Patent ID: 7792743
Filing Date: 2010-09-07
Classification: G06Q

Abstract:
1. A computer-implemented method of managing risk, comprising: electronically serving, on a computer, a first stream of advertisements, wherein an advertiser is billed for the first stream of advertisements under a billing experience; electronically determining, on a computer, that an account balance associated with the first stream of advertisements has reached a corresponding credit line; electronically evaluating, on a computer, a credit risk associated with the advertiser based on the account balance reaching the credit line and at least one of: a past billing history, a method of payment associated with the advertiser, or a demand by the advertiser for advertisements; electronically modifying, on a computer, the billing experience based on the evaluated credit risk, comprising: electronically modifying, on a computer, the first stream of advertisements based on the evaluated credit risk to result in a content of a second stream of advertisements; and electronically serving, on a computer, the second stream of advertisements instead of the first stream of advertisements, wherein the advertiser is billed for the second stream of advertisements under the modified billing experience.