SYSTEM AND METHOD FOR PROVIDING BEHAVIOR-BASED CREDIT AVAILABILITY
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United States of America Patent
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Issued Date -
Jan 19, 2017
app pub date -
Aug 12, 2010
filing date -
Aug 12, 2010
priority date (Note) -
Abandoned
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Abstract
A system and method for providing behavior-based credit availability is presented. The described systems and methods may allow for a financial institution to raise a customer's credit line access beyond an initial amount without re-checking a customer's ability to pay. To this end, a customer may be pre-qualified for a credit limit up to a certain amount, but be granted line access to only a portion of that amount. If pre-established behavioral requirements are met, the customer may then receive line access to more of the pre-qualified line of credit, up to the full amount of the pre-qualified credit limit.
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