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1. 发明申请

US20100106638A1 APPARATUS AND METHODS FOR VERIFYING A CREDIT APPLICANT'S INCOME THAT ENHANCE A CREDIT APPLICANT'S EXPERIENCE 有权
标题翻译：信用证申请人收入增加信用申请人经验的手段和方法
公开(公告)号：US20100106638A1
公开(公告)日：2010-04-29
申请号：US12256639
申请日：2008-10-23
申请人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
发明人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q30/02 , G06Q40/02
摘要： Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.
摘要翻译：用于处理贷款申请的设备和方法。该装置和方法可以涉及访问包括多个交易的金融机构客户账户; 识别属于预定交易类别的交易; 并总结交易。摘要信息可以作为收入和费用流程报告的一部分，该报告至少部分地表征账户或申请人的特征。金融机构代表可以查询数据库的摘要信息，并可选地根据贷款申请和汇总信息启动承销流程。

2. 发明授权

US08645264B2 Apparatus and methods for verifying a credit applicant's income that enhance a credit applicant's experience 有权
标题翻译：用于核实信用申请人收入的提高信用申请人经验的方法和装置
公开(公告)号：US08645264B2
公开(公告)日：2014-02-04
申请号：US12256639
申请日：2008-10-23
申请人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
发明人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/025 , G06Q30/02 , G06Q40/02
摘要： Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.
摘要翻译：用于处理贷款申请的设备和方法。该装置和方法可以涉及访问包括多个交易的金融机构客户账户; 识别属于预定交易类别的交易; 并总结交易。摘要信息可以作为收入和费用流程报告的一部分，该报告至少部分地表征账户或申请人的特征。金融机构代表可以查询数据库的摘要信息，并可选地根据贷款申请和汇总信息启动承销流程。

3. 发明授权

US08645245B2 Offset optimization system 有权
标题翻译：偏移优化系统
公开(公告)号：US08645245B2
公开(公告)日：2014-02-04
申请号：US12847349
申请日：2010-07-30
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/04 , G06Q20/10 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译：提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中提取资金以抵消逾期债务的抵消行动中收集的金额。在操作中，本发明的实施例利用存款帐户的交易历史来检测帐户的存款模式，并且基于检测到的模式来预测下一笔大额存款到可附加账户的日期。然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。

4. 发明授权

US07792727B2 Offset optimization system 有权
标题翻译：偏移优化系统
公开(公告)号：US07792727B2
公开(公告)日：2010-09-07
申请号：US12255000
申请日：2008-10-21
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/10
CPC分类号： G06Q40/02 , G06Q10/04 , G06Q20/10 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译：提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中获得资金以抵消违约债务的偏移行动中收集的金额。在操作中，本发明的实施例利用存款帐户的交易历史来检测账户的存款模式，并且基于检测到的模式，将下一笔大额存款的日期预测到可装修账户。然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。

5. 发明申请

US20100100476A1 OFFSET OPTIMIZATION SYSTEM 有权
标题翻译：偏移优化系统
公开(公告)号：US20100100476A1
公开(公告)日：2010-04-22
申请号：US12255000
申请日：2008-10-21
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/04 , G06Q20/10 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译：提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中获得资金以抵消违约债务的偏移行动中收集的金额。在操作中，本发明的实施例利用存款帐户的交易历史来检测账户的存款模式，并且基于检测到的模式，将下一笔大额存款的日期预测到可装修账户。然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。

6. 发明申请

US20100299250A1 OFFSET OPTIMIZATION SYSTEM 有权
公开(公告)号：US20100299250A1
公开(公告)日：2010-11-25
申请号：US12847349
申请日：2010-07-30
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/04 , G06Q20/10 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.

7. 发明授权

US08751342B2 Identifying potential customers using payment information 有权
标题翻译：使用付款信息识别潜在客户
公开(公告)号：US08751342B2
公开(公告)日：2014-06-10
申请号：US12652554
申请日：2010-01-05
申请人： Mark Krein , Debashis Ghosh , Thayer Allison , Kurt Newman , Yanghong Shao , Sudeshna Banerjee , David Joa
发明人： Mark Krein , Debashis Ghosh , Thayer Allison , Kurt Newman , Yanghong Shao , Sudeshna Banerjee , David Joa
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/0204 , G06Q30/0259 , G06Q40/00
摘要： Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.
摘要翻译：本公开的方面涉及被配置为识别潜在客户的计算机，其可以包括处理器和存储计算机可执行指令的存储器，所述计算机可执行指令在执行时使得计算机执行用于识别第一银行的潜在客户的方法，通过电子地接收关于第一家银行，电子地接收有关第二家银行的数据。此外，基于电子接收的数据，该方法还可以包括识别第一银行的位置，识别第二银行的位置，将第一银行的位置与第二银行的位置进行比较，确定第二银行的位置在所述第一银行的至少一个位置的预定距离内确定所述第二银行的每个位置中的一组存款帐户中的资金量，以及确定所述第二银行的每个位置中的资金量是否大于预定量。

8. 发明申请

US20100274718A1 FINANCIAL INSTITUTE-IMPLEMENTED ACCOUNT MANAGEMENT SYSTEM 审中-公开
标题翻译：财务机构实施帐户管理系统
公开(公告)号：US20100274718A1
公开(公告)日：2010-10-28
申请号：US12430706
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
CPC分类号： G06Q40/02 , G06Q20/40 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for an automated system for financial institution account management. The methods, systems and computer program products herein described allow the customer to link financial institution accounts and authorize a financial institution automatically and intuitively manage the linked accounts. Automated management includes managing the transfer of funds between accounts to ensure minimum balances, maximize rate of return and minimize the number of transfers between accounts.
摘要翻译：提供系统，方法和计算机程序产品，用于金融机构帐户管理的自动化系统。本文描述的方法，系统和计算机程序产品允许客户链接金融机构账户并授权金融机构自动和直观地管理链接的账户。自动管理包括管理账户之间的资金转移，以确保最低余额，最大化回报率和最小化账户之间的转账数量。

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

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。

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