公开(公告)号：US20130041901A1

公开(公告)日：2013-02-14

申请号：US13209131

申请日：2011-08-12

申请人： Andrey N. Nikankin

发明人： Andrey N. Nikankin

IPC分类号： G06F17/30

CPC分类号： G06F16/958

摘要： Disclosed are electronic systems and techniques for filtering data comprising content requested from a variety of sources, and tracking which of the sources supplied the data and a category that classifies the content. The filtering may comprise implementing a variety of filtering techniques to acquire the content. In this regard, the content can be stored and grouped with other content related to the content in data storage, while discarding a subset of the data not containing the content.

摘要翻译： 公开了用于过滤数据的电子系统和技术，包括从各种来源请求的内容，以及跟踪哪些源提供数据和分类内容的类别。 过滤可以包括实现各种过滤技术来获取内容。 在这方面，可以在丢弃不包含内容的数据的子集的同时，将内容存储和分组与与数据存储中的内容相关的其他内容。

公开(公告)号：US08925056B2

公开(公告)日：2014-12-30

申请号：US13846609

申请日：2013-03-18

申请人： Andrey N. Nikankin

发明人： Andrey N. Nikankin

IPC分类号： G06F21/00 ,  H04L29/06

CPC分类号： H04L63/0884

摘要： An authentication component to authenticate users can generate a unique identification for a user based on device characteristics, operating characteristics, and the like. The authentication component can provide authentication of a user to applications. Applications can provide a user with personalized content based on the authentication.

摘要翻译： 用于认证用户的认证组件可以基于设备特性，操作特性等为用户生成唯一的标识。 认证组件可以向应用程序提供用户的认证。 应用程序可以基于身份验证向用户提供个性化内容。

公开(公告)号：US20130132358A1

公开(公告)日：2013-05-23

申请号：US13299877

申请日：2011-11-18

申请人： Andrey N. Nikankin ,  Rodion Shishkov

发明人： Andrey N. Nikankin ,  Rodion Shishkov

IPC分类号： G06F17/30

CPC分类号： G06Q30/0609 ,  G06Q40/02

摘要： Disclosed are electronic systems and techniques for implementing consumer information aggregation and profile generation. An aggregator component can obtain data relating to a user from virtually any open, publicly available, or private sources of information. A profile of candidate characteristics associated with the user is generated, or updated, based on the information obtained, and the eligibility of the user for one or more offers, such as a loan, can be determined based at least in part on the profile of candidate characteristics. In this regard, banks and retailers can automate an offer decision-making process using information about the applicant that is readily available.

摘要翻译： 公开了用于实现消费者信息聚合和简档生成的电子系统和技术。 聚合器组件可以从几乎任何公开的，公开的或专有的信息源获得与用户相关的数据。 基于获得的信息生成或更新与用户相关联的候选特征的简档，并且可以至少部分地基于所获得的信息的简档来确定用户对一个或多个提供（例如贷款）的资格， 候选人特征。 在这方面，银行和零售商可以使用可随时获得的有关申请人的信息自动化提供决策过程。

公开(公告)号：US20130268953A1

公开(公告)日：2013-10-10

申请号：US13442565

申请日：2012-04-09

申请人： Andrey N. Nikankin

发明人： Andrey N. Nikankin

IPC分类号： H04N21/65

CPC分类号： H04N21/251 ,  H04N21/258

摘要： Systems, methods, and apparatus for dynamically providing an incentive to a customer of a service based on a detected unexpected behavior of the customer are presented herein. A model component can create a model associated with a service based on information associated with a use of the service. Further, a prediction component can predict, based on the model, a behavior of a user associated with the use of the service. Furthermore, a scoring component can identify a deviation from the behavior and determine an action associated with the user based on the deviation from the behavior. In an aspect, the action can be communication of an incentive directed to a network-enabled device.

摘要翻译： 本文中给出了基于检测到的客户意外行为动态地向服务客户提供激励的系统，方法和装置。 模型组件可以基于与服务的使用相关联的信息来创建与服务相关联的模型。 此外，预测组件可以基于模型来预测与服务的使用相关联的用户的行为。 此外，评分组件可以识别与行为的偏差，并且基于与行为的偏离来确定与用户相关联的动作。 在一方面，该动作可以是针对被启用网络的设备的激励的通信。

公开(公告)号：US20130268394A1

公开(公告)日：2013-10-10

申请号：US13443542

申请日：2012-04-10

申请人： Andrey N. Nikankin

发明人： Andrey N. Nikankin

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0631

摘要： Disclosed are electronic systems and techniques for implementing dynamic recommendations based on psychological types. A dynamic association component can associate recommendation features employed in a network site, such as a web portal, with respective psychological types based on a set of usage data for the web portal and/or the recommendation features. A dynamic feature provisioning component can determine a psychological type corresponding to a user, and provide recommendation features associated with the psychological type to the user during interaction with the web portal.

摘要翻译： 公开了基于心理类型实现动态建议的电子系统和技术。 动态关联组件可以基于用于门户网站和/或推荐特征的一组使用数据，将网络站点（例如，门户网站）中采用的推荐特征与相应的心理类型相关联。 动态特征提供组件可以确定对应于用户的心理类型，并且在与门户网站交互期间向用户提供与心理类型相关联的推荐特征。

公开(公告)号：US20130138553A1

公开(公告)日：2013-05-30

申请号：US13305346

申请日：2011-11-28

申请人： Andrey N. Nikankin ,  Rodion Shishkov

发明人： Andrey N. Nikankin ,  Rodion Shishkov

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： Disclosed are electronic systems and techniques for implementing credit scoring based on information aggregation. An aggregator component can obtain data relating to a user from virtually any open, publicly available, or private sources of information, and generate, or update, a profile of candidate characteristics based on the information obtained. A scoring calculation component can inspect the profile of candidate characteristics, determine a set of factors included in the profile of candidate characteristics that are relevant for a loan or credit eligibility determination, and rate the factors. A credit score for the user can be generated based on the ratings of the factors, and the eligibility of the user for one or more loans can be determined as a function of the credit score. In this regard, banks and retailers can automate credit scoring and loan eligibility determination using information about the applicant that is readily available.

摘要翻译： 披露了基于信息聚合实现信用评分的电子系统和技术。 聚合器组件可以从几乎任何开放的，公开的或专有的信息源获得与用户相关的数据，并且基于获得的信息生成或更新候选特征的简档。 评分计算部分可以检查候选人特征的概况，确定与贷款或信用资格确定相关的候选特征简档中包括的一系列因素，并对因素进行评估。 可以基于因素的评级来生成用户的信用分数，并且可以根据信用评分确定用户对一个或多个贷款的资格。 在这方面，银行和零售商可以使用易于获得的申请人信息自动化信用评分和贷款资格确定。