发明名称 |
LOCATION-BASED CREDIT PROVISION SYSTEM |
摘要 |
A method for providing credit to a user includes receiving user data associated with the user and location data associated with a location from a user device of the user over a network. User spending data for the user at the location is then retrieved from a database using the user data and the location data, and the user spending data is used to determine a location-based credit score for the user at the location. In some embodiments, merchant data for the location may also be retrieved to determine whether the location is a trusted merchant location and/or to help determine the location-based credit score. A location-based credit line for the user at the location is created in a database, and a location-based credit offer is sent to the user device over the network that includes an indication of the location-based credit line for the user at the location. |
申请公布号 |
US2014006253(A1) |
申请公布日期 |
2014.01.02 |
申请号 |
US201213538081 |
申请日期 |
2012.06.29 |
申请人 |
NUZZI FRANK ANTHONY;SOWDER JAMES BRETT;EBAY, INC. |
发明人 |
NUZZI FRANK ANTHONY;SOWDER JAMES BRETT |
分类号 |
G06Q40/02 |
主分类号 |
G06Q40/02 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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