{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8543499","patent":{"patent_number":"US-8543499","title":"Reducing risks related to check verification","assignee":null,"inventors":[],"filing_date":"2006-12-22T00:00:00.000Z","publication_date":"2013-09-24T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q"],"num_claims":18,"abstract":"Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide scores that describe a consumers spending capability, tradeline history including balance transfers, and balance information. Share of wallet scores can be used as a parameter for determining whether or not to accept and/or guarantee a check. The share of wallet can be used to calculate a risk value of a customer. For example, the scores can weight one or more factors related to the check writer and differentiate between a low-risk customer and a high-risk customer."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Reducing risks related to check verification","description":"Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide scores that describe a consumers spending capability, tradeline history including balance transfers, and ba","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8543499","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8543499","citation_suggestion":"Patentable. \"Reducing risks related to check verification\" (US-8543499). https://patentable.app/patents/US-8543499","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8543499","json":"https://patentable.app/api/llm-context/US-8543499","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T19:15:46.714Z"}