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1. 发明授权

US08862512B2 Financial transaction data profile 有权
标题翻译：财务交易数据资料
公开(公告)号：US08862512B2
公开(公告)日：2014-10-14
申请号：US12712862
申请日：2010-02-25
申请人： David Joa , Kerry Cantley , Kurt D. Newman , Debashis Ghosh
发明人： David Joa , Kerry Cantley , Kurt D. Newman , Debashis Ghosh
IPC分类号： G06Q40/00 , G06Q30/02 , G06Q40/02
CPC分类号： G06Q40/02 , G06Q30/0258 , G06Q40/00 , G06Q40/12
摘要： Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile.
摘要翻译：本发明的实施例包括开发金融交易数据简档的方法。金融工具作为图像收到，金融工具包括交易数据。交易数据从金融工具提取并上传到计算机。组织事务数据，使事务数据分组。存储类别以在金融交易简档中呈现给用户。

2. 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。

3. 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。

4. 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。

5. 发明申请

US20130157988A1 SUBSTITUTED ANDROST-4-ENE DIONES 有权
公开(公告)号：US20130157988A1
公开(公告)日：2013-06-20
申请号：US13635924
申请日：2011-04-07
申请人： Huw Davies , Debashis Ghosh , Daniel Morton
发明人： Huw Davies , Debashis Ghosh , Daniel Morton
IPC分类号： A61K31/5685 , A61K45/06 , C07J75/00 , C07J1/00
CPC分类号： A61K31/5685 , A61K31/565 , A61K45/06 , C07J1/0011 , C07J41/0005 , C07J51/00 , C07J53/001 , C07J75/00
摘要： The disclosure relates to novel C4 and C6 substituted androst-4-ene diones as well as andros-1,4-diene diones and derivatives thereof, their process of preparation, pharmaceutical compounds containing them, and the use of said compounds for the treatment of hormone-related disorders in mammals. This includes hormone-dependent cancers, particularly those caused by elevated levels of estrogen and its intermediates. These compounds can also be used in the treatment of other hormone-related disorders, including benign prostatic hyperplasia, cardiovascular disease, and neurodegenerative disorders.

6. 发明授权

US08417625B2 Apparatus and methods for facilitating real estate transactions 有权
标题翻译：促进房地产交易的装置和方法
公开(公告)号：US08417625B2
公开(公告)日：2013-04-09
申请号：US12258511
申请日：2008-10-27
申请人： Sudeshna Bannerjee , Robert Caruso , Michael Kelly , Kim Barbour , Debashis Ghosh , Robert Mauldin , Robert Huber Eshleman , Timothy O'Brien
发明人： Sudeshna Bannerjee , Robert Caruso , Michael Kelly , Kim Barbour , Debashis Ghosh , Robert Mauldin , Robert Huber Eshleman , Timothy O'Brien
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q30/00 , G06Q40/025
摘要： Apparatus and methods for approving financing for the sale of real estate. The apparatus and methods may involve receiving from a seller, or a seller's agent, information regarding the property so that a financial institution can determine a loan amount before the seller is engaged by a buyer. The financial institution may order from vendors documentation and certification desired or required for closing. The financial institution may issue a seal certifying that the financial institution has pre-approved a loan in a stated amount. The amount may be subject to change based on the qualifications of a buyer.
摘要翻译：批准房地产出售融资的手段和方法。该装置和方法可以包括从卖方或卖方代理人接收关于该财产的信息，使得金融机构可以在卖方从事买方之前确定贷款额。金融机构可以从供应商的文件和认证要求或要求关闭。金融机构可以发行印章，证明金融机构已经预先批准了规定金额的贷款。该金额可能会根据买方的资格变更。

7. 发明授权

US08386027B2 Skin permeation device for analyte sensing or transdermal drug delivery 有权
标题翻译：用于分析物感测或透皮药物递送的皮肤渗透装置
公开(公告)号：US08386027B2
公开(公告)日：2013-02-26
申请号：US12110034
申请日：2008-04-25
申请人： Han Chuang , Juan P. Eslava , James P. Hurley , Debashis Ghosh , Keith Krystyniak , Scott C. Kellogg
发明人： Han Chuang , Juan P. Eslava , James P. Hurley , Debashis Ghosh , Keith Krystyniak , Scott C. Kellogg
IPC分类号： A61B5/05 , A61B5/00 , A61B17/20 , A61N1/30 , A61N1/00
CPC分类号： A61B18/14 , A61B5/0531 , A61B5/145 , A61B5/14532 , A61B5/14542 , A61B5/442 , A61B5/7239 , A61B17/54 , A61B18/20 , A61B18/203 , A61B2017/00761 , A61B2017/00765 , A61B2017/320004 , A61B2018/00452 , A61B2018/00642 , A61M2037/0007 , A61N1/042 , A61N1/0424 , A61N1/0436 , A61N1/044 , A61N1/30 , A61N1/327 , A61N1/328
摘要： Devices, systems, kits and methods for increasing the skin's permeability controlled by measured skin electrical parameter are described herein. They may be used for transdermal drug delivery and/or analyte extraction or measurement. The controlled abrasion device contains (i) a hand piece, (ii) an abrasive tip, (iii) a feedback control mechanism, (iv) two or more electrodes, and (v) an electrical motor. The feedback control mechanism may be an internal feedback control mechanism or an external feedback control. The kit contains the controlled abrasion-device, one or more abrasive tips, optionally with a wetting fluid. The method for increasing the skin's permeability requires applying the controlled abrasion device to a portion of the skin's surface for a short period of time, until the desired level of permeability is reached. Then the abrasion device is removed, and a drug delivery composition or device or an analyte sensor is applied to the treated site.
摘要翻译：本文描述了用于增加由测量的皮肤电参数控制的皮肤渗透性的装置，系统，试剂盒和方法。它们可用于透皮药物递送和/或分析物提取或测量。受控磨损装置包括（i）手件，（ii）研磨尖端，（iii）反馈控制机构，（iv）两个或更多个电极，和（v）电动机。反馈控制机构可以是内部反馈控制机构或外部反馈控制。该套件包含受控的磨损装置，一个或多个研磨尖端，任选地具有润湿流体。增加皮肤渗透性的方法需要将受控的磨损装置施用于皮肤表面的一部分短时间，直至达到所需的渗透性水平。然后去除磨损装置，并将药物递送组合物或装置或分析物传感器施加到处理部位。

8. 发明申请

US20120254053A1 On Demand Information Network 审中-公开
标题翻译：按需信息网络
公开(公告)号：US20120254053A1
公开(公告)日：2012-10-04
申请号：US13076037
申请日：2011-03-30
申请人： David Joa , Thomas Wade Mann , Robert Mark Jensen , Kent E. Wenger , Debashis Ghosh
发明人： David Joa , Thomas Wade Mann , Robert Mark Jensen , Kent E. Wenger , Debashis Ghosh
IPC分类号： G06Q99/00 , G06F17/30
CPC分类号： G06F16/215
摘要： A computer system provides a unified view of data for different organizations of a business. The accessed data may be distributed over different data sources that may include a data warehouse, operational databases (e.g., systems of records supporting different functions), production servers, and external data sources. Access to one or more of the data sources may be restricted based on a user profile. Data may also be accessed by directly tapping into the systems of record of a business to potentially reduce the duplication of data and provide the data in a timelier basis. Data may be obtained from the systems of record by pinging selected systems using an application programming interface and may be stored in a computing cloud that is not constrained to a particular physical asset of the business. In addition, the accessed data may be analyzed and presented differently based on the different lines of business.
摘要翻译：计算机系统为企业的不同组织提供统一的数据视图。访问的数据可以分布在可以包括数据仓库，操作数据库（例如，支持不同功能的记录系统），生产服务器和外部数据源的不同数据源上。可以基于用户简档来限制对一个或多个数据源的访问。也可以通过直接利用业务记录系统来访问数据，从而潜在地减少数据的重复并提供更及时的数据。数据可以通过使用应用程序编程接口对选定系统进行ping操作从记录系统中获得，并且可以存储在不限于业务的特定实体资产的计算云中。此外，可以基于不同的业务线分析和呈现所访问的数据。

9. 发明授权

US08260645B2 Transaction recurrence engine 有权
标题翻译：交易重复引擎
公开(公告)号：US08260645B2
公开(公告)日：2012-09-04
申请号：US12430475
申请日：2009-04-27
申请人： Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , Debashis Ghosh , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa
发明人： Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , Debashis Ghosh , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa
IPC分类号： G06Q10/00 , G06F17/00 , G06G7/00
CPC分类号： G06Q40/02 , G06Q20/20 , G06Q30/0283 , G06Q30/06 , G06Q40/12
摘要： Embodiments of the present invention relate apparatuses and methods that allow a financial institution to monitor, group, and store customer transaction data and determine market information therefrom according to recurrence patterns. For example, in one embodiment a financial institution uses a computerized apparatus to monitor recurrences in financial transactions across a plurality of financial accounts maintained by the financial institution for a plurality of different customers, where the computerized apparatus is configured to automatically track recurrences in transaction data.
摘要翻译：本发明的实施例涉及允许金融机构根据再现模式监视，分组和存储客户交易数据并确定市场信息的装置和方法。例如，在一个实施例中，金融机构使用计算机化设备来监视由金融机构为多个不同客户维护的多个金融账户的金融交易中的复发，其中计算机化设备被配置为自动跟踪交易数据中的复现。

10. 发明申请

US20120198570A1 Geo-Enabled Access Control 审中-公开
标题翻译：地理启用访问控制
公开(公告)号：US20120198570A1
公开(公告)日：2012-08-02
申请号：US13018936
申请日：2011-02-01
申请人： David Joa , Debashis Ghosh
发明人： David Joa , Debashis Ghosh
IPC分类号： G06F21/00
CPC分类号： G06F21/30 , G06F21/6218 , G06F2221/2111
摘要： Aspects described herein provide methods and systems that monitor mobile data processing devices used for remote access to a computer network or system, and allowing or preventing access to the computer system or network based at least in part on a determined geographical location of the mobile device. Different datasets stored on the network or system might have different geographical limitations associated with each. Different users also might have different geographic access limitations for the same dataset. User location may be based on GPS information associated with the device from which the user is attempting access, based on Wi-Fi, triangulation, or the like, or may be based on a photograph taken by the remote access device contemporaneously with the access request.
摘要翻译：本文描述的方面提供了监视用于远程访问计算机网络或系统的移动数据处理设备以及至少部分地基于确定的移动设备的地理位置来允许或防止对计算机系统或网络的访问的方法和系统。存储在网络或系统上的不同数据集可能具有与每个相关联的不同的地理限制。不同的用户也可能对同一数据集具有不同的地理访问限制。用户位置可以基于与用户正尝试访问的设备相关联的GPS信息，基于Wi-Fi，三角测量等，或者可以基于远程访问设备与访问请求同时拍摄的照片。

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