The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 29, 2003
Filed:
Jun. 19, 2000
Shiping Liu, Castro Valley, CA (US);
Edgar Leroy Murphy, Southlake, TX (US);
David Wayne Nanek, Stormville, NY (US);
Michael Rothman, Hopewell Junction, NY (US);
International Business Machines Corporation, Armonk, NY (US);
Abstract
Initially, customer time series credit files are acquired. The credit files are organized in a data mart environment for supporting a query system. Time series utilization attributes are created and a neural network time series segmentation process is applied and N×N dimension segments are generated for analysis. The chart may be modified to more accurately depict profitable credit revolvers. Credit data from each potential new customer is processed in a similar fashion by the neural network segmentation process. Profitable credit revolvers are identified by having credit utilization patterns belonging to profitable segments previously identified.