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51. 发明授权

US08207815B2 Facility access integrated with other security systems 有权
标题翻译：设施访问与其他安全系统集成
公开(公告)号：US08207815B2
公开(公告)日：2012-06-26
申请号：US12339902
申请日：2008-12-19
申请人： Kurt D. Newman , Debashis Ghosh , Michael James O'Hagan , David Joa , Timothy J. Bendel
发明人： Kurt D. Newman , Debashis Ghosh , Michael James O'Hagan , David Joa , Timothy J. Bendel
IPC分类号： G05B19/00
CPC分类号： G08B13/2491 , G07C9/00158 , G08B25/008
摘要： Systems and methods for integrating facility access with other security systems are described. An individual seeking access authorization to a facility may be identified with a biometric parameter such as an iris scan. If authorized, the system may allow entry by disabling the alarm system, and a time period for access may be determined based on one or more characteristics associated with the individual. These characteristics may include the functional role of the individual at the facility and/or the location of the facility itself. Moreover, this facility access authorization system may be integrated with a network access authorization system associated with the facility so that when an individual gains access to the facility for a specific time period, the system is also able to determine how long the individual may access its network resources.
摘要翻译：描述了将设施访问与其他安全系统集成的系统和方法。可以用诸如虹膜扫描的生物特征参数来识别寻求对设施的访问授权的个体。如果被授权，系统可以通过禁用报警系统来允许进入，并且可以基于与个人相关联的一个或多个特征来确定访问的时间段。这些特征可能包括个人在设施和/或设施本身的位置的功能作用。此外，该设施访问授权系统可以与与设施相关联的网络访问授权系统集成，使得当个人在特定时间段内访问设施时，系统还能够确定个人可以访问其多长时间网络资源。

52. 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。

53. 发明申请

US20090299886A1 ACTIVITY BASED CREDIT CARD LIMIT ASSIGNMENT 审中-公开
标题翻译：基于活动的信用卡限额分配
公开(公告)号：US20090299886A1
公开(公告)日：2009-12-03
申请号：US12128750
申请日：2008-05-29
申请人： Kurt D. Newman , Timothy J. Bendel , Debashis Ghosh , David Joa
发明人： Kurt D. Newman , Timothy J. Bendel , Debashis Ghosh , David Joa
IPC分类号： G06Q40/00
CPC分类号： G06Q20/24 , G06Q20/4016 , G06Q20/405 , G06Q40/00 , G06Q40/02
摘要： Systems and methods for reducing the exposure of a financial institution to lending risk. The systems and methods may involve determining a basic credit limit for a customer's new credit card account based at least in part on attributes associated with the customer; assigning an adjusted credit limit to the account; and promising to decide whether to replace the adjusted credit limit with a higher credit limit.
摘要翻译：减少金融机构对借贷风险敞口的制度和方法。系统和方法可以包括至少部分地基于与客户相关联的属性来确定客户新信用卡账户的基本信用限额; 为帐户分配经调整的信用额度; 并承诺决定是否以更高的信用额度取代调整后的信贷额度。

54. 发明授权

US08190515B2 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：US08190515B2
公开(公告)日：2012-05-29
申请号：US12645277
申请日：2009-12-22
申请人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
发明人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt 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。

55. 发明申请

US20120197782A1 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：US20120197782A1
公开(公告)日：2012-08-02
申请号：US13441309
申请日：2012-04-06
申请人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
发明人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
IPC分类号： G06Q40/02
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。

56. 发明授权

US08504469B2 Detecting credit misuse 有权
标题翻译：检测信用滥用
公开(公告)号：US08504469B2
公开(公告)日：2013-08-06
申请号：US12705770
申请日：2010-02-15
申请人： Sreedevi Gummuluri , Yanghong Shao , Debashis Ghosh , Sudeshna Banerjee
发明人： Sreedevi Gummuluri , Yanghong Shao , Debashis Ghosh , Sudeshna Banerjee
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/06 , G06Q20/00 , G06Q20/4016 , G06Q30/0185 , G06Q40/00 , G06Q40/12
摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.
摘要翻译：与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人消费者为IMOC个人。为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

57. 发明申请

US20110202436A1 DETECTING CREDIT MISUSE 有权
标题翻译：检测信用错误
公开(公告)号：US20110202436A1
公开(公告)日：2011-08-18
申请号：US12705770
申请日：2010-02-15
申请人： Sreedevi Gummuluri , Yanghong Shao , Debashis Ghosh , Sudeshna Banerjee
发明人： Sreedevi Gummuluri , Yanghong Shao , Debashis Ghosh , Sudeshna Banerjee
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/06 , G06Q20/00 , G06Q20/4016 , G06Q30/0185 , G06Q40/00 , G06Q40/12
摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.
摘要翻译：与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人消费者为IMOC个人。为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

58. 发明授权

US07734539B2 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：US07734539B2
公开(公告)日：2010-06-08
申请号：US11740130
申请日：2007-04-25
申请人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
发明人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
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。

59. 发明申请

US20100094750A1 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：US20100094750A1
公开(公告)日：2010-04-15
申请号：US12645277
申请日：2009-12-22
申请人： Debashis Ghosh , William Anthony Nobii , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
发明人： Debashis Ghosh , William Anthony Nobii , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
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。

60. 发明申请

US20080270292A1 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：US20080270292A1
公开(公告)日：2008-10-30
申请号：US11740130
申请日：2007-04-25
申请人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
发明人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
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。

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