METHOD AND APPARATUS FOR DETERMINING CREDIT CHARACTERISTICS OF A CONSUMER

Number of patents in Portfolio can not be more than 2000

United States of America Patent

SERIAL NO

14311090

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

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.

First Claim

See full text

Other Claims data not available

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddress
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY INC200 VESEY STREET NEW YORLK NY 10285-4900

International Classification(s)

loading....
  • 2014 Application Filing Year
  • G06Q Class
  • 12561 Applications Filed
  • 8002 Patents Issued To-Date
  • 63.71 % Issued To-Date
Click to zoom InYear of Issuance% of Matters IssuedCumulative IssuancesYearly Issuances201420152016201720182019202020212022202320240255075100

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
Williamson, Peter L Larchmont, US 17 1885
Yuan, Chao M Montclair, US 66 5591

Cited Art Landscape

Load Citation

Patent Citation Ranking

  • 8 Citation Count
  • G06Q Class
  • 80 % 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

Forward Cite Landscape

Load Citation