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:
Nov. 05, 2013
Filed:
Mar. 23, 2007
Denis Malov, Scottsdale, AZ (US);
Wei Sun, Scottsdale, AZ (US);
Gustavo Ayres DE Castro, Scottsdale, AZ (US);
Denis Malov, Scottsdale, AZ (US);
Wei Sun, Scottsdale, AZ (US);
Gustavo Ayres de Castro, Scottsdale, AZ (US);
SAP AG, Walldorf, DE;
Abstract
A computing system () receives transaction records () for loans taken at various interest rates () for a loan segment (). Performance indicators () indicative of customer behaviors () are computed () using independent demand models (, and). Computing system () includes a performance indicator forecaster () that determines relationships between the performance indicators () and various prices, or interest rates (). These relationships can include profit () and/or volume () relative to the various interest rates (). The relationships are utilized to select an interest rate () for the product segment () for implementation by a financial institution.