The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 04, 2012
Filed:
Sep. 22, 2008
Brian Patrick Butler, Charlotte, NC (US);
Kimberly Robin Nelson, Mooresville, NC (US);
Cecelia Mason Oakley Gray, Lewisville, NC (US);
Brian Patrick Butler, Charlotte, NC (US);
Kimberly Robin Nelson, Mooresville, NC (US);
Cecelia Mason Oakley Gray, Lewisville, NC (US);
Wells Fargo Bank N.A., Charlotte, NC (US);
Abstract
The innovation relates to a system and/or methodology for the convenient and consistent determination of rate exceptions for banking products. The system provides for a rate exception component that determines one or more proposed exception rates based on a customer's score, and information regarding the competitive banking environment for similar banking products. The customer scores and competitive banking environment data are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.