Consumer behaviors at lender level

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9898779
SERIAL NO

14280388

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

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

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Haggerty, Kathleen Staten Island, US 104 7168
Prakash, Aashish Doranda, IN 15 952
Sahu, Prasanta Jersey City, US 17 995
Xu, Di Edison, US 85 2328
Yuan, Chao Montclair, US 126 2678

Cited Art Landscape

Load Citation

Patent Citation Ranking

Forward Cite Landscape

Load Citation

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Aug 20, 2025
11.5 Year Payment $7400.00 $3700.00 $1850.00 Aug 20, 2029
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00