Patent ID: 8126805
Filing Date: 2012-02-28
Classification: G06Q

Abstract:
1. Method of making an offer for revolving credit products to an applicant, the method comprising the steps of: a. Storing an identifier for each of a plurality of revolving credit products; b. Associating at least one attribute with each of the revolving credit products; c. Receiving an application from an individual applicant; d. Profiling the application to provide an applicant profile, wherein the applicant profile includes data relating to the individual applicant's needs, data relating to anticipated behavior of the individual applicant, and data relating to characteristics of the individual applicant; e. providing a module that allows an issuer to identify an objective of the offer, said objective being an objective selected from the group: account growth, asset growth, risk, profit, account generation, asset generation, credit loss, and profit generation; f. Creating a set of revolving credit products, the set comprising a plurality of revolving credit products that fit within the applicant profile, whereby each of the set of the plurality of revolving credit products relate to the applicant's needs, anticipated behavior, and characteristics; g. Ranking the set of revolving credit products based upon the objective of the offer and the at least one attribute of each revolving credit product in the set; h. Creating a set of top ranking revolving credit products based on the ranking, the set of top ranking revolving credit products being smaller than the set of revolving credit products; and i. Offering to the applicant at least one revolving credit product from the set of the top ranking revolving credit products, wherein said storing, associating, receiving, profiling, selecting, creating, ranking, and offering steps are performed on at least one particular machine, said at least one particular machine comprising at least one physical computing device.