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21. 发明授权

US08645264B2 Apparatus and methods for verifying a credit applicant's income that enhance a credit applicant's experience 有权
标题翻译：用于核实信用申请人收入的提高信用申请人经验的方法和装置
公开(公告)号：US08645264B2
公开(公告)日：2014-02-04
申请号：US12256639
申请日：2008-10-23
申请人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
发明人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/025 , G06Q30/02 , G06Q40/02
摘要： Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.
摘要翻译：用于处理贷款申请的设备和方法。该装置和方法可以涉及访问包括多个交易的金融机构客户账户; 识别属于预定交易类别的交易; 并总结交易。摘要信息可以作为收入和费用流程报告的一部分，该报告至少部分地表征账户或申请人的特征。金融机构代表可以查询数据库的摘要信息，并可选地根据贷款申请和汇总信息启动承销流程。

22. 发明授权

US08558663B2 Integration of facial recognition into cross channel authentication 有权
标题翻译：将面部识别整合到跨渠道认证中
公开(公告)号：US08558663B2
公开(公告)日：2013-10-15
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： G05B19/00
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。

23. 发明授权

US08527403B2 Lateness migration model 有权
标题翻译：延迟迁移模型
公开(公告)号：US08527403B2
公开(公告)日：2013-09-03
申请号：US12692412
申请日：2010-01-22
申请人： Yanghong Shao , Debashis Ghosh , Thayer S. Allison, Jr. , Mark V. Krein , David Joa , Kurt D. Newman , Timothy J. Bendel , Sudeshna Banerjee
发明人： Yanghong Shao , Debashis Ghosh , Thayer S. Allison, Jr. , Mark V. Krein , David Joa , Kurt D. Newman , Timothy J. Bendel , Sudeshna Banerjee
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0202 , G06Q40/025
摘要： In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods. In one embodiment, the systems, methods, and computer program products are configured to predict lateness characteristics of a lending portfolio.
摘要翻译：一般来说，本发明的实施例涉及用于预测人口迁移和分析影响迁移的程序的系统，方法和计算机程序产品。例如，提供了具有存储装置的装置，其中存储有人口信息和多个迁移因子。人口信息包括关于多个分类中的人口分布的信息。多个迁移因子中的每一个对应于多个分类的特定分类，并且指示特定分类的群体成员如何在特定时间段内迁移到其他分类。该设备还包括可通信地耦合到存储器设备并且被配置为使用迁移因子和群体信息来预测多个时间段中的多个分类中的每一个上的人口分布的变化的处理器。在一个实施例中，系统，方法和计算机程序产品被配置为预测贷款组合的延迟特性。

24. 发明申请

US20120029956A1 COMPREHENSIVE EXPOSURE ANALYSIS SYSTEM AND METHOD 审中-公开
标题翻译：综合曝光分析系统及方法
公开(公告)号：US20120029956A1
公开(公告)日：2012-02-02
申请号：US12847394
申请日：2010-07-30
申请人： Debashis Ghosh , Sudeshna Banerjee , David Joa , Hemant Kagade , Ivan Allen Marcotte , Randall John Miller , John Arthur Scowcroft
发明人： Debashis Ghosh , Sudeshna Banerjee , David Joa , Hemant Kagade , Ivan Allen Marcotte , Randall John Miller , John Arthur Scowcroft
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q30/02 , G06Q10/063 , G06Q40/00
摘要： Embodiments of the invention allow an institution to obtain a more comprehensive view of its exposure to one or more entities or groups of entities and, in some cases, to use this information to identify opportunities for and/or risks to the institution. For example, embodiments of the invention involve systems and methods for: (1) selecting an entity; (2) determining exposure to the entity in isolation; (3) determining one or more related entities based on transaction data associated with the selected entity; (4) determining exposure to the one or more related entities; and (5) combining the exposure data for the selected entity and the related entities to obtain comprehensive exposure metrics for the selected entity. Some embodiments of the invention further involve aggregating the comprehensive entity exposure metrics for several entities based on entity characteristics to create other exposure metrics, and then displaying exposure metrics to a user on a display based on user-selected entities or entity characteristics.
摘要翻译：本发明的实施例允许机构获得对其暴露于一个或多个实体或实体组的更全面的观点，并且在某些情况下使用该信息来识别机构的机会和/或风险。例如，本发明的实施例涉及用于：（1）选择一个实体的系统和方法; （2）单独确定实体的敞口; （3）基于与所选实体相关联的交易数据确定一个或多个相关实体; （4）确定对一个或多个相关实体的风险敞口; 和（5）组合所选实体的曝光数据和相关实体以获得所选实体的综合曝光度量。本发明的一些实施例还涉及基于实体特征聚合多个实体的综合实体曝光度量以创建其他曝光度量，然后基于用户选择的实体或实体特征在显示器上向用户显示曝光度量。

25. 发明申请

US20110238538A1 AGGREGATION OF CUSTOMER TRANSACTION DATA 有权
标题翻译：客户交易数据的聚合
公开(公告)号：US20110238538A1
公开(公告)日：2011-09-29
申请号：US12730706
申请日：2010-03-24
申请人： Thayer S. Allison, JR. , Sudeshna Banerjee , Debashis Ghosh , Hemant A. Kagade , Mark V. Krein , David Joa , Kurt D. Newman
发明人： Thayer S. Allison, JR. , Sudeshna Banerjee , Debashis Ghosh , Hemant A. Kagade , Mark V. Krein , David Joa , Kurt D. Newman
IPC分类号： G06Q10/00 , G06F17/30
CPC分类号： G06Q30/0185 , G06F17/30489 , G06Q30/06 , G06Q40/12
摘要： Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction records are stored when a customer conducts a transaction with a selected one of a first company and a second company. A plurality of customer transaction records are determined from a first enterprise. The plurality of customer transaction records are aggregated from the first enterprise, wherein the plurality of customer transaction records comprises records associated with the first company and records associated with the second company. The aggregated customer transaction records are communicated in response to the request.
摘要翻译：聚集客户记录以进行尽职调查以促进商业交易包括接收汇总客户交易记录的请求，其中当客户与第一公司和第二公司中的所选择的一个进行交易时，客户交易记录被存储。从第一企业确定多个客户交易记录。多个客户交易记录从第一企业聚合，其中多个客户交易记录包括与第一公司相关联的记录和与第二公司相关联的记录。汇总的客户交易记录是根据请求进行通信的。

26. 发明申请

US20110184777A1 DELINQUENCY MIGRATION MODEL 有权
标题翻译：审判移民模式
公开(公告)号：US20110184777A1
公开(公告)日：2011-07-28
申请号：US12692412
申请日：2010-01-22
申请人： Yanghong Shao , Debashis Ghosh , Thayer S. Allison, JR. , Mark V. Krein , David Joa , Kurt D. Newman , Timothy J. Bendel , Sudeshna Banerjee
发明人： Yanghong Shao , Debashis Ghosh , Thayer S. Allison, JR. , Mark V. Krein , David Joa , Kurt D. Newman , Timothy J. Bendel , Sudeshna Banerjee
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q50/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0202 , G06Q40/025
摘要： In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods. In one embodiment, the systems, methods, and computer program products are configured to predict delinquency characteristics of a credit portfolio.
摘要翻译：一般来说，本发明的实施例涉及用于预测人口迁移和分析影响迁移的程序的系统，方法和计算机程序产品。例如，提供了具有存储装置的装置，其中存储有人口信息和多个迁移因子。人口信息包括关于多个分类中的人口分布的信息。多个迁移因子中的每一个对应于多个分类的特定分类，并且指示特定分类的群体成员如何在特定时间段内迁移到其他分类。该设备还包括可通信地耦合到存储器设备并且被配置为使用迁移因子和群体信息来预测多个时间段中的多个分类中的每一个上的人口分布的变化的处理器。在一个实施例中，系统，方法和计算机程序产品被配置为预测信用投资组合的犯罪特征。

27. 发明授权

US08751342B2 Identifying potential customers using payment information 有权
标题翻译：使用付款信息识别潜在客户
公开(公告)号：US08751342B2
公开(公告)日：2014-06-10
申请号：US12652554
申请日：2010-01-05
申请人： Mark Krein , Debashis Ghosh , Thayer Allison , Kurt Newman , Yanghong Shao , Sudeshna Banerjee , David Joa
发明人： Mark Krein , Debashis Ghosh , Thayer Allison , Kurt Newman , Yanghong Shao , Sudeshna Banerjee , David Joa
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/0204 , G06Q30/0259 , G06Q40/00
摘要： Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.
摘要翻译：本公开的方面涉及被配置为识别潜在客户的计算机，其可以包括处理器和存储计算机可执行指令的存储器，所述计算机可执行指令在执行时使得计算机执行用于识别第一银行的潜在客户的方法，通过电子地接收关于第一家银行，电子地接收有关第二家银行的数据。此外，基于电子接收的数据，该方法还可以包括识别第一银行的位置，识别第二银行的位置，将第一银行的位置与第二银行的位置进行比较，确定第二银行的位置在所述第一银行的至少一个位置的预定距离内确定所述第二银行的每个位置中的一组存款帐户中的资金量，以及确定所述第二银行的每个位置中的资金量是否大于预定量。

28. 发明授权

US07917431B2 Equity protection 有权
标题翻译：股权保护
公开(公告)号：US07917431B2
公开(公告)日：2011-03-29
申请号：US11750808
申请日：2007-05-18
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 , G06Q10/00
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。

29. 发明申请

US20100299250A1 OFFSET OPTIMIZATION SYSTEM 有权
公开(公告)号：US20100299250A1
公开(公告)日：2010-11-25
申请号：US12847349
申请日：2010-07-30
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： G06Q40/00
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.

30. 发明申请

US20100274687A1 CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT 审中-公开
标题翻译：客户定义的账户管理规则，用于改进链接的财务机构账户管理
公开(公告)号：US20100274687A1
公开(公告)日：2010-10-28
申请号：US12430612
申请日：2009-04-27
申请人： Debashis Ghosh , Kurt D. Newman , David Joa , Sudeshna Banerjee , Thayer Allison , Yanghong Shao , Mark V. Krein
发明人： Debashis Ghosh , Kurt D. Newman , David Joa , Sudeshna Banerjee , Thayer Allison , Yanghong Shao , Mark V. Krein
IPC分类号： G06Q40/00 , G06N5/02 , G06Q10/00
CPC分类号： G06Q20/227 , G06Q20/10 , G06Q40/02 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to an overdraft. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures.
摘要翻译：提供系统，方法和计算机程序产品，用于与关联的金融机构帐户相关联的客户定义的金融机构帐户管理规则。本文描述的方法，系统和计算机程序产品允许客户定义使客户的回报率最大化和/或最小化导致透支帐户的资金不足的可能性的规则。因此，根据客户定义的规则，将资金自动转移到较高的回报率账户，从而最大限度地减少了非利息账户或低利息账户过剩余额的现金利用不足。另外，管理主要支付账户（例如支票或账单账户）被处理，以确保资金足以支付客户的支出。

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