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公开(公告)号：US09727868B2
公开(公告)日：2017-08-08
申请号：US12773765
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q30/02 , G06Q20/40 , G06Q10/06 , G06Q40/00 , G06F17/30 , G06Q20/32 , G06Q30/00 , G06Q10/04
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods for determining incentives based on consumer history. When, how, and to whom incentives are sent can be determined. For example, an incentive can be sent to a consumer to encourage a transaction at a time when the particular consumer is predisposed to initiate the transaction. Also, an incentive for a transaction can be sent to a consumer when that transaction has a high likelihood of leading to other transactions. An incentive can also be sent after a consumer initiates a transaction that is known to not have many subsequent transaction correlated to it.
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公开(公告)号：US20100280927A1
公开(公告)日：2010-11-04
申请号：US12773763
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
发明人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods are provided for efficiently authorizing a transaction initiated by a consumer. An authorization can be generated before the consumer actually initiates the transaction. For example, a future transaction can be predicted, and an authorization can be generated for the predicted transaction. In this manner, the authorization can be ready and quickly used when the consumer does initiate the transaction. Previous transactions made by the consumer can be used to predict when the future transaction is likely. In various examples, the authorization can be sent to a specific merchant or to the consumer for use when the consumer initiates the predicted transaction, or saved by an authorization server for use in response to an authorization request from the merchant.
摘要翻译： 提供了系统，装置和方法以有效地授权由消费者发起的交易。 在消费者实际启动交易之前，可以生成授权。 例如，可以预测未来的事务，并且可以为预测的事务生成授权。 以这种方式，当消费者确实启动交易时，可以准备好并快速使用授权。 消费者以前的交易可以用于预测未来交易何时可能。 在各种示例中，当消费者启动预测的交易或由授权服务器保存以响应商家的授权请求使用时，授权可以被发送到特定商家或消费者使用。
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公开(公告)号：US09489674B2
公开(公告)日：2016-11-08
申请号：US12773770
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Methods, apparatus, and systems are provided for tracking and analyzing data of consumer activity. The tracked data can be organized (e.g. as stored in cache, RAM, hard drives) in certain types of tables, where the tables can be associated with certain tags (keys) for efficiently accessing the data. The organization and associations of the data can also provide simple mechanisms for manipulating the data to obtain results specifically relevant for a task, such as detection of fraud or prediction of consumer behavior to provide better customer service or new services. For example, the tables may contain counters that store the number of times that two correlated consumer events occur within specific time intervals of each other. Such time data can provide efficient determination of patterns of consumer activity.
摘要翻译： 提供了方法，装置和系统来跟踪和分析消费者活动的数据。 跟踪的数据可以在特定类型的表中被组织（例如，存储在高速缓存，RAM，硬盘驱动器中），其中表可以与用于有效访问数据的某些标签（键）相关联。 数据的组织和关联也可以提供操纵数据以获得与任务特别相关的结果的简单机制，例如检测欺诈或预测消费者行为以提供更好的客户服务或新服务。 例如，表可以包含存储两个相关消费者事件在彼此的特定时间间隔内发生的次数的计数器。 这样的时间数据可以有效地确定消费者活动的模式。
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4.发明申请公开(公告)号：US20100280881A1
公开(公告)日：2010-11-04
申请号：US12773766
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel , Zhongxiao Jiang
发明人： Patrick Faith , Kevin P. Siegel , Zhongxiao Jiang
摘要： Systems, apparatus, and methods for determining groups of similar consumers and for identifying a trend in consumer behavior are provided. Likelihoods of a transaction being initiated at various times by one consumer can be calculated based on previous transactions of the consumer. The likelihoods for different consumers can be used to determine a group of similar consumers as a demographic. The likelihoods of a transaction being initiated at various times by a consumer of a demographic (or other entity) can be used to forecast trends (such as a demand for a product) and make business decisions, such as for marketing campaigns, inventory levels (e.g. at particular stores or for all stores), pricing, and store locations. Such likelihoods when focused to a particular category of transactions can provide even greater accuracy.
摘要翻译： 提供了用于确定类似消费者群体并识别消费者行为趋势的系统，装置和方法。 可以根据消费者的先前交易来计算在一个消费者的不同时间发起的交易的可能性。 不同消费者的可能性可用于确定一组类似消费者的人口。 消费者可以使用人口统计（或其他实体）在不同时间启动交易的可能性来预测趋势（例如对产品的需求），并做出业务决策，例如营销活动，库存水平（ 例如在特定商店或所有商店），定价和商店位置。 当专注于特定类别的交易时，这种可能性可以提供更高的准确性。
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公开(公告)号：US20170300940A1
公开(公告)日：2017-10-19
申请号：US15635543
申请日：2017-06-28
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q30/02
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods for determining incentives based on consumer history. When, how, and to whom incentives are sent can be determined. For example, an incentive can be sent to a consumer to encourage a transaction at a time when the particular consumer is predisposed to initiate the transaction. Also, an incentive for a transaction can be sent to a consumer when that transaction has a high likelihood of leading to other transactions. An incentive can also be sent after a consumer initiates a transaction that is known to not have many subsequent transaction correlated to it.
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公开(公告)号：US08352315B2
公开(公告)日：2013-01-08
申请号：US12773763
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
发明人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods are provided for efficiently authorizing a transaction initiated by a consumer. An authorization can be generated before the consumer actually initiates the transaction. For example, a future transaction can be predicted, and an authorization can be generated for the predicted transaction. In this manner, the authorization can be ready and quickly used when the consumer does initiate the transaction. Previous transactions made by the consumer can be used to predict when the future transaction is likely. In various examples, the authorization can be sent to a specific merchant or to the consumer for use when the consumer initiates the predicted transaction, or saved by an authorization server for use in response to an authorization request from the merchant.
摘要翻译： 提供了系统，装置和方法以有效地授权由消费者发起的交易。 在消费者实际启动交易之前，可以生成授权。 例如，可以预测未来的事务，并且可以为预测的事务生成授权。 以这种方式，当消费者确实启动交易时，可以准备好并快速使用授权。 消费者以前的交易可以用于预测未来交易何时可能。 在各种示例中，当消费者启动预测的交易或由授权服务器保存以响应商家的授权请求使用时，授权可以被发送到特定商家或消费者使用。
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公开(公告)号：US20100280950A1
公开(公告)日：2010-11-04
申请号：US12773767
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q40/00
摘要： Systems, apparatus, and methods for authorizing a transaction initiated by a consumer are provided. A likelihood function can approximate a pattern of previous transactions and provide a measure of how likely it is for a transaction to occur as a function of time. The time of a current transaction can be used to determine a corresponding likelihood value of a likelihood function associated with the transaction. The likelihood value can then be used to determine a score for authorizing the transaction. As the likelihood corresponds to a particular time of a pattern, the score can be tailored to the current transaction and achieve greater accuracy.
摘要翻译： 提供了用于授权由消费者发起的交易的系统，装置和方法。 似然函数可以近似先前交易的模式，并提供衡量交易作为时间的函数发生的可能性。 可以使用当前事务的时间来确定与事务相关联的似然函数的对应似然值。 然后，可能性值可用于确定授权交易的分数。 由于可能性对应于模式的特定时间，因此可以根据当前事务量化分数并实现更高的准确性。
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公开(公告)号：US20100280882A1
公开(公告)日：2010-11-04
申请号：US12773770
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q10/00
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Methods, apparatus, and systems are provided for tracking and analyzing data of consumer activity. The tracked data can be organized (e.g. as stored in cache, RAM, hard drives) in certain types of tables, where the tables can be associated with certain tags (keys) for efficiently accessing the data. The organization and associations of the data can also provide simple mechanisms for manipulating the data to obtain results specifically relevant for a task, such as detection of fraud or prediction of consumer behavior to provide better customer service or new services. For example, the tables may contain counters that store the number of times that two correlated consumer events occur within specific time intervals of each other. Such time data can provide efficient determination of patterns of consumer activity.
摘要翻译： 提供了方法，装置和系统来跟踪和分析消费者活动的数据。 跟踪的数据可以在特定类型的表中被组织（例如，存储在高速缓存，RAM，硬盘驱动器中），其中表可以与用于有效访问数据的某些标签（键）相关联。 数据的组织和关联也可以提供操纵数据以获得与任务特别相关的结果的简单机制，例如检测欺诈或预测消费者行为以提供更好的客户服务或新服务。 例如，表可以包含存储两个相关消费者事件在彼此的特定时间间隔内发生的次数的计数器。 这样的时间数据可以有效地确定消费者活动的模式。
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公开(公告)号：US20170345005A1
公开(公告)日：2017-11-30
申请号：US15681195
申请日：2017-08-18
申请人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
发明人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
摘要： Systems, apparatus, and methods are provided for efficiently authorizing a transaction initiated by a consumer. An authorization can be generated before the consumer actually initiates the transaction. For example, a future transaction can be predicted, and an authorization can be generated for the predicted transaction. In this manner, the authorization can be ready and quickly used when the consumer does initiate the transaction. Previous transactions made by the consumer can be used to predict when the future transaction is likely. In various examples, the authorization can be sent to a specific merchant or to the consumer for use when the consumer initiates the predicted transaction, or saved by an authorization server for use in response to an authorization request from the merchant.
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公开(公告)号：US09348896B2
公开(公告)日：2016-05-24
申请号：US13706226
申请日：2012-12-05
CPC分类号： G06F17/30696 , G06Q20/40 , G06Q20/4016
摘要： Embodiments of the invention is directed to a dynamic network analytics system capable of receiving and analyzing queries sent in data messages from data requesters. The queries contain a request from the data requester as to a risk level associated with an interaction conducted by a user. The dynamic network analytics system can determine an optimized process for determining the risk level of the interaction, based on an analysis of past interactions by the user and past interactions by users similar to the user. The dynamic network analytics system can retrieve data from internal and external data sources to generate a response to the query. The dynamic network analytics system conducts the optimized process and uses the retrieved data to generate risk assessments and risk scores in response to the query from the data requester.
摘要翻译： 本发明的实施例涉及能够接收和分析从数据请求者发送的数据消息中的查询的动态网络分析系统。 这些查询包含来自数据请求者的关于与由用户进行的交互相关联的风险级别的请求。 动态网络分析系统可以基于用户对过去交互的分析以及与用户类似的用户的过去交互来确定用于确定交互的风险水平的优化过程。 动态网络分析系统可以从内部和外部数据源检索数据，以生成对查询的响应。 动态网络分析系统进行优化的过程，并使用检索到的数据来响应来自数据请求者的查询来生成风险评估和风险分数。
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