发明名称 |
COMPUTER-IMPLEMENTED METHOD AND SYSTEM FOR DYNAMIC CONSUMER RATING IN A TRANSACTION |
摘要 |
<p>Disclosed is a computer-implemented method (100) of rating a consumer in connection with a transaction initiated by the consumer and requesting credit from a credit issuer (28). The method (100) includes the steps of: providing a merchant-based consumer/transaction data set (16) to a central credit issuer database (20); providing a third party credit history data set (24) to the central credit issuer database (20); providing a credit issuer credit history data set (30) to the central credit issuer database (20); determining a consumer rating index variable (12) based upon a scoring formula (34) utilizing at least one data field from the provided data sets; and presenting the consumer rating index variable (12) to the credit issuer (28). A system (10) and apparatus (50) for rating the consumer in connection with this transaction is also disclosed.</p> |
申请公布号 |
WO2006080914(A1) |
申请公布日期 |
2006.08.03 |
申请号 |
WO2005US02400 |
申请日期 |
2005.01.25 |
申请人 |
I4 COMMERCE INC.;KEITHLEY, THOMAS, H. |
发明人 |
KEITHLEY, THOMAS, H. |
分类号 |
G06Q30/00;(IPC1-7):G06F17/60 |
主分类号 |
G06Q30/00 |
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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