公开(公告)号：US20150220951A1

公开(公告)日：2015-08-06

申请号：US14631130

申请日：2015-02-25

Applicant: Truaxis, Inc.

Inventor： Kaushal Kurapati ,  Fan Zhang ,  Abhijith Ramesh Kashyap

IPC: G06Q30/02

CPC classification number: G06Q30/0204 ,  G06Q30/0201 ,  G06Q40/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

Abstract: Disclosed herein is a method for identifying a member of a group with particular demographic characteristics. The method involves identifying purchasing behaviors of members of a group with particular demographic characteristics via market research, gathering transaction data from a financial account of a user at a financial institution for processing transactions of the user with the multiple of merchants, using the market research to set prior probabilities that a user is a member of the group in a Bayesian belief network, analyzing the transaction data of the user via a Bayesian belief network to determine whether the transaction data of the user indicates that the user is an individual member of the group with the particular demographic characteristics, and presenting to the user at least one of an offer and a savings opportunity from a merchant seeking to contact members of the group with the particular demographic characteristics.

Abstract translation: 本文公开了一种用于识别具有特定人口特征的组的成员的方法。 该方法涉及通过市场研究来识别具有特定人口特征的群体的成员的购买行为，从金融机构的用户的金融账户收集交易数据，以处理与多个商家的用户的交易，使用市场研究 设置用户是贝叶斯信念网络中的组的成员的先验概率，通过贝叶斯信念网络分析用户的交易数据，以确定用户的交易数据是否表示用户是该组的个体成员 具有特定的人口统计学特征，并且向用户呈现寻求与具有特定人口统计学特征的群体的成员联系的商家的报价和储蓄机会中的至少一个。

公开(公告)号：US20130325667A1

公开(公告)日：2013-12-05

申请号：US13904558

申请日：2013-05-29

Applicant: Truaxis, Inc.

Inventor： Ramakrishna Venkata Satyavolu ,  Saravana Perumal Shanmugam

IPC: G06Q30/06

CPC classification number: G06Q30/0629 ,  G06Q30/0201 ,  H04M15/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

Abstract: Disclosed herein is a method of providing a user with one or more savings opportunities. The method comprising, gathering transaction data from a user's financial account, analyzing the transaction data for indications of savings opportunities, identifying savings opportunities from a database based on analysis and communicating the savings opportunities to the user.

Abstract translation: 本文公开了一种向用户提供一个或多个储蓄机会的方法。 该方法包括：从用户的财务帐户收集交易数据，分析交易数据以获得储蓄机会的指示，基于分析识别来自数据库的储蓄机会，以及向用户传达储蓄机会。

公开(公告)号：US20160086222A1

公开(公告)日：2016-03-24

申请号：US14955862

申请日：2015-12-01

Applicant: Truaxis, Inc.

Inventor： Kaushal Kurapati

IPC: G06Q30/02

CPC classification number: G06Q30/0255 ,  G06Q30/0201 ,  G06Q30/0204 ,  G06Q30/0207 ,  G06Q30/0261 ,  G06Q30/0269 ,  G06Q40/00 ,  G06Q40/08 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

Abstract: Disclosed herein is a method for providing an offer which includes selecting at least one offer for presentation by applying at least one rule dictated by a merchant to a set of offers, applying at least one rule dictated by a financial institution to the offers, and applying a filter to identify offers with the highest likelihood of being accepted by the user. The selected offer is then presented to the user. An authorization request from a merchant for a user transaction is received by a remote computer and analyzed to determine one or more categories or sub-categories of the merchant or item in the transaction. The system then determines whether the selected offer is for a merchant or item in a related but different category from the one for which the authorization request was received, and if it is, the system reminds the user of the selected offer.

Abstract translation: 本文公开了一种提供要约的方法，其包括通过将由商家规定的至少一个规则应用于一组提议来选择至少一个呈现提议，将至少一个由金融机构规定的规则应用于该提议，以及应用 用于识别用户被接受的最高可能性的提供的过滤器。 然后将选定的优惠提供给用户。 远程计算机接收来自商家用于用户交易的授权请求，并对其进行分析，以确定交易中商家或商品的一个或多个类别或子类别。 系统然后确定所选择的报价是针对商家还是与接收到授权请求的商品相关但不同类别的商品，如果是，则系统提醒用户所选择的报价。

公开(公告)号：US20150348083A1

公开(公告)日：2015-12-03

申请号：US14789700

申请日：2015-07-01

Applicant: Truaxis, Inc.

Inventor： Eli B. Brill ,  Jen Milsop Millard ,  Akshit Mukesh Shah

IPC: G06Q30/02 ,  G06Q20/32 ,  G06Q20/38

CPC classification number: G06Q30/0222 ,  G06Q20/28 ,  G06Q20/3224 ,  G06Q20/387 ,  G06Q30/0201 ,  G06Q30/0204 ,  G06Q30/0255 ,  G06Q30/0261 ,  G06Q30/0269 ,  G06Q40/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

Abstract: A method for providing a savings opportunity includes receiving an authorization request for a user transaction by a first remote computer. By analyzing, at the first remote computer, the authorization request, it can be determined if the currency being used during the transaction is different from the preferred currency (as indicated by a user profile). If there is a difference, a savings opportunity indication for the foreign transaction is generated. The savings opportunity indication may be transmitted to a second remote computer where a savings opportunity from a database of savings opportunities is matched to the user. Then, at least one of the user and the merchant is notified by the second remote computer of the savings opportunity. Alternatively, the matched savings opportunity is returned to the first remote computer for transmittal to at least one of the user and the merchant along with an authorization of the transaction.

Abstract translation: 一种用于提供节省机会的方法包括：由第一远程计算机接收用户交易的授权请求。 通过在第一个远程计算机上分析授权请求，可以确定在交易期间正在使用的货币是否不同于首选货币（由用户配置文件指示）。 如果有差异，则会产生外国交易的储蓄机会指示。 储蓄机会指示可以被传送到第二远程计算机，其中来自储蓄机会的数据库的储蓄机会与用户相匹配。 然后，由第二远程计算机通知用户和商家中的至少一个储蓄机会。 或者，将匹配的储蓄机会返回到第一远程计算机，以便传送给用户和商家中的至少一个以及交易的授权。

公开(公告)号：US20150170175A1

公开(公告)日：2015-06-18

申请号：US14631091

申请日：2015-02-25

Applicant: Truaxis, Inc.

Inventor： Fan Zhang ,  Abhijith Ramesh Kashyap ,  Kaushal Kurapati ,  Francisco Javier Perez-Leon

IPC: G06Q30/02

CPC classification number: G06Q30/0204 ,  G06Q30/0201 ,  G06Q30/0207 ,  G06Q40/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

Abstract: Disclosed herein is a method for a merchant to gain information about the purchasing characteristics of a group with which the merchant wishes to interact. Merchants wishing to target group members are not able to specifically identify members of the group through depersonalized transaction data available from financial institutions. Group members are therefore identified through a traditional method: market research. The method also includes noting the purchasing behavior of group members, including providers of goods and services to group members, merchants not patronized by members of the group, and demographic characteristics of the group. An example of such a group is the so-called “millennials”. The identification of group members may be validated through test runs of financial data and fine-tuned to ensure correct identification of group members.

Abstract translation: 这里公开了一种用于商家获得关于商家希望进行交互的组的购买特性的信息的方法。 希望针对集团成员的商家无法通过金融机构提供的个性化交易数据专门识别集团成员。 因此，集团成员通过传统的方法来确定：市场研究。 该方法还包括注意集团成员的购买行为，包括集团成员的商品和服务提供商，不由群组成员光顾的商家以及该群体的人口特征。 这样的一个例子就是所谓的“千禧一代”。 集团成员的识别可以通过财务数据测试进行验证，并进行微调，以确保组成员的正确识别。

公开(公告)号：US20130325681A1

公开(公告)日：2013-12-05

申请号：US13904593

申请日：2013-05-29

Applicant: Truaxis, Inc.

Inventor： Manjunath Sulibele Somashekar ,  Akshit Mukesh Shah ,  Nilesh Vijay Kulkarni ,  Samir Kothari

IPC: G06Q40/00

CPC classification number: G06Q40/00 ,  G06Q30/0201 ,  H04M15/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

Abstract: Disclosed herein is a method of classifying financial transactions by usage patterns of a user. The method includes analyzing metadata extracted from the information associated with financial transactions in accordance with at least one business rule. Where the analysis includes sequentially analyzing the metadata using a constant-time lookup data structure, a Radix tree, a Lucene tree and fuzzy logic methods, until a unique identifier is found that is associated with the metadata. The metadata with the unique identifier is then added to the constant-time lookup data structure to update the constant-time lookup data structure. The transaction data is then classified based on the unique identifier.

Abstract translation: 本文公开了一种通过用户的使用模式对金融交易进行分类的方法。 该方法包括根据至少一个业务规则分析从与金融交易相关联的信息中提取的元数据。 其中分析包括使用恒定查找数据结构，基数树，Lucene树和模糊逻辑方法顺序分析元数据，直到找到与元数据相关联的唯一标识符。 然后将具有唯一标识符的元数据添加到恒定查找数据结构中，以更新常数查找数据结构。 然后根据唯一标识符对交易数据进行分类。

公开(公告)号：US20150220999A1

公开(公告)日：2015-08-06

申请号：US14637150

申请日：2015-03-03

Applicant: Truaxis, Inc.

Inventor： John Michael Thornton ,  Kaushal Kurapati ,  Abhijith Ramesh Kashyap

IPC: G06Q30/02

CPC classification number: G06Q30/0269 ,  G06Q30/0201 ,  G06Q30/0204 ,  G06Q30/0255 ,  G06Q30/0261 ,  G06Q40/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

Abstract: A system and method of targeting users with a reward, offer, or incentive may include selecting at least one reward, offer, or incentive to present to a user by applying at least one rule, restriction, or filter dictated by a merchant to the set to be provided to the user, applying at least one rule, restriction, or filter dictated by a financial institution to the set, and applying a filter to the set to obtain those rewards, offers, or incentives with the highest likelihood of being accepted by the user. At least one parameter of the at least one reward, offer, or incentive is adjusted prior to presentation to the user based on a spending trajectory, user propensity model, user profile information or segmentation criteria, or campaign goal.

Abstract translation: 利用奖励，报价或奖励来定位用户的系统和方法可以包括通过将由商家指定的至少一个规则，限制或过滤器应用于该集合来选择至少一个奖励，报价或激励来呈现给用户 向用户提供，将由金融机构指定的至少一个规则，限制或过滤应用于该集合，以及向该集合应用过滤器以获得具有最高可能性被接受的那些奖励，报价或奖励 用户。 基于支出轨迹，用户倾向模型，用户简档信息或分段标准或者活动目标，在呈现给用户之前调整至少一个奖励，报价或激励的至少一个参数。

公开(公告)号：US20140143109A1

公开(公告)日：2014-05-22

申请号：US14166525

申请日：2014-01-28

Applicant: Truaxis, Inc.

Inventor： Ramakrishna Venkata Satyavolu ,  Samir Kothari ,  Shehzad Daredia

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q30/0215

Abstract: The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider's services, options, terms, conditions, costs, or how the service options change based on the consumer's particular usage characteristics. The disclosed comparison shopping method uses the consumer's actual or predicted service usage data. Service provider information is used to present the consumer with relevant alternative service offering options. Transaction data is gathered from a user's financial account and is analyzed for a savings opportunity indication. The analysis is used to match a savings opportunity from a database of savings opportunities, and the savings opportunity may be displayed in a statement of a user's financial account. Past responses to a savings opportunity indication may be gathered and analyzed. In one example, a savings opportunity is presented with a statement of the consumer's financial account.

公开(公告)号：US20130325587A1

公开(公告)日：2013-12-05

申请号：US13904650

申请日：2013-05-29

Applicant: Truaxis, Inc.

Inventor： Samir Kothari ,  Shan Li ,  Akshit Mukesh Shah ,  Saravana Perumal Shanmugam

IPC: G06Q30/02

CPC classification number: G06Q30/0243 ,  G06Q30/0201 ,  G06Q30/0246 ,  H04M15/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

Abstract: Disclosed herein is a method is provided for managing campaign effectiveness by a merchant. The method comprising: initiating a campaign by one or more merchants, accessing transaction data from one or more financial institutions, extracting metadata associated with the transaction data in accordance with at least one rule, analyzing the metadata to identify transaction data associated with the campaign and the one or more merchants, analyzing the transaction data associated with the campaign and the one or more merchants and providing information associated with the campaign to the merchant.

Abstract translation: 这里公开了一种用于管理商家的运动效力的方法。 该方法包括：由一个或多个商家发起活动，从一个或多个金融机构访问交易数据，根据至少一个规则提取与交易数据相关联的元数据，分析元数据以识别与该活动相关联的交易数据;以及 所述一个或多个商家分析与所述活动相关联的交易数据和所述一个或多个商家，并向所述商家提供与所述活动相关联的信息。

公开(公告)号：US20130325548A1

公开(公告)日：2013-12-05

申请号：US13904624

申请日：2013-05-29

Applicant: Truaxis, Inc.

Inventor： Nilesh Vijay Kulkarni ,  Samir Kothari ,  John Michael Thornton

IPC: G06Q30/02

CPC classification number: G06Q30/0201 ,  H04M15/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

Abstract: Disclosed herein is a method of obtaining merchant sales information for marketing or sales teams. Including accessing transaction data from one or more financial institutions and extracting metadata associated with the transaction data in accordance with at least one rule. The metadata is then analyzed to identify transaction data associated with one or more merchants. The transaction data associated with the one or more merchants is provided to the marketing or sales teams.

Abstract translation: 本文公开了一种获得市场销售团队销售信息的方法。 包括从一个或多个金融机构访问交易数据，并根据至少一个规则提取与交易数据相关联的元数据。 然后分析元数据以识别与一个或多个商家相关联的交易数据。 与一个或多个商家相关联的交易数据被提供给营销或销售团队。