Invention Grant
- Patent Title: Systems and methods of ranking a plurality of credit card offers
- Patent Title (中): 排列多个信用卡提供的系统和方法
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Application No.: US11848138Application Date: 2007-08-30
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Publication No.: US08799148B2Publication Date: 2014-08-05
- Inventor: Rohan K. K. Chandran
- Applicant: Rohan K. K. Chandran
- Agency: Knobbe, Martens, Olson & Bear, LLP
- Main IPC: G06Q40/00
- IPC: G06Q40/00

Abstract:
Prescreened credit card offers, such as offers for credit cards that a particular potential borrower is likely to be granted upon completion of a full application, are ranked based on expected values of respective prescreened offers. The expected value of a prescreened credit card offer may represent an expected monetary value to one or more referrers involved in providing the prescreened offer to the borrower. Thus, the referrer may present a highest ranked credit card offer to a potential borrower first in order to increase the likelihood that borrower applies for the credit card offer with the highest expected value to the referrer. Depending on the embodiment, the expected value of a credit card offer may be based on a combination of a bounty associated with the offer, a click-through-rate for the offer, and/or a conversion rate for the offer, for example.
Public/Granted literature
- US20080059352A1 SYSTEMS AND METHODS OF RANKING A PLURALITY OF CREDIT CARD OFFERS Public/Granted day:2008-03-06
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