Patent №
US 8,600,869
Granted
2013-12-03
Filed 1999
Owner
CAPITAL ONE FINANCIAL CORPORATION
+1 more
Lab
—
AI components
2
kr · planning
Assignment
Recorded
Dataset
AIPD
2023_r1 edition
Application
09386160
A system assigns a credit limit to an account for a credit card of a card holder based on whether the card holder poses an acceptable risk. The system activates an account for the credit card, assigns an initial credit limit well below a tolerance level to the account, develops credit history data based on account activity during predetermined short intervals of time, evaluates the credit history data after each of the predetermined short time intervals, and determines whether to increase the credit limit of the account based on the evaluated credit history.
AI classification
Ownership
CAPITAL ONE FINANCIAL CORPORATION
assignment · 103940733
CAPITAL ONE SERVICES, LLC
assignment · 447230979
Assignors
ROTMAN, FRANK
On an employer assignment, the assignors are typically the inventors.