公开(公告)号：US20130325716A1

公开(公告)日：2013-12-05

申请号：US13486612

申请日：2012-06-01

申请人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  David Neil Joffe

发明人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  David Neil Joffe

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q20/00

摘要： Systems and methods for increasing transaction depth and account breadth are provided herein. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising a number of transactions occurring during a first period of time and a second trigger group comprising a number of transactions occurring during a second period of time based on the account data are identified based on the account data; the first trigger group and the second trigger group are compared; and an increase in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group.

摘要翻译： 本文提供了增加交易深度和广度的系统和方法。 在系统和方法中，接收与一个或多个帐户相关联的帐户数据，并将帐户数据存储在存储装置中; 包括在第一时间段期间发生的多个交易的第一触发器组，以及基于所述帐户数据识别包括在第二时间段内基于所述帐户数据发生的多个交易的第二触发器组; 比较第一触发组和第二触发组; 并且响应于第一触发组和第二触发组的比较来确定对于一个或多个账户中的每个帐户的帐户活动的增加。

公开(公告)号：US20130325713A1

公开(公告)日：2013-12-05

申请号：US13486605

申请日：2012-06-01

申请人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  Jade Michelle Le Vo-Dinh ,  David Neil Joffe

发明人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  Jade Michelle Le Vo-Dinh ,  David Neil Joffe

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q30/02

摘要： Systems and methods for retaining users in their existing relationship with a financial institution are provided herein. Based on account data, comparisons of past and current transactional activity are made and a change in account usage is determined. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising one or more transactions occurring during a first period of time and a second trigger group comprising one or more transactions occurring during a second period of time are identified based on the account data; the first trigger group and the second trigger group are compared; and a decrease in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group.

摘要翻译： 本文提供了保留用户与金融机构现有关系的系统和方法。 根据账户数据，对过去和当前的交易活动进行比较，并确定账户使用情况的变化。 在系统和方法中，接收与一个或多个帐户相关联的帐户数据，并将帐户数据存储在存储装置中; 包括在第一时间段内发生的一个或多个事务的第一触发器组和包括在第二时间段期间发生的一个或多个事务的第二触发器组; 比较第一触发组和第二触发组; 并且响应于第一触发组和第二触发组的比较来确定对于一个或多个账户中的每个账户的账户活动的减少。

公开(公告)号：US20130325698A1

公开(公告)日：2013-12-05

申请号：US13486631

申请日：2012-06-01

申请人： Yanghong Shao ,  Bibhudatta Jena ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Srihari Rao Gatpa ,  Naveen G. Yeri ,  Jade Michelle Le Vo-Dinh ,  Kunal Makin ,  David Neil Joffe

发明人： Yanghong Shao ,  Bibhudatta Jena ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Srihari Rao Gatpa ,  Naveen G. Yeri ,  Jade Michelle Le Vo-Dinh ,  Kunal Makin ,  David Neil Joffe

IPC分类号： G06Q40/02 ,  G06Q20/10

CPC分类号： G06Q40/02

摘要： Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event.

摘要翻译： 本文提供了用于生成和维护帐户相关触发器的系统和方法。 系统和方法可用于减轻风险。 可以执行帐户触发以确定指示风险事件的帐户活动。 一旦确定了风险事件，金融机构可能会确定一个适当的行动，以减轻风险事件引发的可预见的风险。

公开(公告)号：US20130325674A1

公开(公告)日：2013-12-05

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： G06Q40/02

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。

公开(公告)号：US20130325946A1

公开(公告)日：2013-12-05

申请号：US13486816

申请日：2012-06-01

申请人： Thayer S. Allison, JR. ,  Timothy J. Bendel ,  David Joa ,  Yanghong Shao ,  David Neil Joffe ,  Naveen G. Yeri

发明人： Thayer S. Allison, JR. ,  Timothy J. Bendel ,  David Joa ,  Yanghong Shao ,  David Neil Joffe ,  Naveen G. Yeri

IPC分类号： G06F15/16

CPC分类号： G06Q50/01 ,  G06Q30/0204

摘要： Systems, methods and computer program products are provided for optimizing social networks. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Pluralities of networking opportunities are identified based on the account data. Furthermore, based on the account data triggers may be detected indicating a user's interest in one or more social networking opportunities. The system then offers the user, based at least partially on the detected trigger, the one or more social networking opportunities.

摘要翻译： 提供系统，方法和计算机程序产品来优化社交网络。 在系统和方法中，接收与用户帐户相关联的帐户数据，并将帐户数据存储在存储装置中。 基于帐户数据识别多个网络机会。 此外，基于帐户数据，可以检测到触发器，指示用户对一个或多个社交网络机会的兴趣。 该系统至少部分地基于检测到的触发器向用户提供一个或多个社交网络机会。

公开(公告)号：US20130325699A1

公开(公告)日：2013-12-05

申请号：US13486739

申请日：2012-06-01

申请人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Srihari Rao Gatpa ,  Jade Michelle Le Vo-Dinh ,  David Neil Joffe

发明人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Srihari Rao Gatpa ,  Jade Michelle Le Vo-Dinh ,  David Neil Joffe

IPC分类号： G06Q40/02 ,  G06Q20/10

CPC分类号： G06Q40/10

摘要： Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial institution. Triggers may be executed to monitor financial account ratios. Offers may be triggered based on the account ratios or changes in the account ratios.

摘要翻译： 本文提供了用于生成和维护帐户相关触发器的系统和方法。 系统和方法可以用于监视金融机构的一个或多个账户。 可以执行触发器来监控财务账户比率。 可能会根据帐户比例或帐户比例的变化触发优惠。

公开(公告)号：US20130325604A1

公开(公告)日：2013-12-05

申请号：US13486191

申请日：2012-06-01

申请人： NAVEEN G. YERI ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Bibhudatta Jena ,  Srihari Rao Gatpa ,  Li Wei ,  David Neil Joffe

发明人： NAVEEN G. YERI ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Bibhudatta Jena ,  Srihari Rao Gatpa ,  Li Wei ,  David Neil Joffe

IPC分类号： G06Q30/02 ,  G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q30/0215

摘要： Systems and methods for providing offers associated with one or more accounts of a financial institution is provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity for at least one of inbound transactions or outbound transactions based on the account data; and identifies triggers comprising opportunities for providing offers based on the account activity. The system then provides an offer to the user based on the trigger. In some embodiments, the trigger is based on inbound transaction but in other embodiments the trigger is based on outbound transactions. The offer can be specifically related to another party associated with the trigger, e.g., the recipient of a payment, or the offer can be based on the time, amount, or location of the trigger. A computer program product is also provided.

摘要翻译： 本文提供了用于提供与金融机构的一个或多个账户相关联的提供的系统和方法。 系统接收与一个或多个帐户相关联的帐户数据; 将帐户数据存储在存储设备中; 基于帐户数据识别至少一个入站交易或出站交易的帐户活动; 并识别包括基于帐户活动提供优惠的机会的触发器。 然后，系统基于触发器向用户提供报价。 在一些实施例中，触发器基于入站事务，但在其他实施例中，触发器基于出站事务。 报价可以与与触发相关联的另一方（例如，支付的收件人）具体相关，或者报价可以基于触发的时间，数量或位置。 还提供了计算机程序产品。

公开(公告)号：US20130325599A1

公开(公告)日：2013-12-05

申请号：US13486617

申请日：2012-06-01

申请人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  Li Wei ,  David Neil Joffe

发明人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  Li Wei ,  David Neil Joffe

IPC分类号： G06Q30/02

CPC分类号： G06Q40/02 ,  G06Q30/02 ,  G06Q40/06

摘要： Systems and methods for reviewing accounts to enhance user relationships and prevent account loss are provided herein. In the systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions.

摘要翻译： 本文提供了审查帐户以增强用户关系并防止帐户丢失的系统和方法。 在系统和方法中，接收与第一金融机构的一个或多个帐户相关联的账户数据，并将账户数据存储在存储装置中; 基于账户数据识别触发器，其中触发器包括一个或多个交易; 基于一个或多个交易来确定与第二金融机构相关联的一个或多个账户的外部账户活动; 并且基于所识别的外部活动，向与第一金融机构的一个或多个帐户相关联的用户提供产品推荐。 系统和方法进一步提供基于一个或多个交易来确定与第一金融机构相关联的一个或多个账户的内部账户使用的转移。

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。

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。