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1. 发明授权

US08032448B2 Detecting and measuring risk with predictive models using content mining 有权
标题翻译：使用内容挖掘的预测模型检测和测量风险
公开(公告)号：US08032448B2
公开(公告)日：2011-10-04
申请号：US11867602
申请日：2007-10-04
申请人： Russell Anderson , Larry S. Peranich , Ricardo M. Dungca , Joseph P. Milana , Xuhui Shao , Paul C. Dulany , Khosrow M. Hassibi , James C. Baker
发明人： Russell Anderson , Larry S. Peranich , Ricardo M. Dungca , Joseph P. Milana , Xuhui Shao , Paul C. Dulany , Khosrow M. Hassibi , James C. Baker
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q40/025 , G06Q40/12
摘要： Computer implemented methods and systems of processing transactions to determine the risk of transaction convert high categorical information, such as text data, to low categorical information, such as category or cluster IDs. The text data may be merchant names or other textual content of the transactions, or data related to a consumer, or any other type of entity which engages in the transaction. Content mining techniques are used to provide the conversion from high to low categorical information. In operation, the resulting low categorical information is input, along with other data, into a statistical model. The statistical model provides an output of the level of risk in the transaction. Methods of converting the high categorical information to low categorical clusters, of using such information, and other aspects of the use of such clusters are disclosed.
摘要翻译：计算机实现的处理事务的方法和系统以确定事务的风险将高分类信息（例如文本数据）转换为低分类信息，例如类别或集群ID。文本数据可以是交易的商家名称或其他文本内容，或与消费者相关的数据，或任何参与交易的其他类型的实体。内容挖掘技术用于提供从高到低分类信息的转换。在操作中，将所得到的低分类信息与其他数据一起输入到统计模型中。统计模型提供交易中风险水平的输出。公开了将高分类信息转换为低分类集群，使用这种信息的方法以及使用这种集群的其它方面。

2. 发明申请

US20090234683A1 Detecting and Measuring Risk with Predictive Models Using Content Mining 有权
标题翻译：使用内容挖掘的预测模型检测和测量风险
公开(公告)号：US20090234683A1
公开(公告)日：2009-09-17
申请号：US11867602
申请日：2007-10-04
申请人： Russell Anderson , Larry S. Peranich , Ricardo M. Dungca , Joseph P. Milana , Xuhui Shao , Paul C. Dulany , Khosrow M. Hassibi , James C. Baker
发明人： Russell Anderson , Larry S. Peranich , Ricardo M. Dungca , Joseph P. Milana , Xuhui Shao , Paul C. Dulany , Khosrow M. Hassibi , James C. Baker
IPC分类号： G06Q10/00 , G06N5/02 , G06Q30/00
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q40/025 , G06Q40/12
摘要： Computer implemented methods and systems of processing transactions to determine the risk of transaction convert high categorical information, such as text data, to low categorical information, such as category or cluster IDs. The text data may be merchant names or other textual content of the transactions, or data related to a consumer, or any other type of entity which engages in the transaction. Content mining techniques are used to provide the conversion from high to low categorical information. In operation, the resulting low categorical information is input, along with other data, into a statistical model. The statistical model provides an output of the level of risk in the transaction. Methods of converting the high categorical information to low categorical clusters, of using such information, and other aspects of the use of such clusters are disclosed.
摘要翻译：计算机实现的处理事务的方法和系统以确定事务的风险将高分类信息（例如文本数据）转换为低分类信息，例如类别或集群ID。文本数据可以是交易的商家名称或其他文本内容，或与消费者相关的数据，或任何参与交易的其他类型的实体。内容挖掘技术用于提供从高到低分类信息的转换。在操作中，将所得到的低分类信息与其他数据一起输入到统计模型中。统计模型提供交易中风险水平的输出。公开了将高分类信息转换为低分类集群，使用这种信息的方法以及使用这种集群的其它方面。

3. 发明授权

US06839682B1 Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching 有权
标题翻译：使用监督分割和最近邻匹配的消费者财务行为的预测建模
公开(公告)号：US06839682B1
公开(公告)日：2005-01-04
申请号：US09679022
申请日：2000-10-03
申请人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
发明人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
IPC分类号： G06Q30/02 , G06F17/60
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0207 , G06Q30/0241 , G06Q30/0255 , G06Q30/0269 , G06Q30/0601
摘要： Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Consumer vectors are developed within the vector space, to represent interests of particular consumers by virtue of relative vector positions of consumer and merchant vectors. Various techniques, including clustering, supervised segmentation, and nearest-neighbor analysis, are applied separately or in combination to generate improved predictions of consumer behavior.
摘要翻译：通过将消费者交易数据应用于与商家细分相关的预测模型，提供消费者财务行为的预测建模，包括对特定营销努力的可能响应的确定。商业细分是根据交易序列中商家的共同出现从消费者交易数据中得出的。商家向量表示特定商家，并且在向量空间中对齐，作为商家与预期频繁相同程度的函数。消费者向量在向量空间内发展，通过消费者和商户向量的相对向量位置来代表特定消费者的兴趣。各种技术，包括聚类，监督分割和最近邻分析，分别或组合应用，以产生消费者行为的改进预测。

4. 发明授权

US06430539B1 Predictive modeling of consumer financial behavior 有权
标题翻译：消费者财务行为的预测建模
公开(公告)号：US06430539B1
公开(公告)日：2002-08-06
申请号：US09306237
申请日：1999-05-06
申请人： Michael A. Lazarus , A. U. Mattias Blume , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Larry S. Peranich , Gerald R. Russell , Kevin L. Sitze
发明人： Michael A. Lazarus , A. U. Mattias Blume , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Larry S. Peranich , Gerald R. Russell , Kevin L. Sitze
IPC分类号： G06F1760
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0207 , G06Q30/0241 , G06Q30/0255 , G06Q30/0269 , G06Q30/0601
摘要： Predictive modeling of consumer financial behavior is provided by application of consumer transaction data to predictive models associated with merchant segments. Merchant segments are derived from consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors representing specific merchants are clustered to form merchant segments in a vector space as a function of the degree to which merchants co-occur more or less frequently than expected. Each merchant segment is trained using consumer transaction data in selected past time periods to predict spending in subsequent time periods for a consumer based on previous spending by the consumer. Consumer profiles describe summary statistics of consumer spending in and across merchant segments. Analysis of consumers associated with a segment identifies selected consumers according to predicted spending in the segment or other criteria, and the targeting of promotional offers specific to the segment and its merchants.
摘要翻译：消费者财务行为的预测建模是通过将消费者交易数据应用于与商家细分相关联的预测模型来提供的。商家细分来自消费者交易数据，这是根据交易顺序中商家的共同出现。代表特定商户的商家向量被聚集以在向量空间中形成商家分段，作为商家与预期频繁地共同出现的程度的函数。在选定的过去时间段内，使用消费者交易数据对每个商业细分进行培训，以根据消费者以前的消费来预测消费者的后续时间段的消费。消费者个人资料描述了商业细分市场内外的消费支出总结统计。根据分段或其他标准中的预测支出以及针对细分受众群及其商家的促销优惠的定位，对与细分相关联的消费者的分析识别所选择的消费者。

5. 发明授权

US5387526A Coated capillary tube for the controlled release of reagent 失效
标题翻译：涂层毛细管用于控释试剂
公开(公告)号：US5387526A
公开(公告)日：1995-02-07
申请号：US030445
申请日：1993-03-30
申请人： Harold R. Garner , Orenda F. Tuason , Larry S. Peranich
发明人： Harold R. Garner , Orenda F. Tuason , Larry S. Peranich
IPC分类号： B01L3/00 , B01L3/02 , G01N21/03 , G01N21/29 , G01N21/59 , G01N21/64 , G01N21/77 , G01N33/52 , G01N33/543 , G01N35/00 , G01N35/10
CPC分类号： B01L3/508 , B01L3/502 , G01N21/03 , G01N33/52 , G01N33/54373 , B01L2200/16 , B01L2300/0838 , B01L2300/087 , B01L3/021 , G01N2021/0346 , G01N2035/00237 , G01N2035/1062 , G01N21/29 , Y10S436/81 , Y10T436/143333
摘要： A hollow, elongated, micropipette, which is specially adapted for use in spectrometers and which has an inner wall on which a coating containing a reagent has been deposited, is provided. The reagent is selected from among those that interact with one or more compounds in a sample solution, which is introduced into the micropipette, in order to permit the compounds to be detected by virtue of light absorption or emission by the complexes formed upon interaction of the reagent with the compound of interest in the sample.Upon introduction of the sample solution into the micropipette, a sufficient amount of the reagent in the coating dissolves in the solution and reacts, either directly or indirectly with a compound or compounds of interest in the solution to render such compound detectable and to permit quantification of the concentration of the compound in the sample. The resulting solution is held in the micropipette for analysis of the light absorption or light emission characteristics of the solution to determine the composition of the solution or the concentration of a particular constituent of the solution.In preferred embodiments, the coating on the inner surface of the micropipette includes a binding agent or adhesive that delays, preferably for about 5 to 15 sec, the dissolution of the reagent in the solution.
摘要翻译： PCT No.PCT / US91 / 06567 Sec。 371日期1993年3月30日 102（e）1993年3月30日PCT 1991年9月11日PCT。一种中空的细长的微量移液器，其特别适用于分光计，并且其内壁上已经沉积了含有试剂的涂层，被提供。该试剂选自与引入微量吸管中的样品溶液中的一种或多种化合物相互作用的试剂，以便允许通过在相互作用下形成的络合物的光吸收或发射来检测化合物试剂与样品中感兴趣的化合物。当将样品溶液引入微量移液管中时，涂层中的足量的试剂溶解在溶液中，直接或间接地与溶液中的化合物或化合物直接或间接反应，以使该化合物可检测并允许定量样品中化合物的浓度。将所得溶液保持在微量移液管中，以分析溶液的光吸收或发光特性，以确定溶液的组成或溶液的特定成分的浓度。在优选的实施方案中，微量移液管内表面上的涂层包括粘合剂或粘合剂，其优选延长试剂溶解在溶液中约5至15秒。

6. 再颁专利

USRE42663E1 Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching 有权
标题翻译：使用监督分割和最近邻匹配的消费者财务行为的预测建模
公开(公告)号：USRE42663E1
公开(公告)日：2011-08-30
申请号：US12729218
申请日：2010-03-22
申请人： Michael Lazarus , Larry S. Peranich , Frederique Vernhes , A. U. Matthias Blume , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin Sitze
发明人： Michael Lazarus , Larry S. Peranich , Frederique Vernhes , A. U. Matthias Blume , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin Sitze
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0207 , G06Q30/0241 , G06Q30/0255 , G06Q30/0269 , G06Q30/0601
摘要： Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments, which are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur. Supervised segmentation is applied to merchant vectors to form merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. Consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors.
摘要翻译：消费者财务行为的预测建模，包括对特定营销努力的可能响应的确定，通过将消费者交易数据应用于与商家分段相关联的预测模型来提供，所述预测模型是根据基于商家的序列顺序的消费者交易数据得出的消费者交易数据的交易。商家向量代表特定商家，并且在向量空间中对齐，作为商家共同发生的程度的函数。监督分割被应用于商家向量以形成商家分段。商业细分预测模型根据消费者以前的支出，为每个特定消费者的每个商业细分市场提供支出预测。消费者个人资料描述了每个消费者在商家细分中以及跨商家细分的消费的总体统计。消费者概况包括作为由消费者光顾的所选商家的汇总向量导出的消费者向量。消费者行为的预测是通过对消费者向量应用最近邻分析来做出的。

7. 再颁专利

USRE42577E1 Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching 有权
标题翻译：使用监督分割和最近邻匹配的消费者财务行为的预测建模
公开(公告)号：USRE42577E1
公开(公告)日：2011-07-26
申请号：US12729215
申请日：2010-03-22
申请人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , William R. Caid , Ted E. Dunning , Gerald S. Russell , Kevin L. Sitze
发明人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , William R. Caid , Ted E. Dunning , Gerald S. Russell , Kevin L. Sitze
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0207 , G06Q30/0241 , G06Q30/0255 , G06Q30/0269 , G06Q30/0601
摘要： Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Supervised segmentation is applied to merchant vectors to form the merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. The consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors, thus facilitating the targeting of promotional offers to consumers most likely to respond positively.
摘要翻译：通过将消费者交易数据应用于与商家细分相关的预测模型，提供消费者财务行为的预测建模，包括对特定营销努力的可能响应的确定。商业细分是根据交易序列中商家的共同出现从消费者交易数据中得出的。商家向量表示特定商家，并且在向量空间中对齐，作为商家与预期频繁相同程度的函数。监督分割被应用于商家向量以形成商家分段。商业细分预测模型根据消费者以前的支出，为每个特定消费者的每个商业细分市场提供支出预测。消费者个人资料描述了每个消费者在商家细分中以及跨商家细分的消费的总体统计。消费者资料包括作为由消费者光顾的所选商家的汇总向量导出的消费者向量。消费者行为的预测是通过对消费者向量应用最近邻分析来做出的，从而有助于向最有可能积极响应的消费者定位促销优惠。

8. 发明授权

US07165037B2 Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching 有权
标题翻译：使用监督分割和最近邻匹配的消费者财务行为的预测建模
公开(公告)号：US07165037B2
公开(公告)日：2007-01-16
申请号：US11012812
申请日：2004-12-14
申请人： Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , A. U. Mattias Blume , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
发明人： Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , A. U. Mattias Blume , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0207 , G06Q30/0241 , G06Q30/0255 , G06Q30/0269 , G06Q30/0601
摘要： Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments, which are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur. Supervised segmentation is applied to merchant vectors to form merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. Consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors.
摘要翻译：消费者财务行为的预测建模，包括对特定营销努力的可能响应的确定，通过将消费者交易数据应用于与商家分段相关联的预测模型来提供，所述预测模型是根据基于商家的序列顺序的消费者交易数据得出的消费者交易数据的交易。商家向量代表特定商家，并且在向量空间中对齐，作为商家共同发生的程度的函数。监督分割被应用于商家向量以形成商家分段。商业细分预测模型根据消费者以前的支出，为每个特定消费者的每个商业细分市场提供支出预测。消费者个人资料描述了每个消费者在商家细分中以及跨商家细分的消费的总体统计。消费者概况包括作为由消费者光顾的所选商家的汇总向量导出的消费者向量。消费者行为的预测是通过对消费者向量应用最近邻分析来做出的。

9. 发明授权

US07533038B2 Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching 有权
标题翻译：使用监督分割和最近邻匹配的消费者财务行为的预测建模
公开(公告)号：US07533038B2
公开(公告)日：2009-05-12
申请号：US11623266
申请日：2007-01-15
申请人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
发明人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0207 , G06Q30/0241 , G06Q30/0255 , G06Q30/0269 , G06Q30/0601
摘要： Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Supervised segmentation is applied to merchant vectors to form the merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. The consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors, thus facilitating the targeting of promotional offers to consumers most likely to respond positively.
摘要翻译：通过将消费者交易数据应用于与商家细分相关的预测模型，提供消费者财务行为的预测建模，包括对特定营销努力的可能响应的确定。商业细分是根据交易序列中商家的共同出现从消费者交易数据中得出的。商家向量表示特定商家，并且在向量空间中对齐，作为商家与预期频繁相同程度的函数。监督分割被应用于商家向量以形成商家分段。商业细分预测模型根据消费者以前的支出，为每个特定消费者的每个商业细分市场提供支出预测。消费者个人资料描述了每个消费者在商家细分中以及跨商家细分的消费的总体统计。消费者资料包括作为由消费者光顾的所选商家的汇总向量导出的消费者向量。消费者行为的预测是通过对消费者向量应用最近邻分析来做出的，从而有助于向最有可能积极响应的消费者定位促销优惠。

10. 发明授权

US5525521A Cystic fibrosis tester 失效
标题翻译：囊性纤维化检测仪
公开(公告)号：US5525521A
公开(公告)日：1996-06-11
申请号：US490820
申请日：1995-06-15
申请人： Larry S. Peranich
发明人： Larry S. Peranich
IPC分类号： G01N22/00 , G01N23/02
CPC分类号： G01N22/00 , Y10T436/193333
摘要： A device and method for testing for Cystic Fibrosis includes a sample cell having a capillary tube with a lumen that will hold approximately five microliters of sweat. The capillary tube has metallic rings around each end of the tube with an RF oscillator attached to one ring and a microprocessor attached to the other. An RF signal, which is transmitted from the RF oscillator through the sweat in the sample cell, is subsequently analyzed at the microprocessor by comparing the transmitted signal to a reference. In accordance with the comparison made by the microprocessor, the presence of Cystic Fibrosis may be detected.
摘要翻译：用于囊性纤维化测试的装置和方法包括具有毛细管的样品池，其具有将保持约5微升汗液的内腔。毛细管在管的每一端具有金属环，RF振荡器连接到一个环上，微处理器连接到另一个环。随后通过将所发送的信号与参考值进行比较，在微处理器中分析从RF振荡器通过样本单元中的汗液发送的RF信号。根据微处理器的比较，可以检测到囊性纤维化的存在。

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