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1. 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。

2. 发明授权

US08558663B2 Integration of facial recognition into cross channel authentication 有权
标题翻译：将面部识别整合到跨渠道认证中
公开(公告)号：US08558663B2
公开(公告)日：2013-10-15
申请号：US11947972
申请日：2007-11-30
申请人： Kurt D. Newman , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Thayer S. Allison, Jr.
发明人： Kurt D. Newman , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Thayer S. Allison, Jr.
IPC分类号： G05B19/00
CPC分类号： G07F19/20 , G06Q20/40 , G06Q20/40145 , G07C9/00087 , G07C9/00158 , G07F19/207
摘要： Real time facial images of individuals transacting accounts held in a bank facility are taken following the grant of authorization to the individual to access the account under the bank's required identification protocol, the real time facial images being matched to recorded facial images of account holders maintained by the bank to further authenticate the transacting individual as having authorized account access.
摘要翻译：在根据银行要求的身份认证协议授予个人访问帐户的授权之后，采取在银行设施中持有的个人交易帐户的实时面部图像，实时面部图像与记录的账户持有人的脸部图像相匹配银行进一步认证交易人员具有授权帐户访问权限。

3. 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。

4. 发明授权

US08346661B2 Aggregation of customer transaction data 有权
标题翻译：客户交易数据汇总
公开(公告)号：US08346661B2
公开(公告)日：2013-01-01
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： G06Q40/00
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，存储客户交易记录。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。

5. 发明申请

US20100235271A1 DETERMINATIONS RELATING TO RESOURCE DISTRIBUTION 有权
标题翻译：关于资源分配的决定
公开(公告)号：US20100235271A1
公开(公告)日：2010-09-16
申请号：US12785172
申请日：2010-05-21
申请人： Debashis Ghosh , Yanghong Shao , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa , Marc Douglas Halsted
发明人： Debashis Ghosh , Yanghong Shao , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa , Marc Douglas Halsted
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/04
摘要： Systems and methods that may determine whether to provide a resource to a consumer are disclosed. Further methods may allow distributing resources on an expedited basis or recheck previous determinations to provide a resource. In certain embodiment, resource transactions may be categorized. Illustrative categories may be organized by: investment, a non-investment expenditure, or income. In one embodiment, transactions categorized as non-investment expenditures may be categorized into subcategories, including necessities, discretionary, or debt. Calculations may be performed upon the categorized (and/or sub-categorized data). For example, one or more of the following ratios may be calculated: debt-to-income, investment-to-income, and expenditure-to-income. Ratios may be compared to one or more threshold values. Determinations of the threshold may consider information regarding other individuals' or business' resource transactions.
摘要翻译：公开了可以确定是否向消费者提供资源的系统和方法。进一步的方法可以允许在快速的基础上分配资源或重新检查先前的确定以提供资源。在某些实施例中，资源交易可以被分类。说明性类别可以通过以下方式组织：投资，非投资支出或收入。在一个实施例中，归类为非投资支出的交易可以分为子类别，包括必需品，酌情权或债务。可以对分类（和/或分类数据）执行计算。例如，可以计算以下一个或多个比率：债务与收入，投资与收入以及支出与收入。比率可以与一个或多个阈值进行比较。阈值的确定可以考虑关于其他个人或业务资源交易的信息。

6. 发明授权

US08095460B2 Determinations relating to resource distribution 有权
标题翻译：有关资源分配的决定
公开(公告)号：US08095460B2
公开(公告)日：2012-01-10
申请号：US12785172
申请日：2010-05-21
申请人： Debashis Ghosh , Yanghong Shao , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa , Marc Douglas Halsted
发明人： Debashis Ghosh , Yanghong Shao , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa , Marc Douglas Halsted
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/04
摘要： Systems and methods that may determine whether to provide a resource to a consumer are disclosed. Further methods may allow distributing resources on an expedited basis or recheck previous determinations to provide a resource. In certain embodiment, resource transactions may be categorized. Illustrative categories may be organized by: investment, a non-investment expenditure, or income. In one embodiment, transactions categorized as non-investment expenditures may be categorized into subcategories, including necessities, discretionary, or debt. Calculations may be performed upon the categorized (and/or sub-categorized data). For example, one or more of the following ratios may be calculated: debt-to-income, investment-to-income, and expenditure-to-income. Ratios may be compared to one or more threshold values. Determinations of the threshold may consider information regarding other individuals' or business' resource transactions.
摘要翻译：公开了可以确定是否向消费者提供资源的系统和方法。进一步的方法可以允许在快速的基础上分配资源或重新检查先前的确定以提供资源。在某些实施例中，资源交易可以被分类。说明性类别可以通过以下方式组织：投资，非投资支出或收入。在一个实施例中，归类为非投资支出的交易可以分为子类别，包括必需品，酌情权或债务。可以对分类（和/或分类数据）执行计算。例如，可以计算以下一个或多个比率：债务与收入，投资与收入以及支出与收入。比率可以与一个或多个阈值进行比较。阈值的确定可以考虑关于其他个人或业务资源交易的信息。

7. 发明授权

US08805730B2 Trigger data quality monitor 有权
标题翻译：触发数据质量监控
公开(公告)号：US08805730B2
公开(公告)日：2014-08-12
申请号：US13486593
申请日：2012-06-01
申请人： Naveen G. Yeri , Bibhudatta Jena , Arya Kumar Vedabrata , Chandrashekar Katuri , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, Jr. , Deepak Verma , Yanghong Shao , Parul Bajaj
发明人： Naveen G. Yeri , Bibhudatta Jena , Arya Kumar Vedabrata , Chandrashekar Katuri , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, Jr. , Deepak Verma , Yanghong Shao , Parul Bajaj
IPC分类号： G07F19/00
CPC分类号： G06Q40/02
摘要： Systems and methods for monitoring trigger data quality are provided herein. The systems and methods detect and report whether the current trigger counts are normal or flawed in real time. The systems and methods monitor the triggers to determine the accuracy, completeness, domain of values, and format of the trigger data. In the system and methods, account data associated with the one or more accounts is received and stored in a storage device; the account data is segregated into one or more periods of time; triggers associated with the one or more periods of time are identified based on transactions that occur during the one or more periods of time; a total transaction count for each of the triggers is calculated; and control limits are determined based on the transaction count for each of the triggers.
摘要翻译：本文提供了监控触发数据质量的系统和方法。系统和方法检测并报告当前触发计数是否正常或实时有缺陷。系统和方法监视触发器以确定触发数据的准确性，完整性，值域和格式。在系统和方法中，与一个或多个帐户相关联的帐户数据被接收并存储在存储设备中; 帐户数据被分隔成一个或多个时间段; 基于在一个或多个时间段期间发生的交易来识别与一个或多个时间段相关联的触发; 计算每个触发器的总事务计数; 并且基于每个触发器的事务计数来确定控制限制。

8. 发明授权

US08290951B1 Unstructured data integration with a data warehouse 有权
标题翻译：与数据仓库的非结构化数据集成
公开(公告)号：US08290951B1
公开(公告)日：2012-10-16
申请号：US12171024
申请日：2008-07-10
申请人： David Joa , Debashish Ghosh , Kurt Newman , Thayer S. Allison, Jr. , Elaine C. Marino , Joy M. Tarquin , Maryann Mangini , Yanghong Shao , Mark V. Krein
发明人： David Joa , Debashish Ghosh , Kurt Newman , Thayer S. Allison, Jr. , Elaine C. Marino , Joy M. Tarquin , Maryann Mangini , Yanghong Shao , Mark V. Krein
IPC分类号： G06F7/00 , G06F17/30
CPC分类号： G06Q40/02 , G06F17/30557
摘要： Techniques for bridging data from business support units, e.g., call centers and marketing operations, with a data warehouse to augment and enrich pre-existing customer information. Unstructured data is received with incomplete integration information. A data key is created from the unstructured data, and the unstructured data is integrated with the structured data in a data warehouse based on the data key. Unstructured data can assume different forms of data, including recorded audio data, facial image data, and iris image data. At least one customer identifier is extracted from the unstructured data by data mining. A data key is subsequently created from the at least one customer identifier. Incomplete integration may include partial integration information or may not include any integration information.
摘要翻译：通过数据仓库桥接来自业务支持单元（例如呼叫中心和营销操作）的数据的技术，以增强和丰富预先存在的客户信息。收到的非结构化数据不完整的集成信息。数据密钥是从非结构化数据创建的，非结构化数据与基于数据密钥的数据仓库中的结构化数据进行集成。非结构化数据可以采用不同形式的数据，包括记录的音频数据，面部图像数据和虹膜图像数据。通过数据挖掘从非结构化数据中提取至少一个客户标识符。随后从至少一个客户标识符创建数据密钥。不完全集成可以包括部分集成信息，或者不包括任何集成信息。

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