公开(公告)号：US20090313163A1

公开(公告)日：2009-12-17

申请号：US11011651

申请日：2004-12-14

申请人： Ming-huan Wang ,  Feng Zhao

发明人： Ming-huan Wang ,  Feng Zhao

IPC分类号： G06Q40/00 ,  G06N5/02

CPC分类号： G06Q40/00 ,  G06Q40/025

摘要： In a system for assigning a credit line to a credit card application, the system receives a plurality of credit card applications each having applicant information. For each application, the system retrieves credit bureau information. The applicant information and the credit bureau information are used to model the likely behavior of the corresponding applicant. The applications are clustered into one or more clusters according to the modeled behavior. For each cluster of applications, financial measures are forecasted and analyzed to determine the optimal credit line to assign to the cluster.

摘要翻译： 在用于向信用卡应用分配信用额度的系统中，系统接收多个具有申请者信息的信用卡申请。 对于每个应用程序，系统检索信用局信息。 申请人信息和信用局信息用于模拟相应申请人的可能行为。 应用程序根据建模行为聚类成一个或多个集群。 对于每个应用程序集群，对财务措施进行预测和分析，以确定分配给集群的最佳信用额度。