computer software for use in the financial services industry, namely, computer programs for use by large financial institutions to concurrently manage a high volume of payment card and consumer and mortgage loan applications in an automated client/server computer environment, in order to predict the behavior of payment card and loan consumers, to implement and process customized decisions concerning application acceptance, credit risk, fraud risk and pricing, and to gather and analyze data and generate reports on new accounts; and user manuals supplied therewith

'accept':60 'account':78 'analyz':71 'applic':33,59 'autom':36 'behavior':45 'card':27,48 'client/server':37 'comput':1,11,38 'concern':58 'concurr':20 'consum':29,51 'credit':61 'custom':56 'data':72 'decis':57 'environ':39 'financi':7,17 'fraud':63 'gather':69 'generat':74 'high':23 'implement':53 'industri':9 'institut':18 'larg':16 'loan':32,50 'manag':21 'manual':81 'mortgag':31 'name':10 'new':77 'order':41 'payment':26,47 'predict':43 'price':66 'process':55 'program':12 'report':75 'risk':62,64 'servic':8 'softwar':2 'suppli':82 'therewith':83 'use':4,14 'user':80 'volum':24

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