Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2005-06-30
2010-10-12
Kazimi, Hani (Department: 3684)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000
Reexamination Certificate
active
07814004
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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Haggerty Kathleen
Okoh Benedict O.
Williamson Peter L.
Yuan Chao M.
American Express Travel Related Services Company Inc.
Kazimi Hani
Rankins William E
Snell & Wilmer L.L.P.
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