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    Technique for providing financial-transaction information
    1.
    发明授权
    Technique for providing financial-transaction information 有权
    提供金融交易信息的技术

    公开(公告)号：US08909548B1

    公开(公告)日：2014-12-09

    申请号：US12771222

    申请日：2010-04-30

    申请人： Alexander S. Ran ,  Siddharth Ram

    发明人： Alexander S. Ran ,  Siddharth Ram

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02

    摘要： A technique for providing information about financial transactions is described. This information technique allows a user, who has conducted financial transactions with one or more other parties, to access information about these financial transactions that is maintained by a provider of financial software, which is used by the one or more other parties to manage the information about the financial transactions. In particular, in this technique, in response to an access request from the user, a portal (such as a web page), which includes the information about the financial transactions between the user and the one or more other parties, is provided by the provider of the financial software to the user.

    摘要翻译： 描述了一种提供有关金融交易信息的技术。 该信息技术允许与一个或多个其他方进行金融交易的用户访问由一个或多个其他方用于管理信息的财务软件提供商维护的关于这些金融交易的信息 关于金融交易。 特别地，在该技术中，响应于来自用户的访问请求，包括关于用户与一个或多个其他方之间的金融交易的信息的门户（例如网页）由 向用户提供财务软件。

    Instant lending decisions
    2.
    发明授权
    Instant lending decisions 有权

    公开(公告)号：US11055772B1

    公开(公告)日：2021-07-06

    申请号：US16198599

    申请日：2018-11-21

    申请人： Siddharth Ram ,  Richard N. Preece ,  Joseph Timothy Callinan, Jr. ,  Kathy Tsitovich ,  Eva Diane Chang

    发明人： Siddharth Ram ,  Richard N. Preece ,  Joseph Timothy Callinan, Jr. ,  Kathy Tsitovich ,  Eva Diane Chang

    IPC分类号： G06Q40/02

    摘要： The method and system involves instant loan decisions by generating a risk profile of a small business (SMB). The risk profile is generated based on accounting data and other third party business management application (BMA) data of the SMB. In particular, the accounting data and other third party BMA data are retrieved from a BMA (e.g., accounting application, payroll application, tax preparation application, personnel application, etc.) as a software-as-an-service (SaaS) used by the SMB. Specifically, the risk profile represents the likelihood of the SMB to be delinquent and/or to default on a loan. The risk profile is then provided to a lender for making an expedient lending decision with respect to the SMB. In addition, statistics of lenders' lending decisions based on provided risk profiles are analyzed to generate a correlation. Accordingly, the algorithm(s) used to generate the risk profile from the accounting data and other third party BMA data are adjusted to maximize the correlation.