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1. 发明授权

US08447689B2 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：US08447689B2
公开(公告)日：2013-05-21
申请号：US13441309
申请日：2012-04-06
申请人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
发明人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. 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。

2. 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。

3. 发明授权

US08271364B2 Method and apparatus for obtaining, organizing, and analyzing multi-source data 有权
标题翻译：用于获取，组织和分析多源数据的方法和装置
公开(公告)号：US08271364B2
公开(公告)日：2012-09-18
申请号：US11160117
申请日：2005-06-09
申请人： William A. Nobili , Michael S. Bonn
发明人： William A. Nobili , Michael S. Bonn
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： The tool of the invention is a data gathering and analytical process that uses internal customer data and external CRA data to build a consumer credit market data base and data structure. The internal customer data is classified according to identified Customer Attributes, the CRA data is also classified according to identified Consumer Attributes and the combined data is further classified according to additional Value Added Attributes. The resulting data structure is organized at the individual level such that each individual has associated therewith values for each of the Customer Attributes, Consumer Attributes and Value Added Attributes. The resulting analysis can be used to set institutional strategies and/or to make predictive decisions on individual borrower credit requests.
摘要翻译：本发明的工具是利用内部客户数据和外部CRA数据构建消费者信用市场数据库和数据结构的数据收集和分析流程。内部客户数据根据确定的客户属性进行分类，CRA数据也根据确定的消费者属性进行分类，组合数据根据附加的增值属性进一步分类。所得到的数据结构被组织在各个级别，使得每个个体具有与每个客户属性，消费者属性和增值属性相关联的值。由此产生的分析可用于制定机构策略和/或对个人借款人信用请求作出预测性决定。

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