NCR Corporation
Extracting behaviors and suggesting behaviors to achieve a desired credit score

Abstract:

System and methods for extracting behaviors and suggesting behaviors to achieve a desired credit score may include receiving, via a network, account data including information regarding currency outlays made by a first sample population; generating, by a computing device, a plurality of behavior patterns based on currency outlay patterns extracted from the account data; receiving, by the computing device, credit score data for the first sample population; formulating, by the computing device, a model for predicting a credit score change; and storing the model on a data storage device. The model may include variables corresponding to each of the plurality of behavior patterns and a likely credit score affect.