CALCULATING CREDIT WORTHINESS USING TRANSACTIONAL DATA

CALCULATING CREDIT WORTHINESS USING TRANSACTIONAL DATA

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 fi...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: PINTO, ARUN, R, NEWMAN, KURT, D, BANERJEE, SUDESHNA, GHOSH, DEBASHIS, NOBILI, WILLIAM, A, JOFFE, DAVID, N
Format: Patent
Sprache:eng ; fre
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung: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. Des aspects de la présente invention concernent l'utilisation de données de transaction pour déterminer des offres de crédit et de produit. D'autres aspects de l'invention fournissent la génération d'états et d'indices financiers en utilisant des données de transaction en vue d'une utilisation par des utilisateurs et/ou des institutions financières. Les états et indices financiers basés sur des transactions peuvent être utilisés pour des décisions de planification financière et de tarification.