GLOBAL CONDUCT SCORE AND ATTRIBUTE DATA UTILIZATION
First Claim
1. A computer implemented method comprising:
- generating a model using at least one of a global conduct score and attribute data;
retrieving a range of numeric values, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction;
comparing the model and the range of numeric values; and
granting the better term in the transaction where the model falls within the range of numeric values.
1 Assignment
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Accused Products
Abstract
In one embodiment, a system and method is illustrated as including generating a model using at least one of a global conduct score and attribute data. A range of numeric values may be retrieved, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction. A comparison may be made between the model and the range of numeric values. Further, a better term may be granted in the transaction where the model falls within the range of numeric values. The global conduct score is computed using an approach including at least one of a feed score approach, and a composite score approach. The attribute data includes page view data, click through data, account usage data, and good purchased data. The model includes a global conduct score model, a weighting model, an AI based model, and an associated network based model.
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Citations
25 Claims
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1. A computer implemented method comprising:
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generating a model using at least one of a global conduct score and attribute data; retrieving a range of numeric values, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction; comparing the model and the range of numeric values; and granting the better term in the transaction where the model falls within the range of numeric values. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer implemented method comprising:
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receiving and storing an alert parameter from a member of a network; receiving an update from another member of the network, the update including at least one of a global conduct score, and attribute data relating to a transaction; retrieving the alert parameter, and determining whether the alert parameter has been exceeded by at least one of the global conduct score and the attribute data included within the update; and transmitting an alert, where the alert parameter has been exceeded. - View Dependent Claims (10, 11, 12, 13)
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14. A computer system comprising:
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a model generator to generate a model using at least one of a global conduct score and attribute data; a range retriever to retrieve a range of numeric values, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction; a comparison engine to compare the model and the range of numeric values; and a first term grantor to grant the better term in the transaction where the model falls within the range of numeric values. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. An apparatus comprising:
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means for generating a model using at least one of a global conduct score and attribute data; means for retrieving a range of numeric values, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction; means for comparing the model and the range of numeric values; and means for granting the better term in the transaction where the model falls within the range of numeric values.
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25. A machine-readable medium comprising instructions, which when implemented by one or more machines, cause the one or more machines to perform the following operations:
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generating a model using at least one of a global conduct score and attribute data; retrieving a range of numeric values, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction; comparing the model and the range of numeric values; and granting the better term in the transaction where the model falls within the range of numeric values.
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Specification