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公开(公告)号：US20130226781A1
公开(公告)日：2013-08-29
申请号：US13403736
申请日：2012-02-23
IPC分类号： G06Q40/02
摘要： Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.
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公开(公告)号：US20130226780A1
公开(公告)日：2013-08-29
申请号：US13403728
申请日：2012-02-23
IPC分类号： G06Q40/02
摘要： Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.
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公开(公告)号：US20130226778A1
公开(公告)日：2013-08-29
申请号：US13403651
申请日：2012-02-23
CPC分类号： G06Q40/025 , G06Q40/02
摘要： Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.
摘要翻译： 提供改进的系统和方法来确定财务关系。 特别是，可以通过将交易与一个或多个在交易线上签署或共同登录的人相关联来识别财务关系。 在各种实施例中，提供了一种方法，包括：在基于计算机的系统处接收用于信用数据分析的信用数据分析，所述信用数据分析包括处理器和有形的非暂时性存储器，与传统线有关的信用报告数据，由基于计算机的系统解析， 信贷报告数据产生主要债务人数据和次级债务人数据，并通过计算机系统将主要债务人数据和次级债务人数据与交易线连接起来。
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公开(公告)号：US20130226753A1
公开(公告)日：2013-08-29
申请号：US13403778
申请日：2012-02-23
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q40/025
摘要： Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.
摘要翻译： 提供改进的系统和方法来确定财务关系。 特别是，可以通过将交易与一个或多个在交易线上签署或共同登录的人相关联来识别财务关系。 在各种实施例中，提供了一种方法，包括：在基于计算机的系统处接收用于信用数据分析的信用数据分析，所述信用数据分析包括处理器和有形的非暂时性存储器，与传统线有关的信用报告数据，由基于计算机的系统解析， 信贷报告数据，以产生主要债务人数据和次级债务人数据，并将基于计算机的系统与主要债务人数据和次级债务人数据联系起来。
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公开(公告)号：US08473410B1
公开(公告)日：2013-06-25
申请号：US13403634
申请日：2012-02-23
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.
摘要翻译： 提供改进的系统和方法来确定财务关系。 特别是，可以通过将交易与一个或多个在交易线上签署或共同登录的人相关联来识别财务关系。 在各种实施例中，提供了一种方法，包括：在基于计算机的系统处接收用于信用数据分析的信用数据分析，所述信用数据分析包括处理器和有形的非暂时性存储器，与传统线有关的信用报告数据，由基于计算机的系统解析， 信贷报告数据，以产生主要债务人数据和次级债务人数据，并将基于计算机的系统与主要债务人数据和次级债务人数据联系起来。
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96.发明授权公开(公告)号：US08326671B2
公开(公告)日：2012-12-04
申请号：US11497529
申请日：2006-08-02
申请人： Kathleen Haggerty , Charles Christopher Lyon , Benedict O. Okoh , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
发明人： Kathleen Haggerty , Charles Christopher Lyon , Benedict O. Okoh , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
CPC分类号： G06Q40/08 , G06Q10/0639 , G06Q30/0201 , 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. 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。
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公开(公告)号：US20120185338A1
公开(公告)日：2012-07-19
申请号：US13432890
申请日：2012-03-28
申请人： Jeffrey A. Chwast , Kathleen Haggerty , Jing J. Wang , Di W. Xu , Chao M. Yuan
发明人： Jeffrey A. Chwast , Kathleen Haggerty , Jing J. Wang , Di W. Xu , Chao M. Yuan
CPC分类号： G06Q30/0204 , G06Q20/105 , G06Q30/0201 , G06Q30/0202 , G06Q30/0224 , G06Q30/0234 , G06Q30/0236 , G06Q30/0251 , G06Q30/0269 , G06Q40/00 , G06Q40/02
摘要： 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,
摘要翻译： 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。 家庭中的每个消费者然后被标记为家庭大小的钱包，而不是他们个人的钱包大小，
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公开(公告)号：US08086509B2
公开(公告)日：2011-12-27
申请号：US11497563
申请日：2006-08-02
申请人： Kathleen Haggerty , Charles Christopher Lyon , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
发明人： Kathleen Haggerty , Charles Christopher Lyon , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0202 , G06Q40/00 , G06Q40/08
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。
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公开(公告)号：US07991677B2
公开(公告)日：2011-08-02
申请号：US12909645
申请日：2010-10-21
申请人： Kathleen Haggerty , Charles Christopher Lyon , Benedict O. Okoh , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
发明人： Kathleen Haggerty , Charles Christopher Lyon , Benedict O. Okoh , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
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. 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。
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公开(公告)号：US20110029427A1
公开(公告)日：2011-02-03
申请号：US12904732
申请日：2010-10-14
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q10/063 , G06Q10/063112 , G06Q10/0637 , G06Q20/108 , G06Q40/025
摘要： 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.
摘要翻译： 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。 在开发信用卡记分卡时，输出可以用作考虑的属性。
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