-
1.发明申请METHOD AND APPARATUS FOR DEVELOPMENT AND USE OF A CREDIT SCORE BASED ON SPEND CAPACITY 审中-公开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：US20120265661A1
公开(公告)日：2012-10-18
申请号：US13450403
申请日：2012-04-18
IPC分类号： G06Q40/00
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. A SOW score focusing on a consumer's spending capability 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：US20120084230A1
公开(公告)日：2012-04-05
申请号：US13277098
申请日：2011-10-19
IPC分类号： 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. 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.
-
3.发明申请公开(公告)号：US20120066116A1
公开(公告)日：2012-03-15
申请号：US13225225
申请日：2011-09-02
IPC分类号： G06Q40/02
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。
-
4.发明申请公开(公告)号：US20110295733A1
公开(公告)日：2011-12-01
申请号：US13208233
申请日：2011-08-11
IPC分类号： G06Q40/00
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. A SOW score focusing on a consumer's spending capability can be used in the same manner as a credit bureau score.
-
公开(公告)号：US20100250469A1
公开(公告)日：2010-09-30
申请号：US12814396
申请日：2010-06-11
申请人： Myles G. Megdal , Adam T. Kornegay , Angela Ganger
发明人： Myles G. Megdal , Adam T. Kornegay , Angela Ganger
IPC分类号： G06Q90/00
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.
-
公开(公告)号：US20080243680A1
公开(公告)日：2008-10-02
申请号：US11977745
申请日：2007-10-25
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的输出，交易历史，包括余额转移和余额信息。 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。
-
公开(公告)号：US20080228635A1
公开(公告)日：2008-09-18
申请号：US11977742
申请日：2007-10-25
IPC分类号： G06Q40/00
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 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.
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。
-
公开(公告)号：US20080228606A1
公开(公告)日：2008-09-18
申请号：US11978145
申请日：2007-10-25
IPC分类号： G06Q40/00
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。
-
公开(公告)号：US20080222027A1
公开(公告)日：2008-09-11
申请号：US11977751
申请日：2007-10-25
IPC分类号： G06Q30/00
CPC分类号： G06Q40/025 , G06Q40/02 , G06Q40/08
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。
-
公开(公告)号：US20080221990A1
公开(公告)日：2008-09-11
申请号：US11977737
申请日：2007-10-25
IPC分类号： G06Q30/00
CPC分类号： G06Q40/08 , G06Q30/0211 , 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。 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。
-
-
-
-
-
-
-
-
-
搜索结果
40 条记录 (耗时 0.032 秒)
