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    Analyzing Patterns within Transaction Data
    2.
    发明申请
    Analyzing Patterns within Transaction Data 审中-公开
    分析交易数据中的模式

    公开(公告)号：US20110082718A1

    公开(公告)日：2011-04-07

    申请号：US12574418

    申请日：2009-10-06

    申请人： Debashis Ghosh ,  Sudeshna Banerjee ,  Shiba Madaan ,  Sreedevi Gummuluri ,  David Joa

    发明人： Debashis Ghosh ,  Sudeshna Banerjee ,  Shiba Madaan ,  Sreedevi Gummuluri ,  David Joa

    IPC分类号： G06Q10/00

    CPC分类号： G06Q30/0201 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/4016 ,  G06Q30/06 ,  G07F7/08

    摘要： A transaction data analyzer associated with a financial entity discovers patterns and/or sequences in consumer transaction data. The analyzer may provide businesses with feedback on spatiotemporal patterns in consumer spending habits. In certain embodiments, the transaction analyzer discovers the frequency of a sequence of purchases made at a first merchant immediately followed by purchases made at a second merchant. In another embodiment, the transaction analyzer discovers trends in consumer purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to, risk mitigation, merchant/consumer prospecting, and targeted promotions.

    摘要翻译： 与金融实体相关联的交易数据分析器发现消费者交易数据中的模式和/或序列。 分析器可以为企业提供有关消费者消费习惯的时空模式的反馈。 在某些实施例中，交易分析器发现在第一商户处立即进行的在第二商家进行的购买所进行的购买序列的频率。 在另一个实施例中，交易分析器发现在周末期间消费者购买的趋势与周末期间的消费者购买趋势。 分析结果可以以各种方式使用，包括但不限于风险缓解，商家/消费者探矿和有针对性的促销。

    CARBON FOOTPRINT DETERMINATIONS
    4.
    发明申请
    CARBON FOOTPRINT DETERMINATIONS 审中-公开
    碳质量测定

    公开(公告)号：US20110213690A1

    公开(公告)日：2011-09-01

    申请号：US12713618

    申请日：2010-02-26

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

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

    IPC分类号： G06Q99/00 ,  G06Q50/00 ,  G06Q40/00

    CPC分类号： G06Q30/02 ,  G06Q30/018 ,  G06Q40/04

    摘要： Described herein are various apparatuses, methods, and computer program products for providing a carbon-footprint modeling environment that determines a consumer's carbon footprint based on the consumer's acquisition of goods and/or services, as indicated by the consumer's transaction data. For example, the carbon-footprint modeling environment collects the consumer's transaction data for a predefined period of time and identifies transaction data that indicates the consumer's acquisition of goods and/or services that, when produced and/or consumed, result in greenhouse gas emissions. According to some embodiments, the carbon-footprint modeling environment categorizes goods and/or services into, for example, the following categories: transportation, housing, food, waste, and miscellaneous. Based on information gleaned from the consumer's transaction data, the modeling environment may determine the quantities of goods and services the consumer consumed in each of the categories and then apply conversion ratios to convert the respective quantities of goods and/or services consumed into units of greenhouse gas emissions.

    摘要翻译： 这里描述的是用于提供碳足迹建模环境的各种装置，方法和计算机程序产品，其根据消费者的交易数据所指示的消费者对货物和/或服务的获取来确定消费者的碳足迹。 例如，碳足迹建模环境在预定义的时间段内收集消费者的交易数据，并且识别指示消费者购买在生产和/或消费时产生温室气体排放的商品和/或服务的交易数据。 根据一些实施例，碳足迹建模环境将商品和/或服务分类为例如以下类别：运输，住房，食品，废物和杂项。 根据消费者交易数据收集的信息，建模环境可以确定消费者在每个类别中消费的商品和服务的数量，然后应用转化率将各种消费的商品和/或服务数量转换为温室单位 气体排放

    Detecting credit misuse
    7.
    发明授权
    Detecting credit misuse 有权
    检测信用滥用

    公开(公告)号：US08504469B2

    公开(公告)日：2013-08-06

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/00 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/00 ,  G06Q40/12

    摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.

    摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

    DETECTING CREDIT MISUSE
    8.
    发明申请
    DETECTING CREDIT MISUSE 有权
    检测信用错误

    公开(公告)号：US20110202436A1

    公开(公告)日：2011-08-18

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    IPC分类号： G06Q10/00 ,  G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/00 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/00 ,  G06Q40/12

    摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.

    摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。