(12) International Application Status Report

Received at International Bureau: 16 July 2017 (16.07.2017)

Information valid as of: 11 December 2018 (11.12.2018)

Report generated on: 18 July 2019 (18.07.2019)

(10) Publication number: (43) Publication date: (26) Publication language:
WO 2019/00991510 January 2019 (10.01.2019) English (EN)

(21) Application number: (22) Filing date: (25) Filing language:
PCT/US2017/04105207 July 2017 (07.07.2017) English (EN)


(51) International Patent Classification:
G06Q 40/00 (2012.01)

(71) Applicant(s):
VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; P.O. Box 8999 San Francisco, California 94128 (US) (for all designated states)

(72) Inventor(s):
MATHEW, Sachin Cherian; #3-24, 14 Ang Mo Kio Central 3 Singapore 567747 (SG)
ZHU, Minhui; #07-08, 133 Serangoon Avenue 3 Singapore 556113 (SG)
ONDAP, Kathrina Rose Denila; #03-03 49 St Patricks Road Singapore 424167 (SG)
KHIEW, Shi Kai; Blk 133 Ang Mo Kio Ave 3 #03-1643 Singapore 560133 (SG)
ANTIOLA, Alexis Kristoffer Soriao; 91 Pasir Ris Grove #05-27 Singapore 518190 (SG)
KEDIA, Robin; BLK 779 Pasir Ris Street 71, #14-566 Singapore 510779 (SG)
DOW, Melanie; One 15 Marina Club, 11 Cove Drive Singapore 098497 (SG)

(74) Agent(s):
PREPELKA, Nathan, J.; The Webb Law Firm One Gateway Center 420 Ft. Duquesne Blvd., Suite 1200 Pittsburgh, Pennsylvania 15222 (US)

(54) Title (EN): METHOD AND SYSTEM FOR DETERMINING A SUPPLEMENTAL CREDIT METRIC
(54) Title (FR): PROCÉDÉ ET SYSTÈME DE DÉTERMINATION D'UN INDICATEUR DE CRÉDIT COMPLÉMENTAIRE

(57) Abstract:
(EN): A method of determining a supplemental credit metric based on transaction data of a user including: receiving user transaction data including transaction parameters; determining a supplemental credit metric of the user based on the transaction parameters; receiving a request message; determining information identifying the user based on the request message; determining information corresponding to the supplemental credit metric of the user; and communicating the information corresponding to the supplemental credit metric of the user to a computing device. A system of determining a supplemental credit metric based on transaction data of a user is also disclosed.
(FR): La présente invention concerne un procédé permettant de déterminer un indicateur de crédit complémentaire sur la base de données de transaction d'un utilisateur, consistant : à recevoir des données de transaction d'utilisateur comprenant des paramètres de transaction ; à déterminer un indicateur de crédit complémentaire de l'utilisateur sur la base des paramètres de transaction ; à recevoir un message de demande ; à déterminer des informations identifiant l'utilisateur sur la base du message de demande ; à déterminer des informations correspondant à l'indicateur de crédit complémentaire de l'utilisateur ; et à communiquer les informations correspondant à l'indicateur de crédit complémentaire de l'utilisateur à un dispositif informatique. L'invention concerne également un système permettant de déterminer un indicateur de crédit complémentaire sur la base de données de transaction d'un utilisateur.

International search report:
Received at International Bureau: 06 October 2017 (06.10.2017) [US]

International Report on Patentability (IPRP) Chapter II of the PCT:
Not available

(81) Designated States:
AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
European Patent Office (EPO) : AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR
African Intellectual Property Organization (OAPI) : BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG
African Regional Intellectual Property Organization (ARIPO) : BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW
Eurasian Patent Organization (EAPO) : AM, AZ, BY, KG, KZ, RU, TJ, TM