公开(公告)号：US20150213521A1

公开(公告)日：2015-07-30

申请号：US14610018

申请日：2015-01-30

Applicant: The Toronto-Dominion Bank

Inventor： Prabaharan Sivashanmugam ,  Michael D. Cummins ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Talvis Pierre Love

IPC: G06Q30/02

CPC classification number: G06Q30/0282

Abstract: Online reviews present a wealth of information for consumers to consider when making purchase decisions. Consumers however, can be disadvantaged by an inability to determine the usefulness of reviews, the wealth of information thus providing marginal utility. Where consumers can establish an affinity or trust with a reviewer, the usefulness of a review can be vetted against the perspective of the consumer, assisting consumers in making purchase decisions with greater confidence and reliability. Social media further supports consumers by providing a convenient pool of reviewers with whom a consumer may already have pre-existing relationships or familiarity with, bolstering the ability of the consumer to establish an affinity or trust with the reviewer. An adaptive influence process provides a method for consumers to adapt such a collection of reviews, and tailor them to the consumer's own perspective to assist in making purchase decisions with greater confidence.

Abstract translation: 在线评论提供了大量信息，供消费者在做出购买决定时考虑。 然而，消费者可能由于无法确定审查的有用性而处于不利地位，所以信息的丰富因此提供了边际效用。 在消费者与审查者建立亲和力或信任度的情况下，审查的有用性可以从消费者的角度审视，协助消费者以更大的信心和可靠性做出购买决定。 社会媒体通过提供一个方便的审查者池来支持消费者，消费者可能已经与消费者已经存在先前存在的关系或熟悉，加强了消费者与审阅者建立亲和力或信任的能力。 适应性影响过程为消费者提供了一种适应这样的评论集的方法，并将其定制为消费者自己的观点，以更有信心地协助做出购买决定。

公开(公告)号：US20140337171A1

公开(公告)日：2014-11-13

申请号：US14273500

申请日：2014-05-08

Applicant: The Toronto-Dominion Bank

Inventor： Prabaharan SIVASHANMUGAM ,  Lauren Van Heerden ,  Michael D. Cummins ,  Orin Del Vecchio ,  Gunalan Nadarajah

IPC: G06Q30/06 ,  G06Q20/40

CPC classification number: G06Q30/0609 ,  G06Q20/4016

Abstract: A system, method and computer program product that is capable of determining respective merchant behaviour scores and consumer behaviour scores. Merchant locations (e.g. point of purchase or other geographic or virtual locations), in association with which merchants and consumers conduct transactions, can be used to enhance behaviour scoring capabilities. A merchant location may be attributed a merchant behaviour score such as one determined in accordance with consumer behaviour/financial/risk metrics of consumers who conduct transactions with the location. A specific consumer may be attributed a consumer behaviour score determined in accordance with the respective merchant behaviour scores of locations with which the specific consumer conducts transactions.

Abstract translation: 能够确定各商家行为得分和消费者行为得分的系统，方法和计算机程序产品。 与商家和消费者进行交易相关联的商家位置（例如购买点或其他地理位置或虚拟位置）可用于增强行为评分能力。 商户位置可以归因于商人行为得分，例如根据与该位置进行交易的消费者的消费者行为/金融/风险度量确定的。 特定消费者可以归因于根据特定消费者进行交易的位置的相应商家行为得分确定的消费者行为得分。