公开(公告)号：US08386377B1

公开(公告)日：2013-02-26

申请号：US12107672

申请日：2008-04-22

申请人： Shanji Xiong ,  Jianjun Xie ,  Yinghua Lin ,  Guowei Wu ,  Quan Lu ,  Stephen Coggeshall

发明人： Shanji Xiong ,  Jianjun Xie ,  Yinghua Lin ,  Guowei Wu ,  Quan Lu ,  Stephen Coggeshall

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/04 ,  G06Q20/4016 ,  G06Q40/025

摘要： A technique is provided for determining credit ratings without the need for traditional credit bureau data. In at least one embodiment of the invention, a method comprises the steps of providing a network of linked identity records, each identity record comprising identity related information; receiving an identity record comprising identity related information of the entity; linking the received identity record with at least one of the identity records in the network of linked identity records, quantifying a plurality of linked identity records related to the entity; and generating a credit rating for the entity based on the quantified identity records. Application of the invention is particularly useful for individuals with less than a few years credit behavior recorded on a credit bureau, such as immigrants or young people with limited traditional historical information (“thin file”) and individuals with no traditional historical information (“no hit”).

摘要翻译： 提供了一种用于确定信用评级的技术，而不需要传统的信用局数据。 在本发明的至少一个实施例中，一种方法包括以下步骤：提供链接的身份记录的网络，每个身份记录包括身份相关信息; 接收包含所述实体的身份相关信息的身份记录; 将所接收的身份记录与链接的身份记录的网络中的身份记录中的至少一个相关联，量化与该实体相关的多个链接的身份记录; 并根据量化的身份记录为该实体产生信用等级。 本发明的应用对于信用局记录的少于几年的信用行为的个人，例如传统历史信息有限的传统历史信息的移民或年轻人（薄文件）和没有传统历史信息的个人（无命中））特别有用。

公开(公告)号：US20070005415A1

公开(公告)日：2007-01-04

申请号：US11456534

申请日：2006-07-10

申请人： Yinghua Lin ,  Stephen Coggeshall

发明人： Yinghua Lin ,  Stephen Coggeshall

IPC分类号： G07G1/00 ,  G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q10/06375 ,  G06Q10/087 ,  G06Q10/0875 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q30/0211 ,  G06Q30/0601 ,  G06Q40/00

摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.

摘要翻译： 一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。 这个过程的结果是选择优化预期收入的营销优惠。

公开(公告)号：US06847934B1

公开(公告)日：2005-01-25

申请号：US09546949

申请日：2000-04-11

申请人： Yinghua Lin ,  Stephen Coggeshall

发明人： Yinghua Lin ,  Stephen Coggeshall

IPC分类号： G06Q10/06 ,  G06Q10/08 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/00 ,  G06F17/60

CPC分类号： G06Q30/02 ,  G06Q10/06375 ,  G06Q10/087 ,  G06Q10/0875 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q30/0211 ,  G06Q30/0601 ,  G06Q40/00

摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitabilty associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilities. The result of this process is a selection of marketing offers that optimizes expected revenues.

摘要翻译： 一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力差异和每个消费者的不同产品报价; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据各自的预期利润差异将产品报价重新分配给排序的消费者。 这个过程的结果是选择优化预期收入的营销优惠。

公开(公告)号：US07076442B2

公开(公告)日：2006-07-11

申请号：US11036649

申请日：2005-01-14

申请人： Yinghua Lin ,  Stephen Coggeshall

发明人： Yinghua Lin ,  Stephen Coggeshall

IPC分类号： G06F17/60

CPC分类号： G06Q30/02 ,  G06Q10/06375 ,  G06Q10/087 ,  G06Q10/0875 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q30/0211 ,  G06Q30/0601 ,  G06Q40/00

摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.

摘要翻译： 一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。 这个过程的结果是选择优化预期收入的营销优惠。

公开(公告)号：US07346540B2

公开(公告)日：2008-03-18

申请号：US11456534

申请日：2006-07-10

申请人： Yinghua Lin ,  Stephen Coggeshall

发明人： Yinghua Lin ,  Stephen Coggeshall

IPC分类号： G06F17/60

CPC分类号： G06Q30/02 ,  G06Q10/06375 ,  G06Q10/087 ,  G06Q10/0875 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q30/0211 ,  G06Q30/0601 ,  G06Q40/00

摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.

摘要翻译： 一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。 这个过程的结果是选择优化预期收入的营销优惠。

公开(公告)号：US20050154630A1

公开(公告)日：2005-07-14

申请号：US11036649

申请日：2005-01-14

申请人： Yinghua Lin ,  Stephen Coggeshall

发明人： Yinghua Lin ,  Stephen Coggeshall

IPC分类号： G06Q10/06 ,  G06Q10/08 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/00 ,  G06F17/60

CPC分类号： G06Q30/02 ,  G06Q10/06375 ,  G06Q10/087 ,  G06Q10/0875 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q30/0211 ,  G06Q30/0601 ,  G06Q40/00

摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.

摘要翻译： 一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。 这个过程的结果是选择优化预期收入的营销优惠。

公开(公告)号：US08600854B2

公开(公告)日：2013-12-03

申请号：US12111802

申请日：2008-04-29

申请人： Mona Mayr ,  Darcy Walker ,  Yinghua Lin ,  Guowei Wu ,  Stephen V. Coggeshall

发明人： Mona Mayr ,  Darcy Walker ,  Yinghua Lin ,  Guowei Wu ,  Stephen V. Coggeshall

IPC分类号： G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q40/00

摘要： A computerized method and system for evaluating customers of a financial institution using customer relationship value tags associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.

摘要翻译： 用于使用与客户关系价值标签相关联的客户处理动作来评估金融机构的客户的计算机化方法和系统包括使用预定义的统计模型由客户评估引擎自动分析来自金融机构的数据库的关于客户的信息，以评估 客户到金融机构。 与评估值相关联的至少一个客户处理动作由评估引擎识别，评估引擎用与表示评估值的标记和相关联的客户处理动作标记与客户相关联的文件。 标记文件随后由金融机构的其他金融系统或金融机构的客户代表进行访问，相关的客户处理行动由这些系统或代表在处理客户时实施。

公开(公告)号：US07376603B1

公开(公告)日：2008-05-20

申请号：US09135654

申请日：1998-08-18

申请人： Mona Mayr ,  Darcy Walker ,  Yinghua Lin ,  Guowei Wu ,  Stephen V. Coggeshall

发明人： Mona Mayr ,  Darcy Walker ,  Yinghua Lin ,  Guowei Wu ,  Stephen V. Coggeshall

IPC分类号： G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q40/00

摘要： A computerized method and system for evaluating customers of a financial institution using customer relationship value tags and associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.

摘要翻译： 使用客户关系价值标签和相关的客户处理动作来评估金融机构的客户的计算机化方法和系统包括使用预定义的统计模型从客户评估引擎自动分析来自金融机构的数据库的关于客户的信息，以评估价值 的客户到金融机构。 与评估值相关联的至少一个客户处理动作由评估引擎识别，评估引擎用与表示评估值的标记和相关联的客户处理动作标记与客户相关联的文件。 标记文件随后由金融机构的其他金融系统或金融机构的客户代表进行访问，相关的客户处理行动由这些系统或代表在处理客户时实施。

公开(公告)号：US20080208677A1

公开(公告)日：2008-08-28

申请号：US12111802

申请日：2008-04-29

申请人： Mona Mayr ,  Darcy Walker ,  Yinghua Lin ,  Guowei Wu ,  Stephen V. Coggeshall

发明人： Mona Mayr ,  Darcy Walker ,  Yinghua Lin ,  Guowei Wu ,  Stephen V. Coggeshall

IPC分类号： G06Q40/00 ,  G06Q10/00 ,  G06F17/30

CPC分类号： G06Q30/02 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q40/00

摘要： A computerized method and system for evaluating customers of a financial institution using customer relationship value tags associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.

摘要翻译： 用于使用与客户关系价值标签相关联的客户处理动作来评估金融机构的客户的计算机化方法和系统包括使用预定义的统计模型由客户评估引擎自动分析来自金融机构的数据库的关于客户的信息，以评估 客户到金融机构。 与评估值相关联的至少一个客户处理动作由评估引擎识别，评估引擎用与表示评估值的标记和相关联的客户处理动作标记与客户相关联的文件。 标记文件随后由金融机构的其他金融系统或金融机构的客户代表进行访问，相关的客户处理行动由这些系统或代表在处理客户时实施。