Transaction data analysis
    4.
    发明授权

    公开(公告)号:US11164089B2

    公开(公告)日:2021-11-02

    申请号:US14880721

    申请日:2015-10-12

    Abstract: Embodiments include predicting transactions by an entity and identifying promotions to offer the entity. Aspects include parsing a plurality of event records corresponding to a plurality of entities respectively. Aspects also include identifying a sequence of events corresponding to the entity and discretizing time durations and event values of the sequence of events into discrete symbolic values. Aspects further include generating a temporal pattern of events in the sequence of events, the temporal pattern including a sequence of transaction-symbols representative of the time duration and the event value of the events in the sequence of events of the entity and predicting a next transaction based on the temporal pattern.

    POST-LENDING CREDIT MANAGEMENT
    5.
    发明申请

    公开(公告)号:US20170193598A1

    公开(公告)日:2017-07-06

    申请号:US14985663

    申请日:2015-12-31

    CPC classification number: G06Q40/025

    Abstract: An aspect of post-lending credit management includes collecting data associated with events for a plurality of clients, serializing the data by time stamp and value to produce a client-based time series of the events, and performing feature generalization for the time series. Feature generation includes grouping the client-based time series according to a selected feature to produce feature-based time series, defining a feature-based default burst and a threshold value for the feature-based time series, identifying a point in time on the feature-based time series when the feature-based default burst reaches the threshold value, determining a cause and effect relationship between default events occurring across the plurality of feature-based time series from the feature-based default burst, and outputting feature-based default rules from the corresponding cause and effect relationship. An aspect also includes predicting an occurrence of a default event and time for a particular client from results of the feature generalization.

    CONFERENCING BASED ON PORTABLE MULTIFUNCTION DEVICES
    8.
    发明申请
    CONFERENCING BASED ON PORTABLE MULTIFUNCTION DEVICES 有权
    基于便携式多功能设备的会议

    公开(公告)号:US20160308929A1

    公开(公告)日:2016-10-20

    申请号:US14689069

    申请日:2015-04-17

    CPC classification number: H04L65/605 H04L65/403 H04L65/80

    Abstract: A computer receives a first audio signal that is acquired by a first user device used by a first user in a conference and a second audio signal that is acquired by a second user device used by a second user in the conference. The computer processes the first audio signal based on the second audio signal to improve quality of the first audio signal, and sends the processed first audio signal to the conference.

    Abstract translation: 计算机接收由会议中的第一用户使用的第一用户设备获取的第一音频信号和由会议中由第二用户使用的第二用户设备获取的第二音频信号。 计算机基于第二音频信号处理第一音频信号以提高第一音频信号的质量,并将处理的第一音频信号发送到会议。

    Transaction data analysis
    9.
    发明授权

    公开(公告)号:US11157820B2

    公开(公告)日:2021-10-26

    申请号:US14954651

    申请日:2015-11-30

    Abstract: Embodiments include predicting transactions by an entity and identifying promotions to offer the entity. Aspects include parsing a plurality of event records corresponding to a plurality of entities respectively. Aspects also include identifying a sequence of events corresponding to the entity and discretizing time intervals and event values of the sequence of events into discrete symbolic values. Aspects further include generating a temporal pattern of events in the sequence of events, the temporal pattern including a sequence of transaction-symbols representative of the time interval and the event value of the events in the sequence of events of the entity and predicting a next transaction based on the temporal pattern.

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