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1. 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。

2. 发明申请

US20110270618A1 MOBILE COMMERCE SYSTEM 审中-公开
标题翻译：移动商务系统
公开(公告)号：US20110270618A1
公开(公告)日：2011-11-03
申请号：US12770947
申请日：2010-04-30
申请人： Sudeshna Banerjee , Thayer S. Allison, JR. , Debashis Ghosh , David Joa , Kurt D. Newman , Hemant Kagade , Yanghong Shao
发明人： Sudeshna Banerjee , Thayer S. Allison, JR. , Debashis Ghosh , David Joa , Kurt D. Newman , Hemant Kagade , Yanghong Shao
IPC分类号： G06Q30/00 , G01S19/51
CPC分类号： G06Q40/02 , G06Q30/02
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing targeted product offers to a consumer's mobile device based on the consumer's current location, location history, transaction history, and purchase thresholds. Embodiments of the invention are also directed to systems, methods, and computer program products for obtaining feedback from the consumer in relation to an offer and providing a modified offer based on the feedback. In one embodiment, the feedback is a determination that a consumer is not interested in a merchant offer based on the consumer's substantially real-time location information and transaction information.
摘要翻译：本发明的实施例涉及用于基于消费者的当前位置，位置历史，交易历史和购买阈值向消费者的移动设备提供目标产品提供的系统，方法和计算机程序产品。本发明的实施例还涉及系统，方法和计算机程序产品，用于从报价中获得有关报价的反馈并根据反馈提供修改的报价。在一个实施例中，反馈是消费者基于消费者基本上实时的位置信息和交易信息对商家报价不感兴趣的确定。

3. 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。

4. 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。

5. 发明申请

US20090140838A1 INTEGRATION OF FACIAL RECOGNITION INTO CROSS CHANNEL AUTHENTICATION 有权
标题翻译：将通识认证纳入跨渠道认证
公开(公告)号：US20090140838A1
公开(公告)日：2009-06-04
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： G06K9/64
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。

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

US08504458B1 Investment strategy system 有权
标题翻译：投资策略体系
公开(公告)号：US08504458B1
公开(公告)日：2013-08-06
申请号：US12413326
申请日：2009-03-27
申请人： Aaron Lai , Debashis Ghosh , David Joa , Kurt Newman , Thayer Allison , Sudeshna Banerjee
发明人： Aaron Lai , Debashis Ghosh , David Joa , Kurt Newman , Thayer Allison , Sudeshna Banerjee
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06
摘要： Embodiments of the present invention relate to apparatuses, systems, methods, and computer program products for determining an investment strategy for a security. In one embodiment, an apparatus comprises a processor configured to: (1) receive information identifying a security; (2) access historical market data for the security, wherein the historical market data includes historical values, over a historical period of time, for one or more market parameters for the security; (3) use the historical market data to determine a relationship between a market parameter's value and the security's value during the historical period of time; and (4) use the relationship to determine an investment strategy that determines trading decisions based at least partially on the market parameter's value.
摘要翻译：本发明的实施例涉及用于确定安全性的投资策略的装置，系统，方法和计算机程序产品。在一个实施例中，一种装置包括处理器，其被配置为：（1）接收识别安全性的信息; （2）获取证券的历史市场数据，其中历史市场数据包括历史时期的历史价值，用于证券的一个或多个市场参数; （3）利用历史市场数据确定历史时期市场参数价值与证券价值之间的关系; 和（4）使用关系来确定至少部分基于市场参数价值确定交易决策的投资策略。

8. 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。

9. 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。

10. 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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