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1. 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。

2. 发明申请

US20110184777A1 DELINQUENCY MIGRATION MODEL 有权
标题翻译：审判移民模式
公开(公告)号：US20110184777A1
公开(公告)日：2011-07-28
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 , G06Q10/00 , G06Q50/00
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 delinquency characteristics of a credit 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信用投资组合的犯罪特征。

3. 发明授权

US09135419B2 Environmental adjustments using biometrics 有权
标题翻译：使用生物识别技术进行环境调整
公开(公告)号：US09135419B2
公开(公告)日：2015-09-15
申请号：US12697751
申请日：2010-02-01
申请人： Kurt D. Newman , David Joa , Debashis Ghosh , Timothy J. Bendel , Mark V. Krein
发明人： Kurt D. Newman , David Joa , Debashis Ghosh , Timothy J. Bendel , Mark V. Krein
IPC分类号： G06F21/32 , G06Q20/40
CPC分类号： G06F21/32 , G06Q20/40145 , G07C9/00 , G07F9/105
摘要： Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.
摘要翻译：描述了使用生物识别技术进行环境调整的系统和方法。可以接收个体的扫描的生物特征参数，并且可以确定个体的扫描的生物特征参数是否与多个存储的生物特征参数的存储的生物统计参数匹配。生物特征参数包括视网膜图像，DNA和语音样本。如果存在匹配，则可以基于存储的生物特征参数来识别个体。可以确定基于所识别的个体在至少一个设备上进行的至少一次调整。所述至少一个装置可以被配置用于修改所识别的个体的环境状况。可以发送用于实现所确定的至少一个调整的至少一个指令。调节可以是对装置的物理调整，例如椅子的高度。

4. 发明申请

US20110187500A1 Environmental Adjustments Using Biometrics 有权
标题翻译：使用生物特征的环境调整
公开(公告)号：US20110187500A1
公开(公告)日：2011-08-04
申请号：US12697751
申请日：2010-02-01
申请人： Kurt D. Newman , David Joa , Debashis Ghosh , Timothy J. Bendel , Mark V. Krein
发明人： Kurt D. Newman , David Joa , Debashis Ghosh , Timothy J. Bendel , Mark V. Krein
IPC分类号： G06F7/04
CPC分类号： G06F21/32 , G06Q20/40145 , G07C9/00 , G07F9/105
摘要： Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.
摘要翻译：描述了使用生物识别技术进行环境调整的系统和方法。可以接收个体的扫描的生物特征参数，并且可以确定个体的扫描的生物特征参数是否与多个存储的生物特征参数的存储的生物统计参数匹配。生物特征参数包括视网膜图像，DNA和语音样本。如果存在匹配，则可以基于存储的生物特征参数来识别个体。可以确定基于所识别的个体在至少一个设备上进行的至少一次调整。所述至少一个装置可以被配置用于修改所识别的个体的环境状况。可以发送用于实现所确定的至少一个调整的至少一个指令。调节可以是对装置的物理调整，例如椅子的高度。

5. 发明申请

US20110238538A1 AGGREGATION OF CUSTOMER TRANSACTION DATA 有权
标题翻译：客户交易数据的聚合
公开(公告)号：US20110238538A1
公开(公告)日：2011-09-29
申请号：US12730706
申请日：2010-03-24
申请人： Thayer S. Allison, JR. , Sudeshna Banerjee , Debashis Ghosh , Hemant A. Kagade , Mark V. Krein , David Joa , Kurt D. Newman
发明人： Thayer S. Allison, JR. , Sudeshna Banerjee , Debashis Ghosh , Hemant A. Kagade , Mark V. Krein , David Joa , Kurt D. Newman
IPC分类号： G06Q10/00 , G06F17/30
CPC分类号： G06Q30/0185 , G06F17/30489 , G06Q30/06 , G06Q40/12
摘要： Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction records are stored when a customer conducts a transaction with a selected one of a first company and a second company. A plurality of customer transaction records are determined from a first enterprise. The plurality of customer transaction records are aggregated from the first enterprise, wherein the plurality of customer transaction records comprises records associated with the first company and records associated with the second company. The aggregated customer transaction records are communicated in response to the request.
摘要翻译：聚集客户记录以进行尽职调查以促进商业交易包括接收汇总客户交易记录的请求，其中当客户与第一公司和第二公司中的所选择的一个进行交易时，客户交易记录被存储。从第一企业确定多个客户交易记录。多个客户交易记录从第一企业聚合，其中多个客户交易记录包括与第一公司相关联的记录和与第二公司相关联的记录。汇总的客户交易记录是根据请求进行通信的。

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

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。

8. 发明申请

US20110213690A1 CARBON FOOTPRINT DETERMINATIONS 审中-公开
标题翻译：碳质量测定
公开(公告)号：US20110213690A1
公开(公告)日：2011-09-01
申请号：US12713618
申请日：2010-02-26
申请人： Debashis Ghosh , Sudeshna Banerjee , Mark V. Krein , Sreedevi Gummuluri , Thayer S. Allison, JR. , David Joa , Kurt D. Newman , Yanghong Shao , Timothy Bendel
发明人： Debashis Ghosh , Sudeshna Banerjee , Mark V. Krein , Sreedevi Gummuluri , Thayer S. Allison, JR. , David Joa , Kurt D. Newman , Yanghong Shao , Timothy Bendel
IPC分类号： G06Q99/00 , G06Q50/00 , G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/018 , G06Q40/04
摘要： Described herein are various apparatuses, methods, and computer program products for providing a carbon-footprint modeling environment that determines a consumer's carbon footprint based on the consumer's acquisition of goods and/or services, as indicated by the consumer's transaction data. For example, the carbon-footprint modeling environment collects the consumer's transaction data for a predefined period of time and identifies transaction data that indicates the consumer's acquisition of goods and/or services that, when produced and/or consumed, result in greenhouse gas emissions. According to some embodiments, the carbon-footprint modeling environment categorizes goods and/or services into, for example, the following categories: transportation, housing, food, waste, and miscellaneous. Based on information gleaned from the consumer's transaction data, the modeling environment may determine the quantities of goods and services the consumer consumed in each of the categories and then apply conversion ratios to convert the respective quantities of goods and/or services consumed into units of greenhouse gas emissions.
摘要翻译：这里描述的是用于提供碳足迹建模环境的各种装置，方法和计算机程序产品，其根据消费者的交易数据所指示的消费者对货物和/或服务的获取来确定消费者的碳足迹。例如，碳足迹建模环境在预定义的时间段内收集消费者的交易数据，并且识别指示消费者购买在生产和/或消费时产生温室气体排放的商品和/或服务的交易数据。根据一些实施例，碳足迹建模环境将商品和/或服务分类为例如以下类别：运输，住房，食品，废物和杂项。根据消费者交易数据收集的信息，建模环境可以确定消费者在每个类别中消费的商品和服务的数量，然后应用转化率将各种消费的商品和/或服务数量转换为温室单位气体排放

9. 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。

10. 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。

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