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51. 发明申请

US20110238538A1 AGGREGATION OF CUSTOMER TRANSACTION DATA 有权
标题翻译：客户交易数据的聚合
公开(公告)号：US20110238538A1
公开(公告)日：2011-09-29
申请号：US12730706
申请日：2010-03-24
申请人： Thayer S. Allison, JR. , Sudeshna Banerjee , Debashis Ghosh , Hemant A. Kagade , Mark V. Krein , David Joa , Kurt D. Newman
发明人： Thayer S. Allison, JR. , Sudeshna Banerjee , Debashis Ghosh , Hemant A. Kagade , Mark V. Krein , David Joa , Kurt D. Newman
IPC分类号： G06Q10/00 , G06F17/30
CPC分类号： G06Q30/0185 , G06F17/30489 , G06Q30/06 , G06Q40/12
摘要： Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction records are stored when a customer conducts a transaction with a selected one of a first company and a second company. A plurality of customer transaction records are determined from a first enterprise. The plurality of customer transaction records are aggregated from the first enterprise, wherein the plurality of customer transaction records comprises records associated with the first company and records associated with the second company. The aggregated customer transaction records are communicated in response to the request.
摘要翻译：聚集客户记录以进行尽职调查以促进商业交易包括接收汇总客户交易记录的请求，其中当客户与第一公司和第二公司中的所选择的一个进行交易时，客户交易记录被存储。从第一企业确定多个客户交易记录。多个客户交易记录从第一企业聚合，其中多个客户交易记录包括与第一公司相关联的记录和与第二公司相关联的记录。汇总的客户交易记录是根据请求进行通信的。

52. 发明申请

US20110213710A1 IDENTIFICATION OF CUSTOMERS AND USE OF VIRTUAL ACCOUNTS 审中-公开
标题翻译：客户的识别和虚拟帐户的使用
公开(公告)号：US20110213710A1
公开(公告)日：2011-09-01
申请号：US13105998
申请日：2011-05-12
申请人： Kurt D. Newman , Christopher R. Griggs , Joseph A. Giordano , Debashis Ghosh , David Joa , Timothy J. Bendel , Michael James O'Hagan
发明人： Kurt D. Newman , Christopher R. Griggs , Joseph A. Giordano , Debashis Ghosh , David Joa , Timothy J. Bendel , Michael James O'Hagan
IPC分类号： G06Q40/00
CPC分类号： G06K9/00604 , G06F21/32 , G06Q10/06 , G06Q20/20 , G06Q20/40 , G06Q20/40145 , G07C9/00087 , G07F7/1008
摘要： Systems and methods for authorizing an individual for purchasing a product and/or service are described. Monetary funds of a customer of a company may be received into a monetary account of the company at the financial entity. The received monetary funds of the customer may be maintained virtually in a non-monetary account with the non-monetary account value being proportional to the received monetary funds. A determination may be made as to whether an identified customer is authorized to make a purchase with an associated payment amount. The customer may be identified by a scanned iris. Upon determining the identified customer is authorized, the non-monetary account value may be decreased proportional to the associated payment amount.
摘要翻译：描述用于授权个人购买产品和/或服务的系统和方法。公司客户的货币资金可以收到金融机构公司的货币性账户。客户收到的货币资金实际上可以维持在非货币性账户中，非货币账户的金额与收到的货币资金成正比。可以确定所识别的客户是否被授权进行具有相关联的支付金额的购买。客户可能被扫描的虹膜识别。在确定所识别的客户被授权时，非货币账户价值可以与相关联的支付金额成正比地减少。

53. 发明申请

US20110208588A1 FINANCIAL TRANSACTION DATA PROFILE 有权
标题翻译：财务交易数据概况
公开(公告)号：US20110208588A1
公开(公告)日：2011-08-25
申请号：US12712862
申请日：2010-02-25
申请人： David Joa , Kerry Cantley , Kurt D. Newman , Debashis Ghosh
发明人： David Joa , Kerry Cantley , Kurt D. Newman , Debashis Ghosh
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q30/00 , H04N1/04
CPC分类号： G06Q40/02 , G06Q30/0258 , G06Q40/00 , G06Q40/12
摘要： Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile.
摘要翻译：本发明的实施例包括开发金融交易数据简档的方法。金融工具作为图像收到，金融工具包括交易数据。交易数据从金融工具提取并上传到计算机。组织事务数据，使事务数据分组。存储类别以在金融交易简档中呈现给用户。

54. 发明申请

US20110184777A1 DELINQUENCY MIGRATION MODEL 有权
标题翻译：审判移民模式
公开(公告)号：US20110184777A1
公开(公告)日：2011-07-28
申请号：US12692412
申请日：2010-01-22
申请人： Yanghong Shao , Debashis Ghosh , Thayer S. Allison, JR. , Mark V. Krein , David Joa , Kurt D. Newman , Timothy J. Bendel , Sudeshna Banerjee
发明人： Yanghong Shao , Debashis Ghosh , Thayer S. Allison, JR. , Mark V. Krein , David Joa , Kurt D. Newman , Timothy J. Bendel , Sudeshna Banerjee
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q50/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0202 , G06Q40/025
摘要： In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods. In one embodiment, the systems, methods, and computer program products are configured to predict delinquency characteristics of a credit portfolio.
摘要翻译：一般来说，本发明的实施例涉及用于预测人口迁移和分析影响迁移的程序的系统，方法和计算机程序产品。例如，提供了具有存储装置的装置，其中存储有人口信息和多个迁移因子。人口信息包括关于多个分类中的人口分布的信息。多个迁移因子中的每一个对应于多个分类的特定分类，并且指示特定分类的群体成员如何在特定时间段内迁移到其他分类。该设备还包括可通信地耦合到存储器设备并且被配置为使用迁移因子和群体信息来预测多个时间段中的多个分类中的每一个上的人口分布的变化的处理器。在一个实施例中，系统，方法和计算机程序产品被配置为预测信用投资组合的犯罪特征。

55. 发明申请

US20110111278A1 LOW THERMAL SPREAD BATTERY MODULE 审中-公开
标题翻译：低热膨胀电池模块
公开(公告)号：US20110111278A1
公开(公告)日：2011-05-12
申请号：US12616846
申请日：2009-11-12
申请人： Debashis Ghosh , John R. Hambruch
发明人： Debashis Ghosh , John R. Hambruch
IPC分类号： H01M10/50 , H01M6/42
CPC分类号： H01M2/105 , H01M10/613 , H01M10/643 , H01M10/6555 , H01M10/6561 , H01M10/6566
摘要： A battery pack assembly having a casing enclosing stacks of cells. The casing defines a plurality of air intake chambers for receiving a flow of air and a plurality of slots diametrically opposite of the air intake chambers for dispensing the flow of air, and the air flows circumferentially through a gap around the cell walls to cool the cells. A plurality of circumferentially and radially spaced flow interrupters are disposed on at lest one of the cell wall and the casing for disrupting the flow of air to increase the heat transfer coefficient of that air.
摘要翻译：一种电池组件，其具有包围电池堆的壳体。壳体限定多个进气室，用于接收空气流和与进气室径向相对的多个狭槽，用于分配空气流，并且空气沿圆周方向流过细胞壁周围的间隙，以冷却细胞。多个周向和径向间隔的流动断路器设置在细胞壁和壳体中的至少一个上，用于破坏空气流以增加该空气的传热系数。

56. 发明申请

US20100156591A1 Facility Access Integrated With Other Security Systems 有权
标题翻译：与其他安全系统集成的设施访问
公开(公告)号：US20100156591A1
公开(公告)日：2010-06-24
申请号：US12339902
申请日：2008-12-19
申请人： Kurt D. Newman , Debashis Ghosh , Michael James O'Hagan , David Joa , Timothy J. Bendel
发明人： Kurt D. Newman , Debashis Ghosh , Michael James O'Hagan , David Joa , Timothy J. Bendel
IPC分类号： G06F7/04
CPC分类号： G08B13/2491 , G07C9/00158 , G08B25/008
摘要： Systems and methods for integrating facility access with other security systems are described. An individual seeking access authorization to a facility may be identified with a biometric parameter such as an iris scan. If authorized, the system may allow entry by disabling the alarm system, and a time period for access may be determined based on one or more characteristics associated with the individual. These characteristics may include the functional role of the individual at the facility and/or the location of the facility itself. Moreover, this facility access authorization system may be integrated with a network access authorization system associated with the facility so that when an individual gains access to the facility for a specific time period, the system is also able to determine how long the individual may access its network resources.
摘要翻译：描述了将设施访问与其他安全系统集成的系统和方法。可以用诸如虹膜扫描的生物特征参数来识别寻求对设施的访问授权的个体。如果被授权，系统可以通过禁用报警系统来允许进入，并且可以基于与个人相关联的一个或多个特征来确定访问的时间段。这些特征可能包括个人在设施和/或设施本身的位置的功能作用。此外，该设施访问授权系统可以与与设施相关联的网络访问授权系统集成，使得当个人在特定时间段内访问设施时，系统还能够确定个人可以访问其多长时间网络资源。

57. 发明申请

US20100070405A1 WIRELESS NUMBER RISK SCORES FOR USE WITH MOBILE PAYMENTS 审中-公开
标题翻译：使用移动支付的无线号码风险标准
公开(公告)号：US20100070405A1
公开(公告)日：2010-03-18
申请号：US12211987
申请日：2008-09-17
申请人： David Joa , Debashis Ghosh , David N. Joffe , Thayer Allison , Kurt D. Newman , Timothy J. Bendel , Yanghong Shao , Nancy G. Carrier , Mark Krein , Preston W. Ports, III
发明人： David Joa , Debashis Ghosh , David N. Joffe , Thayer Allison , Kurt D. Newman , Timothy J. Bendel , Yanghong Shao , Nancy G. Carrier , Mark Krein , Preston W. Ports, III
IPC分类号： G06Q40/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q20/4016 , G06Q40/00 , G06Q40/025
摘要： Apparatus and methods for evaluating risk of nonpayment for mobile payments. Wireless phone numbers with associated customer history and account information may be used as a proxy to determine risk of nonpayment. Risk scores may be continually updated with new purchase and payment information. In some embodiments, authorization for a point of sale transaction may include evaluation of the mobile wireless risk score. A low wireless number risk score may result in authorization of the transaction. A high wireless number risk score may result in denial of the transaction.
摘要翻译：用于评估移动支付不付款风险的手段和方法。可以使用具有相关客户历史和帐户信息的无线电话号码作为代理来确定不付款的风险。新的购买和付款信息可能会持续更新风险分数。在一些实施例中，销售点交易的授权可以包括移动无线风险评分的评估。低无线号码风险分数可能导致交易的授权。高无线号码风险分数可能导致拒绝交易。

58. 发明申请

US20060292610A1 Prognostic meta signatures and uses thereof 审中-公开
标题翻译：预后元签名及其用途
公开(公告)号：US20060292610A1
公开(公告)日：2006-12-28
申请号：US11447836
申请日：2006-06-06
申请人： Ronglai Shen , Debashis Ghosh , Arul Chinnaiyan
发明人： Ronglai Shen , Debashis Ghosh , Arul Chinnaiyan
IPC分类号： C12Q1/68 , G06F19/00
CPC分类号： G16B40/00 , G16B20/00 , G16B25/00
摘要： The present invention relates the novel statistical analyses of gene expression data. In particular, the present invention provides prognostic meta signatures (e.g. representing cancer samples) that identify genes with altered expression across several studies.
摘要翻译：本发明涉及基因表达数据的新统计分析。特别地，本发明提供了在多个研究中鉴定具有改变的表达的基因的预后元签名（例如代表癌症样品）。

59. 发明授权

US09457639B2 System and method of providing quick thermal comfort with reduced energy by using directed spot conditioning 有权
标题翻译：通过使用定向点调节来提供快速热舒适度并减少能量的系统和方法
公开(公告)号：US09457639B2
公开(公告)日：2016-10-04
申请号：US13442961
申请日：2012-04-10
申请人： Mingyu Wang , Prasad S. Kadle , Debashis Ghosh , Mark J. Zima , Edward Wolfe, IV , Timothy D Craig
发明人： Mingyu Wang , Prasad S. Kadle , Debashis Ghosh , Mark J. Zima , Edward Wolfe, IV , Timothy D Craig
IPC分类号： B60H1/00
CPC分类号： B60H1/00742 , B60H1/00871
摘要： A heating, ventilation, and air conditioning (HVAC) system and a method of controlling a HVAC system that is configured to provide a perceived comfortable ambient environment to an occupant seated in a vehicle cabin. The system includes a nozzle configured to direct an air stream from the HVAC system to the location of a thermally sensitive portion of the body of the occupant. The system also includes a controller configured to determine an air stream temperature and an air stream flow rate necessary to establish the desired heat supply rate for the sensitive portion and provide a comfortable thermal environment by thermally isolating the occupant from the ambient vehicle cabin temperature. The system may include a sensor to determine the location of the sensitive portion. The nozzle may include a thermoelectric device to heat or cool the air stream.
摘要翻译：一种加热，通风和空调（HVAC）系统以及一种控制HVAC系统的方法，该HVAC系统被配置为向坐在车厢内的乘员提供感觉舒适的周围环境。该系统包括被配置为将来自HVAC系统的空气流引导到乘员身体的热敏部分的位置的喷嘴。该系统还包括控制器，该控制器被配置为确定为敏感部分建立期望的供热速率所需的空气流温度和空气流量，并且通过将乘客与环境车厢温度隔离来提供舒适的热环境。系统可以包括用于确定敏感部分的位置的传感器。喷嘴可以包括用于加热或冷却空气流的热电装置。

60. 发明授权

US08751342B2 Identifying potential customers using payment information 有权
标题翻译：使用付款信息识别潜在客户
公开(公告)号：US08751342B2
公开(公告)日：2014-06-10
申请号：US12652554
申请日：2010-01-05
申请人： Mark Krein , Debashis Ghosh , Thayer Allison , Kurt Newman , Yanghong Shao , Sudeshna Banerjee , David Joa
发明人： Mark Krein , Debashis Ghosh , Thayer Allison , Kurt Newman , Yanghong Shao , Sudeshna Banerjee , David Joa
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/0204 , G06Q30/0259 , G06Q40/00
摘要： Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.
摘要翻译：本公开的方面涉及被配置为识别潜在客户的计算机，其可以包括处理器和存储计算机可执行指令的存储器，所述计算机可执行指令在执行时使得计算机执行用于识别第一银行的潜在客户的方法，通过电子地接收关于第一家银行，电子地接收有关第二家银行的数据。此外，基于电子接收的数据，该方法还可以包括识别第一银行的位置，识别第二银行的位置，将第一银行的位置与第二银行的位置进行比较，确定第二银行的位置在所述第一银行的至少一个位置的预定距离内确定所述第二银行的每个位置中的一组存款帐户中的资金量，以及确定所述第二银行的每个位置中的资金量是否大于预定量。

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