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公开(公告)号:US08571954B2
公开(公告)日:2013-10-29
申请号:US12885905
申请日:2010-09-20
申请人: Michael J. Leary , Brian David King , Jeffrey Roger Walls , Keith Carlascio , Scott D'Allaird , William Anthony Nobili , Diana L. Imrie
发明人: Michael J. Leary , Brian David King , Jeffrey Roger Walls , Keith Carlascio , Scott D'Allaird , William Anthony Nobili , Diana L. Imrie
IPC分类号: G06Q40/00
摘要: According to one embodiment of the present invention, a method comprises receiving a request to aggregate data associated with a customer. The method determines a first identifier associated with the customer that identifies the customer and a second identifier that identifies a household associated with the customer. Data associated with the second identifier is aggregated and communicated in response to the request.
摘要翻译: 根据本发明的一个实施例,一种方法包括接收与客户相关联的数据的聚合请求。 该方法确定与客户相关联的识别客户的第一标识符和识别与客户相关联的家庭的第二标识符。 与第二标识符相关联的数据被响应于该请求进行聚合和通信。
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公开(公告)号:US20120072324A1
公开(公告)日:2012-03-22
申请号:US12885905
申请日:2010-09-20
申请人: Michael J. Leary , Brian David King , Jeffrey Roger Walls , Keith Carlascio , Scott D'Allaird , William Anthony Nobili , Diana L. Imrie
发明人: Michael J. Leary , Brian David King , Jeffrey Roger Walls , Keith Carlascio , Scott D'Allaird , William Anthony Nobili , Diana L. Imrie
IPC分类号: G06Q40/00
摘要: According to one embodiment of the present invention, a method comprises receiving a request to aggregate data associated with a customer. The method determines a first identifier associated with the customer that identifies the customer and a second identifier that identifies a household associated with the customer. Data associated with the second identifier is aggregated and communicated in response to the request.
摘要翻译: 根据本发明的一个实施例,一种方法包括接收与客户相关联的数据的聚合请求。 该方法确定与客户相关联的识别客户的第一标识符和识别与客户相关联的家庭的第二标识符。 与第二标识符相关联的数据被响应于该请求进行聚合和通信。
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公开(公告)号:US08423454B2
公开(公告)日:2013-04-16
申请号:US13344709
申请日:2012-01-06
申请人: Jie Chen , Timothy John Breault , Fernando Cela Diaz , William Anthony Nobili , Sandi Setiawan , Harsh Singhal , Agus Sudjianto , Andrea Renee Turner , Bradford Timothy Winkelman
发明人: Jie Chen , Timothy John Breault , Fernando Cela Diaz , William Anthony Nobili , Sandi Setiawan , Harsh Singhal , Agus Sudjianto , Andrea Renee Turner , Bradford Timothy Winkelman
IPC分类号: G06Q40/00
CPC分类号: G06Q10/067 , G06Q40/00
摘要: Embodiments of the present invention relate to methods and apparatuses for determining leading indicators and/or for modeling one or more time series. For example, in some embodiments, a method is provided that includes: (a) receiving first data indicating the value of a total income amount for a plurality of consumers over a period of time; (b) receiving second data indicating the value of a total debt amount for a plurality of consumers over a period of time; (c) selecting a consumer leverage time series that compares the total income amount to the total debt amount over a period of time; (d) modeling the consumer leverage time series based at least partially on the first and second data; (e) determining, using a processor, the value of the cycle component for a particular time; and (f) outputting an indication of the value of the cycle component for the particular time.
摘要翻译: 本发明的实施例涉及用于确定前导指示符和/或建模一个或多个时间序列的方法和装置。 例如,在一些实施例中,提供了一种方法,其包括:(a)在一段时间内接收指示多个消费者的总收入金额的值的第一数据; (b)在一段时间内接收表示多个消费者的总债务金额的第二数据; (c)选择消费者杠杆时间序列,将总收入与一段时间内的债务总额进行比较; (d)至少部分地基于第一和第二数据对消费者杠杆时间序列进行建模; (e)使用处理器确定特定时间的周期分量的值; 和(f)输出特定时间的循环分量的值的指示。
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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:US20120173399A1
公开(公告)日:2012-07-05
申请号:US13344709
申请日:2012-01-06
申请人: Jie Chen , Timothy John Breault , Fernando Cela Diaz , William Anthony Nobili , Sandi Setiawan , Harsh Singhal , Agus Sudjianto , Andrea Renee Turner , Bradford Timothy Winkelman
发明人: Jie Chen , Timothy John Breault , Fernando Cela Diaz , William Anthony Nobili , Sandi Setiawan , Harsh Singhal , Agus Sudjianto , Andrea Renee Turner , Bradford Timothy Winkelman
CPC分类号: G06Q10/067 , G06Q40/00
摘要: Embodiments of the present invention relate to methods and apparatuses for determining leading indicators and/or for modeling one or more time series. For example, in some embodiments, a method is provided that includes: (a) receiving first data indicating the value of a total income amount for a plurality of consumers over a period of time; (b) receiving second data indicating the value of a total debt amount for a plurality of consumers over a period of time; (c) selecting a consumer leverage time series that compares the total income amount to the total debt amount over a period of time; (d) modeling the consumer leverage time series based at least partially on the first and second data; (e) determining, using a processor, the value of the cycle component for a particular time; and (f) outputting an indication of the value of the cycle component for the particular time.
摘要翻译: 本发明的实施例涉及用于确定前导指示符和/或建模一个或多个时间序列的方法和装置。 例如,在一些实施例中,提供了一种方法,其包括:(a)在一段时间内接收指示多个消费者的总收入金额的值的第一数据; (b)在一段时间内接收表示多个消费者的总债务金额的第二数据; (c)选择消费者杠杆时间序列,将总收入与一段时间内的债务总额进行比较; (d)至少部分地基于第一和第二数据对消费者杠杆时间序列进行建模; (e)使用处理器确定特定时间的周期分量的值; 和(f)输出特定时间的循环分量的值的指示。
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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: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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