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1. 发明授权

US07536002B1 System and method of intelligent call routing for cross sell offer selection based on optimization parameters or account-level data 有权
标题翻译：基于优化参数或帐户级数据的交叉销售报价选择的智能通话路由系统和方法
公开(公告)号：US07536002B1
公开(公告)日：2009-05-19
申请号：US10799712
申请日：2004-03-15
申请人： Lizhi Ma , Shane P. Pederson , Wilson Khaemba , Hui Wang , Guru Kurubarahalli , Gary Ulrich , Nitin Dhir , Djovana Shkreli
发明人： Lizhi Ma , Shane P. Pederson , Wilson Khaemba , Hui Wang , Guru Kurubarahalli , Gary Ulrich , Nitin Dhir , Djovana Shkreli
IPC分类号： H04M3/00 , H04M5/00
CPC分类号： H04M3/5141 , G06Q30/0601 , H04L67/22 , H04L67/306 , H04M3/42059 , H04M3/493 , H04M3/51 , H04M3/5166 , H04M3/5183 , H04M3/5191 , H04M3/523 , H04M3/5233 , H04M3/5235 , H04M3/5237 , H04M2203/407 , H04M2203/408
摘要： An apparatus and methods for a call routing system is disclosed whereby the call routing service provider is associated with a series of partners. By providing a system supporting not only the main user, but also the partners, efficiencies are gained through cost-spreading. Agents can be qualified to field calls for multiple business entities. Cross-selling and proactive servicing based on caller demographic and profile data can be effectuated. The system employs a centralized or global bank of shared Interactive Voice Response (IVR) units so that unnecessary post-routing and call site interflow are reduced. The system comprises a central server system that interfaces with a long distance provider so that route requests are received, caller data is retrieved from one or more databases, routing and handling strategies are developed, load balancing is effectuated, and calls are appropriately routed to one of a plurality of geographically separated call center systems with queues staffed by agents. Each call center system is designed to support various queues, and agents may be qualified or assigned to various queues based on their skill sets and skill levels.
摘要翻译：公开了一种用于呼叫路由系统的装置和方法，由此呼叫路由服务提供商与一系列伙伴相关联。通过提供不仅支持主要用户，而且还支持合作伙伴的系统，通过成本扩展获得效率。代理人可以有资格对多个业务实体进行现场呼叫。可以实现基于呼叫者人口统计和简档数据的交叉销售和主动服务。该系统采用集中式或全球性的共享交互式语音应答（IVR）单元，从而减少不必要的路由后和呼叫站点间的流量。该系统包括与长途提供商接口的中央服务器系统，以便接收路由请求，从一个或多个数据库检索呼叫者数据，开发路由和处理策略，实现负载均衡，呼叫被适当路由到一个多个地理上分离的呼叫中心系统具有由代理人组成的队列。每个呼叫中心系统被设计为支持各种队列，并且代理可以根据他们的技能组和技能水平被限定或分配给各种队列。

2. 发明授权

US08374333B1 System and method of intelligent call routing for cross sell offer selection based on optimization parameters or account-level data 有权
公开(公告)号：US08374333B1
公开(公告)日：2013-02-12
申请号：US12419478
申请日：2009-04-07
申请人： Lizhi Ma , Shane P. Pederson , Wilson Khaemba , Hui Wang , Guru Kurubarahalli , Gary Ulrich , Nitin Dhir , Djovana Shkreli
发明人： Lizhi Ma , Shane P. Pederson , Wilson Khaemba , Hui Wang , Guru Kurubarahalli , Gary Ulrich , Nitin Dhir , Djovana Shkreli
IPC分类号： H04M3/00
CPC分类号： H04M3/5141 , G06Q30/0601 , H04L67/22 , H04L67/306 , H04M3/42059 , H04M3/493 , H04M3/51 , H04M3/5166 , H04M3/5183 , H04M3/5191 , H04M3/523 , H04M3/5233 , H04M3/5235 , H04M3/5237 , H04M2203/407 , H04M2203/408
摘要： An apparatus and methods for a call routing system is disclosed whereby the call routing service provider is associated with a series of partners. By providing a system supporting not only the main user, but also the partners, efficiencies are gained through cost-spreading. Agents can be qualified to field calls for multiple business entities. Cross-selling and proactive servicing based on caller demographic and profile data can be effectuated. The system employs a centralized or global bank of shared Interactive Voice Response (IVR) units so that unnecessary post-routing and call site interflow are reduced. The system comprises a central server system that interfaces with a long distance provider so that route requests are received, caller data is retrieved from one or more databases, routing and handling strategies are developed, load balancing is effectuated, and calls are appropriately routed to one of a plurality of geographically separated call center systems with queues staffed by agents. Each call center system is designed to support various queues, and agents may be qualified or assigned to various queues based on their skill sets and skill levels.

3. 发明授权

US07606727B1 System and method for identifying optimal marketing offers 有权
标题翻译：用于识别最佳营销报价的系统和方法
公开(公告)号：US07606727B1
公开(公告)日：2009-10-20
申请号：US10461499
申请日：2003-06-16
申请人： Shane P. Pederson , Lizhi Ma , Hui Wang , Tak Wing (Edward) Lau
发明人： Shane P. Pederson , Lizhi Ma , Hui Wang , Tak Wing (Edward) Lau
IPC分类号： G06F17/30
CPC分类号： G06Q30/00 , G06Q10/06375 , G06Q30/0201
摘要： The present invention provides for a system and method for identifying optimal marketing offers in a mass marketing campaign. An optimal offer for a particular prospect at a particular time in the multi-wave campaign is determined. In accordance with one embodiment of the present invention, offer information is initially collected for each of the various offers tagged for potential inclusion into a. Each offer is analyzed to determine its eligibility for inclusion in a marketing campaign to a particular household or individual prospect within a household. A systematic evaluation of eligibility applies a plurality of predetermined criteria to each offer on a household level, a prospect level and an offer level. In this manner, offers failing such criteria may be easily removed from inclusion in the campaign. A net present value (NPV) and a net response rate may be calculated for each eligible offer to identify one or more optimal marketing offers.
摘要翻译：本发明提供了用于在大众营销活动中识别最佳营销提供的系统和方法。确定多波浪运动中特定时间的特定潜在客户的最佳报价。根据本发明的一个实施例，最初为针对潜在的包含在标签中的每个标签收集报价信息。对每个报价进行分析，以确定其是否符合纳入家庭内特定家庭或个人潜在客户营销活动的资格。系统评估资格对家庭层面，潜在客户级别和报价级别的每个报价应用多个预定标准。以这种方式，不符合这些标准的提议可能会被轻易地纳入竞选活动。可以为每个符合条件的报价计算净现值（NPV）和净回应率，以确定一个或多个最优营销报价。

4. 发明授权

US08073767B1 Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts 有权
标题翻译：加强信贷管理，价格管理和财务账目的其他酌情决定水平的方法和制度
公开(公告)号：US08073767B1
公开(公告)日：2011-12-06
申请号：US12568371
申请日：2009-09-28
申请人： Margaret S Trench , Shane P. Pederson , Tak Wing (Edward) Lau , Lizhi Ma , Hui (Stephanie) Wang , Suresh K Nair
发明人： Margaret S Trench , Shane P. Pederson , Tak Wing (Edward) Lau , Lizhi Ma , Hui (Stephanie) Wang , Suresh K Nair
IPC分类号： G06Q40/00
CPC分类号： G06Q20/403 , G06Q20/10 , G06Q20/108 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： A method and system is disclosed for enabling the accurate determination of price points (APRs), credit limits, and other discretionary levels for each cardholder that maximize Net Present Value (NPV) for the portfolio, given constraints on quantities such as risk of default. In accordance with one embodiment, the present invention uses a Markov Decision Process (MDP) methodology to generate a simplified transition matrix representative of the potential state transitions for account holders. This model applies account level historical information on purchases, payments, profitability and delinquency risk to make these decisions. In addition, a data structure is disclosed constructed to implement a transition matrix computationally in different sizes.
摘要翻译：披露了一种方法和系统，以便对每个持卡人的价格点（APR），信用额度和其他酌情级别进行准确确定，从而使投资组合的净现值（NPV）最大化，从而给出了诸如违约风险等数量的限制。根据一个实施例，本发明使用马尔可夫决策过程（MDP）方法来生成代表帐户持有者的潜在状态转换的简化转移矩阵。此模型适用于采购，付款，盈利能力和违约风险的帐户级历史信息，以作出这些决定。另外，公开了一种数据结构，用于以不同的尺寸计算地实现转换矩阵。

5. 发明授权

US07720761B2 Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts 有权
标题翻译：加强信贷管理，价格管理和财务账目的其他酌情决定水平的方法和制度
公开(公告)号：US07720761B2
公开(公告)日：2010-05-18
申请号：US10442043
申请日：2003-05-21
申请人： Margaret S. Trench , Shane P. Pederson , Tak Wing (Edward) Lau , Lizhi Ma , Hui (Stephanie) Wang , Suresh K. Nair
发明人： Margaret S. Trench , Shane P. Pederson , Tak Wing (Edward) Lau , Lizhi Ma , Hui (Stephanie) Wang , Suresh K. Nair
IPC分类号： G06Q40/00
CPC分类号： G06Q20/403 , G06Q20/10 , G06Q20/108 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： A method and system is disclosed for enabling the accurate determination of price points (APRs), credit limits, and other discretionary levels for each cardholder that maximize Net Present Value (NPV) for the portfolio, given constraints on quantities such as risk of default. In accordance with one embodiment, the present invention uses a Markov Decision Process (MDP) methodology to generate a simplified transition matrix representative of the potential state transitions for account holders. This model applies account level historical information on purchases, payments, profitability and delinquency risk to make these decisions. In addition, a data structure is disclosed constructed to implement a transition matrix computationally in different sizes.
摘要翻译：披露了一种方法和系统，以便对每个持卡人的价格点（APR），信用额度和其他酌情级别进行准确确定，从而使投资组合的净现值（NPV）最大化，从而给出了诸如违约风险等数量的限制。根据一个实施例，本发明使用马尔可夫决策过程（MDP）方法来生成代表帐户持有者的潜在状态转换的简化转移矩阵。此模型适用于采购，付款，盈利能力和违约风险的帐户级历史信息，以作出这些决定。另外，公开了一种数据结构，用于以不同的尺寸计算地实现转换矩阵。

6. 发明申请

US20170186023A1 SYSTEMS AND METHODS FOR PERFORMING MULTI-CHANNEL LEAD OPTIMIZATION FOR MARKETING 审中-公开
公开(公告)号：US20170186023A1
公开(公告)日：2017-06-29
申请号：US12099578
申请日：2008-04-08
申请人： Lizhi Ma , Gary Ulrich , Peiwu Zhao , Christopher R. Conrad
发明人： Lizhi Ma , Gary Ulrich , Peiwu Zhao , Christopher R. Conrad
IPC分类号： G06Q10/00 , G06Q30/02
CPC分类号： G06Q30/0202
摘要： The invention provides systems and method for optimizing the utilization of multiple channels in a marketing campaign, the multiple channels each being candidates for utilization in the marketing campaign. The method is implemented on a computer system. The method may include providing a mathematical representation of the candidate channels; and providing a mathematical representation of an interrelationship between the candidate channels. Further, the method may include providing a mathematical framework to optimize the utilization of the channels, the mathematical framework incorporating the mathematical representation of the candidate channels and the mathematical representation of an interrelationship between the candidate channels. The method may further include running the mathematical framework to generate results, the results including the channels to utilize in the marketing campaign and leads to utilize in such channels; and outputting the results.

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