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    Reducing risks related to check verification
    1.
    发明授权
    Reducing risks related to check verification 有权
    降低与检查验证有关的风险

    公开(公告)号：US08543499B2

    公开(公告)日：2013-09-24

    申请号：US11615747

    申请日：2006-12-22

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

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

    IPC: G06Q40/00

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

    Abstract: Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide scores that describe a consumers spending capability, tradeline history including balance transfers, and balance information. Share of wallet scores can be used as a parameter for determining whether or not to accept and/or guarantee a check. The share of wallet can be used to calculate a risk value of a customer. For example, the scores can weight one or more factors related to the check writer and differentiate between a low-risk customer and a high-risk customer.

    Abstract translation: 电子钱包的份额（“SOW”）是一种建模方法，利用各种数据来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分数。 钱包分数的份额可以用作确定是否接受和/或保证支票的参数。 钱包的份额可用于计算客户的风险值。 例如，分数可以加权与支票作者相关的一个或多个因素，并区分低风险客户和高风险客户。

    Estimating the spend capacity of consumer households
    2.
    发明授权
    Estimating the spend capacity of consumer households 有权
    估计消费家庭的消费能力

    公开(公告)号：US08401889B2

    公开(公告)日：2013-03-19

    申请号：US13432890

    申请日：2012-03-28

    Applicant: Jeffrey A. Chwast ,  Kathleen Haggerty ,  Jing J. Wang ,  Di W. Xu ,  Chao M. Yuan

    Inventor： Jeffrey A. Chwast ,  Kathleen Haggerty ,  Jing J. Wang ,  Di W. Xu ,  Chao M. Yuan

    IPC: G06Q10/00 ,  G06Q40/00

    CPC classification number: G06Q30/0204 ,  G06Q20/105 ,  G06Q30/0201 ,  G06Q30/0202 ,  G06Q30/0224 ,  G06Q30/0234 ,  G06Q30/0236 ,  G06Q30/0251 ,  G06Q30/0269 ,  G06Q40/00 ,  G06Q40/02

    Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.

    Abstract translation: 消费者的消费能力通常随着家庭消费者数量的增加而增加，因为消费者可以利用家庭中其他消费者的消费能力。 因此，家庭钱包的大小可以更好地衡量消费者的消费能力，而不是个人身份的钱包。 一个给定家庭中的所有消费者可以根据例如他们的记录地址进行汇总。 每个家庭中的重复交易路径从钱包估计的大小中删除。 然后使用从消费者行为模型导出的计算，估算每个交易行的支出能力。 将家庭中所有业务的支出能力相结合来确定家庭的钱包数量。 然后家庭中的每个消费者都用家庭大小的钱包标记，而不是他们个人的钱包大小。

    Credit score and scorecard development
    3.
    发明授权
    Credit score and scorecard development 有权
    信用评分和记分卡开发

    公开(公告)号：US08364582B2

    公开(公告)日：2013-01-29

    申请号：US13570120

    申请日：2012-08-08

    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 ,  G06Q10/063 ,  G06Q10/063112 ,  G06Q10/0637 ,  G06Q20/108 ,  G06Q40/025

    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.

    Abstract translation: 电子钱包（SOW）的分享是一种建模方法，利用各种数据来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。 在开发信用卡记分卡时，输出可以用作考虑的属性。

    METHOD AND APPARATUS FOR DEVELOPMENT AND USE OF A CREDIT SCORE BASED ON SPEND CAPACITY
    4.
    发明申请
    METHOD AND APPARATUS FOR DEVELOPMENT AND USE OF A CREDIT SCORE BASED ON SPEND CAPACITY 有权
    用于开发和使用基于支出能力的信用评分的方法和装置

    公开(公告)号：US20120233061A1

    公开(公告)日：2012-09-13

    申请号：US13480910

    申请日：2012-05-25

    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: G06Q40/02

    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。

    Determining commercial share of wallet
    5.
    发明授权
    Determining commercial share of wallet 有权
    确定钱包的商业份额

    公开(公告)号：US08195550B2

    公开(公告)日：2012-06-05

    申请号：US13302921

    申请日：2011-11-22

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

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

    IPC: G06Q40/00

    CPC classification number: G06Q30/0202 ,  G06Q40/00 ,  G06Q40/08

    Abstract: Commercial size of spending wallet (“SoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“SoW”) is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.

    Abstract translation: 消费钱包（“SoSW”）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（“SoW”）是特定金融公司所占用的消费钱包部分。 商业SoW是一种建模方法，利用各种数据来提供描述公司支出能力的产出。 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，新客户评估和客户管理的决策。 公司财务报表用于识别和计算可以使用商业信用卡交易的公司的总体业务支出。 然后可以开发一个花费回归模型来估计信用网络中的客户和潜在客户的年度商业SoSW价值。

    DETERMINING COMMERCIAL SHARE OF WALLET
    6.
    发明申请
    DETERMINING COMMERCIAL SHARE OF WALLET 有权
    确定电子钱包的商业分享

    公开(公告)号：US20120066108A1

    公开(公告)日：2012-03-15

    申请号：US13302921

    申请日：2011-11-22

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

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

    IPC: G06Q40/00

    CPC classification number: G06Q30/0202 ,  G06Q40/00 ,  G06Q40/08

    Abstract: Commercial size of spending wallet (“SoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“SoW”) is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.

    Abstract translation: 消费钱包（“SoSW”）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（“SoW”）是特定金融公司所占用的消费钱包部分。 商业SoW是一种建模方法，利用各种数据来提供描述公司支出能力的产出。 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，新客户评估和客户管理的决策。 公司财务报表用于识别和计算可以使用商业信用卡交易的公司的总体业务支出。 然后可以开发一个花费回归模型来估计信用网络中的客户和潜在客户的年度商业SoSW价值。

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