WO2004107117A3 - Rating system and method for identifying desirable customers - Google Patents

Rating system and method for identifying desirable customers Download PDF

Info

Publication number
WO2004107117A3
WO2004107117A3 PCT/US2004/016273 US2004016273W WO2004107117A3 WO 2004107117 A3 WO2004107117 A3 WO 2004107117A3 US 2004016273 W US2004016273 W US 2004016273W WO 2004107117 A3 WO2004107117 A3 WO 2004107117A3
Authority
WO
WIPO (PCT)
Prior art keywords
customer
prediction index
customer data
types
rating system
Prior art date
Application number
PCT/US2004/016273
Other languages
French (fr)
Other versions
WO2004107117A2 (en
Inventor
Patrick Yip
Praveen Reddy
Original Assignee
Pershing Investments Llc
Patrick Yip
Praveen Reddy
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Pershing Investments Llc, Patrick Yip, Praveen Reddy filed Critical Pershing Investments Llc
Priority to CNA2004800141733A priority Critical patent/CN101044499A/en
Priority to AU2004244266A priority patent/AU2004244266B2/en
Priority to EP04753149A priority patent/EP1625481A4/en
Priority to JP2006533355A priority patent/JP2007502482A/en
Priority to KR1020057022076A priority patent/KR100751966B1/en
Priority to CA002522612A priority patent/CA2522612A1/en
Publication of WO2004107117A2 publication Critical patent/WO2004107117A2/en
Publication of WO2004107117A3 publication Critical patent/WO2004107117A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G06Q30/0202—Market predictions or forecasting for commercial activities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

An advanced rating method and system for identifying desirable customers. A prediction index is calculated for each customer to predict a trend of profit that the customer may generate. The prediction index is calculated based on various types of customer data including at least two types of customer data selected from the following: assets levels of the customer, demographic information of the customer, and transaction history of the customer. A score for each selected type of customer data is determined. Proper weights corresponding to each type of customer data are also obtained. The prediction index is then calculated based on the respective weights and scores corresponding to the selected types of customer data using an advanced algorithm. The prediction index is compared with a preset threshold to determine whether the customer is desirable.
PCT/US2004/016273 2003-05-22 2004-05-24 Rating system and method for identifying desirable customers WO2004107117A2 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
CNA2004800141733A CN101044499A (en) 2003-05-22 2004-05-24 Rating system and method for identifying desirable customers
AU2004244266A AU2004244266B2 (en) 2003-05-22 2004-05-24 Rating system and method for identifying desirable customers
EP04753149A EP1625481A4 (en) 2003-05-22 2004-05-24 Rating system and method for identifying desirable customers
JP2006533355A JP2007502482A (en) 2003-05-22 2004-05-24 Rating system and method for identifying desirable customers
KR1020057022076A KR100751966B1 (en) 2003-05-22 2004-05-24 rating system and method for identifying desirable customers
CA002522612A CA2522612A1 (en) 2003-05-22 2004-05-24 Rating system and method for identifying desirable customers

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US47242203P 2003-05-22 2003-05-22
US60/472,422 2003-05-22

Publications (2)

Publication Number Publication Date
WO2004107117A2 WO2004107117A2 (en) 2004-12-09
WO2004107117A3 true WO2004107117A3 (en) 2006-06-01

Family

ID=33490501

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/016273 WO2004107117A2 (en) 2003-05-22 2004-05-24 Rating system and method for identifying desirable customers

Country Status (7)

Country Link
EP (1) EP1625481A4 (en)
JP (1) JP2007502482A (en)
KR (1) KR100751966B1 (en)
CN (1) CN101044499A (en)
AU (1) AU2004244266B2 (en)
CA (1) CA2522612A1 (en)
WO (1) WO2004107117A2 (en)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004107121A2 (en) * 2003-05-22 2004-12-09 Pershing Investments, Llc Method and system for predicting attrition customers
KR100902009B1 (en) * 2007-03-16 2009-06-12 주식회사 신한은행 System for Producing Profitable Integrated Group Classified by Custom
CN102915481B (en) * 2012-09-26 2016-08-17 北京百度网讯科技有限公司 A kind of method, device and equipment for user account is managed
US20150142638A1 (en) * 2013-05-02 2015-05-21 The Dun & Bradstreet Corporation Calculating a probability of a business being delinquent
US10339477B2 (en) 2014-12-10 2019-07-02 [24] 7.ai, Inc. Method and apparatus for facilitating staffing of resources
CN105677881B (en) * 2016-01-12 2020-07-03 腾讯科技（深圳）有限公司 Information recommendation method and device and server
CN107688892A (en) * 2017-07-31 2018-02-13 平安科技（深圳）有限公司 Distribution method, storage medium and the server of breakpoint list
CN108320089A (en) * 2018-01-25 2018-07-24 平安科技（深圳）有限公司 It attends a banquet distribution method, electronic device and computer readable storage medium
CN108765094A (en) * 2018-06-06 2018-11-06 中国平安人寿保险股份有限公司 Insurance data processing method, device, computer equipment and storage medium
CN109409908A (en) * 2018-10-10 2019-03-01 北京长城华冠汽车技术开发有限公司 Customer value classification method and device, computer-readable medium
JP7153613B2 (en) * 2019-07-03 2022-10-14 株式会社日立製作所 Customer management system and customer management method
CN111986030B (en) * 2020-09-02 2023-09-08 河北幸福消费金融股份有限公司 Data processing method, device, storage medium and computer equipment

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030208431A1 (en) * 2000-07-14 2003-11-06 Sylvain Raynes Structured finance performance monitoring index
US6658393B1 (en) * 1997-05-27 2003-12-02 Visa Internation Service Association Financial risk prediction systems and methods therefor
US20040111353A1 (en) * 2002-12-03 2004-06-10 Ellis Robert A. System and method for managing investment information

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2001022851A (en) * 1999-07-09 2001-01-26 Hitachi Ltd Method and system for scoring
JP2001109733A (en) * 1999-10-12 2001-04-20 Hitachi Ltd Method for evaluating identification model and method for adjusting threshold
JP2002092305A (en) * 2000-09-13 2002-03-29 Hitachi Ltd Score calculating method, and score providing method
JP2002157422A (en) * 2000-11-20 2002-05-31 Fujitsu Ltd Credit method and recording medium
JP2003022359A (en) * 2001-07-06 2003-01-24 Hitachi Ltd Method and device for analyzing customer lifetime value
JP2003114977A (en) * 2001-10-03 2003-04-18 Hitachi Ltd Method and system for calculating customer's lifelong value
US7877265B2 (en) * 2003-05-13 2011-01-25 At&T Intellectual Property I, L.P. System and method for automated customer feedback

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6658393B1 (en) * 1997-05-27 2003-12-02 Visa Internation Service Association Financial risk prediction systems and methods therefor
US20030208431A1 (en) * 2000-07-14 2003-11-06 Sylvain Raynes Structured finance performance monitoring index
US20040111353A1 (en) * 2002-12-03 2004-06-10 Ellis Robert A. System and method for managing investment information

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP1625481A4 *

Also Published As

Publication number Publication date
EP1625481A2 (en) 2006-02-15
CN101044499A (en) 2007-09-26
KR100751966B1 (en) 2007-08-24
CA2522612A1 (en) 2004-12-09
AU2004244266A1 (en) 2004-12-09
EP1625481A4 (en) 2009-07-01
AU2004244266B2 (en) 2008-01-17
KR20060021854A (en) 2006-03-08
JP2007502482A (en) 2007-02-08
WO2004107117A2 (en) 2004-12-09

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