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公开(公告)号：US08504469B2
公开(公告)日：2013-08-06
申请号：US12705770
申请日：2010-02-15
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/06 , G06Q20/00 , G06Q20/4016 , G06Q30/0185 , G06Q40/00 , G06Q40/12
摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.
摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。
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公开(公告)号：US20110202436A1
公开(公告)日：2011-08-18
申请号：US12705770
申请日：2010-02-15
CPC分类号： G06Q40/02 , G06Q10/06 , G06Q20/00 , G06Q20/4016 , G06Q30/0185 , G06Q40/00 , G06Q40/12
摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.
摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。
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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
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。
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公开(公告)号：US20110082718A1
公开(公告)日：2011-04-07
申请号：US12574418
申请日：2009-10-06
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。
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公开(公告)号：US08645245B2
公开(公告)日：2014-02-04
申请号：US12847349
申请日：2010-07-30
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译： 提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中提取资金以抵消逾期债务的抵消行动中收集的金额。 在操作中，本发明的实施例利用存款帐户的交易历史来检测帐户的存款模式，并且基于检测到的模式来预测下一笔大额存款到可附加账户的日期。 然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。
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公开(公告)号：US07792727B2
公开(公告)日：2010-09-07
申请号：US12255000
申请日：2008-10-21
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/10
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译： 提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中获得资金以抵消违约债务的偏移行动中收集的金额。 在操作中，本发明的实施例利用存款帐户的交易历史来检测账户的存款模式，并且基于检测到的模式，将下一笔大额存款的日期预测到可装修账户。 然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。
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27.发明申请APPARATUS AND METHODS FOR VERIFYING A CREDIT APPLICANT'S INCOME THAT ENHANCE A CREDIT APPLICANT'S EXPERIENCE 有权信用证申请人收入增加信用申请人经验的手段和方法公开(公告)号：US20100106638A1
公开(公告)日：2010-04-29
申请号：US12256639
申请日：2008-10-23
申请人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
发明人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q30/02 , G06Q40/02
摘要： Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.
摘要翻译： 用于处理贷款申请的设备和方法。 该装置和方法可以涉及访问包括多个交易的金融机构客户账户; 识别属于预定交易类别的交易; 并总结交易。 摘要信息可以作为收入和费用流程报告的一部分，该报告至少部分地表征账户或申请人的特征。 金融机构代表可以查询数据库的摘要信息，并可选地根据贷款申请和汇总信息启动承销流程。
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公开(公告)号：US20100100476A1
公开(公告)日：2010-04-22
申请号：US12255000
申请日：2008-10-21
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译： 提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中获得资金以抵消违约债务的偏移行动中收集的金额。 在操作中，本发明的实施例利用存款帐户的交易历史来检测账户的存款模式，并且基于检测到的模式，将下一笔大额存款的日期预测到可装修账户。 然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。
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29.发明授权Apparatus and methods for verifying a credit applicant's income that enhance a credit applicant's experience 有权用于核实信用申请人收入的提高信用申请人经验的方法和装置公开(公告)号：US08645264B2
公开(公告)日：2014-02-04
申请号：US12256639
申请日：2008-10-23
申请人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
发明人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
CPC分类号： G06Q40/025 , G06Q30/02 , G06Q40/02
摘要： Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.
摘要翻译： 用于处理贷款申请的设备和方法。 该装置和方法可以涉及访问包括多个交易的金融机构客户账户; 识别属于预定交易类别的交易; 并总结交易。 摘要信息可以作为收入和费用流程报告的一部分，该报告至少部分地表征账户或申请人的特征。 金融机构代表可以查询数据库的摘要信息，并可选地根据贷款申请和汇总信息启动承销流程。
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公开(公告)号：US08751342B2
公开(公告)日：2014-06-10
申请号：US12652554
申请日：2010-01-05
申请人： Mark Krein , Debashis Ghosh , Thayer Allison , Kurt Newman , Yanghong Shao , Sudeshna Banerjee , David Joa
发明人： Mark Krein , Debashis Ghosh , Thayer Allison , Kurt Newman , Yanghong Shao , Sudeshna Banerjee , David Joa
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/0204 , G06Q30/0259 , G06Q40/00
摘要： Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.
摘要翻译： 本公开的方面涉及被配置为识别潜在客户的计算机，其可以包括处理器和存储计算机可执行指令的存储器，所述计算机可执行指令在执行时使得计算机执行用于识别第一银行的潜在客户的方法，通过电子地接收关于 第一家银行，电子地接收有关第二家银行的数据。 此外，基于电子接收的数据，该方法还可以包括识别第一银行的位置，识别第二银行的位置，将第一银行的位置与第二银行的位置进行比较，确定第二银行的位置 在所述第一银行的至少一个位置的预定距离内确定所述第二银行的每个位置中的一组存款帐户中的资金量，以及确定所述第二银行的每个位置中的资金量是否大于 预定量。
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