Invention Grant
- Patent Title: Methods and systems for offering financial products
-
Application No.: US15724617Application Date: 2017-10-04
-
Publication No.: US10699307B2Publication Date: 2020-06-30
- Inventor: Felix B. Kwizera , Eric Mibuari , Violette Ogega , Skyler Speakman , Isaac W. Wambugu
- Applicant: International Business Machines Corporation
- Applicant Address: US NY Armonk
- Assignee: International Business Machines Corporation
- Current Assignee: International Business Machines Corporation
- Current Assignee Address: US NY Armonk
- Agency: Ryan, Mason & Lewis, LLP
- Agent Eyal Gilboa
- Main IPC: G06Q30/00
- IPC: G06Q30/00 ; G06Q30/02 ; G06Q40/02 ; G06Q10/06

Abstract:
The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.
Public/Granted literature
- US20190102799A1 METHODS AND SYSTEMS FOR OFFERING FINANCIAL PRODUCTS Public/Granted day:2019-04-04
Information query