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37 条记录 (耗时 0.055 秒)

    Identifying potential customers using payment information
    33.
    发明授权
    Identifying potential customers using payment information 有权
    使用付款信息识别潜在客户

    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。

    CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT
    35.
    发明申请
    CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT 审中-公开
    客户定义的账户管理规则，用于改进链接的财务机构账户管理

    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。

    Detecting credit misuse
    36.
    发明授权
    Detecting credit misuse 有权
    检测信用滥用

    公开(公告)号：US08504469B2

    公开(公告)日：2013-08-06

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    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。

    DETECTING CREDIT MISUSE
    37.
    发明申请
    DETECTING CREDIT MISUSE 有权
    检测信用错误

    公开(公告)号：US20110202436A1

    公开(公告)日：2011-08-18

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    IPC分类号： G06Q10/00 ,  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。