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1. 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。

2. 发明申请

US20110184777A1 DELINQUENCY MIGRATION MODEL 有权
标题翻译：审判移民模式
公开(公告)号：US20110184777A1
公开(公告)日：2011-07-28
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 , G06Q10/00 , G06Q50/00
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 delinquency characteristics of a credit 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信用投资组合的犯罪特征。

3. 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

4. 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。

5. 发明申请

US20110270618A1 MOBILE COMMERCE SYSTEM 审中-公开
标题翻译：移动商务系统
公开(公告)号：US20110270618A1
公开(公告)日：2011-11-03
申请号：US12770947
申请日：2010-04-30
申请人： Sudeshna Banerjee , Thayer S. Allison, JR. , Debashis Ghosh , David Joa , Kurt D. Newman , Hemant Kagade , Yanghong Shao
发明人： Sudeshna Banerjee , Thayer S. Allison, JR. , Debashis Ghosh , David Joa , Kurt D. Newman , Hemant Kagade , Yanghong Shao
IPC分类号： G06Q30/00 , G01S19/51
CPC分类号： G06Q40/02 , G06Q30/02
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing targeted product offers to a consumer's mobile device based on the consumer's current location, location history, transaction history, and purchase thresholds. Embodiments of the invention are also directed to systems, methods, and computer program products for obtaining feedback from the consumer in relation to an offer and providing a modified offer based on the feedback. In one embodiment, the feedback is a determination that a consumer is not interested in a merchant offer based on the consumer's substantially real-time location information and transaction information.
摘要翻译：本发明的实施例涉及用于基于消费者的当前位置，位置历史，交易历史和购买阈值向消费者的移动设备提供目标产品提供的系统，方法和计算机程序产品。本发明的实施例还涉及系统，方法和计算机程序产品，用于从报价中获得有关报价的反馈并根据反馈提供修改的报价。在一个实施例中，反馈是消费者基于消费者基本上实时的位置信息和交易信息对商家报价不感兴趣的确定。

6. 发明申请

US20110238538A1 AGGREGATION OF CUSTOMER TRANSACTION DATA 有权
标题翻译：客户交易数据的聚合
公开(公告)号：US20110238538A1
公开(公告)日：2011-09-29
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： G06Q10/00 , G06F17/30
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，客户交易记录被存储。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。

7. 发明申请

US20090140838A1 INTEGRATION OF FACIAL RECOGNITION INTO CROSS CHANNEL AUTHENTICATION 有权
标题翻译：将通识认证纳入跨渠道认证
公开(公告)号：US20090140838A1
公开(公告)日：2009-06-04
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： G06K9/64
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。

8. 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。

9. 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。

10. 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。

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