| 主权项 |
1. A system comprising:
a core server for administration of one or more electronic credit accounts; a plurality of payment devices for payment and receipt of notifications in relation to the one or more electronic credit accounts; a credit product engine comprising at least one processor, a memory coupled to the credit product engine for storing data, an application program stored in the memory and accessible by the at least one processor for directing processing of the data by the at least one processor, and a credit product database for maintaining a plurality of credit product data records, wherein each credit product data record includes a dynamic index comprising attribute values and associated data values representing product features for the one or more electronic credit accounts, the credit product engine is in communication with the core server over a network, and the at least one processor is configured to:
determine one or more current profile values and one or more target values for each electronic credit account;in response to the determining step, activate one or more current data values representing one or more current product features associated with the one or more attribute values in the dynamic index corresponding with the one or more current profile values;monitor activity on the electronic credit accounts by the payment devices wherein the monitoring comprises receiving one or more credit data records over the network; andin response to the monitoring, dynamically adjust the dynamic index to urge utilization of the electronic credit accounts by the payment devices towards the target values. |
