Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2005-06-30
2010-11-23
Cheung, Mary (Department: 3694)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S014270, C705S035000, C705S014270, C705S042000
Reexamination Certificate
active
07840484
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. The outputs can be used as attributes to consider in developing a credit bureau scorecard.
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Haggerty Kathleen
Okoh Benedict O.
Williamson Peter L.
Yuan Chao M.
American Express Travel Related Services Company Inc.
Cheung Mary
Holly John H
Snell & Wilmer L.L.P.
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