公开(公告)号：US20120284059A1

公开(公告)日：2012-11-08

申请号：US13463492

申请日：2012-05-03

申请人： Frank M. Zizzamia ,  Cheng-Sheng Peter Wu ,  Raymond E. Stukel ,  Hrisanthi Adamopoulos ,  John R. Lucker

发明人： Frank M. Zizzamia ,  Cheng-Sheng Peter Wu ,  Raymond E. Stukel ,  Hrisanthi Adamopoulos ,  John R. Lucker

IPC分类号： G06Q40/08

CPC分类号： G06Q40/08 ,  G06F17/18 ,  G06Q50/22 ,  G06Q50/24

摘要： A method and system for determining the importance of each of the variables that contribute to the overall score of a model for predicting the profitability of an insurance policy. For each variable in the model, an importance is calculated based on the calculated slope and deviance of the predictive variable. Since the score is developed using complex mathematical calculations combining large numbers of parameters with predictive variables, it is often difficult to interpret from the mathematical formula for example, why some policyholders receive low scores while other receive high scores. Such clear communication and interpretation of insurance profitability scores is critical if they are used by the various interested insurance parties including policyholders, agents, underwriters, and regulators.

摘要翻译： 一种用于确定有助于预测保险单的盈利能力的模型总分的每个变量的重要性的方法和系统。 对于模型中的每个变量，根据计算的预测变量的斜率和偏差计算重要性。 由于使用将大量参数与预测变量相结合的复杂数学计算开发得分，所以通常难以从数学公式中解释，例如，为什么一些保单持有者在其他收入高分时获得低分。 保险利润分数的明确沟通和解释如果被各方感兴趣的保险方，包括保单持有人，代理人，承销商和监管机构所使用，则至关重要。

公开(公告)号：US08655687B2

公开(公告)日：2014-02-18

申请号：US13397508

申请日：2012-02-15

申请人： Frank M. Zizzamia ,  Cheng-Sheng Peter Wu ,  Dominic A. Tocci ,  Matthew R. Carrier ,  John R. Lucker

发明人： Frank M. Zizzamia ,  Cheng-Sheng Peter Wu ,  Dominic A. Tocci ,  Matthew R. Carrier ,  John R. Lucker

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q10/0635 ,  G06Q40/02 ,  G06Q40/025

摘要： A quantitative system and method that employs data sources external to an insurance company to generate a statistical model that may be used to predict commercial insurance profitability. The system and method are able to predict individual commercial insurance policyholder profitability on a prospective basis regardless of the internal data and business practices of a particular insurance company.

摘要翻译： 使用保险公司外部的数据源来生成可用于预测商业保险盈利能力的统计模型的定量系统和方法。 无论一家保险公司的内部数据和业务做法如何，该系统和方法都能够预测个人商业保险投资者的盈利能力。

公开(公告)号：US08200511B2

公开(公告)日：2012-06-12

申请号：US09996065

申请日：2001-11-28

申请人： Frank M. Zizzamia ,  Cheng-Sheng Peter Wu ,  Raymond E. Stukel ,  Hrisanthi Adamopoulos ,  John R. Lucker

发明人： Frank M. Zizzamia ,  Cheng-Sheng Peter Wu ,  Raymond E. Stukel ,  Hrisanthi Adamopoulos ,  John R. Lucker

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06F17/18 ,  G06F19/00 ,  G06Q50/22 ,  G06Q50/24

摘要： A method and system for determining the importance of each of the variables that contribute to the overall score of a model for predicting the profitability of an insurance policy. For each variable in the model, an importance is calculated based on the calculated slope and deviance of the predictive variable. Since the score is developed using complex mathematical calculations combining large numbers of parameters with predictive variables, it is often difficult to interpret from the mathematical formula for example, why some policyholders receive low scores while other receive high scores. Such clear communication and interpretation of insurance profitability scores is critical if they are used by the various interested insurance parties including policyholders, agents, underwriters, and regulators.

摘要翻译： 一种用于确定有助于预测保险单的盈利能力的模型总分的每个变量的重要性的方法和系统。 对于模型中的每个变量，根据计算的预测变量的斜率和偏差计算重要性。 由于使用将大量参数与预测变量相结合的复杂数学计算开发得分，所以通常难以从数学公式中解释，例如，为什么一些保单持有者在其他收入高分时获得低分。 保险利润分数的明确沟通和解释如果被各方感兴趣的保险方，包括保单持有人，代理人，承销商和监管机构所使用，则至关重要。

公开(公告)号：US08311866B1

公开(公告)日：2012-11-13

申请号：US12283611

申请日：2008-09-12

申请人： Cathleen Benko ,  Anne Weisberg ,  Molly Anderson

发明人： Cathleen Benko ,  Anne Weisberg ,  Molly Anderson

IPC分类号： G06Q10/00

CPC分类号： G06Q10/105

摘要： A computer-implemented system and method for customizing a worker's career development within an organization is provided. Information concerning the worker is obtained by either or both soliciting input directly from the worker and retrieving the information from one or more databases containing such information. The information is applied to a set of stored rules for defining available options along predefined career dimensions reflective of career-life fit. Based on application of the information to the set of stored rules, a profile is automatically created. If the profile accurately reflects the career-life fit goals of the worker, it is used as the operative profile for the worker until it is appropriate or necessary to change it. If the worker desires to change his/her profile at any time, with the assistance and approval power of a counselor and/or other representative(s) of the organization, the profile is adjusted to reflect the career-life fit goals of the worker within programmed and other parameters that are acceptable to the organization.

摘要翻译： 提供了一种用于在组织内定制工人职业发展的计算机实现的系统和方法。 关于工人的信息是通过直接从工作者征求意见或从包含这些信息的一个或多个数据库中检索信息获得的。 该信息应用于一组存储的规则，用于根据预期的职业规模定义可用选项，反映职业生涯适合性。 基于将信息应用于存储规则集，将自动创建一个配置文件。 如果配置文件准确地反映了工作人员的职业生涯适合目标，则将其用作工作人员的操作简档，直到其适当或必要更改为止。 如果工作人员希望随时更改自己的个人资料，在辅导员和/或组织的其他代表的协助和批准的情况下，调整个人资料以反映工作人员的职业生涯适合目标 在组织可接受的编程和其他参数内。

公开(公告)号：US07590658B2

公开(公告)日：2009-09-15

申请号：US11226906

申请日：2005-09-13

申请人： Yogesh Bahl ,  Bruce Gavioli ,  Joseph Looby

发明人： Yogesh Bahl ,  Bruce Gavioli ,  Joseph Looby

IPC分类号： G06F17/30

CPC分类号： G06F17/30592 ,  Y10S707/99945 ,  Y10S707/99948

摘要： A system, software and method which enable the forensic examination of a database, particularly, a financial database such as a general ledger. The system, software and method leverage “n-” or multi-dimensional data interrogation analytics, particularly, online analytical processing (“OLAP”), to enable real-time data analysis of various dimensions of multi-dimensional data in the database and identification of records that are unusual and/or significant including from patterns or relationships among the data.

摘要翻译： 一种允许对数据库进行法医检查的系统，软件和方法，特别是诸如总帐之类的财务数据库。 系统，软件和方法利用“n-”或多维数据询问分析，特别是在线分析处理（“OLAP”），以实现数据库中多维数据的各种维度的实时数据分析和识别 的记录是不寻常的和/或重要的，包括数据之间的模式或关系。

公开(公告)号：US08813228B2

公开(公告)日：2014-08-19

申请号：US13538831

申请日：2012-06-29

申请人： Joseph C. Magee ,  Alison M. Andrews ,  Mark W. Nicholson ,  Jonathon Lance James ,  Henry C. Li ,  Christopher L. Stevenson ,  Joel Lathrop

发明人： Joseph C. Magee ,  Alison M. Andrews ,  Mark W. Nicholson ,  Jonathon Lance James ,  Henry C. Li ,  Christopher L. Stevenson ,  Joel Lathrop

IPC分类号： G06F21/00

CPC分类号： G06F21/577 ,  G06F21/552 ,  H04L63/1408 ,  H04L63/145 ,  H04L63/20

摘要： Threat intelligence is collected from a variety of different sources. The threat intelligence information is aggregated, normalized, filtered and scored to identify threats to an information network. Threats are categorized by type, maliciousness and confidence level. Threats are reported to network administrators in a plurality of threat feeds, including for example malicious domains, malicious IP addresses, malicious e-mail addresses, malicious URLs and malicious software files.

摘要翻译： 威胁情报是从各种不同的来源收集的。 威胁情报信息被聚合，归一化，过滤和评分，以识别信息网络的威胁。 威胁按类型，恶意和置信水平分类。 威胁报告给多个威胁供应的网络管理员，包括恶意域，恶意IP地址，恶意电子邮件地址，恶意URL和恶意软件文件。

公开(公告)号：US20140149150A1

公开(公告)日：2014-05-29

申请号：US14168581

申请日：2014-01-30

申请人： Deloitte Development LLC

发明人： Frank M. Zizzamia ,  Cheng-Sheng Peter Wu ,  Dominic A. Tocci ,  Matthew R. Carrier ,  John R. Lucker

IPC分类号： G06Q40/08

CPC分类号： G06Q40/08 ,  G06Q10/0635 ,  G06Q40/02 ,  G06Q40/025

摘要： A quantitative system and method that leverages data sources external to an insurance company to generate a statistical model that may be used to predict insurance coverage profitability. The system and method can predict profitability on a prospective basis regardless of the internal data and business practices of a particular insurance company.

摘要翻译： 利用保险公司外部的数据来生成可用于预测保险覆盖利润的统计模型的定量系统和方法。 该系统和方法可以在预期的基础上预测盈利能力，而不管特定保险公司的内部数据和业务实践。

公开(公告)号：US07908196B2

公开(公告)日：2011-03-15

申请号：US11329975

申请日：2006-01-10

申请人： John F. Bevacqua, Jr.

发明人： John F. Bevacqua, Jr.

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/02

摘要： A system and method and a financial income protection product are provided for enabling individuals who are approaching or are in retirement to ensure future sources of income with a reduced initial monetary outlay than conventional income protection products such as, for example, annuities. Income benefits are provided to the individuals only when they need it, i.e., either when market returns have not kept pace with expectations and/or when the individuals have lived beyond the point in time at which their expected wealth expires.

摘要翻译： 提供了一种系统和方法以及财务收入保护产品，用于帮助正在接近或正在退休的个人，以确保未来的收入来源，比起常规收入保护产品（例如年金）减少初始货币支出。 只有在需要时才能向个人提供所得利益，即当市场回报未达到预期的时候，和/或当个人超出预期财富到期时间的时候。

公开(公告)号：US12032726B1

公开(公告)日：2024-07-09

申请号：US17746635

申请日：2022-05-17

申请人： Deloitte Development LLC

发明人： Egemen Tas ,  Haibo Zhang

IPC分类号： G06F21/00 ,  G06F9/455 ,  G06F21/83

CPC分类号： G06F21/83 ,  G06F9/455

摘要： Systems and methods for obfuscating keyboard keys against interception are provided. In an example, a protected application is dynamically virtualized in user space, wherein the virtualization comprises an isolated keyboard path. Keystrokes are injected to the isolated keyboard path, wherein the injected keystrokes are associated with a respective timestamp, and user input keystrokes are obfuscated with the injected keystrokes and the obfuscated keystrokes are passed to a low level hook. The obfuscated keystrokes passed to the low level hook are separated according to tags associated with the obfuscated keystrokes to obtain the user input keystrokes. The user input keystrokes are transmitted to a target window of the protected application.

公开(公告)号：US09031877B1

公开(公告)日：2015-05-12

申请号：US13906870

申请日：2013-05-31

申请人： Deloitte Development LLC

发明人： Prakash Santhana ,  Jared Scott Miniman ,  Joseph Lee Johnson ,  Rangaswami Saravanan

IPC分类号： G06Q20/40

CPC分类号： G06Q20/4016 ,  G06Q20/322 ,  G06Q20/4014 ,  G06Q20/401

摘要： A mobile computing device is adapted to transmit to a scoring server URLs of websites browsed using the device. The scoring server can compare these URLs against a merchant URL obtained within a preselected time period from transaction data resulting from a transaction involving a payment product of the device user. A score can be calculated based on the similarity between each URL obtained from the device and the URL from the transaction data. The score represents the likelihood that a website browsed using the device and, as a result, the transaction, is fraudulent. The browsed URLs can also be scored against a database of known fraudulent websites. A notification concerning the legitimacy of the transaction based on the score can be generated and sent to the mobile device in real-time. On receiving the notification, the device can be used to either accept or decline the transaction in real-time.

摘要翻译： 移动计算设备适于向评分服务器发送使用该设备浏览的网站的URL。 评分服务器可以将这些URL与在预先选定的时间段内从涉及设备用户的支付产品的交易产生的交易数据中获得的商家URL进行比较。 可以基于从设备获得的每个URL与来自交易数据的URL之间的相似度来计算得分。 该分数表示网站使用该设备浏览的结果，因此交易是欺诈性的可能性。 浏览的网址也可以针对已知欺诈网站的数据库进行评分。 可以生成关于基于分数的交易的合法性的通知并且被实时地发送到移动设备。 收到通知后，该设备可以用于实时接受或拒绝交易。