发明名称 |
Method for establishing lines of credit |
摘要 |
A method of assigning a credit limits to individual credit applicants. The method utilizes an algorithm to determine the profitability of a credit account and applies the algorithm to a plurality of credit accounts using a chi squared method to group the accounts into segments. An optimization process is performed on each segment to determine a credit limit that yields the maximum profitability of accounts in that segment. Credit applicants are then given the credit limit corresponding to the segment into which they fall. A shadow policy is used to selectively increase a credit applicant's credit limit.
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申请公布号 |
US2006161487(A1) |
申请公布日期 |
2006.07.20 |
申请号 |
US20050112223 |
申请日期 |
2005.04.22 |
申请人 |
HSBC NORTH AMERICA HOLDINGS INC. |
发明人 |
SAXENA PUNEET;WAGHMARE TUSHAR M.;CONNAUGHTON JAMES F. |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
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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