DETERMINATIONS RELATING TO RESOURCE DISTRIBUTION
First Claim
1. A tangible computer-readable medium having computer-executable instructions that when executed by a processor configure a system to perform:
- categorizing each of a plurality of resource transactions conducted during a first time period for a first user into a category selected from a plurality of categories, the plurality of categories comprising at least;
investment, non-investment expenditure, and income;
further sub-categorizing non-investment expenditure transactions into a sub-category selected from a plurality of sub-categories, wherein at least one sub-category includes debt transactions;
determining at least one ratio of the categorized and sub-categorized resource transactions selected from the group consisting of;
debt-to-income, investment-to-income, expenditure-to-income, and combinations thereof; and
comparing at least one ratio of the resource transactions of the first user with at least one threshold value of the at least one ratio to determine whether to provide a resource to the first user, wherein the calculation of the threshold comprises;
for each of a plurality of individuals, calculating the at least one ratio of the categorized resource transactions that was calculated for the resource transactions of the first user, wherein the ratio is calculated from categorized resource transactions conducted over a second time period using at least the same categories as the resource transactions of the first user; and
determining the threshold for the at least one ratio such that at least a portion of the plurality of individuals have a calculated ratio below the threshold.
1 Assignment
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Accused Products
Abstract
Systems and methods that may determine whether to provide a resource to a consumer are disclosed. Further methods may allow distributing resources on an expedited basis or recheck previous determinations to provide a resource. In certain embodiment, resource transactions may be categorized. Illustrative categories may be organized by: investment, a non-investment expenditure, or income. In one embodiment, transactions categorized as non-investment expenditures may be categorized into subcategories, including necessities, discretionary, or debt. Calculations may be performed upon the categorized (and/or sub-categorized data). For example, one or more of the following ratios may be calculated: debt-to-income, investment-to-income, and expenditure-to-income. Ratios may be compared to one or more threshold values. Determinations of the threshold may consider information regarding other individuals'"'"' or business'"'"' resource transactions.
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Citations
20 Claims
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1. A tangible computer-readable medium having computer-executable instructions that when executed by a processor configure a system to perform:
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categorizing each of a plurality of resource transactions conducted during a first time period for a first user into a category selected from a plurality of categories, the plurality of categories comprising at least;
investment, non-investment expenditure, and income;further sub-categorizing non-investment expenditure transactions into a sub-category selected from a plurality of sub-categories, wherein at least one sub-category includes debt transactions; determining at least one ratio of the categorized and sub-categorized resource transactions selected from the group consisting of;
debt-to-income, investment-to-income, expenditure-to-income, and combinations thereof; andcomparing at least one ratio of the resource transactions of the first user with at least one threshold value of the at least one ratio to determine whether to provide a resource to the first user, wherein the calculation of the threshold comprises; for each of a plurality of individuals, calculating the at least one ratio of the categorized resource transactions that was calculated for the resource transactions of the first user, wherein the ratio is calculated from categorized resource transactions conducted over a second time period using at least the same categories as the resource transactions of the first user; and determining the threshold for the at least one ratio such that at least a portion of the plurality of individuals have a calculated ratio below the threshold. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A tangible computer-readable medium having computer-executable instructions that when executed by a processor configure a system to perform:
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receiving a plurality of categorized electronic resource transactions conducted by a first user during a first time period, the electronic resource transactions being categorized into a plurality of categories comprising at least;
investment, non-investment expenditure, and income categories;sub-categorizing at least a portion of the non-investment expenditure transactions into one of a plurality of subcategories comprising;
necessities, discretionary, and debt;determining at least one ratio of the categorized and sub-categorized electronic resource transactions selected from the group consisting of;
debt-to-income, investment-to-income, expenditure-to-income, and combinations thereof;comparing at least one ratio of the resource transactions of the first user with at least one threshold value of the at least one ratio to determine whether to provide a resource to the first user, wherein the calculation of the threshold comprises; categorizing a plurality of resource transactions conducted by a plurality of individuals during a second time period into one of the same categories as the resource transactions of the first user; for each of a plurality of individuals, calculating the at least one ratio of the categorized resource transactions that was calculated for the resource transactions of the first user; and determining the threshold such that at least a portion of the plurality of individuals have a calculated ratio below the threshold. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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20. A system comprising:
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a transaction categorizer configured to be in operative communication with a communication link to receive information relating to a plurality resource transactions conducted by a first user during a first time period, the transaction categorizer further being configured to categorize the plurality of resource transactions into plurality of categories comprising at least;
an investment, a non-investment expenditure, and income;the transaction categorizer further configured to categorize at least a portion of the non-investment expenditure transactions into one of a plurality of subcategories, at least a portion of the sub-categories being organized by;
necessities, discretionary, and debt;a computer-readable medium comprising computer-executable instructions that when executed by a processor is configured to perform; determining at least one ratio of the categorized and sub-categorized electronic resource transactions selected from the group consisting of;
debt to income, investments to income, expenditure to income, and combinations thereof;comparing at least one ratio of the resource transactions of the first user with at least one threshold value to determine whether to provide a resource to the first user, wherein the calculation of the threshold comprises; categorizing a plurality of resource transactions of a plurality of individuals over a second time period into at least the same categories as the resource transactions of the first user; for each of the plurality of individuals, calculating the at least one ratio of the categorized resource transactions that was calculated for the resource transactions of the first user; and determining the threshold with a threshold determination module such that at least a portion of the plurality of individuals have a calculated ratio below the threshold.
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Specification