| 发明名称 |
SYSTEM FOR AND METHOD FOR DETERMINING OVERDRAFT PROTECTION |
| 摘要 |
A system and method in accordance with example embodiments may calculate a velocity of money associated with a particular account and a particular customer. Additionally, a system and method in accordance with example embodiments may calculate an overdraft risk score based on the velocity of money, where the overdraft risk score may be used to determine an overdraft protection limit for an account. |
| 申请公布号 |
US2014304131(A1) |
申请公布日期 |
2014.10.09 |
| 申请号 |
US201414217813 |
申请日期 |
2014.03.18 |
| 申请人 |
Capital One Financial Corporation |
发明人 |
GANGOPADHYAY Gora;STANMEYER Thomas;PEANI Caroline K.;ZHANG Jing;RYDZY Michael F.;MU Chun-Hao;GOUKER Chris;CHOPRA Karan;GRADNEY Christopher M.;MILLER Dennis E.;BANHOLZER Thomas J.;SCHENKEIN Scott J.;WINKS Pamela W.;BURT Frann E.;MATTHEW George;LI Liang |
| 分类号 |
G06Q40/02 |
主分类号 |
G06Q40/02 |
| 代理机构 |
|
代理人 |
|
| 主权项 |
1. A system comprising:
a receiver that receives, via a network, financial account data and customer data associated with a customer; a first database that stores the financial account data and the customer data; a velocity of money processor that calculates a velocity of money score for the customer using the account data and customer data; a risk processor that calculates an overdraft risk for the customer based on the account data, the customer data, and the velocity of money score; an account module that associates an overdraft protection limit based on the overdraft risk with an account of the customer; and a second database that stores the overdraft protection limit. |
| 地址 |
McLean VA US |
