公开(公告)号：US20110213690A1

公开(公告)日：2011-09-01

申请号：US12713618

申请日：2010-02-26

申请人： Debashis Ghosh ,  Sudeshna Banerjee ,  Mark V. Krein ,  Sreedevi Gummuluri ,  Thayer S. Allison, JR. ,  David Joa ,  Kurt D. Newman ,  Yanghong Shao ,  Timothy Bendel

发明人： Debashis Ghosh ,  Sudeshna Banerjee ,  Mark V. Krein ,  Sreedevi Gummuluri ,  Thayer S. Allison, JR. ,  David Joa ,  Kurt D. Newman ,  Yanghong Shao ,  Timothy Bendel

IPC分类号： G06Q99/00 ,  G06Q50/00 ,  G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q30/018 ,  G06Q40/04

摘要： Described herein are various apparatuses, methods, and computer program products for providing a carbon-footprint modeling environment that determines a consumer's carbon footprint based on the consumer's acquisition of goods and/or services, as indicated by the consumer's transaction data. For example, the carbon-footprint modeling environment collects the consumer's transaction data for a predefined period of time and identifies transaction data that indicates the consumer's acquisition of goods and/or services that, when produced and/or consumed, result in greenhouse gas emissions. According to some embodiments, the carbon-footprint modeling environment categorizes goods and/or services into, for example, the following categories: transportation, housing, food, waste, and miscellaneous. Based on information gleaned from the consumer's transaction data, the modeling environment may determine the quantities of goods and services the consumer consumed in each of the categories and then apply conversion ratios to convert the respective quantities of goods and/or services consumed into units of greenhouse gas emissions.

摘要翻译： 这里描述的是用于提供碳足迹建模环境的各种装置，方法和计算机程序产品，其根据消费者的交易数据所指示的消费者对货物和/或服务的获取来确定消费者的碳足迹。 例如，碳足迹建模环境在预定义的时间段内收集消费者的交易数据，并且识别指示消费者购买在生产和/或消费时产生温室气体排放的商品和/或服务的交易数据。 根据一些实施例，碳足迹建模环境将商品和/或服务分类为例如以下类别：运输，住房，食品，废物和杂项。 根据消费者交易数据收集的信息，建模环境可以确定消费者在每个类别中消费的商品和服务的数量，然后应用转化率将各种消费的商品和/或服务数量转换为温室单位 气体排放

公开(公告)号：US20100274687A1

公开(公告)日：2010-10-28

申请号：US12430612

申请日：2009-04-27

申请人： Debashis Ghosh ,  Kurt D. Newman ,  David Joa ,  Sudeshna Banerjee ,  Thayer Allison ,  Yanghong Shao ,  Mark V. Krein

发明人： Debashis Ghosh ,  Kurt D. Newman ,  David Joa ,  Sudeshna Banerjee ,  Thayer Allison ,  Yanghong Shao ,  Mark V. Krein

IPC分类号： G06Q40/00 ,  G06N5/02 ,  G06Q10/00

CPC分类号： G06Q20/227 ,  G06Q20/10 ,  G06Q40/02 ,  G06Q40/12

摘要： Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to an overdraft. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures.

摘要翻译： 提供系统，方法和计算机程序产品，用于与关联的金融机构帐户相关联的客户定义的金融机构帐户管理规则。 本文描述的方法，系统和计算机程序产品允许客户定义使客户的回报率最大化和/或最小化导致透支帐户的资金不足的可能性的规则。 因此，根据客户定义的规则，将资金自动转移到较高的回报率账户，从而最大限度地减少了非利息账户或低利息账户过剩余额的现金利用不足。 另外，管理主要支付账户（例如支票或账单账户）被处理，以确保资金足以支付客户的支出。

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：US20100169386A1

公开(公告)日：2010-07-01

申请号：US12344858

申请日：2008-12-29

申请人： Debashis Ghosh ,  Michael O'Hagan ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

发明人： Debashis Ghosh ,  Michael O'Hagan ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

IPC分类号： G06F17/30 ,  G06F7/00

CPC分类号： G07C9/00158

摘要： Systems and methods for making biometric data susceptible to use in locating individuals and tracking the location of individuals over time are provided. The system may involve the collection of initial biometric data, including iris scans, and corresponding identification information, the entry of such data into a database, and then the further collection of biometric data associated with locational information and entry of that data into a database correlating to the first database.

摘要翻译： 提供了用于使生物特征数据易于用于定位个体并跟踪个体随时间的位置的系统和方法。 该系统可以涉及初始生物特征数据的收集，包括虹膜扫描和相应的识别信息，将这些数据输入到数据库中，然后进一步收集与位置信息相关联的生物特征数据，并将该数据输入数据库相关联 到第一个数据库。

公开(公告)号：US20100114724A1

公开(公告)日：2010-05-06

申请号：US12261970

申请日：2008-10-30

申请人： Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

发明人： Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q20/40 ,  G06Q40/00

摘要： Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.

摘要翻译： 提供系统，方法和计算机程序产品，以便在使用信用卡或借记帐户进行交易（如购买交易）之后向消费者提供关于消费者信用卡或借记帐户余额的信息。 在一个实施例中，当授权购买交易时，发行银行将表示消费者信用或借记帐户余额的数字和/或关于余额的其他信息附加到授权代码，使得当供应商向消费者提供购买收据 在收据上具有授权码，余额信息将自动包含在带有授权码的收据上。 以这种方式，消费者可以通过了解每个信用卡或借记卡购买之后消费者的信用卡和/或借记帐户和/或其他余额信息的总余额来跟踪支出。

公开(公告)号：US08682785B2

公开(公告)日：2014-03-25

申请号：US12261970

申请日：2008-10-30

申请人： Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

发明人： Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

IPC分类号： G06F21/00 ,  G06Q20/10

CPC分类号： G06Q20/10 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q20/40 ,  G06Q40/00

摘要： Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.

摘要翻译： 提供系统，方法和计算机程序产品，以便在使用信用卡或借记帐户进行交易（如购买交易）之后向消费者提供关于消费者信用卡或借记帐户余额的信息。 在一个实施例中，当授权购买交易时，发行银行将表示消费者信用或借记帐户余额的数字和/或关于余额的其他信息附加到授权代码，使得当供应商向消费者提供购买收据 在收据上具有授权码，余额信息将自动包含在带有授权码的收据上。 以这种方式，消费者可以通过了解每个信用卡或借记卡购买之后消费者的信用卡和/或借记帐户和/或其他余额信息的总余额来跟踪支出。

公开(公告)号：US08200708B2

公开(公告)日：2012-06-12

申请号：US12344858

申请日：2008-12-29

申请人： Debashis Ghosh ,  Michael O'Hagan ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

发明人： Debashis Ghosh ,  Michael O'Hagan ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

IPC分类号： G06F7/00 ,  G06F17/30

CPC分类号： G07C9/00158

摘要： Systems and methods for making biometric data susceptible to use in locating individuals and tracking the location of individuals over time are provided. The system may involve the collection of initial biometric data, including iris scans, and corresponding identification information, the entry of such data into a database, and then the further collection of biometric data associated with locational information and entry of that data into a database correlating to the first database.

摘要翻译： 提供了用于使生物特征数据易于用于定位个人并跟踪个体随时间的位置的系统和方法。 该系统可以涉及初始生物特征数据的收集，包括虹膜扫描和相应的识别信息，将这些数据输入到数据库中，然后进一步收集与位置信息相关联的生物特征数据，并将该数据输入数据库相关联 到第一个数据库。

公开(公告)号：US08862512B2

公开(公告)日：2014-10-14

申请号：US12712862

申请日：2010-02-25

申请人： David Joa ,  Kerry Cantley ,  Kurt D. Newman ,  Debashis Ghosh

发明人： David Joa ,  Kerry Cantley ,  Kurt D. Newman ,  Debashis Ghosh

IPC分类号： G06Q40/00 ,  G06Q30/02 ,  G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q30/0258 ,  G06Q40/00 ,  G06Q40/12

摘要： Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile.

摘要翻译： 本发明的实施例包括开发金融交易数据简档的方法。 金融工具作为图像收到，金融工具包括交易数据。 交易数据从金融工具提取并上传到计算机。 组织事务数据，使事务数据分组。 存储类别以在金融交易简档中呈现给用户。

公开(公告)号：US08260645B2

公开(公告)日：2012-09-04

申请号：US12430475

申请日：2009-04-27

申请人： Sudeshna Banerjee ,  Shiba Madaan ,  Sreedevi Gummuluri ,  Debashis Ghosh ,  Thayer S. Allison, Jr. ,  Kurt D. Newman ,  David Joa

发明人： Sudeshna Banerjee ,  Shiba Madaan ,  Sreedevi Gummuluri ,  Debashis Ghosh ,  Thayer S. Allison, Jr. ,  Kurt D. Newman ,  David Joa

IPC分类号： G06Q10/00 ,  G06F17/00 ,  G06G7/00

CPC分类号： G06Q40/02 ,  G06Q20/20 ,  G06Q30/0283 ,  G06Q30/06 ,  G06Q40/12

摘要： Embodiments of the present invention relate apparatuses and methods that allow a financial institution to monitor, group, and store customer transaction data and determine market information therefrom according to recurrence patterns. For example, in one embodiment a financial institution uses a computerized apparatus to monitor recurrences in financial transactions across a plurality of financial accounts maintained by the financial institution for a plurality of different customers, where the computerized apparatus is configured to automatically track recurrences in transaction data.

摘要翻译： 本发明的实施例涉及允许金融机构根据再现模式监视，分组和存储客户交易数据并确定市场信息的装置和方法。 例如，在一个实施例中，金融机构使用计算机化设备来监视由金融机构为多个不同客户维护的多个金融账户的金融交易中的复发，其中计算机化设备被配置为自动跟踪交易数据中的复现 。

公开(公告)号：US20110238538A1

公开(公告)日：2011-09-29

申请号：US12730706

申请日：2010-03-24

申请人： Thayer S. Allison, JR. ,  Sudeshna Banerjee ,  Debashis Ghosh ,  Hemant A. Kagade ,  Mark V. Krein ,  David Joa ,  Kurt D. Newman

发明人： Thayer S. Allison, JR. ,  Sudeshna Banerjee ,  Debashis Ghosh ,  Hemant A. Kagade ,  Mark V. Krein ,  David Joa ,  Kurt D. Newman

IPC分类号： G06Q10/00 ,  G06F17/30

CPC分类号： G06Q30/0185 ,  G06F17/30489 ,  G06Q30/06 ,  G06Q40/12

摘要： Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction records are stored when a customer conducts a transaction with a selected one of a first company and a second company. A plurality of customer transaction records are determined from a first enterprise. The plurality of customer transaction records are aggregated from the first enterprise, wherein the plurality of customer transaction records comprises records associated with the first company and records associated with the second company. The aggregated customer transaction records are communicated in response to the request.

摘要翻译： 聚集客户记录以进行尽职调查以促进商业交易包括接收汇总客户交易记录的请求，其中当客户与第一公司和第二公司中的所选择的一个进行交易时，客户交易记录被存储。 从第一企业确定多个客户交易记录。 多个客户交易记录从第一企业聚合，其中多个客户交易记录包括与第一公司相关联的记录和与第二公司相关联的记录。 汇总的客户交易记录是根据请求进行通信的。