06839682 is referenced by 328 patents and cites 14 patents.

Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Consumer vectors are developed within the vector space, to represent interests of particular consumers by virtue of relative vector positions of consumer and merchant vectors. Various techniques, including clustering, supervised segmentation, and nearest-neighbor analysis, are applied separately or in combination to generate improved predictions of consumer behavior.

Title
Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching
Application Number
9/679022
Publication Number
6839682 (B1)
Application Date
October 3, 2000
Publication Date
January 4, 2005
Inventor
Kevin L Sitze
San Diego
CA, US
Gerald R Russell
San Diego
CA, US
Ted E Dunning
San Diego
CA, US
William R Caid
San Diego
CA, US
Frederique Vernhes
Encinitas
CA, US
Larry S Peranich
San Diego
CA, US
Michael A Lazarus
Del Mar
CA, US
Matthias Blume
San Diego
CA, US
Agent
Robert Sachs
Glenn Patent Group
Michael A Glenn
Assignee
Fair Isaac Corporation
CA, US
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