TRUE FOR CREDIT LINE OPTIMIZATION

MATHEMATICAL COMPUTER SOFTWARE THAT MAXIMIZES RISK-ADJUSTED PROFITABILITY BY CONFIGURING AND ALLOCATING INDIVIDUAL CONSUMER CREDIT PRODUCTS, NAMELY AMOUNT, APR, AND TERM, BASED ON AN ORGANIZATION'S OVERALL LENDING PORFOLIO OBJECTIVES, ACCEPTABLE RISK TOLERANCES AND OTHER BUSINESS CONSTRAINTS, AND EFFECTS OTHER USER-DEFINED BUSINESS GOALS RELATED TO PRICE AND REVENUE, NAMELY ACCOUNT ORIGINATION, ACCOUNT MANAGEMENT, CROSS-SELLING AND CUSTOMER RETENTION, BY ASSIGNING THE OPTIMAL CREDIT LINE AMOUNT OR LINE ADJUSTMENT