- Patent Title: Method and apparatus for estimating the spend capacity of consumers
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Application No.: US10978298Application Date: 2004-10-29
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Publication No.: US07788147B2Publication Date: 2010-08-31
- Inventor: Kathleen B. Haggerty , Chao M. Yuan
- Applicant: Kathleen B. Haggerty , Chao M. Yuan
- Applicant Address: US NY New York
- Assignee: American Express Travel Related Services Company, Inc.
- Current Assignee: American Express Travel Related Services Company, Inc.
- Current Assignee Address: US NY New York
- Agency: Snell & Wilmer L.L.P.
- Main IPC: G06Q40/00
- IPC: G06Q40/00 ; G06F17/30 ; G07G1/00
Abstract:
Time series consumer spending data, point-in-time balance information, internal customer financial data and consumer panel information provides input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability may be reliably identified and utilized to promote additional consumer spending.
Public/Granted literature
- US20060242039A1 Method and apparatus for estimating the spend capacity of consumers Public/Granted day:2006-10-26
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