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1. 发明申请

US20100057574A1 BUDGET ENVELOPE CREDIT CARD 审中-公开
标题翻译：预算信用卡
公开(公告)号：US20100057574A1
公开(公告)日：2010-03-04
申请号：US12199906
申请日：2008-08-28
申请人： Sudeshna Banerjee , Debashis Ghosh , David N. Joffe , Hans Shumacher , Sreedevi Gummuluri , Jeff Carter , Nicholas Halpern , Dan Ariely
发明人： Sudeshna Banerjee , Debashis Ghosh , David N. Joffe , Hans Shumacher , Sreedevi Gummuluri , Jeff Carter , Nicholas Halpern , Dan Ariely
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0269 , G06Q40/00
摘要： Apparatus and methods for providing a budget envelope credit card are provided. An apparatus according to the invention may include a budget envelope credit card software engine and a rewards software engine that provides a reward scheme for use by the budget envelope credit card engine, the rewards scheme that defines a reward frequency.
摘要翻译：提供了一种提供预算信封信用卡的设备和方法。根据本发明的装置可以包括预算信封信用卡软件引擎和奖励软件引擎，其提供由预算信封信用卡引擎使用的奖励方案，定义奖励频率的奖励方案。

2. 发明授权

US08386319B1 Student prospects assessment system 有权
标题翻译：学生前景评估系统
公开(公告)号：US08386319B1
公开(公告)日：2013-02-26
申请号：US12339248
申请日：2008-12-19
申请人： Sudeshna Banerjee , Debashis Ghosh , Nicholas Halpern , Sreedevi Gummuluri , David Joa , Thayer Allison , Kurt D. Newman , Sean Michael Jones
发明人： Sudeshna Banerjee , Debashis Ghosh , Nicholas Halpern , Sreedevi Gummuluri , David Joa , Thayer Allison , Kurt D. Newman , Sean Michael Jones
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00
摘要： Embodiments of the present invention relate to systems, methods, and computer program products for assessing student prospects. More specifically, embodiments of the present invention are directed to receiving transaction data from a transaction involving a consumer, comparing the transaction data to an education position rule, and determining an education position based at least partially on a comparison of the transaction data to an education position rule.
摘要翻译：本发明的实施例涉及用于评估学生前景的系统，方法和计算机程序产品。更具体地，本发明的实施例涉及从涉及消费者的交易接收交易数据，将交易数据与教育位置规则进行比较，以及至少部分地基于交易数据与教育的比较来确定教育状况位置规则。

3. 发明申请

US20100241573A1 Conducting Customized Market Surveys with Transactional Data 审中-公开
标题翻译：进行具有交易数据的定制市场调查
公开(公告)号：US20100241573A1
公开(公告)日：2010-09-23
申请号：US12405748
申请日：2009-03-17
申请人： David Joa , Debashis Ghosh , David N. Joffe , Kurt Newman , Thayer S. Allison, JR. , Aaron Lai , Mark V. Krein , Sudeshna Banerjee , Yanghong Shao , Timothy John Bendel , Samuel Jeff Carter
发明人： David Joa , Debashis Ghosh , David N. Joffe , Kurt Newman , Thayer S. Allison, JR. , Aaron Lai , Mark V. Krein , Sudeshna Banerjee , Yanghong Shao , Timothy John Bendel , Samuel Jeff Carter
IPC分类号： G06Q10/00 , G06F17/30 , G06F17/40 , G06Q30/00 , G06Q40/00 , G06Q20/00
CPC分类号： G06Q30/02 , G06F16/24575 , G06Q20/10 , G06Q30/0204 , G06Q50/188
摘要： Systems and methods for consumer participation in a marketing survey and for development of marketing solicitations by corporate clients based on consumer transactional/demographic data are described. An individual seeking to participate in a marketing survey may first choose to be included in a database containing many surveys that have been added by corporate sponsors. The system may select a willing consumer for participation in the survey based on predefined preferred data metrics. Upon participation, the consumer may also receive a reward in the form of a cash payment or gift, which the system may credit directly to the consumer's bank account and/or to the consumer's account with a corporate affiliate. In addition, the platform may be used to generate marketing contact lists based on consumer demographic and transactional data for a corporate client.
摘要翻译：描述了基于消费者交易/人口统计数据的消费者参与营销调查和公司客户开发营销征集的系统和方法。寻求参与营销调查的个人可以首先选择被包含在包含许多由公司赞助商添加的调查的数据库中。该系统可以基于预定义的优选数据度量来选择愿意参与调查的消费者。参与后，消费者还可以以现金支付或礼物的形式获得奖励，系统可以直接向公司会员单位向消费者的银行帐户和/或消费者的账户信贷。此外，平台可用于根据企业客户的消费者人口统计和交易数据来生成营销联系人列表。

4. 发明授权

US08260645B2 Transaction recurrence engine 有权
标题翻译：交易重复引擎
公开(公告)号：US08260645B2
公开(公告)日：2012-09-04
申请号：US12430475
申请日：2009-04-27
申请人： Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , Debashis Ghosh , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa
发明人： Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , Debashis Ghosh , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa
IPC分类号： G06Q10/00 , G06F17/00 , G06G7/00
CPC分类号： G06Q40/02 , G06Q20/20 , G06Q30/0283 , G06Q30/06 , G06Q40/12
摘要： Embodiments of the present invention relate apparatuses and methods that allow a financial institution to monitor, group, and store customer transaction data and determine market information therefrom according to recurrence patterns. For example, in one embodiment a financial institution uses a computerized apparatus to monitor recurrences in financial transactions across a plurality of financial accounts maintained by the financial institution for a plurality of different customers, where the computerized apparatus is configured to automatically track recurrences in transaction data.
摘要翻译：本发明的实施例涉及允许金融机构根据再现模式监视，分组和存储客户交易数据并确定市场信息的装置和方法。例如，在一个实施例中，金融机构使用计算机化设备来监视由金融机构为多个不同客户维护的多个金融账户的金融交易中的复发，其中计算机化设备被配置为自动跟踪交易数据中的复现。

5. 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

6. 发明授权

US08504469B2 Detecting credit misuse 有权
标题翻译：检测信用滥用
公开(公告)号：US08504469B2
公开(公告)日：2013-08-06
申请号：US12705770
申请日：2010-02-15
申请人： Sreedevi Gummuluri , Yanghong Shao , Debashis Ghosh , Sudeshna Banerjee
发明人： Sreedevi Gummuluri , Yanghong Shao , Debashis Ghosh , Sudeshna Banerjee
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/06 , G06Q20/00 , G06Q20/4016 , G06Q30/0185 , G06Q40/00 , G06Q40/12
摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.
摘要翻译：与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人消费者为IMOC个人。为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

7. 发明申请

US20110202436A1 DETECTING CREDIT MISUSE 有权
标题翻译：检测信用错误
公开(公告)号：US20110202436A1
公开(公告)日：2011-08-18
申请号：US12705770
申请日：2010-02-15
申请人： Sreedevi Gummuluri , Yanghong Shao , Debashis Ghosh , Sudeshna Banerjee
发明人： Sreedevi Gummuluri , Yanghong Shao , Debashis Ghosh , Sudeshna Banerjee
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/06 , G06Q20/00 , G06Q20/4016 , G06Q30/0185 , G06Q40/00 , G06Q40/12
摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.
摘要翻译：与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人消费者为IMOC个人。为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

8. 发明申请

US20110082718A1 Analyzing Patterns within Transaction Data 审中-公开
标题翻译：分析交易数据中的模式
公开(公告)号：US20110082718A1
公开(公告)日：2011-04-07
申请号：US12574418
申请日：2009-10-06
申请人： Debashis Ghosh , Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , David Joa
发明人： Debashis Ghosh , Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , David Joa
IPC分类号： G06Q10/00
CPC分类号： G06Q30/0201 , G06Q20/00 , G06Q20/20 , G06Q20/4016 , G06Q30/06 , G07F7/08
摘要： A transaction data analyzer associated with a financial entity discovers patterns and/or sequences in consumer transaction data. The analyzer may provide businesses with feedback on spatiotemporal patterns in consumer spending habits. In certain embodiments, the transaction analyzer discovers the frequency of a sequence of purchases made at a first merchant immediately followed by purchases made at a second merchant. In another embodiment, the transaction analyzer discovers trends in consumer purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to, risk mitigation, merchant/consumer prospecting, and targeted promotions.
摘要翻译：与金融实体相关联的交易数据分析器发现消费者交易数据中的模式和/或序列。分析器可以为企业提供有关消费者消费习惯的时空模式的反馈。在某些实施例中，交易分析器发现在第一商户处立即进行的在第二商家进行的购买所进行的购买序列的频率。在另一个实施例中，交易分析器发现在周末期间消费者购买的趋势与周末期间的消费者购买趋势。分析结果可以以各种方式使用，包括但不限于风险缓解，商家/消费者探矿和有针对性的促销。

9. 发明申请

US20100250338A1 TRANSACTION RECURRENCE ENGINE 有权
标题翻译：交易循环发动机
公开(公告)号：US20100250338A1
公开(公告)日：2010-09-30
申请号：US12430475
申请日：2009-04-27
申请人： Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , Debashis Ghosh , Thayer S. Allison, JR. , Kurt D. Newman , David Joa
发明人： Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , Debashis Ghosh , Thayer S. Allison, JR. , Kurt D. Newman , David Joa
IPC分类号： G06Q10/00 , G06T11/20 , G06N5/02 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/20 , G06Q30/0283 , G06Q30/06 , G06Q40/12
摘要： Embodiments of the present invention relate apparatuses and methods that allow a financial institution to monitor, group, and store customer transaction data and determine market information therefrom according to recurrence patterns. For example, in one embodiment a financial institution uses a computerized apparatus to monitor recurrences in financial transactions across a plurality of financial accounts maintained by the financial institution for a plurality of different customers, where the computerized apparatus is configured to automatically track recurrences in transaction data.
摘要翻译：本发明的实施例涉及允许金融机构根据再现模式监视，分组和存储客户交易数据并确定市场信息的装置和方法。例如，在一个实施例中，金融机构使用计算机化设备来监视由金融机构为多个不同客户维护的多个金融账户的金融交易中的复发，其中计算机化设备被配置为自动跟踪交易数据中的复现。

10. 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。

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