发明授权
- 专利标题： Calculating credit worthiness using transactional data
- 专利标题（中）： 使用交易数据计算信用额度
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申请号： US12645277申请日： 2009-12-22
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公开(公告)号： US08190515B2公开(公告)日： 2012-05-29
- 发明人: Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
- 申请人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
- 申请人地址： US NC Charlotte
- 专利权人： Bank of America Corporation
- 当前专利权人： Bank of America Corporation
- 当前专利权人地址： US NC Charlotte
- 代理机构： Banner & Witcoff, Ltd.
- 代理商 Michael A. Springs
- 主分类号： G06Q40/00
- IPC分类号： G06Q40/00
摘要：
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.
公开/授权文献
- US20100094750A1 CALCULATING CREDIT WORTHINESS USING TRANSACTIONAL DATA 公开/授权日：2010-04-15
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