Source: http://www.google.com/patents/US8239250?ie=ISO-8859-1
Timestamp: 2014-12-18 07:50:28
Document Index: 209347409

Matched Legal Cases: ['Application No. 60', 'Application No. 2006285253', 'Application No. 2006285253', 'Application No. 2006285253', 'Application No. 2006285253', 'Application No. 2006285253', 'Application No. 2', 'Application No. 2008']

Patent US8239250 - Industry size of wallet - Google PatentsSearch Images Maps Play YouTube News Gmail Drive More »Sign inAdvanced Patent SearchPatentsConsumer spend by industry is modeled based on the industry sizes of wallet of consumers having a high share of wallet with a financial institution. A size of wallet is calculated for each consumer in a plurality of consumers. A share of wallet for each consumer is also calculated. A subset of the plurality...http://www.google.com/patents/US8239250?utm_source=gb-gplus-sharePatent US8239250 - Industry size of walletAdvanced Patent SearchPublication numberUS8239250 B2Publication typeGrantApplication numberUS 11/608,179Publication dateAug 7, 2012Filing dateDec 7, 2006Priority dateDec 1, 2006Also published asUS8401947, US8615458, US20080133322, US20120271744, US20130191262, US20140081705Publication number11608179, 608179, US 8239250 B2, US 8239250B2, US-B2-8239250, US8239250 B2, US8239250B2InventorsPrashant Kalia, Karlyn Heiner Crotty, Iwao FusilloOriginal AssigneeAmerican Express Travel Related Services Company, Inc.Export CitationBiBTeX, EndNote, RefManPatent Citations (34), Non-Patent Citations (129), Referenced by (20), Classifications (14), Legal Events (1) External Links: USPTO, USPTO Assignment, EspacenetIndustry size of walletUS 8239250 B2Abstract Consumer spend by industry is modeled based on the industry sizes of wallet of consumers having a high share of wallet with a financial institution. A size of wallet is calculated for each consumer in a plurality of consumers. A share of wallet for each consumer is also calculated. A subset of the plurality of consumers whose share of wallet is above a given percentage of their size of wallet is then determined. For each consumer in the subset, an industry size of wallet is determined. A correlation between the industry size of wallet of a given consumer and one or more characteristics of the given consumer is then derived using the industry size of wallet for the consumers in the subset.
calculating, by a computer-based system for modeling consumer spend comprising a processor and a tangible, non-transitory memory, a size of wallet for each consumer in a plurality of consumers, wherein the size of wallet is calculated by a method comprising:
modeling, by the computer-based system, spending patterns using individual and aggregate consumer data, including tradeline data, internal customer data, and consumer panel data;
estimating, by the computer-based system, credit-related information of each consumer based on tradeline data of each consumer, previous balance transfers of each consumer, and the model of consumer spending patterns to arrive at estimated credit-related information, wherein the credit-related information comprises a spend amount associated with the individual consumer; and
calculating, by the computer-based system, a share of wallet for each consumer;
determining, by the computer-based system, an industry size of wallet for each consumer in the subset using a fixed weighting factor and a graded weighting factor in conjunction with lifestyle variables comprising a location rank, a length of each consumer's tenure with a credit bureau, each consumer's gender, and each consumer's household size, wherein the graded weighting factor varies, in accordance with the value of at least one of the lifestyle variables; and
deriving, by the computer-based system, a correlation between an industry size of wallet of a given consumer and one or more characteristics of the given consumer using the industry size of wallet for the consumers in the subset.
calculating, by a computer-based system for targeting consumers comprising a processor and a tangible, non-transitory memory, a total share of wallet associated with a financial institution for one or more consumers;
estimating, by the computer-based system, an industry size of wallet of each consumer, wherein the industry size of wallet of each consumer is calculated by a method comprising:
calculating, by the computer-based system, an external size of the industry size of wallet of each consumer using a fixed weighting factor and a graded weighting factor in conjunction with lifestyle variables comprising a location rank, a length of each consumer's tenure with a credit bureau, each consumer's gender, and each consumer's household size, wherein the graded weighting factor varies in accordance with the value of at least one of the lifestyle variables; and
targeting, by the computer-based system, one or more consumers having a relatively high external size of the industry size of wallet and a given minimal total share of wallet with offers to increase their industry share of wallet associated with the financial institution.
18. A computer readable storage medium bearing instructions, the instructions, when executed by a processor for modeling consumer spend by industry, cause said processor to perform operations comprising:
calculating, by the processor, a size of wallet for each consumer in a plurality of consumers, wherein the size of wallet is calculated by a method comprising:
modeling, by the processor, spending patterns using individual and aggregate consumer data, including tradeline data, internal customer data, and consumer panel data;
estimating, by the processor, credit-related information of each consumer based on tradeline data of each consumer, previous balance transfers of each consumer, and the model of consumer spending patterns to arrive at estimated credit-related information, wherein the credit-related information comprises a spend amount associated with the individual consumer;
offsetting, by the processor, the previous balance transfers from the estimated credit-related information;
calculating, by the processor, a share of wallet for each consumer;
determining, by the processor, a subset of the plurality of consumers whose share of wallet is above a given percentage of their size of wallet;
determining, by the processor, an industry size of wallet for each consumer in the subset using a fixed weighting factor and a graded weighting factor in conjunction with lifestyle variables comprising a location rank, a length of each consumer's tenure with a credit bureau, each consumer's gender, and each consumer's household size, wherein the graded weighting factor varies in accordance with the value of at least one of the lifestyle variables; and
deriving, by the processor, a correlation between an industry size of wallet of a given consumer and one or more characteristics of the given consumer using the industry size of wallet for the consumers in the subset. Description
CROSS-REFERENCE TO RELATED APPLICATIONS This application claims the benefit of U.S. Provisional Patent Application No. 60/868,229, filed Dec. 1, 2006, which is incorporated by reference herein in its entirety.
SUMMARY OF THE INVENTION In one embodiment of the present invention, consumer spend by industry is modeled based on the industry sizes of wallet of consumers having a high share of wallet with a financial institution. A size of wallet is calculated for each consumer in a plurality of consumers. A share of wallet for each consumer is also calculated. A subset of the plurality of consumers whose share of wallet is above a given percentage of their size of wallet is then determined. For each consumer in the subset, an industry size of wallet is determined. A correlation between the industry size of wallet of a given consumer and one or more characteristics of the given consumer is then derived using the industry size of wallet for the consumers in the subset.
The external size of wallet of the customer is calculated in step 210. The customer's external size of wallet may be calculated, for example, by subtracting the magnitude of the customer's industry spending associated with the financial institution from the magnitude of the customer's industry size of wallet. The remaining amount, which corresponds to spend in the industry that is not associated with the financial institution, is also referred to herein as the �external industry spend.�
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