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

CPC分类号： G06Q40/02 ,  G06Q10/04 ,  G06Q20/10 ,  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。

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

CPC分类号： G06Q40/02 ,  G06Q10/04 ,  G06Q20/10 ,  G06Q40/00

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。

公开(公告)号：US20100100476A1

公开(公告)日：2010-04-22

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： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q10/04 ,  G06Q20/10 ,  G06Q40/00

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。

公开(公告)号：US08751342B2

公开(公告)日：2014-06-10

申请号：US12652554

申请日：2010-01-05

申请人： Mark Krein ,  Debashis Ghosh ,  Thayer Allison ,  Kurt Newman ,  Yanghong Shao ,  Sudeshna Banerjee ,  David Joa

发明人： Mark Krein ,  Debashis Ghosh ,  Thayer Allison ,  Kurt Newman ,  Yanghong Shao ,  Sudeshna Banerjee ,  David Joa

IPC分类号： G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q30/0204 ,  G06Q30/0259 ,  G06Q40/00

摘要： Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.

摘要翻译： 本公开的方面涉及被配置为识别潜在客户的计算机，其可以包括处理器和存储计算机可执行指令的存储器，所述计算机可执行指令在执行时使得计算机执行用于识别第一银行的潜在客户的方法，通过电子地接收关于 第一家银行，电子地接收有关第二家银行的数据。 此外，基于电子接收的数据，该方法还可以包括识别第一银行的位置，识别第二银行的位置，将第一银行的位置与第二银行的位置进行比较，确定第二银行的位置 在所述第一银行的至少一个位置的预定距离内确定所述第二银行的每个位置中的一组存款帐户中的资金量，以及确定所述第二银行的每个位置中的资金量是否大于 预定量。

公开(公告)号：US20100299250A1

公开(公告)日：2010-11-25

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

CPC分类号： G06Q40/02 ,  G06Q10/04 ,  G06Q20/10 ,  G06Q40/00

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.

公开(公告)号：US20100106638A1

公开(公告)日：2010-04-29

申请号：US12256639

申请日：2008-10-23

申请人： Thayer Allison ,  Robert Caruso ,  Sudeshna Banerjee ,  Debashis Ghosh ,  Kurt Newman ,  David Joa ,  Arun Pinto ,  Yanghong Shao

发明人： Thayer Allison ,  Robert Caruso ,  Sudeshna Banerjee ,  Debashis Ghosh ,  Kurt Newman ,  David Joa ,  Arun Pinto ,  Yanghong Shao

IPC分类号： G06Q40/00

CPC分类号： G06Q40/025 ,  G06Q30/02 ,  G06Q40/02

摘要： Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.

摘要翻译： 用于处理贷款申请的设备和方法。 该装置和方法可以涉及访问包括多个交易的金融机构客户账户; 识别属于预定交易类别的交易; 并总结交易。 摘要信息可以作为收入和费用流程报告的一部分，该报告至少部分地表征账户或申请人的特征。 金融机构代表可以查询数据库的摘要信息，并可选地根据贷款申请和汇总信息启动承销流程。

公开(公告)号：US08645264B2

公开(公告)日：2014-02-04

申请号：US12256639

申请日：2008-10-23

申请人： Thayer Allison ,  Robert Caruso ,  Sudeshna Banerjee ,  Debashis Ghosh ,  Kurt Newman ,  David Joa ,  Arun Pinto ,  Yanghong Shao

发明人： Thayer Allison ,  Robert Caruso ,  Sudeshna Banerjee ,  Debashis Ghosh ,  Kurt Newman ,  David Joa ,  Arun Pinto ,  Yanghong Shao

IPC分类号： G06Q40/00 ,  G06Q40/02

CPC分类号： G06Q40/025 ,  G06Q30/02 ,  G06Q40/02

摘要： Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.

摘要翻译： 用于处理贷款申请的设备和方法。 该装置和方法可以涉及访问包括多个交易的金融机构客户账户; 识别属于预定交易类别的交易; 并总结交易。 摘要信息可以作为收入和费用流程报告的一部分，该报告至少部分地表征账户或申请人的特征。 金融机构代表可以查询数据库的摘要信息，并可选地根据贷款申请和汇总信息启动承销流程。

公开(公告)号：US20100076904A1

公开(公告)日：2010-03-25

申请号：US12236576

申请日：2008-09-24

申请人： Debashis Ghosh ,  David Joa ,  Kurt Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark Krein

发明人： Debashis Ghosh ,  David Joa ,  Kurt Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark Krein

IPC分类号： G06Q40/00

CPC分类号： G06Q40/04 ,  G06Q10/04 ,  G06Q40/06

摘要： Apparatus and methods for providing a trading recommendation. The apparatus and methods may involve using information about events and reactions to the events. The events and the reactions may be used to identify an expected impact of the event on a market. The expected impact may be used to recommend investment vehicle trades. The methods may include receiving an information item that relates to an event; receiving a sentiment indicator corresponding to the item; assigning to the item a market impact weighting index that is at least partially based on the sentiment indicator; and, based at least partially on the market impact weighting index, selecting the trading recommendation from a database of trading recommendations.

摘要翻译： 提供交易推荐的装置和方法。 该装置和方法可以涉及使用关于事件和事件反应的信息。 事件和反应可用于确定事件对市场的预期影响。 预期的影响可能用于推荐投资车辆交易。 所述方法可以包括接收与事件相关的信息项; 接收与该项目对应的情绪指标; 向该项目分配至少部分基于情绪指标的市场影响加权指数; 并且至少部分地基于市场影响权重指数，从交易建议的数据库中选择交易建议。

公开(公告)号：US08073732B1

公开(公告)日：2011-12-06

申请号：US12170961

申请日：2008-07-10

申请人： Debashis Ghosh ,  Thayer Allison ,  Sudeshna Banerjee ,  David Joa ,  Mark Krein ,  Kurt Newman

发明人： Debashis Ghosh ,  Thayer Allison ,  Sudeshna Banerjee ,  David Joa ,  Mark Krein ,  Kurt Newman

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q30/00 ,  G06Q30/0225

摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing a customer network in which customers are incentivized to “opt-in” to a marketing program. For example, the invention builds a network of customers, collects and stores customers' demographic information, compiles mailing lists based on list purchasers' requested demographic criteria, sells the compiled mailing lists to list purchasers, and compensates those customers included on the mailing lists.

摘要翻译： 本发明的实施例涉及用于提供客户网络的系统，方法和计算机程序产品，其中客户被激励以“选择加入”营销计划。 例如，本发明构建了客户网络，收集和存储客户的人口统计信息，根据列表购买者所要求的人口统计标准编制邮件列表，将编辑的邮件列表出售给列表购买者，并对包含在邮寄名单中的那些客户进行补偿。

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

IPC分类号： G06Q10/00 ,  G06F17/30 ,  G06F17/40 ,  G06Q30/00 ,  G06Q40/00 ,  G06Q20/00

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。