Angela L Granger

US Patent:

20080221934, Sep 11, 2008

Filed:

Oct 25, 2007

Appl. No.:

11/977743

Inventors:

Myles G. Megdal - Sands Point NY, US
Adam T. Kornegay - Knoxville TN, US
Angela Granger - Irvine CA, US
Helen McMillan - San Clemente CA, US
Peter Bolin - Placentia CA, US

International Classification:

G06Q 40/00

US Classification:

705 4

Abstract:

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. Insurance companies can use CSoW/CSoSW to determine risk levels of clients and identify prospective clients. CSoW/CSoSW can also be used to determine pricing structures for clients.

US Patent:

20080221947, Sep 11, 2008

Filed:

Oct 25, 2007

Appl. No.:

11/977731

Inventors:

Myles G. Megdal - Sands Point NY, US
Adam T. Kornegay - Knoxville TN, US
Angela Granger - Irvine CA, US
Helen McMillan - San Clemente CA, US
Peter Bolin - Placentia CA, US

International Classification:

G06Q 40/00

US Classification:

705 7

Abstract:

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. Banks and lenders can use CSoW/CSoSW to determine who to lend to and who to deny credit to, as well as for pricing loans and other products in a dynamic way. Banks and lenders can also determine which customers should be retained, as well as identify loans which are likely to default.

US Patent:

20080221970, Sep 11, 2008

Filed:

Oct 25, 2007

Appl. No.:

11/977736

Inventors:

Myles G. Megdal - Sands Point NY, US
Adam T. Kornegay - Knoxville TN, US
Angela Granger - Irvine CA, US

International Classification:

G06Q 30/00

US Classification:

705 10

Abstract:

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. “Best customer” models can correlate SOW outputs with various customer groups for targeted marketing.

US Patent:

20080221971, Sep 11, 2008

Filed:

Oct 25, 2007

Appl. No.:

11/977738

Inventors:

Myles G. Megdal - Sands Point NY, US
Adam T. Kornegay - Knoxville TN, US
Angela Granger - Costa Mesa CA, US
Helen McMillan - Irvine CA, US
Peter Bolin - Placentia CA, US

International Classification:

G06F 17/50

US Classification:

705 10

Abstract:

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. Research analysts can use CSoW/CSoSW to provide a comprehensive and robust indication of the business prospects of a rated company.

US Patent:

20080221972, Sep 11, 2008

Filed:

Oct 25, 2007

Appl. No.:

11/977753

Inventors:

Myles G. Megdal - Sands Point NY, US
Adam T. Kornegay - Knoxville TN, US
Angela Granger - Costa Mesa CA, US

International Classification:

G06Q 10/00
G06Q 30/00
G06Q 40/00

US Classification:

705 10, 705 35

Abstract:

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 include the size of the consumer's spending wallet over a particular time period, the total number of the consumer's revolving cards, the consumer's revolving balance, the consumer's average pay-down percentage for revolving cards, total number of the consumer's transacting cards, the consumer's transacting balance, a number of balance transfers transacted by the consumer, the total amount of the consumer's balance transfers, the consumer's maximum revolving balance, the consumer's maximum transacting balance, the consumer's credit limit, size of the consumer's revolving spending, and the size of the consumer's transacting spending.

US Patent:

20080221973, Sep 11, 2008

Filed:

Oct 25, 2007

Appl. No.:

11/978173

Inventors:

Myles G. Megdal - Sands Point NY, US
Adam T. Kornegay - Knoxville TN, US
Angela Granger - Irvine CA, US
Helen McMillan - San Clementa CA, US
Peter Bolin - Placentia CA, US

International Classification:

G06Q 99/00

US Classification:

705 10

Abstract:

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.

US Patent:

20080221990, Sep 11, 2008

Filed:

Oct 25, 2007

Appl. No.:

11/977737

Inventors:

Myles G. Megdal - Sands Point NY, US
Adam T. Kornegay - Knoxville TN, US
Angela Granger - Irvine CA, US
Christopher Shakespeare - Wilmington DE, US

International Classification:

G06Q 30/00

US Classification:

705 14, 705 1

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.

US Patent:

20080222015, Sep 11, 2008

Filed:

Oct 25, 2007

Appl. No.:

11/977728

Inventors:

Myles G. Megdal - Sands Point NY, US
Adam T. Kornegay - Knoxville TN, US
Angela Granger - Irvine CA, US

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

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.