Patents by Inventor Peter L. Williamson
Peter L. Williamson has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20160078460Abstract: 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.Type: ApplicationFiled: November 20, 2015Publication date: March 17, 2016Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Benedict O. Okoh, Peter L. Williamson, Chao M. Yuan
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Publication number: 20140344069Abstract: 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.Type: ApplicationFiled: July 31, 2014Publication date: November 20, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Benedict O. Okoh, Peter L. Williamson, Chao M. Yuan
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Publication number: 20140324538Abstract: 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.Type: ApplicationFiled: June 20, 2014Publication date: October 30, 2014Inventors: Kathleen Haggerty, Benedict O. Okoh, Peter L. Williamson, Chao M. Yuan
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Patent number: 8438105Abstract: 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.Type: GrantFiled: May 25, 2012Date of Patent: May 7, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Benedict O. Okoh, Peter L. Williamson, Chao M. Yuan
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Patent number: 8364582Abstract: 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.Type: GrantFiled: August 8, 2012Date of Patent: January 29, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Publication number: 20120303505Abstract: 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.Type: ApplicationFiled: August 8, 2012Publication date: November 29, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Patent number: 8315942Abstract: 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.Type: GrantFiled: January 5, 2011Date of Patent: November 20, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Benedict O. Okoh, Peter L. Williamson, Chao M. Yuan
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Patent number: 8311936Abstract: 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.Type: GrantFiled: November 1, 2011Date of Patent: November 13, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Publication number: 20120233061Abstract: 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.Type: ApplicationFiled: May 25, 2012Publication date: September 13, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Publication number: 20120054090Abstract: 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.Type: ApplicationFiled: November 1, 2011Publication date: March 1, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Patent number: 8073768Abstract: 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.Type: GrantFiled: October 14, 2010Date of Patent: December 6, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Publication number: 20110145122Abstract: 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. In addition to credit card companies, SoW outputs may be useful to companies issuing, for example: private label cards, life insurance, on-line brokerages, mutual funds, car sales/leases, hospitals, and home equity lines of credit or loans. “Best customer” models can correlate SoW outputs with various customer groups. A SoW score focusing on a consumer's spending capacity can be used in the same manner as a credit bureau score.Type: ApplicationFiled: February 22, 2011Publication date: June 16, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Publication number: 20110112950Abstract: 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.Type: ApplicationFiled: January 5, 2011Publication date: May 12, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Patent number: 7912770Abstract: 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. In addition to credit card companies, SoW outputs may be useful to companies issuing, for example: private label cards, life insurance, on-line brokerages, mutual funds, car sales/leases, hospitals, and home equity lines of credit or loans. “Best customer” models can correlate SoW outputs with various customer groups. A SoW score focusing on a consumer's spending capacity can be used in the same manner as a credit bureau score.Type: GrantFiled: June 30, 2005Date of Patent: March 22, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Patent number: 7890420Abstract: 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.Type: GrantFiled: May 10, 2010Date of Patent: February 15, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Publication number: 20110029427Abstract: 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.Type: ApplicationFiled: October 14, 2010Publication date: February 3, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Patent number: 7840484Abstract: 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.Type: GrantFiled: June 30, 2005Date of Patent: November 23, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Patent number: 7814004Abstract: 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.Type: GrantFiled: June 30, 2005Date of Patent: October 12, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Publication number: 20100223168Abstract: 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.Type: ApplicationFiled: May 10, 2010Publication date: September 2, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson
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Patent number: 7610243Abstract: 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.Type: GrantFiled: June 30, 2005Date of Patent: October 27, 2009Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson