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Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching

  • US 6,839,682 B1
  • Filed: 10/03/2000
  • Issued: 01/04/2005
  • Est. Priority Date: 05/06/1999
  • Status: Expired due to Term
First Claim
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1. A method of predicting financial behavior of consumers, comprising:

  • obtaining a set of input transactions for a plurality of consumers with respect to a plurality of merchants;

    defining at least one merchant segment, each merchant being associated with at least one of the defined merchant segments; and

    for at least one consumer, applying the input transactions of the consumer by a computer to each of at least one merchant segment predictive model, each merchant segment predictive model defining for a merchant segment a prediction function between input transactions in a past time interval and financial behavior in a subsequent time interval, to produce for each consumer a predicted behavior in each of at least a subset of the merchant segments.

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