Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2005-06-30
2009-10-27
Cheung, Mary (Department: 3694)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000, C708S134000
Reexamination Certificate
active
07610243
ABSTRACT:
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's 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 likelihood of default determined by the SOW model, when applied to a loan portfolio, can reduce the amount of credit enhancement required for an asset-backed securities rating.
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Haggerty Kathleen
Okoh Benedict O.
Williamson Peter L.
Yuan Chao M.
American Express Travel Related Services Company Inc.
Cheung Mary
Fertig Brian
Sterne Kessler Goldstein & Fox P.L.L.C.
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