WO2008134431A3 - Calculating credit worthiness using transactional data - Google Patents

Calculating credit worthiness using transactional data Download PDF

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Publication number
WO2008134431A3
WO2008134431A3 PCT/US2008/061425 US2008061425W WO2008134431A3 WO 2008134431 A3 WO2008134431 A3 WO 2008134431A3 US 2008061425 W US2008061425 W US 2008061425W WO 2008134431 A3 WO2008134431 A3 WO 2008134431A3
Authority
WO
WIPO (PCT)
Prior art keywords
transactional data
credit worthiness
calculating credit
financial
transactional
Prior art date
Application number
PCT/US2008/061425
Other languages
French (fr)
Other versions
WO2008134431A2 (en
Inventor
Debashis Ghosh
William A Nobili
Arun R Pinto
Kurt D Newman
David N Joffe
Sudeshna Banerjee
Original Assignee
Bank Of America
Debashis Ghosh
William A Nobili
Arun R Pinto
Kurt D Newman
David N Joffe
Sudeshna Banerjee
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bank Of America, Debashis Ghosh, William A Nobili, Arun R Pinto, Kurt D Newman, David N Joffe, Sudeshna Banerjee filed Critical Bank Of America
Priority to NZ580698A priority Critical patent/NZ580698A/en
Priority to EP08746786A priority patent/EP2140422A4/en
Priority to CN200880022066A priority patent/CN101689276A/en
Publication of WO2008134431A2 publication Critical patent/WO2008134431A2/en
Publication of WO2008134431A3 publication Critical patent/WO2008134431A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

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.
PCT/US2008/061425 2007-04-25 2008-04-24 Calculating credit worthiness using transactional data WO2008134431A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
NZ580698A NZ580698A (en) 2007-04-25 2008-04-24 Calculating credit worthiness using transactional data
EP08746786A EP2140422A4 (en) 2007-04-25 2008-04-24 Calculating credit worthiness using transactional data
CN200880022066A CN101689276A (en) 2007-04-25 2008-04-24 Use transaction data to calculate standing

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/740,130 2007-04-25
US11/740,130 US7734539B2 (en) 2007-04-25 2007-04-25 Calculating credit worthiness using transactional data

Publications (2)

Publication Number Publication Date
WO2008134431A2 WO2008134431A2 (en) 2008-11-06
WO2008134431A3 true WO2008134431A3 (en) 2009-03-12

Family

ID=39888154

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/061425 WO2008134431A2 (en) 2007-04-25 2008-04-24 Calculating credit worthiness using transactional data

Country Status (5)

Country Link
US (3) US7734539B2 (en)
EP (1) EP2140422A4 (en)
CN (1) CN101689276A (en)
NZ (1) NZ580698A (en)
WO (1) WO2008134431A2 (en)

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Also Published As

Publication number Publication date
US20120197782A1 (en) 2012-08-02
US20100094750A1 (en) 2010-04-15
EP2140422A4 (en) 2012-03-14
WO2008134431A2 (en) 2008-11-06
EP2140422A2 (en) 2010-01-06
US8190515B2 (en) 2012-05-29
NZ580698A (en) 2012-09-28
US20080270292A1 (en) 2008-10-30
US8447689B2 (en) 2013-05-21
US7734539B2 (en) 2010-06-08
CN101689276A (en) 2010-03-31

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