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11. 发明授权

US08447689B2 Calculating credit worthiness using transactional data 有权
标题翻译：使用交易数据计算信用额度
公开(公告)号：US08447689B2
公开(公告)日：2013-05-21
申请号：US13441309
申请日：2012-04-06
申请人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
发明人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
摘要翻译：本发明的方面提供了在确定信用和产品方面使用交易数据。本发明的其它方面提供了使用事务数据来生成财务报表和指数，供用户和/或金融机构使用。基于交易的财务报表和指数可用于进行承销和财务计划决策。

12. 发明授权

US08306894B2 Economic intelligence 有权
标题翻译：经济情报
公开(公告)号：US08306894B2
公开(公告)日：2012-11-06
申请号：US12430510
申请日：2009-04-27
申请人： Kurt Newman , Debashis Ghosh , David Joa , Tim Bendel , Mark Krein , Aaron Lai
发明人： Kurt Newman , Debashis Ghosh , David Joa , Tim Bendel , Mark Krein , Aaron Lai
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00
摘要： Aspects of the invention provide for the use of transactional data in the calculation of sub-scores that may be used in an index score. The sub-scores may include an account sub-score, an investment sub-score, and/or a discretionary sub-score. One or more sub-scores that represent an individual, an entity, or an economic sector may be used to create an index. Further aspects relate to calculating novel indices that more accurately represent and/or predict economic conditions.
摘要翻译：本发明的方面提供了在计算可用于指数得分的分数的事务数据的使用。子分数可以包括帐户子分数，投资子分数和/或酌情子分数。代表个人，实体或经济部门的一个或多个子分数可用于创建索引。其他方面涉及计算更精确地表示和/或预测经济状况的新指标。

13. 发明授权

US08190516B2 Equity protection 有权
标题翻译：股权保护
公开(公告)号：US08190516B2
公开(公告)日：2012-05-29
申请号：US12987758
申请日：2011-01-10
申请人： Debashis Ghosh , Sudeshna Banerjee , William Michael Upchurch , Robert H. Eshleman , Christopher James Trainor , Frank B. Turner
发明人： Debashis Ghosh , Sudeshna Banerjee , William Michael Upchurch , Robert H. Eshleman , Christopher James Trainor , Frank B. Turner
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： Systems and methods are illustrated for providing an equity protection product to a borrower of a loan. Aspects of the equity protection product may be implemented using an equity protection agreement. The equity protection product may be used to safeguard a borrower's investment in the event of a housing market downturn. In some examples, once the equity protection is purchased, the borrower's equity can only increase or remain stable (i.e., flat) regardless of market conditions. The payoff amount of the borrower's loan may be reduced to compensate for a change in the market value of the borrower's home. The equity protection product may be provided by a lending institution, bank, or any other comparable entity/person. A trading desk may also be used to hedge against the risk created by the equity protection product. In addition, an appraiser may also be used to evaluate and provide current market values of the relevant property.
摘要翻译：说明了向贷款借款人提供股权保护产品的制度和方法。股权保护产品的方面可以使用股权保护协议实施。房地产市场低迷时，股权保护产品可用于维护借款人的投资。在一些例子中，一旦购买了股权保护，借款人的权益只会增加或保持稳定（即持平），不论市场情况如何。可以减少借款人贷款的支付金额，以补偿借款人家庭的市值变化。股权保护产品可以由贷款机构，银行或任何其他类似实体/人员提供。交易柜台也可用于对冲股权保护产品所产生的风险。此外，估价师也可以用来评估和提供相关财产的当前市场价值。

14. 发明申请

US20110320543A1 Analyzing News Content Information 有权
标题翻译：分析新闻内容信息
公开(公告)号：US20110320543A1
公开(公告)日：2011-12-29
申请号：US12824981
申请日：2010-06-28
申请人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
发明人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
IPC分类号： G06F15/16
CPC分类号： G06F17/30719 , G06F17/2229 , G06F17/2785 , G06F17/30867 , G06Q10/10 , G06Q50/01
摘要： A system and method for analyzing news content information is disclosed. In a particular embodiment, the method includes receiving a first electronic data from a first news source, wherein the first electronic data is associated with a particular news event and receiving a second electronic data from a second news source, wherein the second electronic data is associated with the particular news event. The method also includes comparing the first and second electronic data and based on the comparison, assigning a numerical value to at least one of the first and second electronic data. The method further includes based on the numerical value assigned to at least one of the first and second electronic data, generating a third electronic data and transmitting the third electronic data to a user.
摘要翻译：公开了一种用于分析新闻内容信息的系统和方法。在特定实施例中，该方法包括从第一新闻源接收第一电子数据，其中第一电子数据与特定新闻事件相关联，并从第二新闻源接收第二电子数据，其中第二电子数据被关联与特定的新闻事件。该方法还包括比较第一和第二电子数据，并且基于比较，将数值分配给第一和第二电子数据中的至少一个。该方法还包括基于分配给第一和第二电子数据中的至少一个的数值，产生第三电子数据并将第三电子数据发送给用户。

15. 发明申请

US20110270618A1 MOBILE COMMERCE SYSTEM 审中-公开
标题翻译：移动商务系统
公开(公告)号：US20110270618A1
公开(公告)日：2011-11-03
申请号：US12770947
申请日：2010-04-30
申请人： Sudeshna Banerjee , Thayer S. Allison, JR. , Debashis Ghosh , David Joa , Kurt D. Newman , Hemant Kagade , Yanghong Shao
发明人： Sudeshna Banerjee , Thayer S. Allison, JR. , Debashis Ghosh , David Joa , Kurt D. Newman , Hemant Kagade , Yanghong Shao
IPC分类号： G06Q30/00 , G01S19/51
CPC分类号： G06Q40/02 , G06Q30/02
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing targeted product offers to a consumer's mobile device based on the consumer's current location, location history, transaction history, and purchase thresholds. Embodiments of the invention are also directed to systems, methods, and computer program products for obtaining feedback from the consumer in relation to an offer and providing a modified offer based on the feedback. In one embodiment, the feedback is a determination that a consumer is not interested in a merchant offer based on the consumer's substantially real-time location information and transaction information.
摘要翻译：本发明的实施例涉及用于基于消费者的当前位置，位置历史，交易历史和购买阈值向消费者的移动设备提供目标产品提供的系统，方法和计算机程序产品。本发明的实施例还涉及系统，方法和计算机程序产品，用于从报价中获得有关报价的反馈并根据反馈提供修改的报价。在一个实施例中，反馈是消费者基于消费者基本上实时的位置信息和交易信息对商家报价不感兴趣的确定。

16. 发明申请

US20110099191A1 Systems and Methods for Generating Results Based Upon User Input and Preferences 审中-公开
标题翻译：基于用户输入和偏好生成结果的系统和方法
公开(公告)号：US20110099191A1
公开(公告)日：2011-04-28
申请号：US12607383
申请日：2009-10-28
申请人： Debashis Ghosh , Kurt Newman , David Joa , Sudipta Chaki
发明人： Debashis Ghosh , Kurt Newman , David Joa , Sudipta Chaki
IPC分类号： G06F17/30
CPC分类号： G06Q10/00
摘要： A method and system for generating search results, comprising submitting a first search query for searching a first level database that yields high level aggregated classifications, and obtaining high level aggregated classifications based upon the first search query. The submission of a second search query based upon the high legal aggregated classifications of the first search query, and obtaining focused results based upon the second search query.
摘要翻译：一种用于生成搜索结果的方法和系统，包括提交用于搜索产生高级聚合分类的第一级数据库的第一搜索查询，以及基于第一搜索查询获得高级聚合分类。基于第一搜索查询的高合法聚合分类提交第二搜索查询，以及基于第二搜索查询获得关注的结果。

17. 发明授权

US07792727B2 Offset optimization system 有权
标题翻译：偏移优化系统
公开(公告)号：US07792727B2
公开(公告)日：2010-09-07
申请号：US12255000
申请日：2008-10-21
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/10
CPC分类号： G06Q40/02 , G06Q10/04 , G06Q20/10 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译：提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中获得资金以抵消违约债务的偏移行动中收集的金额。在操作中，本发明的实施例利用存款帐户的交易历史来检测账户的存款模式，并且基于检测到的模式，将下一笔大额存款的日期预测到可装修账户。然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。

18. 发明申请

US20090140838A1 INTEGRATION OF FACIAL RECOGNITION INTO CROSS CHANNEL AUTHENTICATION 有权
标题翻译：将通识认证纳入跨渠道认证
公开(公告)号：US20090140838A1
公开(公告)日：2009-06-04
申请号：US11947972
申请日：2007-11-30
申请人： Kurt D. Newman , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Thayer S. Allison, JR.
发明人： Kurt D. Newman , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Thayer S. Allison, JR.
IPC分类号： G06K9/64
CPC分类号： G07F19/20 , G06Q20/40 , G06Q20/40145 , G07C9/00087 , G07C9/00158 , G07F19/207
摘要： Real time facial images of individuals transacting accounts held in a bank facility are taken following the grant of authorization to the individual to access the account under the bank's required identification protocol, the real time facial images being matched to recorded facial images of account holders maintained by the bank to further authenticate the transacting individual as having authorized account access.
摘要翻译：在根据银行要求的身份认证协议授予个人访问帐户的授权之后，采取在银行设施中持有的个人交易帐户的实时面部图像，实时面部图像与记录的账户持有人的脸部图像相匹配银行进一步认证交易人员具有授权帐户访问权限。

19. 发明授权

US07506682B2 Liquid cooled thermosiphon for electronic components 失效
标题翻译：液体冷却热电偶用于电子部件
公开(公告)号：US07506682B2
公开(公告)日：2009-03-24
申请号：US11040989
申请日：2005-01-21
申请人： Mohinder Singh Bhatti , Debashis Ghosh , Ilya Reyzin
发明人： Mohinder Singh Bhatti , Debashis Ghosh , Ilya Reyzin
IPC分类号： F28D15/00 , F28F7/00 , H05K7/20
CPC分类号： H01L23/427 , H01L2924/0002 , H01L2924/00
摘要： A fluid heat exchanger assembly cools an electronic device with a cooling fluid supplied from a heat extractor (R, F) to an upper portion of a housing. A refrigerant is disposed in a lower portion of the housing for liquid-to-vapor transformation. A partition divides the upper portion of the housing from the lower portion and flow interrupters are disposed in the upper portion for interrupting thermal boundary layer to enhance thermal heat transfer to the flow of liquid coolant through the coolant passage of the upper portion in response to heat transferred by an electronic device to the lower portion of the housing.
摘要翻译：流体热交换器组件将电子设备与从散热器（R，F）供应到壳体的上部的冷却流体冷却。制冷剂设置在壳体的下部以进行液体 - 蒸汽转化。分隔件将壳体的上部与下部分隔开，并且流动断流器设置在上部中，用于中断热边界层，以增强热传递到通过上部的冷却剂通道的液体冷却剂流的响应于热量通过电子设备传送到壳体的下部。

20. 发明申请

US20080200110A1 Box vane mixing element for automotive heating, ventilating and air conditioning system 审中-公开
标题翻译：箱式叶片混合元件，用于汽车加热，通风和空调系统
公开(公告)号：US20080200110A1
公开(公告)日：2008-08-21
申请号：US11475563
申请日：2006-06-27
申请人： Debashis Ghosh , Garrett Wade Hoehn
发明人： Debashis Ghosh , Garrett Wade Hoehn
IPC分类号： B60H1/34
CPC分类号： B60H1/00671 , B60H2001/00721
摘要： An HVAC housing assembly includes a novel structure to aid the mixing of hot and cold air downstream of the evaporator and heater core. One or more variable nozzles are carried for displacement with the temperature door for accelerating some of the cold air stream through an internal housing opening and varying the cold air stream impingement angle with the hot air stream at their point of confluence to establish secondary mixing sites and substantially improving the resulting heat transfer coefficient.
摘要翻译： HVAC外壳组件包括一种新颖的结构，以帮助蒸发器和加热器芯下游的冷热空气的混合。一个或多个可变喷嘴被承载用于与温度门一起移位，用于通过内部壳体开口加速一些冷空气流，并在其汇合点改变与空气流的冷空气流冲击角，以建立二次混合位置，大大改善了所得到的传热系数。

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