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    DYNAMIC LOAN SERVICE MONITORING SYSTEM AND METHOD
    3.
    发明申请
    DYNAMIC LOAN SERVICE MONITORING SYSTEM AND METHOD 审中-公开
    动态贷款服务监控系统及方法

    公开(公告)号：US20120323760A1

    公开(公告)日：2012-12-20

    申请号：US13162364

    申请日：2011-06-16

    申请人： Haengju Lee ,  Shanmuga-Nathan Gnanasambandam ,  Rajinderjeet Singh Minhas ,  Shi Zhao ,  Andres Quiroz Hernandez ,  Gary Morey ,  David Cacciola ,  William Voll

    发明人： Haengju Lee ,  Shanmuga-Nathan Gnanasambandam ,  Rajinderjeet Singh Minhas ,  Shi Zhao ,  Andres Quiroz Hernandez ,  Gary Morey ,  David Cacciola ,  William Voll

    IPC分类号： G06Q40/02

    CPC分类号： G06Q40/02

    摘要： The disclosure describes a method and system monitoring a set of loans and identifying loans in the set that that are likely to default before an upcoming date. The system uses a set of data about loans that are in a default status and loans that are in a non-default status to train a set of loan models. The loan models include at least one model for a defaulted loan and at least one model for a non-defaulted loan. After the loan models are created, the system monitors active loans and classifies each active loan in accordance with one of the loan models. Based on the loan model to which the active loan is classified, the processor will determine a probability of default over a prospective time period for the active loan and issue an alert when a loan's probability of default exceeds a threshold.

    摘要翻译： 本公开描述了一种方法和系统，监控一组贷款，并在该集合中识别在即将到期之前可能违约的贷款。 该系统使用关于处于默认状态的贷款的一组数据，以及处于非默认状态的贷款来训练一组贷款模型。 贷款模式至少包括一个违约贷款模型和至少一个非违约贷款模型。 贷款模式创建后，系统监控活跃贷款，并按照贷款模式之一分类每个活跃贷款。 基于活跃贷款分类的贷款模式，处理者将在活期贷款的预期期限内确定违约概率，并在违约概率超过阈值时发出警报。

    METHOD AND SYSTEM FOR ONLINE ADVERTISING
    4.
    发明申请
    METHOD AND SYSTEM FOR ONLINE ADVERTISING 审中-公开
    在线广告的方法和系统

    公开(公告)号：US20140089082A1

    公开(公告)日：2014-03-27

    申请号：US13623886

    申请日：2012-09-21

    申请人： Haengju Lee ,  Shanmuga-Nathan Gnanasambandam

    发明人： Haengju Lee ,  Shanmuga-Nathan Gnanasambandam

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0273 ,  G06Q30/0275

    摘要： A computer implementable online advertising method is provided. A basic price for publishing an advertisement for a pre-specified duration is determined. A score indicative of the performance of the advertisement during the pre-specified duration is determined. Whether the score satisfies a pre-determined criterion is determined. An incentive associated with publishing the advertisement is provided to an advertiser associated with the advertisement based on the pre-determined criterion being satisfied.

    摘要翻译： 提供了可实现的计算机在线广告方法。 确定预定时间内发布广告的基本价格。 确定在预定时间期间指示广告的表现的分数。 确定分数是否满足预定标准。 基于满足的预定标准，向与广告相关联的广告商提供与发布广告相关联的激励。

    METHODS AND SYSTEMS FOR AUTOMATED POST-AUCTION CHANGE ORDER OPTIMIZATION IN AUCTIONS
    6.
    发明申请
    METHODS AND SYSTEMS FOR AUTOMATED POST-AUCTION CHANGE ORDER OPTIMIZATION IN AUCTIONS 审中-公开
    自动化拍卖后变更订单优化方法和系统

    公开(公告)号：US20130185168A1

    公开(公告)日：2013-07-18

    申请号：US13353277

    申请日：2012-01-18

    申请人： Haengju Lee ,  Yu-An Sun

    发明人： Haengju Lee ,  Yu-An Sun

    IPC分类号： G06Q30/08

    CPC分类号： G06Q30/08

    摘要： Methods, systems, and computer-readable media for providing an optimized change order during the post-auction period of a completed auction. After the completion of an initial auction, one or more parties to the initial auction may request a change to the terms of the initial auction agreement in the form of a change order comprising a change price and a change quantity. Prior to committing to the change order the parties may subject the terms of the change order to a change auction having a reserve price equal to the change price. If the change auction concludes with a bid that is better than the reserve price, the change order may be canceled and the original winning bidder may receive a portion of the winning bid associated with the change auction.

    摘要翻译： 方法，系统和计算机可读介质，用于在完成拍卖的拍卖后期间提供优化的变更订单。 初次拍卖完成后，初次拍卖的一方或多方可以请求以包含更改价格和变更数量的变更单的形式更改初始拍卖协议的条款。 在提交更改订单之前，各方可能会将变更单的条款视为具有与更改价格相等的保留价格的变更竞价。 如果变更拍卖以比保留价格更好的投标结束，则可以取消更改订单，并且原始中标者可以接收与变更拍卖相关联的获胜投标的一部分。

    Energy efficiency improvements in cloud-based environments
    7.
    发明授权
    Energy efficiency improvements in cloud-based environments 有权
    基于云的环境提高能效

    公开(公告)号：US08849695B2

    公开(公告)日：2014-09-30

    申请号：US13586180

    申请日：2012-08-15

    申请人： Haengju Lee ,  Gueyoung Jung ,  Tridib Mukherjee

    发明人： Haengju Lee ,  Gueyoung Jung ,  Tridib Mukherjee

    IPC分类号： G06Q30/00 ,  G06F11/34 ,  G06Q30/02

    CPC分类号： G06Q30/0207 ,  G06F11/3409 ,  G06Q30/02

    摘要： An energy efficient cloud-based environment includes multiple users requesting delivery of cloud-based services from a cloud service provider. Each user provides inputs for the delivery of one or more specific cloud based services. The inputs include the type of service, time frame for using the service, and either an energy efficiency level or a performance level pertaining to the service's delivery. The service provider allocates different resources to the users for delivering the requested services, and calculates an actual price and an operating energy cost for delivering the requested services to each of the users. The profit of the service provider due to users is calculated. An overall profit of the service provider associated with delivering the cloud-based services is calculated, and a fraction of the overall profit is distributed as an incentive among the users. The incentive of each user is proportional to the profit contribution of that user.

    摘要翻译： 基于节能的基于云的环境包括从云服务提供商那里请求提供基于云的服务的多个用户。 每个用户提供用于传送一个或多个特定的基于云的服务的输入。 输入包括服务类型，使用服务的时间范围以及与服务交付相关的能效水平或性能水平。 服务提供商向用户分配不同的资源以递送所请求的服务，并且计算用于将所请求的服务递送给每个用户的实际价格和操作能量成本。 计算由于用户而导致的服务提供商的利润。 计算与提供云服务相关的服务提供商的整体利润，并将总体利润的一小部分作为用户的激励分配。 每个用户的激励与该用户的利润贡献成正比。

    Optimal list-price mechanism design for multi-level device click-through in targeted print or electronic communication
    8.
    发明授权
    Optimal list-price mechanism design for multi-level device click-through in targeted print or electronic communication 有权
    用于多目标打印或电子通信的多级设备点击的最优列表价格机制设计

    公开(公告)号：US08571920B2

    公开(公告)日：2013-10-29

    申请号：US12897887

    申请日：2010-10-05

    申请人： Haengju Lee ,  Shanmuganathan Gnanasambandam

    发明人： Haengju Lee ,  Shanmuganathan Gnanasambandam

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/0241 ,  G06Q30/0247 ,  G06Q30/0273 ,  G06Q99/00

    摘要： A method for optimizing a price for delivering at least one communication from an advertiser to a consumer, the method including (a) defining an advertisement product with at least one parameter, (b) obtaining a demand curve for the advertisement product, (c) calculating a first profit function as a function of the demand curve, (d) determining a first price at a maximum of the first profit function, (e) determining a second price at a point on the first demand curve corresponding to a capacity of communications that can be delivered to the consumer, and (f) determining a greater of the first and second prices as an optimal price.

    摘要翻译： 一种用于优化从广告商到消费者的至少一个通信的价格的方法，所述方法包括（a）使用至少一个参数定义广告产品，（b）获得广告产品的需求曲线，（c） 计算作为所述需求曲线的函数的第一利润函数，（d）确定所述第一利润函数的最大值的第一价格，（e）在与所述通信能力相对应的所述第一需求曲线上的点上确定第二价格 可以将其交付给消费者，（f）将第一和第二价格中较大的一个确定为最优价格。