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Estimating the spend capacity of consumer households

  • US 8,401,889 B2
  • Filed: 03/28/2012
  • Issued: 03/19/2013
  • Est. Priority Date: 10/29/2004
  • Status: Active Grant
First Claim
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1. A method of estimating a size of wallet of a consumer, comprising:

  • associating, by a computer-based system for the estimating of the size of the wallet of the consumer comprising a processor and a tangible, non-transitory memory, a plurality of tradelines with a household of the consumer;

    removing, by the computer-based system, duplicate tradelines in the plurality of tradelines from association with the household such that only unique tradelines are associated with the household;

    identifying, by the computer-based system, an amount of a balance transfer associated with at least one unique tradeline;

    offsetting, by the computer-based system, the amount of the identified balance transfers from a spend capacity; and

    calculating, by the computer-based system, a household size of wallet.

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