发明授权
US08190511B2 Systems, methods and computer program products for offering consumer loans having customized terms for each customer
有权
系统，方法和计算机程序产品，为每个客户提供具有自定义条款的消费者贷款
- 专利标题： Systems, methods and computer program products for offering consumer loans having customized terms for each customer
- 专利标题（中）： 系统，方法和计算机程序产品，为每个客户提供具有自定义条款的消费者贷款
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申请号： US09972785申请日： 2001-10-05
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公开(公告)号： US08190511B2公开(公告)日： 2012-05-29
- 发明人: Brian Ericksen
- 申请人： Brian Ericksen
- 申请人地址： US NY New York
- 专利权人： American Express Travel Related Services Company, Inc.
- 当前专利权人： American Express Travel Related Services Company, Inc.
- 当前专利权人地址： US NY New York
- 代理机构： Snell & Wilmer L.L.P.
- 主分类号： G06Q40/00
- IPC分类号： G06Q40/00
摘要：
Systems, methods and computer program products take into account the amount, term, and type of consumer loan, as well as data relating to a customer's credit score, debt burden, and collateral, if any. The invention then calculates an expected probability of default for a loan to that customer, and calculate loan terms that will deliver a minimum return on equity (e.g., 18%) given the lender's capital structure and funding rates. These loan terms are then offered to the customer. The customized loan terms include annual percentage rate of the loan, or a yearly fee or loan amount.
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