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公开(公告)号：US08190515B2
公开(公告)日：2012-05-29
申请号：US12645277
申请日：2009-12-22
申请人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
发明人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
摘要翻译： 本发明的方面提供了在确定信用和产品方面使用交易数据。 本发明的其它方面提供了使用事务数据来生成财务报表和指数，供用户和/或金融机构使用。 基于交易的财务报表和指数可用于进行承销和财务计划决策。
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公开(公告)号：US20120197782A1
公开(公告)日：2012-08-02
申请号：US13441309
申请日：2012-04-06
申请人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
发明人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
摘要翻译： 本发明的方面提供了在确定信用和产品方面使用交易数据。 本发明的其它方面提供了使用事务数据来生成财务报表和指数，供用户和/或金融机构使用。 基于交易的财务报表和指数可用于进行承销和财务计划决策。
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公开(公告)号：US08447689B2
公开(公告)日：2013-05-21
申请号：US13441309
申请日：2012-04-06
申请人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
发明人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee , Marc Douglas Halsted
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
摘要翻译： 本发明的方面提供了在确定信用和产品方面使用交易数据。 本发明的其它方面提供了使用事务数据来生成财务报表和指数，供用户和/或金融机构使用。 基于交易的财务报表和指数可用于进行承销和财务计划决策。
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公开(公告)号：US20080270292A1
公开(公告)日：2008-10-30
申请号：US11740130
申请日：2007-04-25
申请人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
发明人： Debashis Ghosh , William Anthony Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
摘要翻译： 本发明的方面提供了在确定信用和产品方面使用交易数据。 本发明的其它方面提供了使用事务数据来生成财务报表和指数，供用户和/或金融机构使用。 基于交易的财务报表和指数可用于进行承销和财务计划决策。
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公开(公告)号：US07734539B2
公开(公告)日：2010-06-08
申请号：US11740130
申请日：2007-04-25
申请人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
发明人： Debashis Ghosh , William A. Nobili , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
摘要翻译： 本发明的方面提供了在确定信用和产品方面使用交易数据。 本发明的其它方面提供了使用事务数据来生成财务报表和指数，供用户和/或金融机构使用。 基于交易的财务报表和指数可用于进行承销和财务计划决策。
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公开(公告)号：US20100094750A1
公开(公告)日：2010-04-15
申请号：US12645277
申请日：2009-12-22
申请人： Debashis Ghosh , William Anthony Nobii , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
发明人： Debashis Ghosh , William Anthony Nobii , Arun R. Pinto , Kurt D. Newman , David N. Joffe , Sudeshna Banerjee
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
摘要翻译： 本发明的方面提供了在确定信用和产品方面使用交易数据。 本发明的其它方面提供了使用事务数据来生成财务报表和指数，供用户和/或金融机构使用。 基于交易的财务报表和指数可用于进行承销和财务计划决策。
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公开(公告)号：US20100241573A1
公开(公告)日：2010-09-23
申请号：US12405748
申请日：2009-03-17
申请人： David Joa , Debashis Ghosh , David N. Joffe , Kurt Newman , Thayer S. Allison, JR. , Aaron Lai , Mark V. Krein , Sudeshna Banerjee , Yanghong Shao , Timothy John Bendel , Samuel Jeff Carter
发明人： David Joa , Debashis Ghosh , David N. Joffe , Kurt Newman , Thayer S. Allison, JR. , Aaron Lai , Mark V. Krein , Sudeshna Banerjee , Yanghong Shao , Timothy John Bendel , Samuel Jeff Carter
CPC分类号： G06Q30/02 , G06F16/24575 , G06Q20/10 , G06Q30/0204 , G06Q50/188
摘要： Systems and methods for consumer participation in a marketing survey and for development of marketing solicitations by corporate clients based on consumer transactional/demographic data are described. An individual seeking to participate in a marketing survey may first choose to be included in a database containing many surveys that have been added by corporate sponsors. The system may select a willing consumer for participation in the survey based on predefined preferred data metrics. Upon participation, the consumer may also receive a reward in the form of a cash payment or gift, which the system may credit directly to the consumer's bank account and/or to the consumer's account with a corporate affiliate. In addition, the platform may be used to generate marketing contact lists based on consumer demographic and transactional data for a corporate client.
摘要翻译： 描述了基于消费者交易/人口统计数据的消费者参与营销调查和公司客户开发营销征集的系统和方法。 寻求参与营销调查的个人可以首先选择被包含在包含许多由公司赞助商添加的调查的数据库中。 该系统可以基于预定义的优选数据度量来选择愿意参与调查的消费者。 参与后，消费者还可以以现金支付或礼物的形式获得奖励，系统可以直接向公司会员单位向消费者的银行帐户和/或消费者的账户信贷。 此外，平台可用于根据企业客户的消费者人口统计和交易数据来生成营销联系人列表。
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公开(公告)号：US20100057574A1
公开(公告)日：2010-03-04
申请号：US12199906
申请日：2008-08-28
申请人： Sudeshna Banerjee , Debashis Ghosh , David N. Joffe , Hans Shumacher , Sreedevi Gummuluri , Jeff Carter , Nicholas Halpern , Dan Ariely
发明人： Sudeshna Banerjee , Debashis Ghosh , David N. Joffe , Hans Shumacher , Sreedevi Gummuluri , Jeff Carter , Nicholas Halpern , Dan Ariely
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0269 , G06Q40/00
摘要： Apparatus and methods for providing a budget envelope credit card are provided. An apparatus according to the invention may include a budget envelope credit card software engine and a rewards software engine that provides a reward scheme for use by the budget envelope credit card engine, the rewards scheme that defines a reward frequency.
摘要翻译： 提供了一种提供预算信封信用卡的设备和方法。 根据本发明的装置可以包括预算信封信用卡软件引擎和奖励软件引擎，其提供由预算信封信用卡引擎使用的奖励方案，定义奖励频率的奖励方案。
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公开(公告)号：US08645245B2
公开(公告)日：2014-02-04
申请号：US12847349
申请日：2010-07-30
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译： 提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中提取资金以抵消逾期债务的抵消行动中收集的金额。 在操作中，本发明的实施例利用存款帐户的交易历史来检测帐户的存款模式，并且基于检测到的模式来预测下一笔大额存款到可附加账户的日期。 然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。
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公开(公告)号：US07792727B2
公开(公告)日：2010-09-07
申请号：US12255000
申请日：2008-10-21
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/10
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译： 提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中获得资金以抵消违约债务的偏移行动中收集的金额。 在操作中，本发明的实施例利用存款帐户的交易历史来检测账户的存款模式，并且基于检测到的模式，将下一笔大额存款的日期预测到可装修账户。 然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。
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