发明名称 |
Using commercial share of wallet to make lending decisions |
摘要 |
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.
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申请公布号 |
US2008221947(A1) |
申请公布日期 |
2008.09.11 |
申请号 |
US20070977731 |
申请日期 |
2007.10.25 |
申请人 |
MEGDAL MYLES G;KORNEGAY ADAM T;GRANGER ANGELA;MCMILLAN HELEN;BOLIN PETER |
发明人 |
MEGDAL MYLES G.;KORNEGAY ADAM T.;GRANGER ANGELA;MCMILLAN HELEN;BOLIN PETER |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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地址 |
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