公开(公告)号：US20130275292A1

公开(公告)日：2013-10-17

申请号：US13449132

申请日：2012-04-17

申请人： Michael Cappucci ,  Alexander Cook ,  Sona Grover ,  Manish Gupta ,  Li Huang ,  Jean Paul Diegane Ndong ,  Charles Chen Song ,  Xiaodong Sun

发明人： Michael Cappucci ,  Alexander Cook ,  Sona Grover ,  Manish Gupta ,  Li Huang ,  Jean Paul Diegane Ndong ,  Charles Chen Song ,  Xiaodong Sun

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q30/0283

摘要： A method is provided comprising receiving tradeline data associated with a consumer related to a tradeline, determining payment terms of the tradeline by selecting the greatest of a minimum potential payment amount, a fixed percentage potential payment amount, and a fixed percentage plus finance charge potential payment amount, and calculating (in response to selection of the fixed percentage plus finance charge potential payment amount) an APR of the tradeline.

摘要翻译： 提供了一种方法，包括接收与与交易行相关的消费者相关联的交易数据，通过选择最小潜在支付金额，固定百分比潜在支付金额和固定百分比加上财务费用潜在支付来确定交易行的支付条件 金额和计算（作为对固定百分比加上财务费用潜在支付金额的选择的回应）行业的APR。