Geraldine M Turner

US Patent:

8489482, Jul 16, 2013

Filed:

Sep 19, 2012

Appl. No.:

13/622957

Inventors:

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 - Naktala, 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 37, 705 38, 705 39, 705 40, 705 41, 705 42

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:

20130254135, Sep 26, 2013

Filed:

May 21, 2013

Appl. No.:

13/899438

Inventors:

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 40/06

US Classification:

705 36 R

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:

20130262342, Oct 3, 2013

Filed:

May 21, 2013

Appl. No.:

13/899403

Inventors:

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 40/06

US Classification:

705 36 R

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:

20140058926, Feb 27, 2014

Filed:

Nov 1, 2013

Appl. No.:

14/070297

Inventors:

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 40/02

US Classification:

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. 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:

20140316855, Oct 23, 2014

Filed:

Jun 27, 2014

Appl. No.:

14/318516

Inventors:

- New York 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 30/02

US Classification:

705 731

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:

20140317022, Oct 23, 2014

Filed:

Jun 27, 2014

Appl. No.:

14/318369

Inventors:

- New York 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 40/06

US Classification:

705 36 R

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:

20140172686, Jun 19, 2014

Filed:

Feb 24, 2014

Appl. No.:

14/188400

Inventors:

- New York NY, US
Charles Christopher Lyon - Phoenix AZ, US
Jon Kevin Ruterman - Glendale AZ, US
Benedict O. Okoh - New York NY, US
Robert E. Phelan - Mendham NJ, 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 40/02

US Classification:

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. 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:

20140149179, May 29, 2014

Filed:

Jan 30, 2014

Appl. No.:

14/168306

Inventors:

- New York 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 30/02

US Classification:

705 729

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.