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51. 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。

52. 发明授权

US09135419B2 Environmental adjustments using biometrics 有权
标题翻译：使用生物识别技术进行环境调整
公开(公告)号：US09135419B2
公开(公告)日：2015-09-15
申请号：US12697751
申请日：2010-02-01
申请人： Kurt D. Newman , David Joa , Debashis Ghosh , Timothy J. Bendel , Mark V. Krein
发明人： Kurt D. Newman , David Joa , Debashis Ghosh , Timothy J. Bendel , Mark V. Krein
IPC分类号： G06F21/32 , G06Q20/40
CPC分类号： G06F21/32 , G06Q20/40145 , G07C9/00 , G07F9/105
摘要： Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.
摘要翻译：描述了使用生物识别技术进行环境调整的系统和方法。可以接收个体的扫描的生物特征参数，并且可以确定个体的扫描的生物特征参数是否与多个存储的生物特征参数的存储的生物统计参数匹配。生物特征参数包括视网膜图像，DNA和语音样本。如果存在匹配，则可以基于存储的生物特征参数来识别个体。可以确定基于所识别的个体在至少一个设备上进行的至少一次调整。所述至少一个装置可以被配置用于修改所识别的个体的环境状况。可以发送用于实现所确定的至少一个调整的至少一个指令。调节可以是对装置的物理调整，例如椅子的高度。

53. 发明申请

US20110187500A1 Environmental Adjustments Using Biometrics 有权
标题翻译：使用生物特征的环境调整
公开(公告)号：US20110187500A1
公开(公告)日：2011-08-04
申请号：US12697751
申请日：2010-02-01
申请人： Kurt D. Newman , David Joa , Debashis Ghosh , Timothy J. Bendel , Mark V. Krein
发明人： Kurt D. Newman , David Joa , Debashis Ghosh , Timothy J. Bendel , Mark V. Krein
IPC分类号： G06F7/04
CPC分类号： G06F21/32 , G06Q20/40145 , G07C9/00 , G07F9/105
摘要： Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.
摘要翻译：描述了使用生物识别技术进行环境调整的系统和方法。可以接收个体的扫描的生物特征参数，并且可以确定个体的扫描的生物特征参数是否与多个存储的生物特征参数的存储的生物统计参数匹配。生物特征参数包括视网膜图像，DNA和语音样本。如果存在匹配，则可以基于存储的生物特征参数来识别个体。可以确定基于所识别的个体在至少一个设备上进行的至少一次调整。所述至少一个装置可以被配置用于修改所识别的个体的环境状况。可以发送用于实现所确定的至少一个调整的至少一个指令。调节可以是对装置的物理调整，例如椅子的高度。

54. 发明授权

US08566217B2 Apparatus and methods for facts based trading 有权
标题翻译：基于事实的交易的设备和方法
公开(公告)号：US08566217B2
公开(公告)日：2013-10-22
申请号：US12236576
申请日：2008-09-24
申请人： Debashis Ghosh , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark Krein
发明人： Debashis Ghosh , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark Krein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q10/04 , G06Q40/06
摘要： Apparatus and methods for providing a trading recommendation. The apparatus and methods may involve using information about events and reactions to the events. The events and the reactions may be used to identify an expected impact of the event on a market. The expected impact may be used to recommend investment vehicle trades. The methods may include receiving an information item that relates to an event; receiving a sentiment indicator corresponding to the item; assigning to the item a market impact weighting index that is at least partially based on the sentiment indicator; and, based at least partially on the market impact weighting index, selecting the trading recommendation from a database of trading recommendations.
摘要翻译：提供交易推荐的装置和方法。该装置和方法可以涉及使用关于事件和事件反应的信息。事件和反应可用于确定事件对市场的预期影响。预期的影响可能用于推荐投资车辆交易。所述方法可以包括接收与事件相关的信息项; 接收与该项目对应的情绪指标; 向该项目分配至少部分基于情绪指标的市场影响加权指数; 并且至少部分地基于市场影响权重指数，从交易建议的数据库中选择交易建议。

55. 发明授权

US08386319B1 Student prospects assessment system 有权
标题翻译：学生前景评估系统
公开(公告)号：US08386319B1
公开(公告)日：2013-02-26
申请号：US12339248
申请日：2008-12-19
申请人： Sudeshna Banerjee , Debashis Ghosh , Nicholas Halpern , Sreedevi Gummuluri , David Joa , Thayer Allison , Kurt D. Newman , Sean Michael Jones
发明人： Sudeshna Banerjee , Debashis Ghosh , Nicholas Halpern , Sreedevi Gummuluri , David Joa , Thayer Allison , Kurt D. Newman , Sean Michael Jones
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00
摘要： Embodiments of the present invention relate to systems, methods, and computer program products for assessing student prospects. More specifically, embodiments of the present invention are directed to receiving transaction data from a transaction involving a consumer, comparing the transaction data to an education position rule, and determining an education position based at least partially on a comparison of the transaction data to an education position rule.
摘要翻译：本发明的实施例涉及用于评估学生前景的系统，方法和计算机程序产品。更具体地，本发明的实施例涉及从涉及消费者的交易接收交易数据，将交易数据与教育位置规则进行比较，以及至少部分地基于交易数据与教育的比较来确定教育状况位置规则。

56. 发明申请

US20110082718A1 Analyzing Patterns within Transaction Data 审中-公开
标题翻译：分析交易数据中的模式
公开(公告)号：US20110082718A1
公开(公告)日：2011-04-07
申请号：US12574418
申请日：2009-10-06
申请人： Debashis Ghosh , Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , David Joa
发明人： Debashis Ghosh , Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , David Joa
IPC分类号： G06Q10/00
CPC分类号： G06Q30/0201 , G06Q20/00 , G06Q20/20 , G06Q20/4016 , G06Q30/06 , G07F7/08
摘要： A transaction data analyzer associated with a financial entity discovers patterns and/or sequences in consumer transaction data. The analyzer may provide businesses with feedback on spatiotemporal patterns in consumer spending habits. In certain embodiments, the transaction analyzer discovers the frequency of a sequence of purchases made at a first merchant immediately followed by purchases made at a second merchant. In another embodiment, the transaction analyzer discovers trends in consumer purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to, risk mitigation, merchant/consumer prospecting, and targeted promotions.
摘要翻译：与金融实体相关联的交易数据分析器发现消费者交易数据中的模式和/或序列。分析器可以为企业提供有关消费者消费习惯的时空模式的反馈。在某些实施例中，交易分析器发现在第一商户处立即进行的在第二商家进行的购买所进行的购买序列的频率。在另一个实施例中，交易分析器发现在周末期间消费者购买的趋势与周末期间的消费者购买趋势。分析结果可以以各种方式使用，包括但不限于风险缓解，商家/消费者探矿和有针对性的促销。

57. 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。

58. 发明申请

US20100076812A1 BUSINESS PERFORMANCE MEASUREMENTS 审中-公开
标题翻译：业务性能测量
公开(公告)号：US20100076812A1
公开(公告)日：2010-03-25
申请号：US12236952
申请日：2008-09-24
申请人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
发明人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
IPC分类号： G06Q90/00
CPC分类号： G06Q30/02 , G06Q30/0204
摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing a performance-measuring network for measuring the performance of a business-merchant relative to other business-merchants competing in the same or similar markets. For example, the performance-measuring network collects transaction data from a large number of different business-merchants. The performance-measuring network then assigns each of the different business-merchants to one or more peer groups. Each peer group consists of business-merchants that compete in the same or similar markets. For example, each peer group consists of business-merchants that sell similar products and/or services in the same geographic markets. After collecting transaction data and creating peer groups, the performance-measuring network measures the performance of a specific business-merchant by comparing the transaction data of the specific business-merchant to the transaction data of the other business-merchants that are assigned to the same peer group(s) as the specific business-merchant.
摘要翻译：本发明的实施例涉及用于提供用于衡量商业商家相对于在相同或类似市场中竞争的其他商家的业绩的性能测量网络的系统，方法和计算机程序产品。例如，性能测量网络从大量不同的商业商家收集交易数据。然后，性能测量网络将不同的商业商家分配给一个或多个对等组。每个同行小组由在相同或类似市场上竞争的商家组成。例如，每个同行群体由在相同地理市场上销售类似产品和/或服务的商业商人组成。在收集交易数据和创建对等组之后，性能测量网络通过将特定商家商家的交易数据与分配给其的其他商家的交易数据进行比较来衡量特定商家商家的表现对等组作为具体的商业商家。

59. 发明授权

US08417561B2 Market dynamics 有权
标题翻译：市场动态
公开(公告)号：US08417561B2
公开(公告)日：2013-04-09
申请号：US12236982
申请日：2008-09-24
申请人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
发明人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0205
摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing a market-dynamics network that assesses social and economic market dynamics in specific geographic regions. For example, the market-dynamics network collects transaction data from a large number of business-merchants across a large number of geographic locations and appends geographic-location identifiers to the collected transaction data. The market-dynamics network then aggregates transaction data in specific geographic regions and, based on the aggregated transaction data, assesses social and economic market dynamics in those geographic regions.
摘要翻译：本发明的实施例涉及用于提供评估特定地理区域中的社会和经济市场动态的市场动态网络的系统，方法和计算机程序产品。例如，市场动态网络从大量地理位置的大量业务商收集交易数据，并将地理位置标识符附加到收集的交易数据。然后，市场动态网络将特定地理区域的交易数据进行汇总，并根据汇总交易数据评估这些地理区域的社会和经济市场动态。

60. 发明申请

US20100076813A1 MARKET DYNAMICS 有权
标题翻译：市场动态
公开(公告)号：US20100076813A1
公开(公告)日：2010-03-25
申请号：US12236982
申请日：2008-09-24
申请人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
发明人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
IPC分类号： G06Q10/00 , G06F17/30
CPC分类号： G06Q30/02 , G06Q30/0205
摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing a market-dynamics network that assesses social and economic market dynamics in specific geographic regions. For example, the market-dynamics network collects transaction data from a large number of business-merchants across a large number of geographic locations and appends geographic-location identifiers to the collected transaction data. The market-dynamics network then aggregates transaction data in specific geographic regions and, based on the aggregated transaction data, assesses social and economic market dynamics in those geographic regions.
摘要翻译：本发明的实施例涉及用于提供评估特定地理区域中的社会和经济市场动态的市场动态网络的系统，方法和计算机程序产品。例如，市场动态网络从大量地理位置的大量业务商收集交易数据，并将地理位置标识符附加到收集的交易数据。然后，市场动态网络将特定地理区域的交易数据进行汇总，并根据汇总的交易数据评估这些地理区域的社会和经济市场动态。

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