Glen Becker - San Antonio TX, US Yifan Cui - Helotes TX, US Charlotte Hamner - San Antonio TX, US
Assignee:
United Services Automobile Association (USAA) - San Antonio TX
International Classification:
G06Q 40/00
US Classification:
705 35, 705 38
Abstract:
Systems and methods for credit card relationship derivation from historic data are provided. A single credit card relationship between a membership organization and a member can be very long-lived and identified by many different account numbers over time. For example, a new card with a new number can be issued if the card is lost, stolen, the member changes the card type (Standard, Gold or Platinum) or the card number is thought to be compromised. Sometimes, data security compromises committed by third-parties can result in a simultaneous mass re-issue of many cards. Various embodiments of the present invention create a common key and ordinal numbers that identifies the account throughout its life by resolving ambiguities and inconsistencies in historical data.
Usaa
Director of Credit Risk Modeling Analytics
Usaa Mar 2009 - Sep 2013
Manager Credit Risk Modeling
Hsbc Aug 2004 - Mar 2009
Manager Corporate Information Management
Iri Aug 1998 - Aug 2004
Manager
Education:
Peking University
Masters
Peking University
Bachelors
Beijing University
Masters
University of Maryland
Masters, Demography
Skills:
Sas Analytics Credit Risk Risk Management Banking Program Management Portfolio Management Credit Cards Financial Services Predictive Modeling Financial Risk Data Mining Statistical Modeling Financial Modeling Credit