Patent ID: 9311672
Filing Date: 2016-04-12
CPC Classification: G06Q

Claim Text:
1. A method comprising: receiving, at a first node and from a remote source over an internet, transactional data associated with a consumer, wherein the transaction data comprises SKUs in a proposed transaction, wherein the first node comprises a processor configured for credit approval and marketing analytics and a tangible, non-transitory memory, receiving, at the first node and from the remote source over the internet, at least one of: psychographic information related to the consumer or social media postings of the consumer; receiving, at the first node and from the remote source over the internet, a credit approval request associated with the consumer having an existing line of credit, wherein the credit approval request is associated with the proposed transaction, wherein the credit approval request comprises a request to utilize the existing line of credit; retrieving, by the first node, internal data from a private-facing data store, wherein the internal data comprises customer geographic information comprising: wherein the internal data further comprises at least one of: joining, by the first node, the internal data with the transactional data to create joined data; determining, by the first node, a conformance score of the joined data, wherein the conformance score comprises a correlation between the proposed transaction and at least the prior consumer interactions and at least one of the prior transaction data or the prior consumer payment data; at least one of approving or denying the credit approval request in response to the determination; and performing marketing analytics, by the first node, wherein the first node interfaces with photo recognition software, wherein the photo recognition software scans the consumer's social networking photos, conducts a biometric analysis and determines the gender and age of at least one of the consumer's spouse or children; delivering product marketing, by the first node and to the remote source over the internet, in response to the analytics.