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11. 发明申请

US20110054981A1 Analyzing Local Non-Transactional Data with Transactional Data in Predictive Models 审中-公开
标题翻译：在预测模型中分析具有事务数据的本地非事务数据
公开(公告)号：US20110054981A1
公开(公告)日：2011-03-03
申请号：US12614603
申请日：2009-11-09
申请人： Patrick L. Faith , Kevin P. Siegel
发明人： Patrick L. Faith , Kevin P. Siegel
IPC分类号： G06Q30/00 , G06Q99/00 , G06Q10/00 , G06Q50/00
CPC分类号： G06Q30/02 , G06Q30/0224 , G06Q30/0269
摘要： Systems and methods are provided that empowers various parties to combine transactional data and local non-transactional data using the collective intelligence gathered from a variety of sources to help the parties make more intelligent decisions relating to consumers. For example, the system can help select consumers based on the probability that the consumers will take advantage of an offer, coupon, or other item. In some embodiments, the present invention can be deployed as a part of a system that processes transactions. In this system, information associated with the transactions is analyzed in conjunction with non-transactional data in order to probabilistically determine whether a further action should be taken with the consumer.
摘要翻译：提供了系统和方法，使各方能够使用从各种来源收集的集体情报组合事务数据和本地非交易数据，以帮助各方作出与消费者有关的更明智的决策。例如，系统可以根据消费者将利用优惠券，优惠券或其他商品的概率来帮助选择消费者。在一些实施例中，本发明可以部署为处理事务的系统的一部分。在该系统中，与事务相关联的信息与非交易数据一起被分析，以便概率地确定是否应该与消费者进行进一步的动作。

12. 发明授权

US06598030B1 Method and apparatus for pattern generation 有权
标题翻译：用于图案生成的方法和装置
公开(公告)号：US06598030B1
公开(公告)日：2003-07-22
申请号：US09454696
申请日：1999-12-03
申请人： Kevin P. Siegel , Patrick L. Faith , Theodore P. Washburne
发明人： Kevin P. Siegel , Patrick L. Faith , Theodore P. Washburne
IPC分类号： G06F1760
CPC分类号： G07F7/08 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q40/025 , G06Q40/08
摘要： Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data feature for assessing credit risks. The financial data feature is extracted from the transaction data. The method involves obtaining the transaction data from a data source, and performing a set of operations on the transaction data to transform the transaction data into the financial data feature. The set of operations is selected only from a predefined set of classes of operations which are interrelated by a predefined order of precedence. Each operation in the set of operations is performed in an order based on the predefined order of precedence of a class associated with each operator.
摘要翻译：公开了将可分级交易数据转换为财务数据特征的方法和装置。一方面，计算机实现的方法将交易数据转换成用于评估信用风险的财务数据特征。从交易数据中提取财务数据特征。该方法涉及从数据源获取交易数据，并且对交易数据执行一组操作以将交易数据转换为财务数据特征。该组操作仅从预定义的优先级顺序相关联的预定义的一组操作中选择。基于与每个运算符相关联的类的预定义优先级顺序，以该顺序执行该组操作中的每个操作。

13. 发明申请

US20170300940A1 DETERMINING TARGETED INCENTIVES BASED ON CONSUMER TRANSACTION HISTORY 审中-公开
公开(公告)号：US20170300940A1
公开(公告)日：2017-10-19
申请号：US15635543
申请日：2017-06-28
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q30/02
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods for determining incentives based on consumer history. When, how, and to whom incentives are sent can be determined. For example, an incentive can be sent to a consumer to encourage a transaction at a time when the particular consumer is predisposed to initiate the transaction. Also, an incentive for a transaction can be sent to a consumer when that transaction has a high likelihood of leading to other transactions. An incentive can also be sent after a consumer initiates a transaction that is known to not have many subsequent transaction correlated to it.

14. 发明申请

US20100280950A1 TRANSACTION AUTHORIZATION USING TIME-DEPENDENT TRANSACTION PATTERNS 审中-公开
标题翻译：使用时间相关交易模式的交易授权
公开(公告)号：US20100280950A1
公开(公告)日：2010-11-04
申请号：US12773767
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q40/00
摘要： Systems, apparatus, and methods for authorizing a transaction initiated by a consumer are provided. A likelihood function can approximate a pattern of previous transactions and provide a measure of how likely it is for a transaction to occur as a function of time. The time of a current transaction can be used to determine a corresponding likelihood value of a likelihood function associated with the transaction. The likelihood value can then be used to determine a score for authorizing the transaction. As the likelihood corresponds to a particular time of a pattern, the score can be tailored to the current transaction and achieve greater accuracy.
摘要翻译：提供了用于授权由消费者发起的交易的系统，装置和方法。似然函数可以近似先前交易的模式，并提供衡量交易作为时间的函数发生的可能性。可以使用当前事务的时间来确定与事务相关联的似然函数的对应似然值。然后，可能性值可用于确定授权交易的分数。由于可能性对应于模式的特定时间，因此可以根据当前事务量化分数并实现更高的准确性。

15. 发明申请

US20100280882A1 FREQUENCY-BASED TRANSACTION PREDICTION AND PROCESSING 有权
标题翻译：基于频率的交易预测与处理
公开(公告)号：US20100280882A1
公开(公告)日：2010-11-04
申请号：US12773770
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q10/00
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Methods, apparatus, and systems are provided for tracking and analyzing data of consumer activity. The tracked data can be organized (e.g. as stored in cache, RAM, hard drives) in certain types of tables, where the tables can be associated with certain tags (keys) for efficiently accessing the data. The organization and associations of the data can also provide simple mechanisms for manipulating the data to obtain results specifically relevant for a task, such as detection of fraud or prediction of consumer behavior to provide better customer service or new services. For example, the tables may contain counters that store the number of times that two correlated consumer events occur within specific time intervals of each other. Such time data can provide efficient determination of patterns of consumer activity.
摘要翻译：提供了方法，装置和系统来跟踪和分析消费者活动的数据。跟踪的数据可以在特定类型的表中被组织（例如，存储在高速缓存，RAM，硬盘驱动器中），其中表可以与用于有效访问数据的某些标签（键）相关联。数据的组织和关联也可以提供操纵数据以获得与任务特别相关的结果的简单机制，例如检测欺诈或预测消费者行为以提供更好的客户服务或新服务。例如，表可以包含存储两个相关消费者事件在彼此的特定时间间隔内发生的次数的计数器。这样的时间数据可以有效地确定消费者活动的模式。

16. 发明申请

US20100057622A1 Distributed Quantum Encrypted Pattern Generation And Scoring 审中-公开
标题翻译：分布式量子加密模式生成与评分
公开(公告)号：US20100057622A1
公开(公告)日：2010-03-04
申请号：US12614664
申请日：2009-11-09
申请人： Patrick L. Faith , Kevin P. Siegel
发明人： Patrick L. Faith , Kevin P. Siegel
IPC分类号： G06Q40/00 , H04L9/30 , G06Q10/00 , G06N5/02
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/3829 , G06Q20/401 , G06Q20/4016 , G06Q20/403 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： Transaction scoring is performed in a distributed manner across a client-server computing system. A computing system for processing a transaction includes a server system and a client system. The server system is arranged to process information associated with the transaction, while the client system communicates with the server system and includes a key engine which is arranged to generate keys. The client system and the server system are arranged to cooperate to make probabilistic determinations associated with the transaction. The client is arranged to send the keys generated by the key engine as a transaction to the server system.
摘要翻译：通过客户端 - 服务器计算系统以分布式方式执行事务评分。用于处理事务的计算系统包括服务器系统和客户端系统。服务器系统被布置为处理与事务相关联的信息，而客户端系统与服务器系统通信并且包括被配置为生成密钥的密钥引擎。安排客户端系统和服务器系统进行协作以进行与交易相关联的概率确定。客户端被安排为将密钥引擎生成的密钥作为事务发送到服务器系统。

17. 发明申请

US20100280881A1 DEMOGRAPHIC ANALYSIS USING TIME-BASED CONSUMER TRANSACTION HISTORIES 审中-公开
标题翻译：使用基于时间的消费者交易历史的人口统计分析
公开(公告)号：US20100280881A1
公开(公告)日：2010-11-04
申请号：US12773766
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel , Zhongxiao Jiang
发明人： Patrick Faith , Kevin P. Siegel , Zhongxiao Jiang
IPC分类号： G06Q10/00 , G06N5/02 , G06N3/02
摘要： Systems, apparatus, and methods for determining groups of similar consumers and for identifying a trend in consumer behavior are provided. Likelihoods of a transaction being initiated at various times by one consumer can be calculated based on previous transactions of the consumer. The likelihoods for different consumers can be used to determine a group of similar consumers as a demographic. The likelihoods of a transaction being initiated at various times by a consumer of a demographic (or other entity) can be used to forecast trends (such as a demand for a product) and make business decisions, such as for marketing campaigns, inventory levels (e.g. at particular stores or for all stores), pricing, and store locations. Such likelihoods when focused to a particular category of transactions can provide even greater accuracy.
摘要翻译：提供了用于确定类似消费者群体并识别消费者行为趋势的系统，装置和方法。可以根据消费者的先前交易来计算在一个消费者的不同时间发起的交易的可能性。不同消费者的可能性可用于确定一组类似消费者的人口。消费者可以使用人口统计（或其他实体）在不同时间启动交易的可能性来预测趋势（例如对产品的需求），并做出业务决策，例如营销活动，库存水平（例如在特定商店或所有商店），定价和商店位置。当专注于特定类别的交易时，这种可能性可以提供更高的准确性。

18. 发明授权

US6018723A Method and apparatus for pattern generation 失效
公开(公告)号：US6018723A
公开(公告)日：2000-01-25
申请号：US863443
申请日：1997-05-27
申请人： Kevin P. Siegel , Patrick L. Faith , Theodore P. Washburne
发明人： Kevin P. Siegel , Patrick L. Faith , Theodore P. Washburne
IPC分类号： G06Q20/10 , G06Q20/40 , G07F7/08 , G06F17/60
CPC分类号： G07F7/08 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q40/025 , G06Q40/08
摘要： Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data feature for assessing credit risks. The financial data feature is extracted from the transaction data. The method involves obtaining the transaction data from a data source, and performing a set of operations on the transaction data to transform the transaction data into the financial data feature. The set of operations is selected only from a predefined set of classes of operations which are interrelated by a predefined order of precedence. Each operation in the set of operations is performed in an order based on the predefined order of precedence of a class associated with each operator.

19. 发明申请

US20100280880A1 DETERMINING TARGETED INCENTIVES BASED ON CONSUMER TRANSACTION HISTORY 有权
标题翻译：根据消费者交易历史确定目标激励
公开(公告)号：US20100280880A1
公开(公告)日：2010-11-04
申请号：US12773765
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q30/00 , G06Q10/00 , G06N5/02 , G06F15/16
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods for determining incentives based on consumer history. When, how, and to whom incentives are sent can be determined. For example, an incentive can be sent to a consumer to encourage a transaction at a time when the particular consumer is predisposed to initiate the transaction. Also, an incentive for a transaction can be sent to a consumer when that transaction has a high likelihood of leading to other transactions. An incentive can also be sent after a consumer initiates a transaction that is known to not have many subsequent transaction correlated to it.
摘要翻译：基于消费者历史确定奖励的制度，设备和方法。何时，如何以及向谁发送奖励可以确定。例如，当特定消费者倾向于启动交易时，可以向消费者发送激励以鼓励交易。此外，当交易有可能导致其他交易时，可以向消费者发送交易的激励。也可以在消费者发起已知没有与之相关的许多后续交易的交易之后发送激励。

20. 发明授权

US07227950B2 Distributed quantum encrypted pattern generation and scoring 有权
标题翻译：分布式量子加密模式生成和评分
公开(公告)号：US07227950B2
公开(公告)日：2007-06-05
申请号：US10085641
申请日：2002-02-26
申请人： Patrick L. Faith , Kevin P. Siegel
发明人： Patrick L. Faith , Kevin P. Siegel
IPC分类号： H04L9/00
CPC分类号： G06Q30/06 , G06Q20/382 , G06Q40/02 , G06Q40/025
摘要： Transaction scoring is performed in a distributed manner across a client-server computing system. A computing system for processing a transaction includes a server system and a client system. The server system is arranged to process information associated with the transaction, while the client system communicates with the server system and includes a key engine which is arranged to generate keys. The client system and the server system are arranged to cooperate to assess risk associated with the transaction. The client is arranged to send the keys generated by the key engine as a transaction to the server system.
摘要翻译：通过客户端 - 服务器计算系统以分布式方式执行事务评分。用于处理事务的计算系统包括服务器系统和客户端系统。服务器系统被布置为处理与事务相关联的信息，而客户端系统与服务器系统通信并且包括被配置为生成密钥的密钥引擎。安排客户系统和服务器系统合作评估与交易相关的风险。客户端被安排为将密钥引擎生成的密钥作为事务发送到服务器系统。

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