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1. 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。

2. 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。

3. 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。

4. 发明授权

US07467106B1 System and method for offer management 有权
标题翻译：报价管理系统和方法
公开(公告)号：US07467106B1
公开(公告)日：2008-12-16
申请号：US10869905
申请日：2004-06-18
申请人： Adam Michael Levine , Shane P. Pederson , Tak Wing (Edward) Lau
发明人： Adam Michael Levine , Shane P. Pederson , Tak Wing (Edward) Lau
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q10/04 , G06Q30/0211 , G06Q30/0224 , G06Q30/0229 , G06Q40/00
摘要： A method for offer management may comprise: providing a plurality of offers for targeting at a plurality of accounts based on a plurality of business rules; prioritizing the plurality of offers; grouping the accounts based on their qualification for each offer in accordance with the business rules; optimizing the business rules based on the prioritization of the offers and the grouping of the accounts, such that each offer is associated with at least a predetermined number of accounts; imposing a volume limit or weight limit for offers assigned to each account; incorporating the offers into communications associated with the plurality of accounts based on the optimized business rules and the volume limit or weight limit; and managing production of the communications based on at least one simulation, wherein the at least one simulation is performed based on data associated with the offers, business rules and the accounts.
摘要翻译：提供管理的方法可以包括：基于多个业务规则提供用于在多个帐户上定位的多个提议; 优先考虑多个优惠; 根据业务规则对每个报价的资格进行分组; 根据提议的优先级和帐户的分组优化业务规则，使得每个报价与至少预定数量的账户相关联; 对分配给每个帐户的优惠征收限额或重量限制; 基于优化的业务规则和体积限制或权重限制，将提供与多个帐户相关联的通信; 以及基于至少一个模拟管理所述通信的生产，其中所述至少一个模拟基于与所述提议，业务规则和所述帐户相关联的数据来执行。

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