公开(公告)号：US20110295768A1

公开(公告)日：2011-12-01

申请号：US13209035

申请日：2011-08-12

Applicant: Kathleen Haggerty ,  Charles Christopher Lyon ,  Benedict O. Okoh ,  Robert E. Phelan ,  Jon Kevin Ruterman ,  Geraldine A. Turner ,  Chao M. Yuan ,  Arnab Biswas

Inventor： Kathleen Haggerty ,  Charles Christopher Lyon ,  Benedict O. Okoh ,  Robert E. Phelan ,  Jon Kevin Ruterman ,  Geraldine A. Turner ,  Chao M. Yuan ,  Arnab Biswas

IPC: G06Q40/00

CPC classification number: G06Q30/0201 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/06 ,  G06Q40/08

Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Private equity firms and other investors of small businesses can use the CSoW/CSoSW modeling approach to more accurately evaluate small and privately held companies, both during investment and for evaluating prospective investments. Over-the-counter securities trading systems can also use this modeling approach to provide more accurate information and/or rankings of listed companies to their customers.

Abstract translation: 消费钱包（“CSoSW”）的商业规模是包括现金在内的业务的总体业务支出，但不包括有条件的项目。 钱包的商业份额（“CSoW”）是由特定金融公司捕获的消费钱包的部分。 建模方法利用各种数据源来提供描述公司支出能力的输出。 私募股权公司和小企业的其他投资者可以使用CSoW / CSoSW建模方法，在投资和评估潜在投资期间更准确地评估小型和私营公司。 非处方证券交易系统也可以使用此建模方法向其客户提供更准确的上市公司信息和/或排名。

公开(公告)号：US07991666B2

公开(公告)日：2011-08-02

申请号：US12368799

申请日：2009-02-10

Applicant: Kathleen B. Haggerty ,  Chao M. Yuan

Inventor： Kathleen B. Haggerty ,  Chao M. Yuan

IPC: G06Q40/00 ,  G06F17/30 ,  G07G17/00

CPC classification number: G06Q40/00 ,  G06Q20/10 ,  G06Q30/0201 ,  G06Q30/0211 ,  G06Q30/0224 ,  G06Q40/025

Abstract: Time series consumer spending data, point-in-time balance information, internal customer financial data and consumer panel information provides input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability may be reliably identified and utilized to promote additional consumer spending.

Abstract translation: 时间序列消费者支出数据，时间平衡信息，内部客户财务数据和消费者面板信息为塑料工具或其他金融账户上的消费者支出行为模型提供了投入，可以可靠地识别消费能力的近似值， 用于促进额外的消费支出。

公开(公告)号：US20110112950A1

公开(公告)日：2011-05-12

申请号：US12984801

申请日：2011-01-05

Applicant: Kathleen Haggerty ,  Chao M. Yuan ,  Benedict O. Okoh ,  Peter L. Williamson

Inventor： Kathleen Haggerty ,  Chao M. Yuan ,  Benedict O. Okoh ,  Peter L. Williamson

IPC: G06Q40/00

CPC classification number: G06Q30/0204 ,  G06Q10/067 ,  G06Q30/0202 ,  G06Q30/0269 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/12

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. A SOW score focusing on a consumer's spending capability can be used in the same manner as a credit bureau score.

Abstract translation: 电子钱包的份额（“SOW”）是一种建模方法，利用各种数据源提供描述消费者支出能力，交易历史，包括余额转移和余额信息的产出。 这些输出可以附加到客户和潜在客户的数据配置文件中，并可用于支持整个生命周期中涉及探矿，新的申请人评估和客户管理的决策。 以消费者支出能力为重点的SOW评分可以与信用局评分相同。

公开(公告)号：US07912770B2

公开(公告)日：2011-03-22

申请号：US11169588

申请日：2005-06-30

Applicant: Kathleen Haggerty ,  Chao M. Yuan ,  Benedict O. Okoh ,  Peter L. Williamson

Inventor： Kathleen Haggerty ,  Chao M. Yuan ,  Benedict O. Okoh ,  Peter L. Williamson

IPC: G06Q40/00

CPC classification number: G06Q40/00 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q40/025

Abstract: Share of Wallet (“SoW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's 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. In addition to credit card companies, SoW outputs may be useful to companies issuing, for example: private label cards, life insurance, on-line brokerages, mutual funds, car sales/leases, hospitals, and home equity lines of credit or loans. “Best customer” models can correlate SoW outputs with various customer groups. A SoW score focusing on a consumer's spending capacity can be used in the same manner as a credit bureau score.

Abstract translation: 电子钱包（“SoW”）的分享是一种建模方法，利用各种数据来源提供描述消费者支出能力，交易历史，包括余额转移和余额信息的产出。 这些输出可以附加到客户和潜在客户的数据配置文件中，并可用于支持整个生命周期中涉及探矿，新的申请人评估和客户管理的决策。 除了信用卡公司，SoW产品可能对公司发行有用，例如：私人标签卡，人寿保险，在线经纪，共同基金，汽车销售/租赁，医院和家庭信用等级的信贷或贷款。 “最佳客户”模型可以将SoW输出与各种客户群体相关联。 以消费者支出能力为重点的SoW评分可以与信用局评分相同。