Invention Grant
US07991666B2 Method and apparatus for estimating the spend capacity of consumers
有权
用于估计消费者支出能力的方法和装置
- Patent Title: Method and apparatus for estimating the spend capacity of consumers
- Patent Title (中): 用于估计消费者支出能力的方法和装置
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Application No.: US12368799Application Date: 2009-02-10
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Publication No.: US07991666B2Publication Date: 2011-08-02
- 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 ; G07G17/00
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
- US20090144160A1 Method and Apparatus for Estimating the Spend Capacity of Consumers Public/Granted day:2009-06-04
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