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公开(公告)号：US08401889B2
公开(公告)日：2013-03-19
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。 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。
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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：US08204774B2
公开(公告)日：2012-06-19
申请号：US11611699
申请日：2006-12-15
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。 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。
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