公开(公告)号：US20110246385A1

公开(公告)日：2011-10-06

申请号：US13079201

申请日：2011-04-04

申请人： Kasilingam B. LAXMANAN ,  Kathleen L. DOOLEY-MALEY ,  Sherri R. EMERY ,  Gerald F. PARISE ,  Jomar C. UGARTE ,  Marcus PHILLIPS ,  Jun NI

发明人： Kasilingam B. LAXMANAN ,  Kathleen L. DOOLEY-MALEY ,  Sherri R. EMERY ,  Gerald F. PARISE ,  Jomar C. UGARTE ,  Marcus PHILLIPS ,  Jun NI

IPC分类号： G06Q10/00 ,  G06F17/10

CPC分类号： G06Q40/02 ,  G06Q10/067 ,  G06Q40/08

摘要： Methods, computer readable media, and apparatuses for automatically recalibrating risk models are presented. An identifier of a modeling function may be received. The modeling function may have at least one input variable and a first set of one or more coefficients. Updated performance data that includes at least one input value corresponding to the at least one input variable may be received from a data source. Then, a second set of one or more coefficients may be calculated for the modeling function based on the updated performance data. If it is subsequently determined that the modeling function more accurately models the updated performance data when the second set of one or more coefficients is used in computing a result of the modeling function, then the first set of one or more coefficients may be replaced with the second set of one or more coefficients to recalibrate the modeling function.

摘要翻译： 提出了用于自动重新校准风险模型的方法，计算机可读介质和装置。 可以接收建模功能的标识符。 建模功能可以具有至少一个输入变量和一个或多个系数的第一组。 可以从数据源接收包括与至少一个输入变量相对应的至少一个输入值的更新的性能数据。 然后，可以基于更新的性能数据为建模功能计算第二组一个或多个系数。 如果随后确定当在计算建模功能的结果中使用第二组一个或多个系数时，建模功能更准确地对更新的性能数据进行建模，则可以将第一组一个或多个系数替换为 第二组一个或多个系数来重新校准建模功能。

公开(公告)号：US20110246387A1

公开(公告)日：2011-10-06

申请号：US12751335

申请日：2010-03-31

申请人： Erik Stephen Ross ,  Kathleen L. Dooley-Maley

发明人： Erik Stephen Ross ,  Kathleen L. Dooley-Maley

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q40/06

摘要： Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a financial account, a consumer behavior modification tool. In some embodiments, the method includes: identifying a financial account that can be used by a consumer to make a purchase, recording in connection with the financial account a rule that additional liability in the form of a transaction fee or interest rate will be applied to the financial account when a purchase meeting predefined criteria is made using the financial account, wherein the predefined criteria is defined such that only a subset of the set of potential purchases that can be made using the financial account meet the predefined criteria, receiving an indication that a purchase has been made using the financial account, applying the rule to determine that the purchase that has been made meets the predefined criteria recorded in connection with the financial account, and investing the additional liability, in the form of a transaction fee or finance charge, into an investment vehicle.

摘要翻译： 本发明的实施例涉及用于实施与金融账户相结合的消费者行为修改工具的方法和装置。 在一些实施例中，该方法包括：识别可被消费者用于进行购买的金融账户，与金融账户相关联地记录以交易费用或利率形式的额外负债将适用于 所述财务帐户在使用所述金融账户进行购买会议预定义准则时，其中所述预定标准被定义为使得仅使用所述金融账户可以进行的潜在购买集合的子集满足所述预定标准， 使用该财务帐户进行购买，应用规则来确定已经完成的购买符合与该金融账户相关的预定义标准，并以交易费用或融资费用的形式投资额外的责任 ，成为投资工具。

公开(公告)号：US20100268629A1

公开(公告)日：2010-10-21

申请号：US12426403

申请日：2009-04-20

申请人： Erik S. Ross ,  Hans D. Schumacher ,  Dan Ariely ,  Sean M. Jones ,  Ray Garcia ,  Kathleen L. Dooley

发明人： Erik S. Ross ,  Hans D. Schumacher ,  Dan Ariely ,  Sean M. Jones ,  Ray Garcia ,  Kathleen L. Dooley

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q10/10

摘要： Apparatus and methods for supporting a budgeting process are provided. A method according to the invention may include operating an electronic information processing platform to receive an electronic confirmation of one of a purchase, a savings transaction, and an investment transaction. The method may further include performing a reevaluation of a future savings goal in response to the confirmation. The method may also include performing one of the following in response to the reevaluation: 1) presenting an alternative to the future savings goal and 2) auto-executing a process. The auto-executing may be based on pre-determined rules.

摘要翻译： 提供了用于支持预算过程的装置和方法。 根据本发明的方法可以包括操作电子信息处理平台以接收购买，储蓄交易和投资交易之一的电子确认。 该方法还可以包括响应于该确认来执行对未来储蓄目标的重新评估。 该方法还可以包括响应于重新评估来执行以下之一：1）提供对未来储蓄目标的替代方案，以及2）自动执行过程。 自动执行可以基于预先确定的规则。