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1. 发明申请

US20100169386A1 IDENTITY DATABASE BUREAU 有权
公开(公告)号：US20100169386A1
公开(公告)日：2010-07-01
申请号：US12344858
申请日：2008-12-29
申请人： Debashis Ghosh , Michael O'Hagan , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
发明人： Debashis Ghosh , Michael O'Hagan , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
IPC分类号： G06F17/30 , G06F7/00
CPC分类号： G07C9/00158
摘要： Systems and methods for making biometric data susceptible to use in locating individuals and tracking the location of individuals over time are provided. The system may involve the collection of initial biometric data, including iris scans, and corresponding identification information, the entry of such data into a database, and then the further collection of biometric data associated with locational information and entry of that data into a database correlating to the first database.
摘要翻译：提供了用于使生物特征数据易于用于定位个体并跟踪个体随时间的位置的系统和方法。该系统可以涉及初始生物特征数据的收集，包括虹膜扫描和相应的识别信息，将这些数据输入到数据库中，然后进一步收集与位置信息相关联的生物特征数据，并将该数据输入数据库相关联到第一个数据库。

2. 发明授权

US08200708B2 Identity database bureau 有权
标题翻译：身份数据库局
公开(公告)号：US08200708B2
公开(公告)日：2012-06-12
申请号：US12344858
申请日：2008-12-29
申请人： Debashis Ghosh , Michael O'Hagan , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
发明人： Debashis Ghosh , Michael O'Hagan , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
IPC分类号： G06F7/00 , G06F17/30
CPC分类号： G07C9/00158
摘要： Systems and methods for making biometric data susceptible to use in locating individuals and tracking the location of individuals over time are provided. The system may involve the collection of initial biometric data, including iris scans, and corresponding identification information, the entry of such data into a database, and then the further collection of biometric data associated with locational information and entry of that data into a database correlating to the first database.
摘要翻译：提供了用于使生物特征数据易于用于定位个人并跟踪个体随时间的位置的系统和方法。该系统可以涉及初始生物特征数据的收集，包括虹膜扫描和相应的识别信息，将这些数据输入到数据库中，然后进一步收集与位置信息相关联的生物特征数据，并将该数据输入数据库相关联到第一个数据库。

3. 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。

4. 发明申请

US20100114724A1 BANK CARD AUTHORIZATION WITH BALANCE INDICATOR 有权
标题翻译：银行卡授权与平衡指标
公开(公告)号：US20100114724A1
公开(公告)日：2010-05-06
申请号：US12261970
申请日：2008-10-30
申请人： Debashis Ghosh , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
发明人： Debashis Ghosh , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/209 , G06Q20/40 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.
摘要翻译：提供系统，方法和计算机程序产品，以便在使用信用卡或借记帐户进行交易（如购买交易）之后向消费者提供关于消费者信用卡或借记帐户余额的信息。在一个实施例中，当授权购买交易时，发行银行将表示消费者信用或借记帐户余额的数字和/或关于余额的其他信息附加到授权代码，使得当供应商向消费者提供购买收据在收据上具有授权码，余额信息将自动包含在带有授权码的收据上。以这种方式，消费者可以通过了解每个信用卡或借记卡购买之后消费者的信用卡和/或借记帐户和/或其他余额信息的总余额来跟踪支出。

5. 发明申请

US20100274718A1 FINANCIAL INSTITUTE-IMPLEMENTED ACCOUNT MANAGEMENT SYSTEM 审中-公开
标题翻译：财务机构实施帐户管理系统
公开(公告)号：US20100274718A1
公开(公告)日：2010-10-28
申请号：US12430706
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
CPC分类号： G06Q40/02 , G06Q20/40 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for an automated system for financial institution account management. The methods, systems and computer program products herein described allow the customer to link financial institution accounts and authorize a financial institution automatically and intuitively manage the linked accounts. Automated management includes managing the transfer of funds between accounts to ensure minimum balances, maximize rate of return and minimize the number of transfers between accounts.
摘要翻译：提供系统，方法和计算机程序产品，用于金融机构帐户管理的自动化系统。本文描述的方法，系统和计算机程序产品允许客户链接金融机构账户并授权金融机构自动和直观地管理链接的账户。自动管理包括管理账户之间的资金转移，以确保最低余额，最大化回报率和最小化账户之间的转账数量。

6. 发明授权

US08682785B2 Bank card authorization with balance indicator 有权
标题翻译：银行卡授权与余额指示
公开(公告)号：US08682785B2
公开(公告)日：2014-03-25
申请号：US12261970
申请日：2008-10-30
申请人： Debashis Ghosh , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
发明人： Debashis Ghosh , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
IPC分类号： G06F21/00 , G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/209 , G06Q20/40 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.
摘要翻译：提供系统，方法和计算机程序产品，以便在使用信用卡或借记帐户进行交易（如购买交易）之后向消费者提供关于消费者信用卡或借记帐户余额的信息。在一个实施例中，当授权购买交易时，发行银行将表示消费者信用或借记帐户余额的数字和/或关于余额的其他信息附加到授权代码，使得当供应商向消费者提供购买收据在收据上具有授权码，余额信息将自动包含在带有授权码的收据上。以这种方式，消费者可以通过了解每个信用卡或借记卡购买之后消费者的信用卡和/或借记帐户和/或其他余额信息的总余额来跟踪支出。

7. 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。

8. 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。

9. 发明授权

US08645245B2 Offset optimization system 有权
标题翻译：偏移优化系统
公开(公告)号：US08645245B2
公开(公告)日：2014-02-04
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 attaches funds from a debtor's deposits account to satisfy overdue 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 attachable 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提取资金以抵消逾期债务的抵消行动中收集的金额。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帐户的存款模式，并且基于检测到的模式来预测下一笔大额存款到可附加账户的日期。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。

10. 发明授权

US07792727B2 Offset optimization system 有权
标题翻译：偏移优化系统
公开(公告)号：US07792727B2
公开(公告)日：2010-09-07
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： G06Q40/10
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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