Invention Grant
- Patent Title: Calculating credit worthiness using transactional data
- Patent Title (中): 使用交易数据计算信用额度
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Application No.: US13441309Application Date: 2012-04-06
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Publication No.: US08447689B2Publication Date: 2013-05-21
- Inventor: Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
- Applicant: Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
- Applicant Address: US NC Charlotte
- Assignee: Bank of America Corporation
- Current Assignee: Bank of America Corporation
- Current Assignee Address: US NC Charlotte
- Agency: Banner & Witcoff, Ltd.
- Agent Michael A. Springs
- Main IPC: G06Q40/00
- IPC: G06Q40/00
Abstract:
Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
Public/Granted literature
- US20120197782A1 CALCULATING CREDIT WORTHINESS USING TRANSACTIONAL DATA Public/Granted day:2012-08-02
Information query
