METHOD AND APPARATUS FOR TARGETING BEST CUSTOMERS BASED ON SPEND CAPACITY
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United States of America Patent
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app pub date -
Jul 31, 2014
filing date -
Oct 29, 2004
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Abandoned
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Abstract
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.
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