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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。
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公开(公告)号：US08559316B2
公开(公告)日：2013-10-15
申请号：US10605242
申请日：2003-09-17
申请人： Kurt Newman
发明人： Kurt Newman
CPC分类号： H04L43/50
摘要： A method to apply different treatments may include defining at least one treatment and selecting at least one channel. The method further may include applying the at least one treatment to the at least one selected channel.
摘要翻译： 应用不同治疗的方法可以包括定义至少一种治疗并选择至少一种通道。 该方法还可以包括将至少一个治疗应用于至少一个所选择的通道。
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公开(公告)号：US20110166977A1
公开(公告)日：2011-07-07
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
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。
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公开(公告)号：US20110166931A1
公开(公告)日：2011-07-07
申请号：US12652581
申请日：2010-01-05
申请人： David JOA , Debashis GHOSH , Kurt NEWMAN , Mark KREIN , Timothy J. BENDEL
发明人： David JOA , Debashis GHOSH , Kurt NEWMAN , Mark KREIN , Timothy J. BENDEL
CPC分类号： G06Q30/0255 , G06Q30/02
摘要： Aspects of this disclosure relate to a system for presenting an advertisement to a customer during a financial transaction which may include an advertisement optimization computer, an advertisement repository database which may store one or more advertisements and information regarding a particular audience to which the respective advertisements should be presented and a computer system configured to allow advertisements to be uploaded to the advertisement repository database. The advertisement may be presented at a point of transaction wherein the financial transaction is being conduced and the financial transaction data from the financial transaction being conducted at the point of transaction may be determined at the point of transaction and may be transmitted to the advertisement optimization computer. Further, the advertisement optimization computer may compare the financial transaction data with the information regarding a particular audience to which the respective advertisements should be presented and may select an advertisement to be presented during the financial transaction based on the comparison of the financial transaction data with the information regarding a particular audience to which the respective advertisements should be presented.
摘要翻译： 本公开的方面涉及在金融交易期间向客户呈现广告的系统，其可以包括广告优化计算机，可存储一个或多个广告的广告储存库数据库以及关于相应广告应当向哪个特定受众的信息 并且被配置为允许将广告上传到广告储存库数据库的计算机系统。 广告可以在事务处理中呈现，其中金融交易正在被引导，并且来自在交易点进行的金融交易的金融交易数据可以在交易点被确定，并且可以被发送到广告优化计算机 。 此外，广告优化计算机可以将金融交易数据与应当呈现相应广告的特定观众的信息进行比较，并且可以基于金融交易数据与财务交易数据的比较来选择在金融交易期间呈现的广告 关于应该呈现相应广告的特定观众的信息。
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5.发明申请公开(公告)号：US20110166911A1
公开(公告)日：2011-07-07
申请号：US12652628
申请日：2010-01-05
申请人： Kurt NEWMAN , Debashis GHOSH , Timothy BENDEL , David JOA
发明人： Kurt NEWMAN , Debashis GHOSH , Timothy BENDEL , David JOA
CPC分类号： G06Q30/0204 , G06Q30/02 , G06Q50/01
摘要： Aspects of this disclosure relate to a financial relationship and social relationship identifying computer which may include a processor and a memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying financial relationships and social relationships between customers of a business. The method for identifying financial relationship and social relationships between customers of a business may include determining one or more people with whom a first customer has conducted at least one financial transaction, electronically receiving customer data providing identities of customers of the business determining which of the one or more people are also customers of the business by comparing the one or more people with the customer data and compiling a subset of the one or more people including customers of the business with whom the first customer has conducted at least one financial transaction. The method may also include determining one or more people with whom a first customer has a social relationship.
摘要翻译： 本公开的方面涉及一种财务关系和社会关系识别计算机，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被执行时使计算机执行用于识别商业客户之间的财务关系和社会关系的方法 。 用于识别业务的客户之间的财务关系和社会关系的方法可以包括确定与第一客户进行至少一个金融交易的一个或多个人，电子地接收提供业务的客户的身份的客户数据，确定一个 或者更多的人也是业务的客户，通过将一个或多个人与客户数据进行比较，并编制一个或多个人的子集，包括首个客户进行至少一次金融交易的业务客户。 该方法还可以包括确定与第一客户具有社交关系的一个或多个人。
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公开(公告)号：US20100299250A1
公开(公告)日：2010-11-25
申请号：US12847349
申请日：2010-07-30
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
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公开(公告)号：US20100241573A1
公开(公告)日：2010-09-23
申请号：US12405748
申请日：2009-03-17
申请人： David Joa , Debashis Ghosh , David N. Joffe , Kurt Newman , Thayer S. Allison, JR. , Aaron Lai , Mark V. Krein , Sudeshna Banerjee , Yanghong Shao , Timothy John Bendel , Samuel Jeff Carter
发明人： David Joa , Debashis Ghosh , David N. Joffe , Kurt Newman , Thayer S. Allison, JR. , Aaron Lai , Mark V. Krein , Sudeshna Banerjee , Yanghong Shao , Timothy John Bendel , Samuel Jeff Carter
CPC分类号： G06Q30/02 , G06F16/24575 , G06Q20/10 , G06Q30/0204 , G06Q50/188
摘要： Systems and methods for consumer participation in a marketing survey and for development of marketing solicitations by corporate clients based on consumer transactional/demographic data are described. An individual seeking to participate in a marketing survey may first choose to be included in a database containing many surveys that have been added by corporate sponsors. The system may select a willing consumer for participation in the survey based on predefined preferred data metrics. Upon participation, the consumer may also receive a reward in the form of a cash payment or gift, which the system may credit directly to the consumer's bank account and/or to the consumer's account with a corporate affiliate. In addition, the platform may be used to generate marketing contact lists based on consumer demographic and transactional data for a corporate client.
摘要翻译： 描述了基于消费者交易/人口统计数据的消费者参与营销调查和公司客户开发营销征集的系统和方法。 寻求参与营销调查的个人可以首先选择被包含在包含许多由公司赞助商添加的调查的数据库中。 该系统可以基于预定义的优选数据度量来选择愿意参与调查的消费者。 参与后，消费者还可以以现金支付或礼物的形式获得奖励，系统可以直接向公司会员单位向消费者的银行帐户和/或消费者的账户信贷。 此外，平台可用于根据企业客户的消费者人口统计和交易数据来生成营销联系人列表。
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公开(公告)号：US08645245B2
公开(公告)日：2014-02-04
申请号：US12847349
申请日：2010-07-30
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译： 提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中提取资金以抵消逾期债务的抵消行动中收集的金额。 在操作中，本发明的实施例利用存款帐户的交易历史来检测帐户的存款模式，并且基于检测到的模式来预测下一笔大额存款到可附加账户的日期。 然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。
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公开(公告)号：US08306894B2
公开(公告)日：2012-11-06
申请号：US12430510
申请日：2009-04-27
申请人： Kurt Newman , Debashis Ghosh , David Joa , Tim Bendel , Mark Krein , Aaron Lai
发明人： Kurt Newman , Debashis Ghosh , David Joa , Tim Bendel , Mark Krein , Aaron Lai
IPC分类号： G06Q40/00
摘要： Aspects of the invention provide for the use of transactional data in the calculation of sub-scores that may be used in an index score. The sub-scores may include an account sub-score, an investment sub-score, and/or a discretionary sub-score. One or more sub-scores that represent an individual, an entity, or an economic sector may be used to create an index. Further aspects relate to calculating novel indices that more accurately represent and/or predict economic conditions.
摘要翻译： 本发明的方面提供了在计算可用于指数得分的分数的事务数据的使用。 子分数可以包括帐户子分数，投资子分数和/或酌情子分数。 代表个人，实体或经济部门的一个或多个子分数可用于创建索引。 其他方面涉及计算更精确地表示和/或预测经济状况的新指标。
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公开(公告)号：US20110166976A1
公开(公告)日：2011-07-07
申请号：US12652553
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
CPC分类号： G06Q40/02 , G06Q20/405 , G06Q30/02 , G06Q30/0204 , G06Q40/00 , G06Q40/12
摘要： Aspects of this disclosure relate to a potential-customer identifying computer 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 organization, by identifying financial accounts of the first organization wherein a customer associated with one of the respective financial accounts has made a payment on their respective financial account using a deposit account that the customer holds with a second organization. Further, the potential customer identifying computer may electronically retrieve, from a customer profile database, customer profile information for each of the financial accounts of the first organization and determine whether the customer profile information includes a bank routing number associated with the second organization. Further, the potential customer identifying computer may electronically retrieve, from the customer profile database, a customer name and customer contact information for each identified financial account and compile a list of the customers and their respective contact information based on each identified financial account.
摘要翻译： 本公开的方面涉及潜在客户识别计算机，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被执行时使计算机执行用于识别第一组织的潜在客户的方法，通过识别 第一组织，其中与相应财务帐户中的一个相关联的客户已经使用客户与第二组织持有的存款帐户在其各自的金融账户上进行支付。 此外，潜在客户识别计算机可以从客户简档数据库电子地检索第一组织的每个财务账户的客户简档信息，并且确定客户简档信息是否包括与第二组织相关联的银行路由号码。 此外，潜在的客户识别计算机可以从客户简档数据库中电子地检索每个识别的财务帐户的客户名称和客户联系信息，并且基于每个识别的财务帐户编制客户的列表及其各自的联系信息。
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