<p>Share of Wallet ("SOW") is a modeling approach that utilizes various data sources to provide scores that describe a consumers spending capability, tradeline history including balance transfers, and balance information. Share of wallet scores can be used as a parameter for determining whether or not to accept and/or guarantee a check. The share of wallet can be used to calculate a risk value of a customer. For example, the scores can weight one or more factors related to the check writer and differentiate between a low-risk customer and a high-risk customer.</p>
申请公布号
WO2008079241(A1)
申请公布日期
2008.07.03
申请号
WO2007US25964
申请日期
2007.12.20
申请人
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,INC.;HAGGERTY, KATHLEEN;OKOH, BENEDICT, O.;YUAN, CHAO, M.
发明人
HAGGERTY, KATHLEEN;OKOH, BENEDICT, O.;YUAN, CHAO, M.