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    Identifying potential customers using payment information
    6.
    发明授权
    Identifying potential customers using payment information 有权
    使用付款信息识别潜在客户

    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。

    CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT
    8.
    发明申请
    CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT 审中-公开
    客户定义的账户管理规则，用于改进链接的财务机构账户管理

    公开(公告)号：US20100274687A1

    公开(公告)日：2010-10-28

    申请号：US12430612

    申请日：2009-04-27

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

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

    IPC分类号： G06Q40/00 ,  G06N5/02 ,  G06Q10/00

    CPC分类号： G06Q20/227 ,  G06Q20/10 ,  G06Q40/02 ,  G06Q40/12

    摘要： Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to an overdraft. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures.

    摘要翻译： 提供系统，方法和计算机程序产品，用于与关联的金融机构帐户相关联的客户定义的金融机构帐户管理规则。 本文描述的方法，系统和计算机程序产品允许客户定义使客户的回报率最大化和/或最小化导致透支帐户的资金不足的可能性的规则。 因此，根据客户定义的规则，将资金自动转移到较高的回报率账户，从而最大限度地减少了非利息账户或低利息账户过剩余额的现金利用不足。 另外，管理主要支付账户（例如支票或账单账户）被处理，以确保资金足以支付客户的支出。

    IDENTITY DATABASE BUREAU
    9.
    发明申请
    IDENTITY DATABASE BUREAU 有权

    公开(公告)号：US20100169386A1

    公开(公告)日：2010-07-01

    申请号：US12344858

    申请日：2008-12-29

    申请人： Debashis Ghosh ,  Michael O'Hagan ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

    发明人： Debashis Ghosh ,  Michael O'Hagan ,  David Joa ,  Kurt D. Newman ,  Thayer Allison ,  Sudeshna Banerjee ,  Mark V. Krein

    IPC分类号： G06F17/30 ,  G06F7/00

    CPC分类号： G07C9/00158

    摘要： Systems and methods for making biometric data susceptible to use in locating individuals and tracking the location of individuals over time are provided. The system may involve the collection of initial biometric data, including iris scans, and corresponding identification information, the entry of such data into a database, and then the further collection of biometric data associated with locational information and entry of that data into a database correlating to the first database.

    摘要翻译： 提供了用于使生物特征数据易于用于定位个体并跟踪个体随时间的位置的系统和方法。 该系统可以涉及初始生物特征数据的收集，包括虹膜扫描和相应的识别信息，将这些数据输入到数据库中，然后进一步收集与位置信息相关联的生物特征数据，并将该数据输入数据库相关联 到第一个数据库。

    BANK CARD AUTHORIZATION WITH BALANCE INDICATOR
    10.
    发明申请
    BANK CARD AUTHORIZATION WITH BALANCE INDICATOR 有权
    银行卡授权与平衡指标

    公开(公告)号：US20100114724A1

    公开(公告)日：2010-05-06

    申请号：US12261970

    申请日：2008-10-30

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

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

    IPC分类号： G06Q20/00 ,  G06Q40/00

    CPC分类号： G06Q20/10 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q20/40 ,  G06Q40/00

    摘要： Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.

    摘要翻译： 提供系统，方法和计算机程序产品，以便在使用信用卡或借记帐户进行交易（如购买交易）之后向消费者提供关于消费者信用卡或借记帐户余额的信息。 在一个实施例中，当授权购买交易时，发行银行将表示消费者信用或借记帐户余额的数字和/或关于余额的其他信息附加到授权代码，使得当供应商向消费者提供购买收据 在收据上具有授权码，余额信息将自动包含在带有授权码的收据上。 以这种方式，消费者可以通过了解每个信用卡或借记卡购买之后消费者的信用卡和/或借记帐户和/或其他余额信息的总余额来跟踪支出。