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1. 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。

2. 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。

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. 发明申请

US20070244741A1 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金融行为的预测建模
公开(公告)号：US20070244741A1
公开(公告)日：2007-10-18
申请号：US11623266
申请日：2007-01-15
申请人： Matthias Blume , Michael Lazarus , Larry Peranich , Frederique Vernhes , Kenneth Brown , William Caid , Ted Dunning , Gerald Russell , Kevin Sitze
发明人： Matthias Blume , Michael Lazarus , Larry Peranich , Frederique Vernhes , Kenneth Brown , William Caid , Ted Dunning , Gerald Russell , Kevin Sitze
IPC分类号： G06F17/30
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。

5. 发明申请

US20050159996A1 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：US20050159996A1
公开(公告)日：2005-07-21
申请号：US11012812
申请日：2004-12-14
申请人： Michael Lazarus , Larry Peranich , Frederique Vernhes , Matthias Blume , Kenneth Brown , William Caid , Ted Dunning , Gerald Russell , Kevin Sitze
发明人： Michael Lazarus , Larry Peranich , Frederique Vernhes , Matthias Blume , Kenneth Brown , William Caid , Ted Dunning , Gerald Russell , Kevin 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. 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。

6. 发明申请

US20130085837A1 Conversion/Non-Conversion Comparison 审中-公开
标题翻译：转换/非转换比较
公开(公告)号：US20130085837A1
公开(公告)日：2013-04-04
申请号：US13252165
申请日：2011-10-03
申请人： Matthias Blume
发明人： Matthias Blume
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0241
摘要： An apparatus having, a communications interface, a memory to store processor-executable instructions, and a processor communicatively coupled to the at least one communications interface and a memory. Upon execution of the processor-executable instructions, the processor may receive user interaction data, that includes content items and conversion items, where a conversion item is a user action that satisfies a predetermined conversion criteria. The apparatus receives conversion data including conversion path data for a plurality of conversion paths, such that each conversion path includes user interaction data prior to and including a conversion event. The apparatus determines a first and second distribution data that includes a metric that is determined based on one or more events associated with the advertisement. The apparatus compares the first distribution data with the second distribution data to determine the performance data, that indicates whether the advertisement had an affect on the conversion event.
摘要翻译：一种具有通信接口，存储器以存储处理器可执行指令的设备，以及通信地耦合到所述至少一个通信接口和存储器的处理器。在执行处理器可执行指令时，处理器可以接收包括内容项和转换项的用户交互数据，其中转换项是满足预定转换标准的用户动作。该装置接收包括多个转换路径的转换路径数据的转换数据，使得每个转换路径包括转换事件之前和之后的用户交互数据。该装置确定包括基于与广告相关联的一个或多个事件确定的度量的第一和第二分发数据。该装置将第一分发数据与第二分发数据进行比较，以确定表现数据，其指示广告是否对转换事件有影响。

7. 发明申请

US20080110978A1 Cardholder Localization Based on Transaction Data 有权
标题翻译：基于交易数据的持卡人本地化
公开(公告)号：US20080110978A1
公开(公告)日：2008-05-15
申请号：US11936728
申请日：2007-11-07
申请人： Matthias Blume , Bruce D. Harris
发明人： Matthias Blume , Bruce D. Harris
IPC分类号： G06F19/00
CPC分类号： G06Q20/20 , G06Q20/04 , G06Q20/102 , G06Q20/40 , G06Q20/4016 , G06Q20/403
摘要： Methods and apparatus, including computer program products, for cardholder localization based on transaction data. In general, a determination of one or more possible base locations of a cardholder of a payment card may be initiated. Transactions of the cardholder may be associated with merchant customer base location profiles, where each of the merchant customer base location profiles models a distribution of base locations of customers with which a merchant has had a transaction. The one or more possible cardholder base locations may be derived from the merchant customer base location profiles. The one or more possible cardholder base locations may be used to determine a home or office location of a cardholder where such information is not otherwise available, to determine whether a cardholder has moved from a stated address, to determine if a cardholder has multiple residences, to detect fraud, and the like.
摘要翻译：方法和设备，包括计算机程序产品，用于基于交易数据的持卡人本地化。通常，可以启动支付卡的持卡人的一个或多个可能的基本位置的确定。持卡人的交易可以与商家客户基础位置简档相关联，其中每个商家客户基本位置配置文件模拟商家具有交易的客户的基本位置的分布。一个或多个可能的持卡人基地址可以从商家客户基础位置简档导出。可以使用一个或多个可能的持卡人基地位置来确定持卡人的家庭或办公室位置，其中这些信息不可用，以确定持卡人是否已经从所述地址移动，以确定持卡人是否具有多个住所，检测欺诈等。

8. 发明授权

US08396742B1 System and method for optimizing paid search advertising campaigns based on natural search traffic 有权
标题翻译：基于自然搜索流量优化付费搜索广告活动的系统和方法
公开(公告)号：US08396742B1
公开(公告)日：2013-03-12
申请号：US12329391
申请日：2008-12-05
申请人： Matthias Blume , Raul Navarro-Cantu , Craig Macdonald , Dema Zlotin , Russ Mann
发明人： Matthias Blume , Raul Navarro-Cantu , Craig Macdonald , Dema Zlotin , Russ Mann
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0256 , G06Q30/0246
摘要： The invention is a computer-implementable methodology for quantitatively assessing the impact of paid search advertising on the total visits (paid and organic search-based visits) from search engines and utilizing this assessment to improve search engine marketing performance. The methodology relies on the computation of a synergy score for each search engine keyword of interest or coefficients in a synergy equation. Once computed, the score can be used to repeatedly compute the total return on advertising spend (ROAS) and other performance metrics on a go-forward basis without the time lag inherent in computing the synergy score itself. The invention includes specific computer-implementable methods for improving search engine marketing performance based on the total (paid plus organic) performance metrics.
摘要翻译：本发明是一种计算机可实现的方法，用于定量评估付费搜索广告对来自搜索引擎的总访问（有偿和有机搜索访问）的影响，并利用此评估来提高搜索引擎营销绩效。该方法依赖于在协同方程中对感兴趣的每个搜索引擎关键词或系数的协同评分的计算。一旦计算，该分数可用于重复计算广告支出（ROAS）的总收益和其他性能指标，而无需计算协同评分本身所固有的时间滞后。本发明包括基于总计（付费加有机）性能指标来改进搜索引擎营销绩效的特定计算机可实现的方法。

9. 发明授权

US07870151B2 Fast accurate fuzzy matching 有权
标题翻译：快速准确的模糊匹配
公开(公告)号：US07870151B2
公开(公告)日：2011-01-11
申请号：US11762672
申请日：2007-06-13
申请人： Uwe Mayer , Vijay Narayanan , Matthias Blume
发明人： Uwe Mayer , Vijay Narayanan , Matthias Blume
IPC分类号： G06F17/30 , G06F9/44
CPC分类号： G06F17/30542
摘要： A computer-implemented technique for fuzzy matching. This works quickly yet accurately to determine if a given computer-readable record is represented, by exact match or pretty close match, in a large collection of computer-readable records. Further tools may be provided to assess the character of the match.
摘要翻译：一种用于模糊匹配的计算机实现技术。这可以快速而准确地确定，以确定给定的计算机可读记录是通过精确匹配或非常接近的匹配来表示的。可以提供进一步的工具来评估比赛的特征。

10. 发明授权

US08706474B2 Translation of entity names based on source document publication date, and frequency and co-occurrence of the entity names 有权
标题翻译：基于源文件发布日期的实体名称翻译，实体名称的频率和同时发生
公开(公告)号：US08706474B2
公开(公告)日：2014-04-22
申请号：US12110231
申请日：2008-04-25
申请人： Matthias Blume , Dayne B. Freitag , Zhiqiang Wang
发明人： Matthias Blume , Dayne B. Freitag , Zhiqiang Wang
IPC分类号： G06F17/28
CPC分类号： G06F17/289 , G06F17/278 , G06F17/28 , G06F17/2872
摘要： Methods and apparatus, including computer program products, related to entity name translation. In general, a set of data records including one or more names of one or more entities in a source language is received and candidate translations are generated for the names of the data records. The candidate translations are strings of characters in a target language that has a different orthography than an orthography of the source language. A data repository is queried for records matching the candidate translations. A translation of at least one of the candidate translations is selected based on a comparison of a combination of candidate translations and properties of the source record comprising of the publication date, entity name co-occurrence and their frequency with the result of the querying the data repository.
摘要翻译：方法和设备，包括计算机程序产品，涉及实体名称翻译。通常，接收包括源语言中的一个或多个实体的一个或多个名称的一组数据记录，并为数据记录的名称生成候选翻译。候选翻译是具有与源语言的正字法不同的正字法的目标语言中的字符串。查询与候选翻译匹配的记录的数据存储库。基于候选翻译的组合和包括发布日期，实体名称共现及其频率的源记录的属性与查询数据的结果的比较来选择候选翻译中的至少一个的翻译存储库

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