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:
Nov. 13, 2012
Filed:
Nov. 01, 2011
Kathleen Haggerty, Staten Island, NY (US);
Chao M. Yuan, Montclair, NJ (US);
Benedict O. Okoh, New York, NY (US);
Peter L. Williamson, Larchmont, NY (US);
Kathleen Haggerty, Staten Island, NY (US);
Chao M. Yuan, Montclair, NJ (US);
Benedict O. Okoh, New York, NY (US);
Peter L. Williamson, Larchmont, NY (US);
American Express Travel Related Services Company, Inc., New York, NY (US);
Abstract
Share of Wallet ('SOW') is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The outputs can be used as attributes to consider in developing a credit bureau scorecard.