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61. 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。

62. 发明申请

US20110178920A1 EQUITY PROTECTION 有权
标题翻译：公平保护
公开(公告)号：US20110178920A1
公开(公告)日：2011-07-21
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。

63. 发明申请

US20110139414A1 Low Pressure Drop Fin with Selective Micro Surface Enhancement 审中-公开
标题翻译：低压降翅片选择性微表面增强
公开(公告)号：US20110139414A1
公开(公告)日：2011-06-16
申请号：US12636843
申请日：2009-12-14
申请人： Debashis Ghosh , James A. Acre
发明人： Debashis Ghosh , James A. Acre
IPC分类号： F28F1/12 , F28F9/00
CPC分类号： F28F1/128 , F28F2215/04
摘要： The assembly includes a heat exchanger assembly including a plurality of tubes extending between first and second manifolds. A plurality of fins extend back and forth between and long the tubes in a continuous patch and define a plurality of legs extending between the tubes. Each of the legs includes a plurality of front long louvers for conveying a stream of air through the legs. Each of the legs further defines a plurality of main spoilers between the front long louvers and the back edges of the legs for inducing turbulence in the stream of air with each of the main spoilers having a spoiler height in the range of 50 to 90 percent of the long louver height and each of the main spoilers having a spoiler length in the range of 10 to 35 percent of the long louver length.
摘要翻译：该组件包括热交换器组件，其包括在第一和第二歧管之间延伸的多个管。多个翅片在连续的贴片中在管之间和长管之间来回延伸并且限定在管之间延伸的多个腿。每个腿包括多个用于传送空气流通过腿的前长百叶窗。每个腿还在前长百叶窗和腿的后边缘之间进一步限定多个主扰流板，用于引导空气流中的湍流，其中每个主扰流板的扰流器高度在50％至90％的范围内长的百叶窗高度和每个主扰流板的扰流板长度在长百叶长度的10％至35％的范围内。

64. 发明授权

US07887822B2 Peptides for stimulating an immune response against melanoma 有权
标题翻译：用于刺激针对黑色素瘤的免疫应答的肽
公开(公告)号：US07887822B2
公开(公告)日：2011-02-15
申请号：US11487877
申请日：2006-07-17
申请人： Soldano Ferrone , Chien-Chung Chang , Wei Luo , Xinhui Wang , Debashis Ghosh
发明人： Soldano Ferrone , Chien-Chung Chang , Wei Luo , Xinhui Wang , Debashis Ghosh
IPC分类号： A61K39/00
CPC分类号： C07K16/3053 , A61K2039/505 , C07K16/4266 , C07K2299/00 , C07K2317/55 , C07K2317/73 , C07K2317/76
摘要： Provided in the present invention are recombinant peptides and a method for using the peptides in stimulating an immune response against human high molecular weight-melanoma associated antigen (HMW-MAA). The peptides were designed from the identification of regions of structural and amino acid sequence homology between HMW-MAA and the mouse anti-idiotypic monoclonal antibody MK2-23. The method comprises the step of administering to an individual a peptide of the invention in an amount effective to elicit an immune response against HMW-MAA.
摘要翻译：在本发明中提供的是重组肽和使用该肽刺激针对人高分子量黑素瘤相关抗原（HMW-MAA）的免疫应答的方法。从HMW-MAA和小鼠抗独特型单克隆抗体MK2-23的结构域和氨基酸序列同源性区域的鉴定中设计肽。该方法包括以有效引发对HMW-MAA的免疫应答的量向个体施用本发明的肽的步骤。

65. 发明授权

US07832464B2 Flexible HVAC module with add-on multi-zone sub-assembly 有权
标题翻译：具有附加多区域子组件的灵活HVAC模块
公开(公告)号：US07832464B2
公开(公告)日：2010-11-16
申请号：US11604671
申请日：2006-11-27
申请人： Jeffrey Charles Kinmartin , Garrett Wade Hoehn , Ardeean Scoccia , Debashis Ghosh
发明人： Jeffrey Charles Kinmartin , Garrett Wade Hoehn , Ardeean Scoccia , Debashis Ghosh
IPC分类号： B60H1/00
CPC分类号： B60H1/00064 , B60H1/00542 , B60H1/00842 , B60H2001/00164
摘要： An independent mixing valve sub-assembly which includes a casing defining a cold bias inlet, a hot bias inlet and a second zone inlet and a mechanism for mechanically attaching the casing to the housing of a HVAC module with the cold bias inlet, the hot bias inlet and the second zone inlet of the mixing valve sub-assembly in sealing engagement with a cold bias outlet, a hot bias outlet, and a second zone outlet of a HVAC module, respectively. The mixing valve sub-assembly may provide one or more streams of temperature-controlled air. Accordingly, different mixing valve sub-assemblies may be attached to one universal HVAC module to provide varying numbers of temperature zones.
摘要翻译：独立的混合阀子组件，其包括限定冷偏压入口的壳体，热偏压入口和第二区域入口以及用于将冷却偏压入口将壳体机械地附接到HVAC模块的壳体的机构，热偏压入口和第二区域入口分别与HVAC模块的冷偏压出口，热偏压出口和第二区域出口密封接合。混合阀子组件可以提供一个或多个温度控制空气流。因此，不同的混合阀子组件可以附接到一个通用HVAC模块以提供不同数量的温度区域。

66. 发明申请

US20100274699A1 ECONOMIC INTELLIGENCE 有权
标题翻译：经济智慧
公开(公告)号：US20100274699A1
公开(公告)日：2010-10-28
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/或自由分数子分数。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。

67. 发明申请

US20100274630A1 ECONOMIC INTELLIGENCE FORECAST 审中-公开
标题翻译：经济智能预测
公开(公告)号：US20100274630A1
公开(公告)日：2010-10-28
申请号：US12430514
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： G06Q10/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06Q30/0202 , G06Q40/12
摘要： Aspects of the invention provide for the use of transactional data in the forecasting of an index score, such as a financial index that predicts market conditions. Such forecasting may better prepare individuals and entities for depressed economic conditions. A comparison engine may be configured to compare the financial variable of the transactional data and the transactional data's date against an index score of an index on a date to determine the correlation of at least a portion of transactions represented by the transactional data with the index score. A selection engine may be configured to select a portion of transactions that are more correlated to the index than other transactions. An index score may be forecasted with the selected transactions. Additional transactional data may be extracted from one or more physical documents, such as an invoice, a statement, and/or commercial paper.
摘要翻译：本发明的方面提供了在预测指数评分中使用交易数据，例如预测市场状况的金融指数。这种预测可能会使个人和实体更好地为经济状况沮丧做好准备。比较引擎可以被配置为将事务数据的财务变量和事务数据的日期与日期的索引的索引分数进行比较，以确定由事务数据表示的至少一部分交易与索引得分的相关性。选择引擎可以被配置为选择与其他事务相关的与索引更相关的事务的一部分。可以使用所选交易来预测指数得分。可以从一个或多个物理文件（例如发票，声明和/或商业票据）中提取附加的交易数据。

68. 发明申请

US20100114659A1 MINING PUBLIC MEDIA FOR CONSUMER RESPONSE INFORMATION 审中-公开
标题翻译：消费者响应信息采购公共媒体
公开(公告)号：US20100114659A1
公开(公告)日：2010-05-06
申请号：US12263561
申请日：2008-11-03
申请人： Kurt D. Newman , Debashis Ghosh , Timothy J. Bendel , David Joa
发明人： Kurt D. Newman , Debashis Ghosh , Timothy J. Bendel , David Joa
IPC分类号： G06Q10/00 , G06Q50/00 , G06Q30/00
CPC分类号： G06Q30/0243 , G06Q30/02 , G06Q30/0256
摘要： Systems and methods for inferring the success or failure of a third-party Marketing Effort Assays (MEAs) from the marketing efforts of that third party which follow up on the MEA are provided. The system may involve identifying Initial MEA Marketing Efforts (IMEs) by the use of keyword analysis, maintaining a database of such marketing efforts, and comparing those IMEs to later-observed follow-up marketing efforts. The system may further involve establishing geographically or demographically similar peer groupings and applying the inferred success or failure of the MEAs in one such peer group member to another such peer group member.
摘要翻译：提供了第三方营销努力测定（MEA）的成功和失败的系统和方法，从在MEA后续的第三方的营销工作。该系统可能涉及通过使用关键字分析来识别初始MEA营销努力（IME），维护这种营销努力的数据库，并将这些IME与后续观察的后续营销工作进行比较。该系统还可以涉及在地理上或人口统计上相似的对等体分组的建立，并且将一个这样的对等体组成员中的MEA的推断的成功或失败应用于另一个这样的对等组成员。

69. 发明申请

US20100106638A1 APPARATUS AND METHODS FOR VERIFYING A CREDIT APPLICANT'S INCOME THAT ENHANCE A CREDIT APPLICANT'S EXPERIENCE 有权
标题翻译：信用证申请人收入增加信用申请人经验的手段和方法
公开(公告)号：US20100106638A1
公开(公告)日：2010-04-29
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
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。

70. 发明申请

US20100100476A1 OFFSET OPTIMIZATION SYSTEM 有权
标题翻译：偏移优化系统
公开(公告)号：US20100100476A1
公开(公告)日：2010-04-22
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： G06Q40/00
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.
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。

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