Calculating credit worthiness using transactional data
US7734539B2 · kind B2 · utility
47Cited by
2References
19Claims
0Family size
Assignee
Inventors
Key dates
| Filing date | Apr 25, 2007 |
| Grant date | Jun 8, 2010 |
| Priority date | — |
| Expiry date | Apr 25, 2027 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
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.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.