Patents by Inventor Di Xu

Di Xu 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).

  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20110276471
    Abstract: 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.
    Type: Application
    Filed: July 18, 2011
    Publication date: November 10, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20110276469
    Abstract: 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.
    Type: Application
    Filed: July 18, 2011
    Publication date: November 10, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • TOTAL STRUCTURAL RISK MODEL
    Publication number: 20110251948
    Abstract: 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.
    Type: Application
    Filed: June 21, 2011
    Publication date: October 13, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Consumer behaviors at lender level
    Patent number: 8015108
    Abstract: 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.
    Type: Grant
    Filed: December 22, 2010
    Date of Patent: September 6, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • Consumer behaviors at lender level
    Patent number: 8010449
    Abstract: 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.
    Type: Grant
    Filed: December 15, 2010
    Date of Patent: August 30, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 7991690
    Abstract: 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.
    Type: Grant
    Filed: November 2, 2010
    Date of Patent: August 2, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20110112958
    Abstract: 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.
    Type: Application
    Filed: December 15, 2010
    Publication date: May 12, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20110093383
    Abstract: 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.
    Type: Application
    Filed: December 22, 2010
    Publication date: April 21, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • TOTAL STRUCTURAL RISK MODEL
    Publication number: 20110047071
    Abstract: 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.
    Type: Application
    Filed: November 2, 2010
    Publication date: February 24, 2011
    Applicant: American Express Travel Related Services Compnay, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Consumer behaviors at lender level
    Patent number: 7882027
    Abstract: The present invention 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 invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Grant
    Filed: March 28, 2008
    Date of Patent: February 1, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • Consumer behaviors at lender level
    Patent number: 7877323
    Abstract: The present invention 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 invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Grant
    Filed: March 28, 2008
    Date of Patent: January 25, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 7853520
    Abstract: 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.
    Type: Grant
    Filed: February 29, 2008
    Date of Patent: December 14, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 7849004
    Abstract: 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.
    Type: Grant
    Filed: February 29, 2008
    Date of Patent: December 7, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Consumer behaviors at lender level
    Patent number: 7844544
    Abstract: The present invention 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 invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Grant
    Filed: March 28, 2008
    Date of Patent: November 30, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 7814008
    Abstract: 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.
    Type: Grant
    Filed: February 29, 2008
    Date of Patent: October 12, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Consumer behaviors at lender level
    Patent number: 7805363
    Abstract: The present invention 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 invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Grant
    Filed: March 28, 2008
    Date of Patent: September 28, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20090248572
    Abstract: The present invention 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 invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Application
    Filed: March 28, 2008
    Publication date: October 1, 2009
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20090248571
    Abstract: The present invention 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 invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Application
    Filed: March 28, 2008
    Publication date: October 1, 2009
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20090248569
    Abstract: The present invention 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 invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Application
    Filed: March 28, 2008
    Publication date: October 1, 2009
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20090248570
    Abstract: The present invention 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 invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Application
    Filed: March 28, 2008
    Publication date: October 1, 2009
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan