Systems and methods to select a credit migration path for a consumer
US8463698B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 27, 2007 |
| Grant date | Jun 11, 2013 |
| Priority date | — |
| Expiry date | May 19, 2030 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/02
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
According to some embodiments, supplemental information about a consumer is determined, the consumer being associated with a first level of credit availability. One of a plurality of potential credit migration paths may then be selected for the consumer based on the supplemental information. Each potential credit migration path may, for example, begin at the first level of credit availability, include a plurality of intermediate credit products, and end at a level of credit availability higher than the first level. An offer for an intermediate credit product may then be transmitted to the consumer based on the selected credit migration path.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.