SYSTEMS AND METHODS OF RANKING A PLURALITY OF CREDIT CARD OFFERS

Patent №

US 8,799,148

Granted

2014-08-05

Filed 2007

Owner

EXPERIAN INTERACTIVE INNOVATION CENTER, LLC

+1 more

Lab

AI components

1

kr

Assignment

Recorded

Dataset

AIPD

2023_r1 edition

Application

11848138

Prescreened credit card offers, such as offers for credit cards that a particular potential borrower is likely to be granted upon completion of a full application, are ranked based on expected values of respective prescreened offers. The expected value of a prescreened credit card offer may represent an expected monetary value to one or more referrers involved in providing the prescreened offer to the borrower. Thus, the referrer may present a highest ranked credit card offer to a potential borrower first in order to increase the likelihood that borrower applies for the credit card offer with the highest expected value to the referrer. Depending on the embodiment, the expected value of a credit card offer may be based on a combination of a bounty associated with the offer, a click-through-rate for the offer, and/or a conversion rate for the offer, for example.

Knowledge representationG06Q 40/03G06Q 10/10G06Q 20/354G06Q 30/0246G06Q 40/00G06Q 40/02

AI classification

Knowledge representation1.00
Evolutionary computation0.42
Planning0.02
Machine learning0.01
Vision0.00
Speech0.00
Natural language0.00
AI hardware0.00

Ownership

EXPERIAN INTERACTIVE INNOVATION CENTER, LLC

assignment · 201080643

METAREWARD, INC.

merger · 431490670

Assignors

CHANDRAN, ROHAN K.K.

On an employer assignment, the assignors are typically the inventors.

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