公开(公告)号：US20120072334A1

公开(公告)日：2012-03-22

申请号：US12939975

申请日：2010-11-04

申请人： Jeffrey A. Feinstein ,  Wei Jiang ,  Ryan Morrison ,  Shane De Zilwa

发明人： Jeffrey A. Feinstein ,  Wei Jiang ,  Ryan Morrison ,  Shane De Zilwa

IPC分类号： G06Q40/02

CPC分类号： G06Q40/025 ,  G06Q40/02

摘要： A request to generate a responsibility score is received that characterizes a likelihood of a change in a level of creditworthiness of an individual in response to at least one unknown financial event. Such responsibility score can provide useful insight into a consumer that is complementary to a credit score. Thereafter, a responsibility score is generated based on historical creditworthiness data for the individual using at least one predictive model. The at least one predictive model was trained using historical creditworthiness data of a plurality of consumers subjected to a plurality of financial events. In addition, the at least one predictive model associates the historical creditworthiness data of the individual with matching states for each of a plurality of pre-defined performance behaviors—with each pre-defined performance behavior having at least two corresponding states. The responsibility score can be later provided to a user (e.g., persisted, transmitted, displayed, etc.). Related apparatus, systems, techniques, and articles are also described.

摘要翻译： 收到产生责任分数的请求，其特征在于响应于至少一个未知的金融事件，个人信用级别的变化的可能性。 这样的责任分数可以为消费者提供有用的见解，这是对信用评分的补充。 此后，基于使用至少一个预测模型的个人的历史信誉数据生成责任分数。 使用经受多个金融事件的多个消费者的历史信誉数据训练至少一个预测模型。 此外，至少一个预测模型将个体的历史信誉数据与多个预定义的行为行为中的每一个的匹配状态相关联，其中每个预定义的行为行为具有至少两个相应的状态。 责任分数可以稍后提供给用户（例如，持久化，传输，显示等）。 还描述了相关装置，系统，技术和制品。

公开(公告)号：US08745136B1

公开(公告)日：2014-06-03

申请号：US13368058

申请日：2012-02-07

申请人： Ryan Morrison

发明人： Ryan Morrison

IPC分类号： G06F15/16

CPC分类号： H04L63/104 ,  G06Q50/01 ,  H04L67/1044 ,  H04L67/1059

摘要： Methods, systems, and apparatus, including computer programs for defining a first group of contacts, the first group of contacts having been specified by a first user of a social networking service and including contacts of the first user within the social networking service, each contact in the first group of contacts being associated with a first sub-group of contacts within the first group of contacts, the first group of contacts being associated with a distribution scheme for digital content provided by the first user within the social networking service, and associating, based on first input provided by the first user, one or more contacts of the first sub-group of contacts with a second sub-group of contacts within the first group of contacts, the second sub-group of contacts including contacts for which at least some digital content distributed to the first user is filtered from display to the first user.

摘要翻译： 方法，系统和装置，包括用于定义第一组联系人的计算机程序，第一组联系人已经由社交网络服务的第一用户指定并且包括社交网络服务内的第一用户的联系人，每个联系人 在第一组联系人与第一组联系人中的第一联系人组相关联的情况下，第一组联系人与由社交网络服务内的第一用户提供的数字内容的分配方案相关联，并且将关联 ，基于由所述第一用户提供的第一输入，所述第一子组触点的一个或多个触点与所述第一触点组内的第二接触子组，所述第二子组触点包括触点， 分发给第一用户的一些数字内容的最少数据从显示过滤到第一用户。