公开(公告)号：US20070067206A1

公开(公告)日：2007-03-22

申请号：US11497527

申请日：2006-08-02

申请人： Kathleen Haggerty ,  Charles Lyon ,  Benedict Okoh ,  Robert Phelan ,  Jon Ruterman ,  Geraldine Turner ,  Chao Yuan

发明人： Kathleen Haggerty ,  Charles Lyon ,  Benedict Okoh ,  Robert Phelan ,  Jon Ruterman ,  Geraldine Turner ,  Chao Yuan

IPC分类号： G06F17/30

CPC分类号： G06Q40/08 ,  G06Q30/0201 ,  G06Q30/0204 ,  G06Q30/0205 ,  G06Q40/00

摘要： Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Marketing companies that sell lists compile those lists by searching one or more databases for names and/or businesses that match certain criteria. Those marketing companies can use the CSoW/CSoSW modeling approach to show predicted spend and/or revenues for each company on a list. This makes the list more valuable to list buyers.

摘要翻译： 消费钱包（“CSoSW”）的商业规模是包括现金在内的业务的总体业务支出，但不包括有条件的项目。 钱包的商业份额（“CSoW”）是由特定金融公司捕获的消费钱包的部分。 建模方法利用各种数据源来提供描述公司支出能力的输出。 销售列表的营销公司通过搜索符合特定标准的名称和/或企业的一个或多个数据库来编译这些列表。 这些营销公司可以使用CSoW / CSoSW建模方法来显示列表中每个公司的预计支出和/或收入。 这使列表更有价值，以列出买家。

公开(公告)号：US20060242050A1

公开(公告)日：2006-10-26

申请号：US11169778

申请日：2005-06-30

申请人： Kathleen Haggerty ,  Chao Yuan ,  Benedict Okoh ,  Peter Williamson

发明人： Kathleen Haggerty ,  Chao Yuan ,  Benedict Okoh ,  Peter Williamson

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00

摘要： Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. “Best customer” models can correlate SOW outputs with various customer groups for targeted marketing.

摘要翻译： 电子钱包的份额（“SOW”）是一种建模方法，利用各种数据源提供描述消费者支出能力，交易历史，包括余额转移和余额信息的产出。 这些输出可以附加到客户和潜在客户的数据配置文件中，并可用于支持整个生命周期中涉及探矿，新的申请人评估和客户管理的决策。 “最佳客户”模型可以将SOW产出与各种客户群体进行有针对性的营销相关联。

公开(公告)号：US20060242048A1

公开(公告)日：2006-10-26

申请号：US11169664

申请日：2005-06-30

申请人： Kathleen Haggerty ,  Chao Yuan ,  Benedict Okoh ,  Peter Williamson

发明人： Kathleen Haggerty ,  Chao Yuan ,  Benedict Okoh ,  Peter Williamson

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00

摘要： Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The outputs include the size of the consumer's spending wallet over a particular time period, the total number of the consumer's revolving cards, the consumer's revolving balance, the consumer's average pay-down percentage for revolving cards, total number of the consumer's transacting cards, the consumer's transacting balance, a number of balance transfers transacted by the consumer, the total amount of the consumer's balance transfers, the consumer's maximum revolving balance, the consumer's maximum transacting balance, the consumer's credit limit, size of the consumer's revolving spending, and the size of the consumer's transacting spending.

摘要翻译： 电子钱包的份额（“SOW”）是一种建模方法，利用各种数据源提供描述消费者支出能力，交易历史，包括余额转移和余额信息的产出。 这些输出可以附加到客户和潜在客户的数据配置文件中，并可用于支持整个生命周期中涉及探矿，新的申请人评估和客户管理的决策。 产出包括消费者在特定时间段内消费的钱包的大小，消费者旋转卡的总数，消费者的循环平衡，消费者的循环卡的平均减免百分比，消费者交易卡的总数， 消费者的交易余额，消费者交易的一些余额转移，消费者平衡转移的总量，消费者的最大循环余额，消费者的最大交易余额，消费者的信用限额，消费者的循环支出规模以及规模 的消费者的交易支出。

公开(公告)号：US08886574B2

公开(公告)日：2014-11-11

申请号：US13494234

申请日：2012-06-12

申请人： Chao Yuan ,  Amit Chakraborty ,  Leif Wiebking ,  Holger Hackstein

发明人： Chao Yuan ,  Amit Chakraborty ,  Leif Wiebking ,  Holger Hackstein

IPC分类号： G06F15/18 ,  G05B23/02 ,  G06N99/00

CPC分类号： G05B23/024 ,  G05B23/0205 ,  G05B23/0229 ,  G06N99/005

摘要： A generalized pattern recognition is used to identify faults in machine condition monitoring. Pattern clusters are identified in operating data. A classifier is trained using the pattern clusters in addition to annotated training data. The operating data is also used to cluster the signals in the operating data into signal clusters. Monitored data samples are then classified by evaluating confidence vectors that include substitutions of signals contained in the training data by signals in the same signal clusters as the signals contained in the training data.

摘要翻译： 广义模式识别用于识别机器状态监测中的故障。 模式集群在运行数据中被识别。 除了注释的训练数据之外，使用模式集群训练分类器。 操作数据也用于将操作数据中的信号聚类成信号簇。 然后通过评估置信向量来分类监视的数据样本，该置信矢量包括通过与包含在训练数据中的信号相同的信号簇中的信号来替换包含在训练数据中的信号。

公开(公告)号：US08560492B2

公开(公告)日：2013-10-15

申请号：US13123633

申请日：2009-10-02

申请人： Chao Yuan

发明人： Chao Yuan

IPC分类号： G06F15/00

CPC分类号： G05B23/0221

摘要： In a machine condition monitoring technique, a sensor reading is filtered using a switching Kalman filter. Kalman filters are created to describe separate modes of the signal, including a steady mode and a non-steady mode. For each new observation of the signal, a new mode is estimated based on the previous mode and state, and a new state is then estimated based on the new mode and the previous mode and state. In the steady mode, evolution covariances of both the observed signal and the rate of change of that signal are low. In the non-steady mode, the evolution covariance of the observed signal is set to a higher value, permitting the observed signal to vary widely, while the evolution covariance of the rate of change of the signal is maintained at a low level.

摘要翻译： 在机器状态监测技术中，使用切换卡尔曼滤波器对传感器读数进行滤波。 卡尔曼滤波器被创建以描述信号的单独模式，包括稳定模式和非稳态模式。 对于信号的每个新观察，基于先前的模式和状态来估计新模式，然后基于新模式和先前的模式和状态来估计新的状态。 在稳定模式下，观测信号和信号变化率的演化协方差都很低。 在非稳态模式中，观测信号的演化协方差被设定为较高的值，允许观测信号变化很大，而信号变化率的演化协方差维持在较低水平。

公开(公告)号：US08458083B2

公开(公告)日：2013-06-04

申请号：US12040767

申请日：2008-02-29

申请人： Tirthankar Choudhuri ,  Anjali Dewan ,  Amber Gupta ,  Kathleen Haggerty ,  Di Xu ,  Chao Yuan

发明人： Tirthankar Choudhuri ,  Anjali Dewan ,  Amber Gupta ,  Kathleen Haggerty ,  Di Xu ,  Chao Yuan

IPC分类号： G06Q40/00 ,  G06Q40/02 ,  G06Q40/06

CPC分类号： G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/06 ,  G06Q40/08

摘要： The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

公开(公告)号：US20120150724A1

公开(公告)日：2012-06-14

申请号：US13398466

申请日：2012-02-16

申请人： Tirthankar Choudhuri ,  Anjali Dewan ,  Amber Gupta ,  Kathleen Haggerty ,  Di Xu ,  Chao Yuan

发明人： Tirthankar Choudhuri ,  Anjali Dewan ,  Amber Gupta ,  Kathleen Haggerty ,  Di Xu ,  Chao Yuan

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q40/025 ,  G06Q40/08

摘要： The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

公开(公告)号：US08180703B2

公开(公告)日：2012-05-15

申请号：US13185248

申请日：2011-07-18

申请人： Kathleen Haggerty ,  Aashish Prakash ,  Prasanta Sahu ,  Di Xu ,  Chao Yuan

发明人： Kathleen Haggerty ,  Aashish Prakash ,  Prasanta Sahu ,  Di Xu ,  Chao Yuan

IPC分类号： G06Q40/00

CPC分类号： G06Q40/025 ,  G06Q30/0251 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/12

摘要： The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.

摘要翻译： 本公开通常涉及财务数据处理，特别涉及放贷人信用评分，贷款人分析，贷款人行为分析和建模。 更具体地说，它涉及基于从各自的消费者得到的数据的评级放债者。 此外，本公开涉及基于消费者预测的消费能力来评估消费者贷方。

公开(公告)号：US08121940B2

公开(公告)日：2012-02-21

申请号：US13185222

申请日：2011-07-18

申请人： Kathleen Haggerty ,  Aashish Prakash ,  Prasanta Sahu ,  Di Xu ,  Chao Yuan

发明人： Kathleen Haggerty ,  Aashish Prakash ,  Prasanta Sahu ,  Di Xu ,  Chao Yuan

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/12

摘要： The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.

公开(公告)号：US07882027B2

公开(公告)日：2011-02-01

申请号：US12058378

申请日：2008-03-28

申请人： Kathleen Haggerty ,  Aashish Prakash ,  Prasanta Sahu ,  Di Xu ,  Chao Yuan

发明人： Kathleen Haggerty ,  Aashish Prakash ,  Prasanta Sahu ,  Di Xu ,  Chao Yuan

IPC分类号： G06Q40/00

CPC分类号： G06Q40/025 ,  G06Q30/0251 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/12

摘要： The present invention generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.