Patent Document ID: 8396789
Application ID: 12651666
Patent Flag: 1

Claim One:
1. A computer-implemented method of determining a credit-approval threshold, the method comprising: providing a credit-approval threshold that corresponds to a predetermined failure to repay rate; receiving data taken across an aggregate of a plurality of consumers, wherein the data comprises: a total spending amount for the aggregate of the plurality of consumers over a period of time; and a total debt amount for the aggregate of the plurality of consumers over a period of time; determining, using a computer processing device, a value of a ratio, wherein the ratio comprises a comparison of a value of a logarithm of the total debt amount over the period of time for the aggregate of the plurality of consumers to a value of a logarithm of the total spending amount over the period of time for the aggregate of the plurality of consumers; determining, using a computer processing device, an equilibrium curve of the ratio that compares the value of the logarithm of the total debt amount over the period of time for the aggregate of the plurality of consumers to the value of the logarithm of the total spending amount over the period of time for the aggregate of the plurality of consumers; calculating, using a computer processing device, a value of a macroeconomic variable, wherein the value of the macroeconomic variable is based on a difference between the value of the ratio and the equilibrium curve of the ratio; and adjusting the credit-approval threshold corresponding to the predetermined failure to repay rate by an amount equal to the value of the macroeconomic variable.