| 摘要 |
<p>Various embodiments of the present invention are directed to a system, method, and apparatus for offering products and services based, at least in part, on a continually updating analysis of user accounts held by commercial enterprises such as banks, credit card companies, media service providers, insurance companies, and other institutions that maintain user accounts that are subject to periodic transactions. One embodiment is directed to a system comprising a processor and a memory for storing data coupled to the processor, wherein the memory includes a user account comprising user data, user account data, and relationship data. The processor is configured for calculating a risk score based at least in part on the user data, user account data, or relationship data. The processor is further configured for outputting a set of products or services based at least in part on the risk score. In some embodiments, the processor is configured for calculating an account valuation score based at least in part on the user data, user account data, or relationship data. The processor may then price the set of products or services based at least in part on the account valuation score.</p> |
