Patents by Inventor Jing J. Wang

Jing J. Wang 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).

  • Estimating the spend capacity of consumer households
    Patent number: 8401889
    Abstract: 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.
    Type: Grant
    Filed: March 28, 2012
    Date of Patent: March 19, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Jeffrey A. Chwast, Kathleen Haggerty, Jing J. Wang, Di W. Xu, Chao M. Yuan
  • ESTIMATING THE SPEND CAPACITY OF CONSUMER HOUSEHOLDS
    Publication number: 20120185338
    Abstract: 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.
    Type: Application
    Filed: March 28, 2012
    Publication date: July 19, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Jeffrey A. Chwast, Kathleen Haggerty, Jing J. Wang, Di W. Xu, Chao M. Yuan
  • Estimating the spend capacity of consumer households
    Patent number: 8204774
    Abstract: 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.
    Type: Grant
    Filed: December 15, 2006
    Date of Patent: June 19, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Jeffrey A. Chwast, Kathleen Haggerty, Jing J. Wang, Di W. Xu, Chao M. Yuan