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31.发明授权公开(公告)号：US08015107B2
公开(公告)日：2011-09-06
申请号：US12606060
申请日：2009-10-26
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.
摘要翻译： 提供了一种系统和方法，以允许消费者通过基于他的实际信用数据提交假设值来交互地探索他的信用评分。 该系统使用消费者的实际信用数据和提交的假设值来根据模拟计数卡计算模拟信用评分。 消费者然后可以观察得出的得分的变化。 该系统和记分卡可以利用比完整的信用评分卡更少的数据元素，并且可以专注于影响消费者信用评分的关键要素。 该系统可以部分地实现在web服务器上或作为独立应用。 当消费者调整假设值或者可能要求消费者肯定地提交新的假设数据时，系统还可以动态地更新分数。
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公开(公告)号：US20110184851A1
公开(公告)日：2011-07-28
申请号：US12912706
申请日：2010-10-26
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： 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. The likelihood of default determined by the SoW model, when applied to a loan portfolio, can reduce the amount of credit enhancement required for an asset-backed securities rating.
摘要翻译： 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。 由SoW模型确定的违约可能性在适用于贷款组合时，可以减少资产支持证券评级所需的信用增加量。
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公开(公告)号：US07925582B1
公开(公告)日：2011-04-12
申请号：US12563779
申请日：2009-09-21
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： Systems and methods are described that simulate a credit score. The system enables a user to modify a credit data element in order to determine its effect on a credit score. The user can modify the element directly or simulate an action that, if performed, would modify the element. Since the number of possible modifications and actions can be overwhelming, in one embodiment, the system suggests modifications and actions to be simulated. These suggestions can be tailored to a user's goal, such as increasing a credit score by a particular number of points or allocating a particular sum of money in order to maximize a credit score. In one embodiment, the system obtains credit data from multiple credit bureaus and can determine credit scores using different algorithms, such as the different algorithms used by the different credit bureaus.
摘要翻译： 描述了模拟信用评分的系统和方法。 该系统使用户能够修改信用数据元素以便确定其对信用评分的影响。 用户可以直接修改元素，或者模拟一个动作，如果执行，则会修改该元素。 由于可能的修改和动作的数量可以是压倒性的，在一个实施例中，系统建议要被模拟的修改和动作。 这些建议可以根据用户的目标进行调整，例如通过特定点数增加信用分数或分配特定金额以最大化信用评分。 在一个实施例中，系统从多个信用局获得信用数据，并且可以使用不同的算法来确定信用评分，例如由不同的信用局使用的不同的算法。
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公开(公告)号：US20080255897A1
公开(公告)日：2008-10-16
申请号：US11978245
申请日：2007-10-25
IPC分类号： G06Q30/00
CPC分类号： G06Q40/08 , G06Q30/0201 , G06Q40/02
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。
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35.发明申请公开(公告)号：US20080228556A1
公开(公告)日：2008-09-18
申请号：US11924333
申请日：2007-10-25
IPC分类号： G06F17/30
CPC分类号： G06Q40/08 , G06Q40/02 , G06Q40/025
摘要： 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.
摘要翻译： 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。
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公开(公告)号：US20080228541A1
公开(公告)日：2008-09-18
申请号：US11978169
申请日：2007-10-25
IPC分类号： G06Q10/00
CPC分类号： G06Q40/06 , G06Q10/0637 , G06Q10/06375 , G06Q30/0204 , G06Q40/02 , G06Q40/08 , G06Q40/12
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。
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37.发明申请公开(公告)号：US20080228540A1
公开(公告)日：2008-09-18
申请号：US11977735
申请日：2007-10-25
IPC分类号： G06Q30/00
CPC分类号： G06Q10/06393 , G06Q30/0204 , G06Q40/02 , 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. 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。
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公开(公告)号：US20080222016A1
公开(公告)日：2008-09-11
申请号：US11977747
申请日：2007-10-25
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. 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。
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公开(公告)号：US20080221971A1
公开(公告)日：2008-09-11
申请号：US11977738
申请日：2007-10-25
IPC分类号： G06F17/50
CPC分类号： G06Q40/025 , G06Q30/0201 , G06Q40/02 , 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. Research analysts can use CSoW/CSoSW to provide a comprehensive and robust indication of the business prospects of a rated company.
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。 研究分析师可以使用CSoW / CSoSW来提供对一家评级公司的业务前景的全面而有力的指示。
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公开(公告)号：US20080033852A1
公开(公告)日：2008-02-07
申请号：US11257379
申请日：2005-10-24
IPC分类号： G06Q40/00
摘要： Time series consumer spending data, point-in-time balance information and consumer panel information provide input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability and share of wallet may be reliably identified and utilized to promote additional consumer spending.
摘要翻译： 时间序列消费者支出数据，时间平衡信息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，从而可以可靠地识别和利用钱包的开支能力和份额的近似值 以促进额外的消费支出。
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