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1. 发明申请

US20110087546A1 Systems and Methods for Anticipatory Advertisement Delivery 审中-公开
标题翻译：预测广告投放系统与方法
公开(公告)号：US20110087546A1
公开(公告)日：2011-04-14
申请号：US12876868
申请日：2010-09-07
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Leigh Amaro , Nurtekin Savas , Claudia Richter , Ryan Bradford Jolley , Ryan Hagey , James Alan VonDerheide , Andrew Clyne
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Leigh Amaro , Nurtekin Savas , Claudia Richter , Ryan Bradford Jolley , Ryan Hagey , James Alan VonDerheide , Andrew Clyne
IPC分类号： G06Q40/00 , G06Q30/00 , G06Q20/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0255
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording a plurality of transactions processed at the transaction handler for a user; an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse; a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user; and a portal coupled to the profile generator to provide the spending profile in response to a query.
摘要翻译：一方面，一种计算装置包括：处理事务的事务处理程序; 数据仓库，用于存储记录在用户的交易处理程序处理的多个交易的交易数据; 预期引擎，耦合到数据仓库，以基于存储在数据仓库中的交易数据预测与用户有关的未来事件; 简档生成器，用于至少部分地基于为用户预测的未来事件来生成用户的支出简档; 以及耦合到简档生成器的门户以响应于查询来提供支出简档。

2. 发明申请

US20110264581A1 Systems and Methods to Provide Market Analyses and Alerts 审中-公开
标题翻译：提供市场分析和警报的系统和方法
公开(公告)号：US20110264581A1
公开(公告)日：2011-10-27
申请号：US13093489
申请日：2011-04-25
申请人： Andrew Clyne
发明人： Andrew Clyne
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q20/10 , G06Q40/04
摘要： In one aspect, a computing apparatus includes: a transaction handler configured to process payment transactions between issuer processors on behalf of account holders and acquirer processors on behalf of merchants; a data warehouse configured to store transaction data recording the payment transactions and environmental data identifying market activities and events occurring shortly before, concurrently with, or shortly after the respective payment transactions; an analytic tool coupled with the data warehouse and configured to correlate the transaction data and the environmental data to establish at least one predictive model and configured to predict a market activity based on the predictive model; and a gateway to provide information about a prediction of the market activity to a user via a report or a mobile alert.
摘要翻译：一方面，一种计算装置包括：交易处理器，被配置为代表商户处理代表处理者和收单处理者之间的支付交易; 数据仓库被配置为存储记录支付交易的交易数据和识别在各自支付交易之前，同时或不久之后发生的市场活动和事件的环境数据; 一种分析工具，与数据仓库相结合，并被配置为将交易数据和环境数据相关联，以建立至少一个预测模型，并配置为基于预测模型预测市场活动; 以及通过报告或移动警报向用户提供关于市场活动的预测的信息的网关。

3. 发明申请

US20110264501A1 Systems and Methods to Provide Offers to Travelers 有权
标题翻译：向旅行者提供优惠的系统和方法
公开(公告)号：US20110264501A1
公开(公告)日：2011-10-27
申请号：US13093499
申请日：2011-04-25
申请人： Andrew Clyne
发明人： Andrew Clyne
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q20/405 , G06Q10/02 , G06Q20/10 , G06Q30/02 , G06Q30/0224 , G06Q30/0255 , G06Q30/0261
摘要： In one aspect, a computing apparatus includes: a transaction handler configured to process transactions; a data warehouse configured to store transaction data recording the transactions and to store event data for travel related events; a pattern detector configured to identify correlation data relating transaction patterns in the transaction data and the events identified in the event data; a portal configured to, in response to an occurrence of a first event, provide merchants with a report of a predicted spending pattern, including the identification of a set of consumers, identified based on the correlation data and data identifying the first event; a score generator to compute a value score for a traveler based on transaction data of the traveler; and a data services platform configured to provide the value score to a hotelier in response to a transaction processed by the transaction handler to check in the traveler at the hotelier.
摘要翻译：一方面，一种计算装置包括：配置成处理事务的事务处理器; 数据仓库被配置为存储记录交易的交易数据，并存储与旅行相关的事件的事件数据; 模式检测器，被配置为识别与交易数据中的事务模式相关联的相关数据和事件数据中识别的事件; 被配置为响应于第一事件的发生而向商家提供预测消费模式的报告，所述预测支出模式包括基于所述相关数据和识别所述第一事件的数据识别的一组消费者的识别; 一个分数发生器，用于根据旅行者的交易数据来计算旅行者的分值; 以及数据服务平台，被配置为响应于由交易处理者处理的交易来向旅馆者提供价值分数，以便在旅馆者处检查旅行者。

4. 发明申请

US20110264497A1 Systems and Methods to Transfer Tax Credits 审中-公开
标题翻译：转移税收抵免的制度和方法
公开(公告)号：US20110264497A1
公开(公告)日：2011-10-27
申请号：US13093632
申请日：2011-04-25
申请人： Andrew Clyne
发明人： Andrew Clyne
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/10 , G06Q30/0215 , G06Q40/10
摘要： In one aspect, a computing apparatus includes: a transaction handler configured to process payment transactions between issuer processors on behalf of account holders and acquirer processors on behalf of merchants; a data warehouse configured to store transaction data recording the payment transactions; a gateway to register structured personal financial assessments of account holders; and a matching engine configured to identify, based at least in part on the transaction data and the structured personal financial assessments, users who are in need of tax credits from a plurality of suppliers.
摘要翻译：一方面，一种计算装置包括：交易处理器，被配置为代表商户处理代表处理者和收单处理者之间的支付交易; 数据仓库被配置为存储记录支付交易的交易数据; 注册帐户持有人结构化个人财务评估的门户; 以及匹配引擎，被配置为至少部分地基于交易数据和结构化个人财务评估来识别来自多个供应商的需要税收抵免的用户。

5. 发明申请

US20110264567A1 Systems and Methods to Provide Data Services 审中-公开
标题翻译：提供数据服务的系统和方法
公开(公告)号：US20110264567A1
公开(公告)日：2011-10-27
申请号：US13093618
申请日：2011-04-25
申请人： Andrew Clyne
发明人： Andrew Clyne
IPC分类号： G06Q40/00 , G06F17/30
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q40/12
摘要： In one aspect, a computing apparatus includes: a transaction handler configured to process transactions; a data warehouse configured to store meta data and first data including transaction data recording the transactions and information generated based on the transaction data; an intranet coupled between the data warehouse and the transaction handler; an input engine coupled between the intranet and a plurality of data sources outside the intranet, where the input engine is controlled by the meta data to access the data sources to provide second data; and a broker engine coupled between the intranet and a plurality of data consuming devices outside the intranet, where the broker engine is controlled by the meta data to control access of the data consuming devices to the first data and the second data.
摘要翻译：一方面，一种计算装置包括：配置成处理事务的事务处理器; 配置为存储元数据的数据仓库和包括记录基于交易数据生成的交易和信息的交易数据的第一数据; 在数据仓库和事务处理程序之间耦合的内联网; 耦合在内联网和内联网之外的多个数据源的输入引擎，其中输入引擎由元数据控制以访问数据源以提供第二数据; 以及耦合在所述内部网与所述内部网之外的多个数据消费设备之间的代理引擎，其中所述代理引擎由所述元数据控制以控制所述数据消耗设备对所述第一数据和所述第二数据的访问。

6. 发明授权

US09471926B2 Systems and methods to provide offers to travelers 有权
标题翻译：为旅客提供优惠的系统和方法
公开(公告)号：US09471926B2
公开(公告)日：2016-10-18
申请号：US13093499
申请日：2011-04-25
申请人： Andrew Clyne
发明人： Andrew Clyne
IPC分类号： G06Q30/02 , G06Q20/10
CPC分类号： G06Q20/405 , G06Q10/02 , G06Q20/10 , G06Q30/02 , G06Q30/0224 , G06Q30/0255 , G06Q30/0261
摘要： In one aspect, a computing apparatus includes: a transaction handler configured to process transactions; a data warehouse configured to store transaction data recording the transactions and to store event data for travel related events; a pattern detector configured to identify correlation data relating transaction patterns in the transaction data and the events identified in the event data; a portal configured to, in response to an occurrence of a first event, provide merchants with a report of a predicted spending pattern, including the identification of a set of consumers, identified based on the correlation data and data identifying the first event; a score generator to compute a value score for a traveler based on transaction data of the traveler; and a data services platform configured to provide the value score to a hotelier in response to a transaction processed by the transaction handler to check in the traveler at the hotelier.
摘要翻译：一方面，一种计算装置包括：配置成处理事务的事务处理器; 数据仓库被配置为存储记录交易的交易数据，并存储与旅行相关的事件的事件数据; 模式检测器，被配置为识别与交易数据中的事务模式相关联的相关数据和事件数据中识别的事件; 被配置为响应于第一事件的发生而向商家提供预测消费模式的报告，所述预测支出模式包括基于所述相关数据和识别所述第一事件的数据识别的一组消费者的识别; 一个分数发生器，用于根据旅行者的交易数据来计算旅行者的分值; 以及数据服务平台，被配置为响应于由交易处理者处理的交易来向旅馆者提供价值分数，以便在旅馆者处检查旅行者。

7. 发明申请

US20110035288A1 Systems and Methods for Targeting Offers 审中-公开
标题翻译：用于定位优惠的系统和方法
公开(公告)号：US20110035288A1
公开(公告)日：2011-02-10
申请号：US12854022
申请日：2010-08-10
申请人： Andrew Clyne
发明人： Andrew Clyne
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0275
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; a profile generator to identify a set of user clusters based on transaction data; and a portal to enroll users and identify preferred communication channels of the users, receive offers from a plurality of entities, present data identifying the set of user clusters to the entities, receive bids on the clusters from the entities in accordance with types of the offers, based on the bids determine winning entities for a predetermined time period, and provide offers of the winning entities to respective enrolled users in respective clusters during the predetermined time period, using preferred communication channels of the respective enrolled users.
摘要翻译：一方面，一种计算装置包括：处理事务的事务处理程序; 数据仓库，用于存储记录在事务处理程序处理的事务的事务数据; 简档生成器，用于基于事务数据来识别一组用户集群; 以及门户，用于注册用户并识别用户的优选通信信道，从多个实体接收提供，将识别用户集群的数据呈现给实体，根据提供的类型从实体接收对集群的投标基于所述出价确定获胜实体在预定时间段内，并且使用所登记的各个用户的优选通信信道，在所述预定时间段期间，向相应集群中的相应注册用户提供所述获胜实体的提供。

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