present invention review aggregated transaction data taken from a large number of revolving-credit accounts, and detect credit-usage patterns at an account level. The detected credit-usage patterns are then applied in risk models to evaluate individual customers' ability to manage revolving credit.

REFERENCES:
patent: 2006/0097036 (2006-05-01), Koenigsman et al.
U.S. Appl. No. 12/486,464, filed Jun. 17, 2009.
U.S. Appl. No. 12/705,770, filed Feb. 15, 2010.

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