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United States of America Patent

SERIAL NO

14317590

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Abstract

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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.

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Patent Owner(s)

Patent OwnerAddress
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY INC200 VESEY STREET NEW YORK NY 10285

International Classification(s)

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  • 2014 Application Filing Year
  • G06Q Class
  • 12561 Applications Filed
  • 8002 Patents Issued To-Date
  • 63.71 % Issued To-Date

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Haggerty, Kathleen Staten Island, US 104 7168
Okoh, Benedict O New York, US 55 4473
Yuan, Chao M Montclair, US 66 5591

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Patent Citation Ranking

  • 12 Citation Count
  • G06Q Class
  • 0 % this patent is cited more than
  • 11 Age
Citation count rangeNumber of patents cited in rangeNumber of patents cited in various citation count ranges121111 - 2041 - 5051 - 6091 - 10000.10.20.30.40.50.60.70.80.911.11.21.31.41.51.61.71.81.922.1

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