Patents by Inventor Kathleen Haggerty
Kathleen Haggerty 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: 20110258142Abstract: 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. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio.Type: ApplicationFiled: June 27, 2011Publication date: October 20, 2011Applicant: American Express Travel Related Services Company Inc.Inventors: Kathleen Haggerty, Charles Christopher Lyon, Benedict O. Okoh, Robert E. Phelan, Jon Kevin Ruterman, Geraldine A. Turner, Chao M. Yuan, Arnab Biswas
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Publication number: 20110251948Abstract: 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: ApplicationFiled: June 21, 2011Publication date: October 13, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Patent number: 8024245Abstract: 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. Private equity firms and other investors of small businesses can use the CSoW/CSoSW modeling approach to more accurately evaluate small and privately held companies, both during investment and for evaluating prospective investments. Over-the-counter securities trading systems can also use this modeling approach to provide more accurate information and/or rankings of listed companies to their customers.Type: GrantFiled: July 9, 2010Date of Patent: September 20, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Charles Christopher Lyon, Benedict O. Okoh, Robert E. Phelan, Jon Kevin Ruterman, Geraldine A. Turner, Chao M. Yuan, Arnab Biswas
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Patent number: 8015108Abstract: 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: GrantFiled: December 22, 2010Date of Patent: September 6, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 8010449Abstract: 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: GrantFiled: December 15, 2010Date of Patent: August 30, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 7991690Abstract: 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: GrantFiled: November 2, 2010Date of Patent: August 2, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Patent number: 7991677Abstract: 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. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio.Type: GrantFiled: October 21, 2010Date of Patent: August 2, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Charles Christopher Lyon, Benedict O. Okoh, Robert E. Phelan, Jon Kevin Ruterman, Geraldine A. Turner, Chao M. Yuan, Arnab Biswas
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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: 20110112958Abstract: 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: ApplicationFiled: December 15, 2010Publication date: May 12, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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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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Publication number: 20110093383Abstract: 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: ApplicationFiled: December 22, 2010Publication date: April 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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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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Publication number: 20110047071Abstract: 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: ApplicationFiled: November 2, 2010Publication date: February 24, 2011Applicant: American Express Travel Related Services Compnay, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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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: 20110035333Abstract: 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. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio.Type: ApplicationFiled: October 21, 2010Publication date: February 10, 2011Applicant: American Express Travel Related Services Company Inc.Inventors: Kathleen Haggerty, Charles Christopher Lyon, Benedict O. Okoh, Robert E. Phelan, Jon Kevin Ruterman, Geraldine A. Turner, Chao M. Yuan, Arnab Biswas
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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: 7882027Abstract: 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: GrantFiled: March 28, 2008Date of Patent: February 1, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 7877323Abstract: 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: GrantFiled: March 28, 2008Date of Patent: January 25, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 7853520Abstract: 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: GrantFiled: February 29, 2008Date of Patent: December 14, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Publication number: 20100312717Abstract: 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. Private equity firms and other investors of small businesses can use the CSoW/CSoSW modeling approach to more accurately evaluate small and privately held companies, both during investment and for evaluating prospective investments. Over-the-counter securities trading systems can also use this modeling approach to provide more accurate information and/or rankings of listed companies to their customers.Type: ApplicationFiled: July 9, 2010Publication date: December 9, 2010Applicant: American Express Travel Related Services Company Inc.Inventors: Kathleen Haggerty, Charles Christopher Lyon, Benedict O. Okoh, Robert E. Phelan, Jon Kevin Ruterman, Geraldine A. Turner, Chao M. Yuan, Arnab Biswas