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137 条记录 (耗时 0.028 秒)

    Analyzing Patterns within Transaction Data
    91.
    发明申请
    Analyzing Patterns within Transaction Data 审中-公开
    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。

    MARKET DYNAMICS
    97.
    发明申请
    MARKET DYNAMICS 有权
    市场动态

    公开(公告)号：US20100076813A1

    公开(公告)日：2010-03-25

    申请号：US12236982

    申请日：2008-09-24

    申请人： Debashis Ghosh ,  Kurt Newman ,  David Joa ,  Timothy J. Bendel

    发明人： Debashis Ghosh ,  Kurt Newman ,  David Joa ,  Timothy J. Bendel

    IPC分类号： G06Q10/00 ,  G06F17/30

    CPC分类号： G06Q30/02 ,  G06Q30/0205

    摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing a market-dynamics network that assesses social and economic market dynamics in specific geographic regions. For example, the market-dynamics network collects transaction data from a large number of business-merchants across a large number of geographic locations and appends geographic-location identifiers to the collected transaction data. The market-dynamics network then aggregates transaction data in specific geographic regions and, based on the aggregated transaction data, assesses social and economic market dynamics in those geographic regions.

    摘要翻译： 本发明的实施例涉及用于提供评估特定地理区域中的社会和经济市场动态的市场动态网络的系统，方法和计算机程序产品。 例如，市场动态网络从大量地理位置的大量业务商收集交易数据，并将地理位置标识符附加到收集的交易数据。 然后，市场动态网络将特定地理区域的交易数据进行汇总，并根据汇总的交易数据评估这些地理区域的社会和经济市场动态。

    Low thermal spread battery module
    98.
    发明申请
    Low thermal spread battery module 审中-公开
    低散热电池模块

    公开(公告)号：US20100035139A1

    公开(公告)日：2010-02-11

    申请号：US12221704

    申请日：2008-08-06

    申请人： Debashis Ghosh ,  John R. Hambruch

    发明人： Debashis Ghosh ,  John R. Hambruch

    IPC分类号： H01M10/50

    CPC分类号： H01M2/105 ,  H01M10/613 ,  H01M10/617 ,  H01M10/643 ,  H01M10/653 ,  H01M10/6557 ,  H01M10/6561

    摘要： A battery pack assembly including a plurality of cells surrounded by a spacer for creating a radial space between the cell and cylindrical sections defining a casing. At least two of the cylindrical sections are conical or in different radial positions to define differing volumes between the respective two cells. Each of the cylindrical sections may be eccentrically offset from the respective cell to define a greater radial space adjacent the air inlet chamber and a lesser radial space adjacent the respective exit to increase the velocity of the discharging air adjacent the respective exit. Each of the cylindrical sections may have a casing undulating surface extending circumferentially and/or each of the walls of the cells may have a similar cell undulating surface to increase the cooling capacity of the cooling air.

    摘要翻译： 一种电池组组件，包括由间隔件围绕的多个电池，用于在电池和形成壳体的圆柱形部分之间形成径向空间。 至少两个圆柱形部分是圆锥形的或处于不同的径向位置，以在相应的两个单元之间限定不同的体积。 每个圆柱形部分可以偏离相应的单元，以限定邻近空气入口室的更大的径向空间和邻近相应出口的较小径向空间，以增加邻近相应出口的排出空气的速度。 每个圆柱形部分可以具有周向延伸的壳体波状表面和/或单元的每个壁可以具有相似的电池起伏表面以增加冷却空气的冷却能力。

    ACTIVITY BASED CREDIT CARD LIMIT ASSIGNMENT
    99.
    发明申请
    ACTIVITY BASED CREDIT CARD LIMIT ASSIGNMENT 审中-公开
    基于活动的信用卡限额分配

    公开(公告)号：US20090299886A1

    公开(公告)日：2009-12-03

    申请号：US12128750

    申请日：2008-05-29

    申请人： Kurt D. Newman ,  Timothy J. Bendel ,  Debashis Ghosh ,  David Joa

    发明人： Kurt D. Newman ,  Timothy J. Bendel ,  Debashis Ghosh ,  David Joa

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/24 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q40/00 ,  G06Q40/02

    摘要： Systems and methods for reducing the exposure of a financial institution to lending risk. The systems and methods may involve determining a basic credit limit for a customer's new credit card account based at least in part on attributes associated with the customer; assigning an adjusted credit limit to the account; and promising to decide whether to replace the adjusted credit limit with a higher credit limit.

    摘要翻译： 减少金融机构对借贷风险敞口的制度和方法。 系统和方法可以包括至少部分地基于与客户相关联的属性来确定客户新信用卡账户的基本信用限额; 为帐户分配经调整的信用额度; 并承诺决定是否以更高的信用额度取代调整后的信贷额度。

    Adjusted Net Income
    100.
    发明申请
    Adjusted Net Income 审中-公开
    调整后的净收入

    公开(公告)号：US20090063311A1

    公开(公告)日：2009-03-05

    申请号：US11848963

    申请日：2007-08-31

    申请人： Thayer S. Allison, JR. ,  Sudeshna Banerjee ,  Timothy J. Bendel ,  Debashis Ghosh ,  David Joa ,  Kurt Newman

    发明人： Thayer S. Allison, JR. ,  Sudeshna Banerjee ,  Timothy J. Bendel ,  Debashis Ghosh ,  David Joa ,  Kurt Newman

    IPC分类号： G06Q40/00 ,  G06F17/40

    CPC分类号： G06Q40/02 ,  G06Q40/12

    摘要： Techniques for enhanced assessment of the business value of an account and/or customer are disclosed. An adjusted net income value outputted by a system may be used by a financial institution, such as a bank, mortgage broker, lender, or credit card company, to better assess the business value and/or profitability of an account. For accounts that are delinquent at the end of an observation period, the adjusted net income value is equal to the net income minus the percentage of the past due balance that is predicted to get charged off. The percentage of the past due balance that is predicted to get charged off relates to the number of days the account has been delinquent.

    摘要翻译： 披露了增强对账户和/或客户业务价值评估的技术。 系统输出的调整后的净收入值可以由金融机构（如银行，抵押贷款经纪人，贷方或信用卡公司）使用，以更好地评估账户的业务价值和/或盈利能力。 对于在观察期结束时拖欠的账户，调整后的净收入等于净收入减去预计被扣除的过去期末余额的百分比。 预计被扣除的过去应付余额的百分比与帐户被拖欠的天数相关。