发明名称 |
Determinations relating to resource distribution |
摘要 |
Systems and methods that may determine whether to provide a resource to a consumer are disclosed. Further methods may allow distributing resources on an expedited basis or recheck previous determinations to provide a resource. In certain embodiment, resource transactions may be categorized. Illustrative categories may be organized by: investment, a non-investment expenditure, or income. In one embodiment, transactions categorized as non-investment expenditures may be categorized into subcategories, including necessities, discretionary, or debt. Calculations may be performed upon the categorized (and/or subcategorized data). For example, one or more of the following ratios may be calculated: debt-to-income, investment-to-income, and expenditure-to-income. Ratios may be compared to one or more threshold values. Determinations of the threshold may consider information regarding other individuals' or business' resource transactions.
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申请公布号 |
EP2388751(A1) |
申请公布日期 |
2011.11.23 |
申请号 |
EP20110167182 |
申请日期 |
2011.05.23 |
申请人 |
BANK OF AMERICA CORPORATION |
发明人 |
GHOSH, DEBASHIS;SHAO, YANGHONG;ALLISON, THAYER S., JR.;NEWMAN, KURT D.;JOA, DAVID;HALSTED, MARC DOUGLAS |
分类号 |
G06Q40/00;G06Q40/02;G06Q40/04;G06Q40/06 |
主分类号 |
G06Q40/00 |
代理机构 |
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主权项 |
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地址 |
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