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    Trigger data quality monitor
    1.
    发明授权
    Trigger data quality monitor 有权
    触发数据质量监控

    公开(公告)号：US08805730B2

    公开(公告)日：2014-08-12

    申请号：US13486593

    申请日：2012-06-01

    申请人： Naveen G. Yeri ,  Bibhudatta Jena ,  Arya Kumar Vedabrata ,  Chandrashekar Katuri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, Jr. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj

    发明人： Naveen G. Yeri ,  Bibhudatta Jena ,  Arya Kumar Vedabrata ,  Chandrashekar Katuri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, Jr. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj

    IPC分类号： G07F19/00

    CPC分类号： G06Q40/02

    摘要： Systems and methods for monitoring trigger data quality are provided herein. The systems and methods detect and report whether the current trigger counts are normal or flawed in real time. The systems and methods monitor the triggers to determine the accuracy, completeness, domain of values, and format of the trigger data. In the system and methods, account data associated with the one or more accounts is received and stored in a storage device; the account data is segregated into one or more periods of time; triggers associated with the one or more periods of time are identified based on transactions that occur during the one or more periods of time; a total transaction count for each of the triggers is calculated; and control limits are determined based on the transaction count for each of the triggers.

    摘要翻译： 本文提供了监控触发数据质量的系统和方法。 系统和方法检测并报告当前触发计数是否正常或实时有缺陷。 系统和方法监视触发器以确定触发数据的准确性，完整性，值域和格式。 在系统和方法中，与一个或多个帐户相关联的帐户数据被接收并存储在存储设备中; 帐户数据被分隔成一个或多个时间段; 基于在一个或多个时间段期间发生的交易来识别与一个或多个时间段相关联的触发; 计算每个触发器的总事务计数; 并且基于每个触发器的事务计数来确定控制限制。

    AUTOMATED BILL PAYMENT SYSTEM
    2.
    发明申请
    AUTOMATED BILL PAYMENT SYSTEM 审中-公开
    自动付款系统

    公开(公告)号：US20130325707A1

    公开(公告)日：2013-12-05

    申请号：US13486781

    申请日：2012-06-01

    申请人： David Joa ,  Timothy J. Bendel ,  Thayer S. Allison, JR. ,  Yanghong Shao ,  David Neil Joffe ,  Naveen G. Yeri

    发明人： David Joa ,  Timothy J. Bendel ,  Thayer S. Allison, JR. ,  Yanghong Shao ,  David Neil Joffe ,  Naveen G. Yeri

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02

    摘要： Systems, methods and computer program products are provided for processing an automated bill payment. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Based on the account data triggers are detected indicating multiple payments to a plurality of service providers. The system determines from the account data a payment amount to be made to a service provider. The payment amount is periodically transferred from the user's general deposit account to a separate payment account. The payment amount is then periodically withdrawn from the payment account and sent to the service provider.

    摘要翻译： 提供系统，方法和计算机程序产品用于处理自动账单支付。 在系统和方法中，接收与用户帐户相关联的帐户数据，并将帐户数据存储在存储装置中。 基于帐户数据，检测到触发器指示对多个服务提供商的多个支付。 该系统从帐户数据确定要对服务提供商进行的支付金额。 付款金额定期从用户一般存款账户转入单独的支付账户。 然后，支付金额将从支付帐户中定期退出并发送给服务提供商。

    Aggregation of customer transaction data
    5.
    发明授权
    Aggregation of customer transaction data 有权
    客户交易数据汇总

    公开(公告)号：US08346661B2

    公开(公告)日：2013-01-01

    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： G06Q40/00

    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，存储客户交易记录。 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。

    Unstructured data integration with a data warehouse
    6.
    发明授权
    Unstructured data integration with a data warehouse 有权
    与数据仓库的非结构化数据集成

    公开(公告)号：US08290951B1

    公开(公告)日：2012-10-16

    申请号：US12171024

    申请日：2008-07-10

    申请人： David Joa ,  Debashish Ghosh ,  Kurt Newman ,  Thayer S. Allison, Jr. ,  Elaine C. Marino ,  Joy M. Tarquin ,  Maryann Mangini ,  Yanghong Shao ,  Mark V. Krein

    发明人： David Joa ,  Debashish Ghosh ,  Kurt Newman ,  Thayer S. Allison, Jr. ,  Elaine C. Marino ,  Joy M. Tarquin ,  Maryann Mangini ,  Yanghong Shao ,  Mark V. Krein

    IPC分类号： G06F7/00 ,  G06F17/30

    CPC分类号： G06Q40/02 ,  G06F17/30557

    摘要： Techniques for bridging data from business support units, e.g., call centers and marketing operations, with a data warehouse to augment and enrich pre-existing customer information. Unstructured data is received with incomplete integration information. A data key is created from the unstructured data, and the unstructured data is integrated with the structured data in a data warehouse based on the data key. Unstructured data can assume different forms of data, including recorded audio data, facial image data, and iris image data. At least one customer identifier is extracted from the unstructured data by data mining. A data key is subsequently created from the at least one customer identifier. Incomplete integration may include partial integration information or may not include any integration information.

    摘要翻译： 通过数据仓库桥接来自业务支持单元（例如呼叫中心和营销操作）的数据的技术，以增强和丰富预先存在的客户信息。 收到的非结构化数据不完整的集成信息。 数据密钥是从非结构化数据创建的，非结构化数据与基于数据密钥的数据仓库中的结构化数据进行集成。 非结构化数据可以采用不同形式的数据，包括记录的音频数据，面部图像数据和虹膜图像数据。 通过数据挖掘从非结构化数据中提取至少一个客户标识符。 随后从至少一个客户标识符创建数据密钥。 不完全集成可以包括部分集成信息，或者不包括任何集成信息。

    Determinations relating to resource distribution
    7.
    发明授权
    Determinations relating to resource distribution 有权
    有关资源分配的决定

    公开(公告)号：US08095460B2

    公开(公告)日：2012-01-10

    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。

    Adjusted Net Income
    9.
    发明申请
    Adjusted Net Income 审中-公开
    调整后的净收入

    公开(公告)号：US20090063311A1

    公开(公告)日：2009-03-05

    申请号：US11848963

    申请日：2007-08-31

    申请人： Thayer S. Allison, JR. ,  Sudeshna Banerjee ,  Timothy J. Bendel ,  Debashis Ghosh ,  David Joa ,  Kurt Newman

    发明人： Thayer S. Allison, JR. ,  Sudeshna Banerjee ,  Timothy J. Bendel ,  Debashis Ghosh ,  David Joa ,  Kurt Newman

    IPC分类号： G06Q40/00 ,  G06F17/40

    CPC分类号： G06Q40/02 ,  G06Q40/12

    摘要： Techniques for enhanced assessment of the business value of an account and/or customer are disclosed. An adjusted net income value outputted by a system may be used by a financial institution, such as a bank, mortgage broker, lender, or credit card company, to better assess the business value and/or profitability of an account. For accounts that are delinquent at the end of an observation period, the adjusted net income value is equal to the net income minus the percentage of the past due balance that is predicted to get charged off. The percentage of the past due balance that is predicted to get charged off relates to the number of days the account has been delinquent.

    摘要翻译： 披露了增强对账户和/或客户业务价值评估的技术。 系统输出的调整后的净收入值可以由金融机构（如银行，抵押贷款经纪人，贷方或信用卡公司）使用，以更好地评估账户的业务价值和/或盈利能力。 对于在观察期结束时拖欠的账户，调整后的净收入等于净收入减去预计被扣除的过去期末余额的百分比。 预计被扣除的过去应付余额的百分比与帐户被拖欠的天数相关。