Geraldine J Turner

US Patent:

7822665, Oct 26, 2010

Filed:

Aug 2, 2006

Appl. No.:

11/497521

Inventors:

Kathleen Haggerty - Staten Island NY, US
Charles Christopher Lyon - Phoenix AZ, US
Benedict O. Okoh - New York NY, US
Robert E. Phelan - Mendham NJ, US
Jon Kevin Ruterman - Glendale AZ, US
Geraldine A. Turner - Sandy Hook VA, US
Chao M. Yuan - Montclair NJ, US
Arnab Biswas - Calcutta, IN

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35, 705 36 R, 705 38

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. Private equity firms and other investors of small businesses can use the CSoW/CSoSW modeling approach to more accurately evaluate small and privately held companies, both during investment and for evaluating prospective investments. Over-the-counter securities trading systems can also use this modeling approach to provide more accurate information and/or rankings of listed companies to their customers.

US Patent:

7844534, Nov 30, 2010

Filed:

Jul 9, 2010

Appl. No.:

12/833741

Inventors:

Kathleen Haggerty - Staten Island NY, US
Charles Christopher Lyon - Phoenix AZ, US
Benedict O. Okoh - New York NY, US
Robert E. Phelan - Mendham NJ, US
Jon Kevin Ruterman - Glendale AZ, US
Geraldine A. Turner - Sandy Hook VA, US
Chao M. Yuan - Montclair NJ, US
Arnab Biswas - Calcutta, IN

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 36R

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:

7991677, Aug 2, 2011

Filed:

Oct 21, 2010

Appl. No.:

12/909645

Inventors:

Kathleen Haggerty - Staten Island NY, US
Charles Christopher Lyon - Phoenix AZ, US
Benedict O. Okoh - New York NY, US
Robert E. Phelan - Mendham NJ, US
Jon Kevin Ruterman - Glendale AZ, US
Geraldine A. Turner - Sandy Hook VA, US
Chao M. Yuan - Montclair NJ, US
Arnab Biswas - Calcutta, IN

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 36R

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:

8024245, Sep 20, 2011

Filed:

Jul 9, 2010

Appl. No.:

12/833708

Inventors:

Kathleen Haggerty - Staten Island NY, US
Charles Christopher Lyon - Phoenix AZ, US
Benedict O. Okoh - New York NY, US
Robert E. Phelan - Mendham NJ, US
Jon Kevin Ruterman - Glendale AZ, US
Geraldine A. Turner - Sandy Hook VA, US
Chao M. Yuan - Montclair NJ, US
Arnab Biswas - Calcutta, IN

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35, 705 36 R, 705 38

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. Private equity firms and other investors of small businesses can use the CSoW/CSoSW modeling approach to more accurately evaluate small and privately held companies, both during investment and for evaluating prospective investments. Over-the-counter securities trading systems can also use this modeling approach to provide more accurate information and/or rankings of listed companies to their customers.

US Patent:

8073752, Dec 6, 2011

Filed:

Apr 15, 2008

Appl. No.:

12/103394

Inventors:

Kathleen Haggerty - Staten Island NY, US
Charles Christopher Lyon - Phoenix AZ, US
Benedict O. Okoh - New York NY, US
Robert E. Phelan - Mendham NJ, US
Jon Kevin Ruterman - Glendale AZ, US
Geraldine A. Turner - Sandy Hook VA, US
Chao M. Yuan - Montclair NJ, US
Arnab Biswas - Calcutta, IN

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35

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:

8086509, Dec 27, 2011

Filed:

Aug 2, 2006

Appl. No.:

11/497563

Inventors:

Kathleen Haggerty - Staten Island NY, US
Charles Christopher Lyon - Phoenix AZ, US
Robert E. Phelan - Mendham NJ, US
Jon Kevin Ruterman - Glendale AZ, US
Geraldine A. Turner - Sandy Hook VA, US
Chao M. Yuan - Montclair NJ, US
Arnab Biswas - Calcutta, IN

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Commercial size of spending wallet (“SoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“SoW”) is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.

US Patent:

8121918, Feb 21, 2012

Filed:

Apr 15, 2008

Appl. No.:

12/103403

Inventors:

Kathleen Haggerty - Staten Island NY, US
Charles Christopher Lyon - Phoenix AZ, US
Benedict O. Okoh - New York NY, US
Robert E. Phelan - Mendham NJ, US
Jon Kevin Ruterman - Glendale AZ, US
Geraldine A. Turner - Sandy Hook VA, US
Chao M. Yuan - Montclair NJ, US
Arnab Biswas - Calcutta, IN

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35

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. Government agencies, procurement departments, and others that patronize small businesses can use CSoW/CSoSW to determine businesses that should be awarded contracts and businesses that should be denied. CSoW/CSoSW may also be used to manage approved vendor lists.

US Patent:

8131614, Mar 6, 2012

Filed:

Aug 2, 2006

Appl. No.:

11/497527

Inventors:

Kathleen Haggerty - Staten Island NY, US
Charles Christopher Lyon - Phoenix AZ, US
Benedict O. Okoh - New York NY, US
Robert E. Phelan - Mendham NJ, US
Jon Kevin Ruterman - Glendale AZ, US
Geraldine A. Turner - Sandy Hook VA, US
Chao M. Yuan - Montclair NJ, US
Arnab Biswas - Calcutta, IN

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35

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. Marketing companies that sell lists compile those lists by searching one or more databases for names and/or businesses that match certain criteria. Those marketing companies can use the CSoW/CSoSW modeling approach to show predicted spend and/or revenues for each company on a list. This makes the list more valuable to list buyers.