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1. 发明申请

US20120271744A1 INDUSTRY SIZE OF WALLET 有权
标题翻译：钱包行业规模
公开(公告)号：US20120271744A1
公开(公告)日：2012-10-25
申请号：US13538936
申请日：2012-06-29
申请人： Prashant Kalia , Karlyn Heiner Crotty , Iwao Fusillo
发明人： Prashant Kalia , Karlyn Heiner Crotty , Iwao Fusillo
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0202 , G06Q10/06375 , G06Q30/00 , G06Q30/0201 , G06Q30/0205 , G06Q40/00
摘要： 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.
摘要翻译：行业的消费支出是基于具有金融机构的钱包份额较高的消费者的钱包的行业规模来模拟的。为多个消费者中的每个消费者计算一个钱包的大小。还计算每个消费者的钱包份额。然后确定多个消费者的一部分，其中钱包的份额高于其钱包尺寸的给定百分比。对于子集中的每个消费者，确定钱包的行业大小。给定消费者的钱包的行业规模与给定消费者的一个或多个特征之间的相关性就是使用该子集中消费者的钱包的行业大小来得出的。

2. 发明授权

US08401947B2 Industry size of wallet 有权
标题翻译：钱包行业规模
公开(公告)号：US08401947B2
公开(公告)日：2013-03-19
申请号：US13538936
申请日：2012-06-29
申请人： Prashant Kalia , Karlyn Heiner Crotty , Iwao Fusillo
发明人： Prashant Kalia , Karlyn Heiner Crotty , Iwao Fusillo
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0202 , G06Q10/06375 , G06Q30/00 , G06Q30/0201 , G06Q30/0205 , G06Q40/00
摘要： 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.
摘要翻译：行业的消费支出是基于具有金融机构的钱包份额较高的消费者的钱包的行业规模来模拟的。为多个消费者中的每个消费者计算一个钱包的大小。还计算每个消费者的钱包份额。然后确定多个消费者的一部分，其中钱包的份额高于其钱包尺寸的给定百分比。对于子集中的每个消费者，确定钱包的行业大小。给定消费者的钱包的行业规模与给定消费者的一个或多个特征之间的相关性就是使用该子集中消费者的钱包的行业大小来得出的。

3. 发明授权

US08239250B2 Industry size of wallet 有权
标题翻译：钱包行业规模
公开(公告)号：US08239250B2
公开(公告)日：2012-08-07
申请号：US11608179
申请日：2006-12-07
申请人： Prashant Kalia , Karlyn Heiner Crotty , Iwao Fusillo
发明人： Prashant Kalia , Karlyn Heiner Crotty , Iwao Fusillo
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0202 , G06Q10/06375 , G06Q30/00 , G06Q30/0201 , G06Q30/0205 , G06Q40/00
摘要： 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.
摘要翻译：行业的消费支出是基于具有金融机构的钱包份额较高的消费者的钱包的行业规模来模拟的。为多个消费者中的每个消费者计算一个钱包的大小。还计算每个消费者的钱包份额。然后确定多个消费者的一部分，其中钱包的份额高于其钱包尺寸的给定百分比。对于子集中的每个消费者，确定钱包的行业大小。给定消费者的钱包的行业规模与给定消费者的一个或多个特征之间的相关性就是使用该子集中消费者的钱包的行业大小来得出的。

4. 发明申请

US20080133322A1 Industry Size of Wallet 有权
标题翻译：钱包行业规模
公开(公告)号：US20080133322A1
公开(公告)日：2008-06-05
申请号：US11608179
申请日：2006-12-07
申请人： Prashant Kalia , Karlyn Heiner Crotty , Iwao Fusillo
发明人： Prashant Kalia , Karlyn Heiner Crotty , Iwao Fusillo
IPC分类号： G06Q10/00
CPC分类号： G06Q30/0202 , G06Q10/06375 , G06Q30/00 , G06Q30/0201 , G06Q30/0205 , G06Q40/00
摘要： 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.
摘要翻译：行业的消费支出是基于具有金融机构的钱包份额较高的消费者的钱包的行业规模来模拟的。为多个消费者中的每个消费者计算一个钱包的大小。还计算每个消费者的钱包份额。然后确定多个消费者的一部分，其中钱包的份额高于其钱包尺寸的给定百分比。对于子集中的每个消费者，确定钱包的行业大小。给定消费者的钱包的行业规模与给定消费者的一个或多个特征之间的相关性就是使用该子集中消费者的钱包的行业大小来得出的。

5. 发明授权

US08380559B2 Identifying luxury merchants and consumers 有权
标题翻译：识别豪华商人和消费者
公开(公告)号：US08380559B2
公开(公告)日：2013-02-19
申请号：US12144503
申请日：2008-06-23
申请人： Karlyn Heiner Crotty , Prashant Kalia , Suby P. Philip , Danny M. Yelle
发明人： Karlyn Heiner Crotty , Prashant Kalia , Suby P. Philip , Danny M. Yelle
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0206
摘要： Transaction-level data and size of wallet data may be used to identify luxury merchants. In an embodiment, luxury merchants are identified based on their average record of charge (ROC) size in combination with the percentage of high-wallet consumers who transact with the merchants. Customers having a high share of wallet spent at luxury merchants may be identified as luxury consumers.
摘要翻译：交易级数据和钱包数据的大小可用于识别奢侈品商家。在一个实施例中，豪华商家根据其平均的收费记录（ROC）尺寸以及与商家交易的高钱包消费者的百分比相结合来确定。在奢侈品商家中拥有较高份额的钱包的客户可能被认定为奢侈品消费者。

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