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1. 发明授权

US08577776B2 Risk and reward assessment mechanism 有权
标题翻译：风险和报酬评估机制
公开(公告)号：US08577776B2
公开(公告)日：2013-11-05
申请号：US13618121
申请日：2012-09-14
申请人： Agus Sudjianto , Michael Chorba , Daniel Hudson , Sandi Setiawan , Jocelyn Sikora , Harsh Singhal , Kiran Vuppu , Kaloyan Mihaylov , Jie Chen , Timothy J. Breault , Arun R. Pinto , Naveen G. Yeri , Benhong Zhang , Zhe Zhang , Tony Nobili , Hungien Wang , Aijun Zhang
发明人： Agus Sudjianto , Michael Chorba , Daniel Hudson , Sandi Setiawan , Jocelyn Sikora , Harsh Singhal , Kiran Vuppu , Kaloyan Mihaylov , Jie Chen , Timothy J. Breault , Arun R. Pinto , Naveen G. Yeri , Benhong Zhang , Zhe Zhang , Tony Nobili , Hungien Wang , Aijun Zhang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q10/04 , G06Q30/02
摘要： A data driven and forward looking risk and reward appetite methodology for consumer and small business is described. The methodology includes account level historical data collection for customers associated with accounts as part of a portfolio. The account level historical data is segmented into groups of customers with similar revenues and loss characteristics. Segmented data is decomposed into seasoning, vintage, and cycle effects. Statistical clusters are formed based upon the data and effects. A simulation is applied to the statistical clusters and prediction data is generated. A simulation strategy to forecast and simulate revenue and loss volatility is developed. Efficient frontier curves of risk (e.g., return volatility) and reward (e.g., expected return) are created for the current portfolio under various economic scenarios.
摘要翻译：描述了消费者和小企业的数据驱动和前瞻性风险和奖励食欲方法。该方法包括与帐户相关联的客户的帐户级历史数据收集作为投资组合的一部分。账户级别的历史数据被分为具有相似收入和损失特征的客户群体。分段数据分解为调味料，复古和循环效应。基于数据和效果形成统计群集。将仿真应用于统计集群，生成预测数据。开发了一种预测和模拟收入和损失波动率的模拟策略。在各种经济情景下为当前投资组合创建有效的边际风险曲线（例如回报波动性）和报酬（例如预期收益）。

2. 发明授权

US08326723B2 Risk and reward assessment mechanism 有权
标题翻译：风险和报酬评估机制
公开(公告)号：US08326723B2
公开(公告)日：2012-12-04
申请号：US12546807
申请日：2009-08-25
申请人： Agus Sudjianto , Michael Chorba , Daniel Hudson , Sandi Setiawan , Jocelyn Sikora , Harsh Singhal , Kiran Vuppu , Kaloyan Mihaylov , Jie Chen , Timothy J. Breault , Arun R. Pinto , Naveen G. Yeri , Benhong Zhang , Zhe Zhang , Tony Nobili , Hungien Wang , Aijun Zhang
发明人： Agus Sudjianto , Michael Chorba , Daniel Hudson , Sandi Setiawan , Jocelyn Sikora , Harsh Singhal , Kiran Vuppu , Kaloyan Mihaylov , Jie Chen , Timothy J. Breault , Arun R. Pinto , Naveen G. Yeri , Benhong Zhang , Zhe Zhang , Tony Nobili , Hungien Wang , Aijun Zhang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q10/04 , G06Q30/02
摘要： A data driven and forward looking risk and reward appetite methodology for consumer and small business is described. The methodology includes customer segmentation to create pools of homogeneous assets in terms of revenue and loss characteristics, forward looking simulation to forecast expected values and volatilities of revenue and loss, and risk and reward optimization of the portfolio. One methodology used for modeling revenue and loss is a generalized additive effect decomposition model to fit historical data. Based on the model, a segmentation procedure is performed, which allows for creation of groups of customers with similar revenue and loss characteristics. An estimation procedure for the model is developed and a simulation strategy to forecast and simulate revenue and loss volatility is developed. Efficient frontier curves of risk (e.g., return volatility) and reward (e.g., expected return) are created for the current portfolio under various economic scenarios.
摘要翻译：描述了消费者和小企业的数据驱动和前瞻性风险和奖励食欲方法。该方法包括客户细分，以便在收入和损失特征方面创建同质资产池，前瞻性模拟以预测收益和损失的预期值和波动率，以及投资组合的风险和报酬优化。用于建模收入和损失的一种方法是广义加和效应分解模型，以适应历史数据。基于该模型，执行分割程序，其允许创建具有类似收入和损失特征的客户群体。开发了模型的估计程序，并开发了一种预测和模拟收入和损失波动性的模拟策略。在各种经济情景下为当前投资组合创建有效的边际风险曲线（例如回报波动性）和报酬（例如预期收益）。

3. 发明申请

US20100293107A1 Risk and Reward Assessment Mechanism 有权
标题翻译：风险和奖励评估机制
公开(公告)号：US20100293107A1
公开(公告)日：2010-11-18
申请号：US12546807
申请日：2009-08-25
申请人： Agus Sudjianto , Michael Chorba , Daniel Hudson , Sandi Setiawan , Jocelyn Sikora , Harsh Singhal , Kiran Vuppu , Kaloyan Mihaylov , Jie Chen , Timothy J. Breault , Arun R. Pinto , Naveen G. Yeri , Benhong Zhang , Zhe Zhang , Tony Nobili , Hungien Wang , Aijun Zhang
发明人： Agus Sudjianto , Michael Chorba , Daniel Hudson , Sandi Setiawan , Jocelyn Sikora , Harsh Singhal , Kiran Vuppu , Kaloyan Mihaylov , Jie Chen , Timothy J. Breault , Arun R. Pinto , Naveen G. Yeri , Benhong Zhang , Zhe Zhang , Tony Nobili , Hungien Wang , Aijun Zhang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q10/04 , G06Q30/02
摘要： A data driven and forward looking risk and reward appetite methodology for consumer and small business is described. The methodology includes customer segmentation to create pools of homogeneous assets in terms of revenue and loss characteristics, forward looking simulation to forecast expected values and volatilities of revenue and loss, and risk and reward optimization of the portfolio. One methodology used for modeling revenue and loss is a generalized additive effect decomposition model to fit historical data. Based on the model, a segmentation procedure is performed, which allows for creation of groups of customers with similar revenue and loss characteristics. An estimation procedure for the model is developed and a simulation strategy to forecast and simulate revenue and loss volatility is developed. Efficient frontier curves of risk (e.g., return volatility) and reward (e.g., expected return) are created for the current portfolio under various economic scenarios.
摘要翻译：描述了消费者和小企业的数据驱动和前瞻性风险和奖励食欲方法。该方法包括客户细分，以便在收入和损失特征方面创建同质资产池，前瞻性模拟以预测收益和损失的预期值和波动率，以及投资组合的风险和报酬优化。用于建模收入和损失的一种方法是广义加和效应分解模型，以适应历史数据。基于该模型，执行分割程序，其允许创建具有类似收入和损失特征的客户群体。开发了模型的估计程序，并开发了一种预测和模拟收入和损失波动性的模拟策略。在各种经济情景下为当前投资组合创建有效的边际风险曲线（例如回报波动性）和报酬（例如预期收益）。

4. 发明申请

US20130073481A1 Risk and Reward Assessment Mechanism 有权
标题翻译：风险和奖励评估机制
公开(公告)号：US20130073481A1
公开(公告)日：2013-03-21
申请号：US13618121
申请日：2012-09-14
申请人： Agus Sudjianto , Michael Chorba , Daniel Hudson , Sandi Setiawa , Jocelyn Sikora , Harsh Singhal , Kiran Vuppo , Kaloyan Mihaylov , Jie Chen , Timothy J. Breault , Arun R. Pinto , Naveen G. Yeri , Benhong Zhang , Zhe Zhang , Tony Nobili , Hungien Wang , Aijun Zhang
发明人： Agus Sudjianto , Michael Chorba , Daniel Hudson , Sandi Setiawa , Jocelyn Sikora , Harsh Singhal , Kiran Vuppo , Kaloyan Mihaylov , Jie Chen , Timothy J. Breault , Arun R. Pinto , Naveen G. Yeri , Benhong Zhang , Zhe Zhang , Tony Nobili , Hungien Wang , Aijun Zhang
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06 , G06Q10/04 , G06Q30/02
摘要： A data driven and forward looking risk and reward appetite methodology for consumer and small business is described. The methodology includes account level historical data collection for customers associated with accounts as part of a portfolio. The account level historical data is segmented into groups of customers with similar revenues and loss characteristics. Segmented data is decomposed into seasoning, vintage, and cycle effects. Statistical clusters are formed based upon the data and effects. A simulation is applied to the statistical clusters and prediction data is generated. A simulation strategy to forecast and simulate revenue and loss volatility is developed. Efficient frontier curves of risk (e.g., return volatility) and reward (e.g., expected return) are created for the current portfolio under various economic scenarios.
摘要翻译：描述了消费者和小企业的数据驱动和前瞻性风险和奖励食欲方法。该方法包括与帐户相关联的客户的帐户级历史数据收集作为投资组合的一部分。账户级别的历史数据被分为具有相似收入和损失特征的客户群体。分段数据分解为调味料，复古和循环效应。基于数据和效果形成统计群集。将仿真应用于统计集群，生成预测数据。开发了一种预测和模拟收入和损失波动率的模拟策略。在各种经济情景下为当前投资组合创建有效的边际风险曲线（例如回报波动性）和报酬（例如预期收益）。

5. 发明申请

US20090148090A1 Stamped inner or outer races 审中-公开
标题翻译：冲压的内部或外部种族
公开(公告)号：US20090148090A1
公开(公告)日：2009-06-11
申请号：US12315340
申请日：2008-12-02
申请人： Nathan Daniel Hudson
发明人： Nathan Daniel Hudson
IPC分类号： F16C33/64 , B21K1/04
CPC分类号： F16C33/64 , B21D53/10 , F16C33/588 , Y10T29/49689
摘要： An inner race or and outer race, including: a first annular portion with a first radial surface at a first end of the race; and a second annular portion formed from a same piece of material as the first portion, at least partially in contact with the first portion, the second portion having a second radial surface at the first end of the race, the second radial surface separate from the first radial surface at the first end of the race. In one embodiment, the first and second radial surfaces are substantially orthogonal to a longitudinal axis for the race. The inner race includes a third annular portion disposed at a second end of the race, opposite the first end, and formed from the same piece of material. The first and second annular portions extend from the third annular portion to the first end of the race.
摘要翻译：内圈或外圈，包括：第一环形部分，其具有位于所述座圈的第一端的第一径向表面; 以及第二环形部分，其由与所述第一部分相同的材料构成，至少部分地与所述第一部分接触，所述第二部分在所述座圈的第一端处具有第二径向表面，所述第二径向表面与所述第二部分分离，第一径向表面在比赛的第一端。在一个实施例中，第一和第二径向表面基本上垂直于用于赛跑的纵向轴线。所述内圈包括设置在所述座圈的与所述第一端相对的第二端处的第三环形部分，并且由相同的材料片形成。第一和第二环形部分从第三环形部分延伸到座圈的第一端。

6. 外观设计

USD508565S1 Data collection unit 失效
标题翻译：资料收集单位
公开(公告)号：USD508565S1
公开(公告)日：2005-08-16
申请号：US29204181
申请日：2004-04-26
申请人： Paul Nephin , Ross Daniel Hudson , Vincent Somoza
设计人： Paul Nephin , Ross Daniel Hudson , Vincent Somoza

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