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    Lateness migration model
    2.
    发明授权
    Lateness migration model 有权
    延迟迁移模型

    公开(公告)号：US08527403B2

    公开(公告)日：2013-09-03

    申请号：US12692412

    申请日：2010-01-22

    申请人： Yanghong Shao ,  Debashis Ghosh ,  Thayer S. Allison, Jr. ,  Mark V. Krein ,  David Joa ,  Kurt D. Newman ,  Timothy J. Bendel ,  Sudeshna Banerjee

    发明人： Yanghong Shao ,  Debashis Ghosh ,  Thayer S. Allison, Jr. ,  Mark V. Krein ,  David Joa ,  Kurt D. Newman ,  Timothy J. Bendel ,  Sudeshna Banerjee

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q30/02 ,  G06Q30/0202 ,  G06Q40/025

    摘要： In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods. In one embodiment, the systems, methods, and computer program products are configured to predict lateness characteristics of a lending portfolio.

    摘要翻译： 一般来说，本发明的实施例涉及用于预测人口迁移和分析影响迁移的程序的系统，方法和计算机程序产品。 例如，提供了具有存储装置的装置，其中存储有人口信息和多个迁移因子。 人口信息包括关于多个分类中的人口分布的信息。 多个迁移因子中的每一个对应于多个分类的特定分类，并且指示特定分类的群体成员如何在特定时间段内迁移到其他分类。 该设备还包括可通信地耦合到存储器设备并且被配置为使用迁移因子和群体信息来预测多个时间段中的多个分类中的每一个上的人口分布的变化的处理器。 在一个实施例中，系统，方法和计算机程序产品被配置为预测贷款组合的延迟特性。

    DELINQUENCY MIGRATION MODEL
    3.
    发明申请
    DELINQUENCY MIGRATION MODEL 有权
    审判移民模式

    公开(公告)号：US20110184777A1

    公开(公告)日：2011-07-28

    申请号：US12692412

    申请日：2010-01-22

    申请人： Yanghong Shao ,  Debashis Ghosh ,  Thayer S. Allison, JR. ,  Mark V. Krein ,  David Joa ,  Kurt D. Newman ,  Timothy J. Bendel ,  Sudeshna Banerjee

    发明人： Yanghong Shao ,  Debashis Ghosh ,  Thayer S. Allison, JR. ,  Mark V. Krein ,  David Joa ,  Kurt D. Newman ,  Timothy J. Bendel ,  Sudeshna Banerjee

    IPC分类号： G06Q40/00 ,  G06Q10/00 ,  G06Q50/00

    CPC分类号： G06Q40/02 ,  G06Q30/02 ,  G06Q30/0202 ,  G06Q40/025

    摘要： In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods. In one embodiment, the systems, methods, and computer program products are configured to predict delinquency characteristics of a credit portfolio.

    摘要翻译： 一般来说，本发明的实施例涉及用于预测人口迁移和分析影响迁移的程序的系统，方法和计算机程序产品。 例如，提供了具有存储装置的装置，其中存储有人口信息和多个迁移因子。 人口信息包括关于多个分类中的人口分布的信息。 多个迁移因子中的每一个对应于多个分类的特定分类，并且指示特定分类的群体成员如何在特定时间段内迁移到其他分类。 该设备还包括可通信地耦合到存储器设备并且被配置为使用迁移因子和群体信息来预测多个时间段中的多个分类中的每一个上的人口分布的变化的处理器。 在一个实施例中，系统，方法和计算机程序产品被配置为预测信用投资组合的犯罪特征。

    CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT
    4.
    发明申请
    CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT 审中-公开
    客户定义的账户管理规则，用于改进链接的财务机构账户管理

    公开(公告)号：US20100274687A1

    公开(公告)日：2010-10-28

    申请号：US12430612

    申请日：2009-04-27

    申请人： Debashis Ghosh ,  Kurt D. Newman ,  David Joa ,  Sudeshna Banerjee ,  Thayer Allison ,  Yanghong Shao ,  Mark V. Krein

    发明人： Debashis Ghosh ,  Kurt D. Newman ,  David Joa ,  Sudeshna Banerjee ,  Thayer Allison ,  Yanghong Shao ,  Mark V. Krein

    IPC分类号： G06Q40/00 ,  G06N5/02 ,  G06Q10/00

    CPC分类号： G06Q20/227 ,  G06Q20/10 ,  G06Q40/02 ,  G06Q40/12

    摘要： Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to an overdraft. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures.

    摘要翻译： 提供系统，方法和计算机程序产品，用于与关联的金融机构帐户相关联的客户定义的金融机构帐户管理规则。 本文描述的方法，系统和计算机程序产品允许客户定义使客户的回报率最大化和/或最小化导致透支帐户的资金不足的可能性的规则。 因此，根据客户定义的规则，将资金自动转移到较高的回报率账户，从而最大限度地减少了非利息账户或低利息账户过剩余额的现金利用不足。 另外，管理主要支付账户（例如支票或账单账户）被处理，以确保资金足以支付客户的支出。

    Apparatus and methods for facts based trading
    6.
    发明授权
    Apparatus and methods for facts based trading 有权
    基于事实的交易的设备和方法

    公开(公告)号：US08566217B2

    公开(公告)日：2013-10-22

    申请号：US12236576

    申请日：2008-09-24

    申请人： Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark Krein

    发明人： Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark Krein

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/04 ,  G06Q10/04 ,  G06Q40/06

    摘要： Apparatus and methods for providing a trading recommendation. The apparatus and methods may involve using information about events and reactions to the events. The events and the reactions may be used to identify an expected impact of the event on a market. The expected impact may be used to recommend investment vehicle trades. The methods may include receiving an information item that relates to an event; receiving a sentiment indicator corresponding to the item; assigning to the item a market impact weighting index that is at least partially based on the sentiment indicator; and, based at least partially on the market impact weighting index, selecting the trading recommendation from a database of trading recommendations.

    摘要翻译： 提供交易推荐的装置和方法。 该装置和方法可以涉及使用关于事件和事件反应的信息。 事件和反应可用于确定事件对市场的预期影响。 预期的影响可能用于推荐投资车辆交易。 所述方法可以包括接收与事件相关的信息项; 接收与该项目对应的情绪指标; 向该项目分配至少部分基于情绪指标的市场影响加权指数; 并且至少部分地基于市场影响权重指数，从交易建议的数据库中选择交易建议。

    MOBILE COMMERCE SYSTEM
    7.
    发明申请
    MOBILE COMMERCE SYSTEM 审中-公开
    移动商务系统

    公开(公告)号：US20110270618A1

    公开(公告)日：2011-11-03

    申请号：US12770947

    申请日：2010-04-30

    申请人： Sudeshna Banerjee ,  Thayer S. Allison, JR. ,  Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Hemant Kagade ,  Yanghong Shao

    发明人： Sudeshna Banerjee ,  Thayer S. Allison, JR. ,  Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Hemant Kagade ,  Yanghong Shao

    IPC分类号： G06Q30/00 ,  G01S19/51

    CPC分类号： G06Q40/02 ,  G06Q30/02

    摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing targeted product offers to a consumer's mobile device based on the consumer's current location, location history, transaction history, and purchase thresholds. Embodiments of the invention are also directed to systems, methods, and computer program products for obtaining feedback from the consumer in relation to an offer and providing a modified offer based on the feedback. In one embodiment, the feedback is a determination that a consumer is not interested in a merchant offer based on the consumer's substantially real-time location information and transaction information.

    摘要翻译： 本发明的实施例涉及用于基于消费者的当前位置，位置历史，交易历史和购买阈值向消费者的移动设备提供目标产品提供的系统，方法和计算机程序产品。 本发明的实施例还涉及系统，方法和计算机程序产品，用于从报价中获得有关报价的反馈并根据反馈提供修改的报价。 在一个实施例中，反馈是消费者基于消费者基本上实时的位置信息和交易信息对商家报价不感兴趣的确定。

    Automated teller machine (“ATM”) dynamic keypad
    8.
    发明授权
    Automated teller machine (“ATM”) dynamic keypad 有权
    自动取款机（“ATM”）动态键盘

    公开(公告)号：US09196111B1

    公开(公告)日：2015-11-24

    申请号：US12983929

    申请日：2011-01-04

    申请人： Kurt D. Newman ,  Timothy J. Bendel ,  Rustam N. Wadia ,  Debashis Ghosh ,  David Joa

    发明人： Kurt D. Newman ,  Timothy J. Bendel ,  Rustam N. Wadia ,  Debashis Ghosh ,  David Joa

    IPC分类号： G06F7/04 ,  G07F7/10 ,  G07F19/00 ,  G06F3/048 ,  G06F3/0488 ,  G06F3/0481 ,  G06Q20/10 ,  G06F21/31 ,  G06F21/36

    CPC分类号： G06F3/04886 ,  G06F3/048 ,  G06F3/04817 ,  G06F3/0488 ,  G06F21/31 ,  G06F21/36 ,  G06F21/83 ,  G06Q20/10 ,  G06Q20/1085 ,  G07F7/10 ,  G07F7/1016 ,  G07F7/1041 ,  G07F19/20

    摘要： Systems and methods according to the present invention provide a more secure Automated Teller Machine (ATM) transaction by preventing observation of banking customers' Personal Identification Number (PIN). Such systems and methods make it difficult to obtain a customer's PIN by tracking the hand movement of a customer using an ATM. Inputs presented for a customer selection are preferably dynamically displayed in different locations preferably each time the customer is asked to enter a PIN. Dynamically changing the sequence of the display and/or location of the presented inputs reduces the possibility of mapping the hand movement of the customer to the positions of the inputs displayed for a customer selection. Inputs may also be presented at a very narrow viewing angle, thereby making observation of a PIN difficult. Hence, banking customers are preferably provided with a more robust and secured ATM transaction system.

    摘要翻译： 根据本发明的系统和方法通过防止观察银行客户的个人识别码（PIN）来提供更安全的自动柜员机（ATM）交易。 这样的系统和方法使得使用ATM跟踪客户的手部移动难以获得客户的PIN。 为客户选择呈现的输入优选地在每次客户被要求输入PIN时动态显示在不同的位置。 动态地改变所呈现的输入的显示和/或位置的顺序减少了将客户的手移动映射到为客户选择显示的输入的位置的可能性。 输入也可以以非常窄的视角呈现，从而难以观察PIN。 因此，银行客户优选地具有更强大和安全的ATM交易系统。

    Analyzing News Content Information
    10.
    发明申请
    Analyzing News Content Information 有权
    分析新闻内容信息

    公开(公告)号：US20110320543A1

    公开(公告)日：2011-12-29

    申请号：US12824981

    申请日：2010-06-28

    申请人： Timothy J. Bendel ,  Debashis Ghosh ,  David Joa ,  Kurt D. Newman

    发明人： Timothy J. Bendel ,  Debashis Ghosh ,  David Joa ,  Kurt D. Newman

    IPC分类号： G06F15/16

    CPC分类号： G06F17/30719 ,  G06F17/2229 ,  G06F17/2785 ,  G06F17/30867 ,  G06Q10/10 ,  G06Q50/01

    摘要： A system and method for analyzing news content information is disclosed. In a particular embodiment, the method includes receiving a first electronic data from a first news source, wherein the first electronic data is associated with a particular news event and receiving a second electronic data from a second news source, wherein the second electronic data is associated with the particular news event. The method also includes comparing the first and second electronic data and based on the comparison, assigning a numerical value to at least one of the first and second electronic data. The method further includes based on the numerical value assigned to at least one of the first and second electronic data, generating a third electronic data and transmitting the third electronic data to a user.

    摘要翻译： 公开了一种用于分析新闻内容信息的系统和方法。 在特定实施例中，该方法包括从第一新闻源接收第一电子数据，其中第一电子数据与特定新闻事件相关联，并从第二新闻源接收第二电子数据，其中第二电子数据被关联 与特定的新闻事件。 该方法还包括比较第一和第二电子数据，并且基于比较，将数值分配给第一和第二电子数据中的至少一个。 该方法还包括基于分配给第一和第二电子数据中的至少一个的数值，产生第三电子数据并将第三电子数据发送给用户。