公开(公告)号：US20130138554A1

公开(公告)日：2013-05-30

申请号：US13307457

申请日：2011-11-30

申请人： Andrey N. Nikankin ,  Rodion Shishkov

发明人： Andrey N. Nikankin ,  Rodion Shishkov

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： Disclosed are electronic systems and techniques for implementing dynamic risk assessment and credit standards generation. The risk assessment component can dynamically determine a risk of lending to a potential borrower based on a set of risk assessment criteria, and classify the potential borrower based on the risk. In addition, the risk assessment component can forecast a subset of the risk assessment criteria. A standards generation component can dynamically generate a set of lending criteria for respective classifications of potential borrowers based at least in part on a set of predetermined criterion or previous lending outcomes. An approval component can determine whether the potential borrower is eligible for one or more loans as a function of the set of lending criteria corresponding to the determined classification, and a terms component can generate a set of terms for the one or more loans.

摘要翻译： 公开了用于实施动态风险评估和信用标准生成的电子系统和技术。 风险评估组件可以根据一组风险评估标准动态确定向潜在借款人提供贷款的风险，并根据风险对潜在借款人进行分类。 此外，风险评估组件可以预测风险评估标准的一个子集。 标准生成组件可以至少部分地基于一组预定标准或先前的贷款结果来动态地产生用于潜在借款人的相应分类的一组贷款标准。 批准组件可以根据与所确定的分类相对应的一组贷款标准来确定潜在借款人是否有资格获得一个或多个贷款，而术语组件可以为一个或多个贷款产生一组术语。

公开(公告)号：US20130132358A1

公开(公告)日：2013-05-23

申请号：US13299877

申请日：2011-11-18

申请人： Andrey N. Nikankin ,  Rodion Shishkov

发明人： Andrey N. Nikankin ,  Rodion Shishkov

IPC分类号： G06F17/30

CPC分类号： G06Q30/0609 ,  G06Q40/02

摘要： Disclosed are electronic systems and techniques for implementing consumer information aggregation and profile generation. An aggregator component can obtain data relating to a user from virtually any open, publicly available, or private sources of information. A profile of candidate characteristics associated with the user is generated, or updated, based on the information obtained, and the eligibility of the user for one or more offers, such as a loan, can be determined based at least in part on the profile of candidate characteristics. In this regard, banks and retailers can automate an offer decision-making process using information about the applicant that is readily available.

摘要翻译： 公开了用于实现消费者信息聚合和简档生成的电子系统和技术。 聚合器组件可以从几乎任何公开的，公开的或专有的信息源获得与用户相关的数据。 基于获得的信息生成或更新与用户相关联的候选特征的简档，并且可以至少部分地基于所获得的信息的简档来确定用户对一个或多个提供（例如贷款）的资格， 候选人特征。 在这方面，银行和零售商可以使用可随时获得的有关申请人的信息自动化提供决策过程。

公开(公告)号：US20130138553A1

公开(公告)日：2013-05-30

申请号：US13305346

申请日：2011-11-28

申请人： Andrey N. Nikankin ,  Rodion Shishkov

发明人： Andrey N. Nikankin ,  Rodion Shishkov

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： Disclosed are electronic systems and techniques for implementing credit scoring based on information aggregation. An aggregator component can obtain data relating to a user from virtually any open, publicly available, or private sources of information, and generate, or update, a profile of candidate characteristics based on the information obtained. A scoring calculation component can inspect the profile of candidate characteristics, determine a set of factors included in the profile of candidate characteristics that are relevant for a loan or credit eligibility determination, and rate the factors. A credit score for the user can be generated based on the ratings of the factors, and the eligibility of the user for one or more loans can be determined as a function of the credit score. In this regard, banks and retailers can automate credit scoring and loan eligibility determination using information about the applicant that is readily available.

摘要翻译： 披露了基于信息聚合实现信用评分的电子系统和技术。 聚合器组件可以从几乎任何开放的，公开的或专有的信息源获得与用户相关的数据，并且基于获得的信息生成或更新候选特征的简档。 评分计算部分可以检查候选人特征的概况，确定与贷款或信用资格确定相关的候选特征简档中包括的一系列因素，并对因素进行评估。 可以基于因素的评级来生成用户的信用分数，并且可以根据信用评分确定用户对一个或多个贷款的资格。 在这方面，银行和零售商可以使用易于获得的申请人信息自动化信用评分和贷款资格确定。

公开(公告)号：US20130060684A1

公开(公告)日：2013-03-07

申请号：US13226177

申请日：2011-09-06

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q40/00

CPC分类号： G06Q20/14 ,  G06Q10/10 ,  G06Q20/40 ,  G06Q30/04

摘要： Systems, apparatuses and methods are described for remotely processing paper invoices online. In an aspect, a method comprises receiving by a computing device, an electronic image representative of an invoice associated with a user of the device and a payee, sending the electronic image of the invoice to an online accounting system, wherein the online accounting system converts the electronic image of the invoice into an electronic form, accessing accounts associated with the user of the device, accessing the electronic form of the invoice, and authorizing payment of the invoice, including authorizing electronic transfer of money from at least one of the accounts to the payee. The method can further include receiving a list of payees, selecting the payee from the list of payees, and sending the selection of the payee to the online accounting system, wherein the online accounting system links the payee to the invoice.

摘要翻译： 描述了用于在线远程处理纸张发票的系统，设备和方法。 一方面，一种方法包括由计算设备接收代表与设备的用户相关联的发票的电子图像和收款人，将发票的电子图像发送到在线会计系统，其中在线会计系统转换 将发票的电子图像转换为电子表格，访问与设备的用户相关联的帐户，访问发票的电子表格，以及授权支付发票，包括授权从至少一个帐户电子转帐到至 收款人。 该方法还可以包括接收收款人列表，从收款人列表中选择收款人，并将收款人的选择发送到在线会计系统，其中在线会计系统将收款人链接到发票。

公开(公告)号：US20120253972A1

公开(公告)日：2012-10-04

申请号：US13073969

申请日：2011-03-28

申请人： Ilya Oskolkov ,  Artem Kirakosyan ,  Rodion Shishkov ,  Igor Sokolov

发明人： Ilya Oskolkov ,  Artem Kirakosyan ,  Rodion Shishkov ,  Igor Sokolov

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0241 ,  G06Q30/06

摘要： Disclosed are shared shopping systems and techniques based on social graph information and spanning multiple merchant providers. A device can include a component for implementing a shopping portal and include an access security module. Social graph information for use in connection with any of the embodiments described herein can come from internal sources or external sources. In this regard, the object information respecting items selected by users represented by a given user social graph can be stored in storage. The access security module can be configured to categorize the object information according to a set of predetermined criteria and allow access to the object information by others represented in a social graph for the user that have received authorization to access the object information.

摘要翻译： 公开的是基于社交图信息并跨越多个商家提供商的共享购物系统和技术。 设备可以包括用于实现购物门户并包括访问安全模块的组件。 与本文所述的任何实施例结合使用的社交图信息可以来自内部来源或外部来源。 就此而言，可以将存储有关于由给定用户社交图表示的用户选择的项目的对象信息存储在存储器中。 访问安全模块可以被配置为根据一组预定标准对对象信息进行分类，并且允许在已经接收到访问对象信息的授权的用户的在社交图中表示的其他对象信息的访问。

公开(公告)号：US08635156B2

公开(公告)日：2014-01-21

申请号：US13226177

申请日：2011-09-06

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q40/00

CPC分类号： G06Q20/14 ,  G06Q10/10 ,  G06Q20/40 ,  G06Q30/04

摘要： Systems, apparatuses and methods are described for remotely processing paper invoices online. In an aspect, a method comprises receiving by a computing device, an electronic image representative of an invoice associated with a user of the device and a payee, sending the electronic image of the invoice to an online accounting system, wherein the online accounting system converts the electronic image of the invoice into an electronic form, accessing accounts associated with the user of the device, accessing the electronic form of the invoice, and authorizing payment of the invoice, including authorizing electronic transfer of money from at least one of the accounts to the payee. The method can further include receiving a list of payees, selecting the payee from the list of payees, and sending the selection of the payee to the online accounting system, wherein the online accounting system links the payee to the invoice.

摘要翻译： 描述了用于在线远程处理纸张发票的系统，设备和方法。 一方面，一种方法包括由计算设备接收代表与设备的用户相关联的发票的电子图像和收款人，将发票的电子图像发送到在线会计系统，其中在线会计系统转换 将发票的电子图像转换为电子表格，访问与设备的用户相关联的帐户，访问发票的电子表格，以及授权支付发票，包括授权从至少一个帐户电子转帐到至 收款人。 该方法还可以包括接收收款人列表，从收款人列表中选择收款人，并将收款人的选择发送到在线会计系统，其中在线会计系统将收款人链接到发票。

公开(公告)号：US20130138555A1

公开(公告)日：2013-05-30

申请号：US13307637

申请日：2011-11-30

申请人： Rodion Shishkov

发明人： Rodion Shishkov

IPC分类号： G06Q40/02

CPC分类号： G06Q40/025

摘要： Disclosed are systems and techniques that generate different sets of attributes for determining a credit worthiness score of a client. A first set of attributes is obtained from reliable data sources having information related to the client's credit score. A second set of attributes is obtained from publicly available data sources. The data is scored with respect to validity and relevancy to the potential client based on associations between the first and second set of attributes. A credit worthiness score is determined according to the first and the second set of data wherein the second set of attributes relates to characteristics of the client different from the first set of attributes.

摘要翻译： 公开的是产生用于确定客户端的信用度分数的不同属性集合的系统和技术。 从具有与客户的信用评分相关的信息的可靠数据源获得第一组属性。 从公开的数据源获得第二组属性。 根据第一组和第二组属性之间的关联，对潜在客户端的有效性和相关性进行数据评分。 根据第一和第二组数据确定信用度分数，其中第二组属性与不同于第一组属性的客户端的特征相关。

公开(公告)号：US20130060689A1

公开(公告)日：2013-03-07

申请号：US13226373

申请日：2011-09-06

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q50/01

摘要： Techniques for efficient transfer of funds between parties using personal communication devices are presented. A first user can use a first communication device to transfer funds from an account associated with the first user to a second user via a communication address associated with the second user's second communication device even if the second user is not registered with a financial service provider associated with the account of the first user. The funds can be sent from the first communication device using the Internet, mobile communication systems, or other communication technology via a message, an email, a voice mail, etc., to the second user, wherein notification of the funds can be sent to the second communication device. The first user can send funds using an account with the financial service provider or an affiliated account, and the second user can have the funds deposited into a desired account.

摘要翻译： 介绍了使用个人通信设备在各方之间有效转移资金的技术。 第一用户可以使用第一通信设备通过与第二用户的第二通信设备相关联的通信地址将资金从与第一用户相关联的帐户转移到第二用户，即使第二用户没有向与金融服务提供商相关联的注册 与第一个用户的帐户。 可以通过消息，电子邮件，语音邮件等从第一通信设备使用因特网，移动通信系统或其他通信技术向第二用户发送资金，其中可以将资金的通知发送到 第二通信设备。 第一个用户可以使用与金融服务提供商或附属帐户的帐户进行资金交流，而第二个用户可以将资金存入所需账户。

公开(公告)号：US20130060680A1

公开(公告)日：2013-03-07

申请号：US13226182

申请日：2011-09-06

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/227

摘要： Described herein are systems, methods, and articles of manufacture that establish services that facilitate funds management. These services can manage multiple accounts of different types for the same user (either payer or payee). The services can also link a payee account and a payer account to establish electronic funds transfers and other transactions. The services can also facilitate the establishment of an electronic funds transfer through enabling a search for either a payee or a payer according to a criterion.

摘要翻译： 这里描述了建立促进资金管理的服务的系统，方法和制品。 这些服务可以为同一用户（付款人或收款人）管理不同类型的多个帐户。 这些服务还可以连接收款人账户和付款人帐户，以建立电子资金转帐和其他交易。 这些服务还可以通过根据标准搜索收款人或付款人来促进建立电子资金转帐。

公开(公告)号：US20120278127A1

公开(公告)日：2012-11-01

申请号：US13096790

申请日：2011-04-28

申请人： Artem Kirakosyan ,  Ilya Oskolkov ,  Rodion Shishkov ,  Igor Sokolov

发明人： Artem Kirakosyan ,  Ilya Oskolkov ,  Rodion Shishkov ,  Igor Sokolov

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0631 ,  H04L67/02

摘要： Systems and methods are described for generating online product recommendations. A plurality of data objects representative of a plurality of items for user consumption from an online merchant are stored at a computing device. A method then comprises, registering a device associated with a user with the online merchant; and in response to registering the device: associating the device with at least one other device registered with the online merchant associated with an other user in response to selection of the at least one other device by the device, monitoring a first social activity of the at least one other device, wherein the first social activity includes a first activity related to an interaction of the at least one other device with at least one of the plurality of data objects, and collecting and storing first social activity data related to the first social activity of the at least one other device.

摘要翻译： 描述了用于生成在线产品建议的系统和方法。 表示用于来自在线商家的用户消费的多个项目的多个数据对象被存储在计算设备中。 一种方法然后包括：将与用户相关联的设备注册到在线商家; 以及响应于注册所述设备，响应于所述设备对所述至少一个其他设备的选择，将所述设备与注册在与其他用户相关联的在线商家中的至少一个其他设备关联起来，监视所述设备的所述第一社交活动 至少一个其他设备，其中所述第一社交活动包括与所述至少一个其他设备与所述多个数据对象中的至少一个数据对象的交互相关的第一活动，以及收集和存储与所述第一社交活动相关的第一社交活动数据 的至少一个其他设备。