Using commercial share of wallet to compile marketing company lists
    1.
    发明申请
    Using commercial share of wallet to compile marketing company lists 有权
    使用钱包的商业份额编制营销公司名单

    公开(公告)号:US20070067206A1

    公开(公告)日:2007-03-22

    申请号:US11497527

    申请日:2006-08-02

    IPC分类号: G06F17/30

    摘要: 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. Marketing companies that sell lists compile those lists by searching one or more databases for names and/or businesses that match certain criteria. Those marketing companies can use the CSoW/CSoSW modeling approach to show predicted spend and/or revenues for each company on a list. This makes the list more valuable to list buyers.

    摘要翻译: 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。 销售列表的营销公司通过搜索符合特定标准的名称和/或企业的一个或多个数据库来编译这些列表。 这些营销公司可以使用CSoW / CSoSW建模方法来显示列表中每个公司的预计支出和/或收入。 这使列表更有价值,以列出买家。

    Using commercial share of wallet to rate investments
    2.
    发明申请
    Using commercial share of wallet to rate investments 有权
    使用钱包的商业份额对投资进行评级

    公开(公告)号:US20070067208A1

    公开(公告)日:2007-03-22

    申请号:US11497562

    申请日:2006-08-02

    IPC分类号: G06F17/30

    CPC分类号: G06Q40/06 G06Q40/00 G06Q40/08

    摘要: 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. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio.

    摘要翻译: 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。 共同基金评级公司可以使用这种CSoW / CSoSW建模方法来预测投资于特定行业或行业的资金的表现。 此外,由于共同基金常常提供选择股票的指引,评级公司可以使用此建模方法来预测基金组合中公司的表现。

    Using commercial share of wallet in financial databases
    5.
    发明申请
    Using commercial share of wallet in financial databases 有权
    在金融数据库中使用钱包的商业份额

    公开(公告)号:US20070192165A1

    公开(公告)日:2007-08-16

    申请号:US11497530

    申请日:2006-08-02

    IPC分类号: G07G1/00

    摘要: 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. Companies which provide databases of financial information about other companies can use scores provided by this CSoW/CSoSW modeling approach to give an indication of how much the company is likely to spend in the future.

    摘要翻译: 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。 提供有关其他公司的财务信息数据库的公司可以使用此CSoW / CSoSW建模方法提供的分数来表明公司未来可能花费多少。

    Using commercial share of wallet in private equity investments
    6.
    发明申请
    Using commercial share of wallet in private equity investments 有权
    在私募股权投资中使用钱包的商业份额

    公开(公告)号:US20070078741A1

    公开(公告)日:2007-04-05

    申请号:US11497521

    申请日:2006-08-02

    IPC分类号: G06Q40/00

    摘要: 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.

    摘要翻译: 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。

    Determining commercial share of wallet
    7.
    发明申请
    Determining commercial share of wallet 有权
    确定钱包的商业份额

    公开(公告)号:US20070067209A1

    公开(公告)日:2007-03-22

    申请号:US11497563

    申请日:2006-08-02

    IPC分类号: G06F17/30

    摘要: 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.

    摘要翻译: 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。

    Using commercial share of wallet to make lending decisions
    8.
    发明申请
    Using commercial share of wallet to make lending decisions 有权
    使用钱包的商业份额作出贷款决定

    公开(公告)号:US20070226130A1

    公开(公告)日:2007-09-27

    申请号:US11586737

    申请日:2006-10-26

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/025 G06Q40/08

    摘要: 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. Banks and lenders can use CSoW/CSoSW to determine who to lend to and who to deny credit to, as well as for pricing loans and other products in a dynamic way. Banks and lenders can also determine which customers should be retained, as well as identify loans which are likely to default.

    摘要翻译: 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。 银行和贷款人可以使用CSoW / CSoSW来确定谁借贷和谁拒绝信贷,以及以动态方式定价贷款和其他产品。 银行和贷款人还可以确定哪些客户应该保留,并确定可能违约的贷款。

    Using commercial share of wallet to manage investments
    9.
    发明申请
    Using commercial share of wallet to manage investments 审中-公开
    使用钱包的商业份额来管理投资

    公开(公告)号:US20070226114A1

    公开(公告)日:2007-09-27

    申请号:US11586728

    申请日:2006-10-26

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/08 G06Q40/06

    摘要: 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. Managers of investment vehicles, such as mutual fund managers, can use CSoW/CSoSW as one of the parameters to be considered when picking stocks to buy, sell, or short. Investment managers can also use CSoW/CSoSW to predict which stocks in their portfolio are likely to suffer a price fall.

    摘要翻译: 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。 投资工具的经理,如共同基金经理,可以使用CSoW / CSoSW作为买入,卖出或卖出股票时考虑的参数之一。 投资经理也可以使用CSoW / CSoSW预测其投资组合中的哪些股票可能会遭受价格下跌。

    Using commercial share of wallet to analyze vendors in online marketplaces
    10.
    发明申请
    Using commercial share of wallet to analyze vendors in online marketplaces 有权
    使用钱包的商业份额来分析在线市场的供应商

    公开(公告)号:US20070067207A1

    公开(公告)日:2007-03-22

    申请号:US11497529

    申请日:2006-08-02

    IPC分类号: G06F17/30

    摘要: 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. Online marketplaces that allow small businesses to advertise their services can use this CSoW/CSoSW modeling approach to provide a rating that gives an indication of the business prospects of the vendors listed on their sites. Further, such marketplaces can combine this information with their own internal analytics to provide a single holistic rating.

    摘要翻译: 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。 允许小型企业宣传其服务的在线市场可以使用这种CSoW / CSoSW建模方法来提供一个评级,以表明在其网站上列出的供应商的业务前景。 此外,这种市场可以将这些信息与自己的内部分析相结合,以提供单一的整体评级。