Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2000-02-16
2008-09-02
Poinvil, Frantzy (Department: 3692)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S038000, C705S03600T
Reexamination Certificate
active
07421409
ABSTRACT:
Initially the amount of data is checked to determine whether a sufficient history is present for the method. Credit card accounts are classified as new, relatively new, and old cards, i.e. opened within six months, within twelve months, and over twelve months ago. The balances for each of the three categories are calculated for each month. The average balance percentages of cards opened within six months and twelve months for the last twenty-four months is calculated and teaser surfers are defined as either having average percentages within the last twenty-four months for all credit cards opened within six and twelve months are greater than predefined percentages.
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Credit-card companies have come a courtin'; [1,2 Edition] Ann Perry. The San Diego Union—Tribune. San Diego, Calif.: Jan. 30, 2000. p. I.1).
Kraemer James Richard
Liu Shiping
Murphy, Jr. Edgar Leroy
Fay III Theodore D.
Graham Clement
International Business Machines - Corporation
Pivnichny John R.
Poinvil Frantzy
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