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1. 发明授权

US08781954B2 Systems and methods for identifying financial relationships 有权
标题翻译：识别财务关系的系统和方法
公开(公告)号：US08781954B2
公开(公告)日：2014-07-15
申请号：US13403728
申请日：2012-02-23
申请人： Kathleen Haggerty , Venkat Varadachary
发明人： Kathleen Haggerty , Venkat Varadachary
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q40/06
摘要： Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.
摘要翻译：提供改进的系统和方法来确定财务关系。特别是，可以通过将交易与一个或多个在交易线上签署或共同登录的人相关联来识别财务关系。在各种实施例中，提供了一种方法，包括：在基于计算机的系统处接收用于信用数据分析的信用数据分析，所述信用数据分析包括处理器和有形的非暂时性存储器，与传统线有关的信用报告数据，由基于计算机的系统解析，信贷报告数据，以产生主要债务人数据和次级债务人数据，并将基于计算机的系统与主要债务人数据和次级债务人数据联系起来。

2. 发明授权

US08543499B2 Reducing risks related to check verification 有权
标题翻译：降低与检查验证有关的风险
公开(公告)号：US08543499B2
公开(公告)日：2013-09-24
申请号：US11615747
申请日：2006-12-22
申请人： Kathleen Haggerty , Benedict O. Okoh , Chao M. Yuan
发明人： Kathleen Haggerty , Benedict O. Okoh , Chao M. Yuan
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/102 , G06Q40/00
摘要： Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide scores that describe a consumers spending capability, tradeline history including balance transfers, and balance information. Share of wallet scores can be used as a parameter for determining whether or not to accept and/or guarantee a check. The share of wallet can be used to calculate a risk value of a customer. For example, the scores can weight one or more factors related to the check writer and differentiate between a low-risk customer and a high-risk customer.
摘要翻译：电子钱包的份额（“SOW”）是一种建模方法，利用各种数据来提供描述消费者支出能力，交易历史，包括余额转移和余额信息的分数。钱包分数的份额可以用作确定是否接受和/或保证支票的参数。钱包的份额可用于计算客户的风险值。例如，分数可以加权与支票作者相关的一个或多个因素，并区分低风险客户和高风险客户。

3. 发明授权

US08401889B2 Estimating the spend capacity of consumer households 有权
标题翻译：估计消费家庭的消费能力
公开(公告)号：US08401889B2
公开(公告)日：2013-03-19
申请号：US13432890
申请日：2012-03-28
申请人： Jeffrey A. Chwast , Kathleen Haggerty , Jing J. Wang , Di W. Xu , Chao M. Yuan
发明人： Jeffrey A. Chwast , Kathleen Haggerty , Jing J. Wang , Di W. Xu , Chao M. Yuan
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q30/0204 , G06Q20/105 , G06Q30/0201 , G06Q30/0202 , G06Q30/0224 , G06Q30/0234 , G06Q30/0236 , G06Q30/0251 , G06Q30/0269 , G06Q40/00 , G06Q40/02
摘要： The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.
摘要翻译：消费者的消费能力通常随着家庭消费者数量的增加而增加，因为消费者可以利用家庭中其他消费者的消费能力。因此，家庭钱包的大小可以更好地衡量消费者的消费能力，而不是个人身份的钱包。一个给定家庭中的所有消费者可以根据例如他们的记录地址进行汇总。每个家庭中的重复交易路径从钱包估计的大小中删除。然后使用从消费者行为模型导出的计算，估算每个交易行的支出能力。将家庭中所有业务的支出能力相结合来确定家庭的钱包数量。然后家庭中的每个消费者都用家庭大小的钱包标记，而不是他们个人的钱包大小。

4. 发明授权

US08364582B2 Credit score and scorecard development 有权
标题翻译：信用评分和记分卡开发
公开(公告)号：US08364582B2
公开(公告)日：2013-01-29
申请号：US13570120
申请日：2012-08-08
申请人： Kathleen Haggerty , Chao M. Yuan , Benedict O. Okoh , Peter L. Williamson
发明人： Kathleen Haggerty , Chao M. Yuan , Benedict O. Okoh , Peter L. Williamson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q10/063 , G06Q10/063112 , G06Q10/0637 , G06Q20/108 , G06Q40/025
摘要： 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.
摘要翻译：电子钱包（SOW）的分享是一种建模方法，利用各种数据来提供描述消费者支出能力，交易历史，包括余额转移和余额信息的产出。这些输出可以附加到客户和潜在客户的数据配置文件中，并可用于支持整个生命周期中涉及探矿，新的申请人评估和客户管理的决策。在开发信用卡记分卡时，输出可以用作考虑的属性。

5. 发明申请

US20120233061A1 METHOD AND APPARATUS FOR DEVELOPMENT AND USE OF A CREDIT SCORE BASED ON SPEND CAPACITY 有权
标题翻译：用于开发和使用基于支出能力的信用评分的方法和装置
公开(公告)号：US20120233061A1
公开(公告)日：2012-09-13
申请号：US13480910
申请日：2012-05-25
申请人： Kathleen Haggerty , Chao M. Yuan , Benedict O. Okoh , Peter L. Williamson
发明人： Kathleen Haggerty , Chao M. Yuan , Benedict O. Okoh , Peter L. Williamson
IPC分类号： G06Q40/02
CPC分类号： G06Q30/0204 , G06Q10/067 , G06Q30/0202 , G06Q30/0269 , G06Q40/00 , G06Q40/025 , G06Q40/12
摘要： 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.
摘要翻译：电子钱包的份额（“SOW”）是一种建模方法，利用各种数据源提供描述消费者支出能力，交易历史，包括余额转移和余额信息的产出。这些输出可以附加到客户和潜在客户的数据配置文件中，并可用于支持整个生命周期中涉及探矿，新的申请人评估和客户管理的决策。以消费者支出能力为重点的SOW评分可以与信用局评分相同。

6. 发明申请

US20120203688A1 CONSUMER BEHAVIORS AT LENDER LEVEL 有权
标题翻译：消费者行为水平下降
公开(公告)号：US20120203688A1
公开(公告)日：2012-08-09
申请号：US13450338
申请日：2012-04-18
申请人： Kathleen Haggerty , Aashish Prakash , Prasanta Sahu , Di Xu , Chao Yuan
发明人： Kathleen Haggerty , Aashish Prakash , Prasanta Sahu , Di Xu , Chao Yuan
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q30/0251 , G06Q40/00 , G06Q40/02 , G06Q40/12
摘要： 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.
摘要翻译：本公开通常涉及财务数据处理，特别涉及放贷人信用评分，贷款人分析，贷款人行为分析和建模。更具体地说，它涉及基于从各自的消费者得到的数据的评级放债者。此外，本公开涉及基于消费者预测的消费能力来评估消费者贷方。

7. 发明申请

US20120150723A1 TOTAL STRUCTURAL RISK MODEL 有权
公开(公告)号：US20120150723A1
公开(公告)日：2012-06-14
申请号：US13398456
申请日：2012-02-16
申请人： Tirthankar Choudhuri , Anjali Dewan , Amber Gupta , Kathleen Haggerty , Di Xu , Chao Yuan
发明人： Tirthankar Choudhuri , Anjali Dewan , Amber Gupta , Kathleen Haggerty , Di Xu , Chao Yuan
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q40/025 , G06Q40/08
摘要： The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

8. 发明授权

US08195550B2 Determining commercial share of wallet 有权
标题翻译：确定钱包的商业份额
公开(公告)号：US08195550B2
公开(公告)日：2012-06-05
申请号：US13302921
申请日：2011-11-22
申请人： Kathleen Haggerty , Charles Christopher Lyon , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
发明人： Kathleen Haggerty , Charles Christopher Lyon , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0202 , G06Q40/00 , G06Q40/08
摘要： Commercial size of spending wallet (“SoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“SoW”) is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.
摘要翻译：消费钱包（“SoSW”）的商业规模是包括现金在内的业务的总体业务支出，但不包括有条件的项目。钱包的商业份额（“SoW”）是特定金融公司所占用的消费钱包部分。商业SoW是一种建模方法，利用各种数据来提供描述公司支出能力的产出。这些输出可以附加到客户和潜在客户的数据配置文件中，并可用于支持整个生命周期中涉及探矿，新客户评估和客户管理的决策。公司财务报表用于识别和计算可以使用商业信用卡交易的公司的总体业务支出。然后可以开发一个花费回归模型来估计信用网络中的客户和潜在客户的年度商业SoSW价值。

9. 发明申请

US20120066108A1 DETERMINING COMMERCIAL SHARE OF WALLET 有权
标题翻译：确定电子钱包的商业分享
公开(公告)号：US20120066108A1
公开(公告)日：2012-03-15
申请号：US13302921
申请日：2011-11-22
申请人： Kathleen Haggerty , Charles Christopher Lyon , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
发明人： Kathleen Haggerty , Charles Christopher Lyon , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0202 , G06Q40/00 , G06Q40/08
摘要： Commercial size of spending wallet (“SoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“SoW”) is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.
摘要翻译：消费钱包（“SoSW”）的商业规模是包括现金在内的业务的总体业务支出，但不包括有条件的项目。钱包的商业份额（“SoW”）是特定金融公司所占用的消费钱包部分。商业SoW是一种建模方法，利用各种数据来提供描述公司支出能力的产出。这些输出可以附加到客户和潜在客户的数据配置文件中，并可用于支持整个生命周期中涉及探矿，新客户评估和客户管理的决策。公司财务报表用于识别和计算可以使用商业信用卡交易的公司的总体业务支出。然后可以开发一个花费回归模型来估计信用网络中的客户和潜在客户的年度商业SoSW价值。

10. 发明申请

US20120046979A1 USING COMMERCIAL SHARE OF WALLET TO RATE BUSINESS PROSPECTS 有权
标题翻译：使用电子商务分享率来商业前景
公开(公告)号：US20120046979A1
公开(公告)日：2012-02-23
申请号：US13274046
申请日：2011-10-14
申请人： Siddhartha Chatterji , Kathleen Haggerty , Charles Christopher Lyon , Benedict O. Okoh , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
发明人： Siddhartha Chatterji , Kathleen Haggerty , Charles Christopher Lyon , Benedict O. Okoh , Robert E. Phelan , Jon Kevin Ruterman , Geraldine A. Turner , Chao M. Yuan , Arnab Biswas
IPC分类号： G06Q10/06
CPC分类号： G06Q30/0201 , G06Q10/063 , G06Q30/02 , G06Q40/00 , G06Q40/02 , G06Q40/08
摘要： Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Research analysts can use CSoW/CSoSW to provide a comprehensive and robust indication of the business prospects of a rated company.
摘要翻译：消费钱包（“CSoSW”）的商业规模是包括现金在内的业务的总体业务支出，但不包括有条件的项目。钱包的商业份额（“CSoW”）是由特定金融公司捕获的消费钱包的部分。建模方法利用各种数据源来提供描述公司支出能力的输出。研究分析师可以使用CSoW / CSoSW来提供对一家评级公司的业务前景的全面而有力的指示。

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