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    CARBON FOOTPRINT DETERMINATIONS
    1.
    发明申请
    CARBON FOOTPRINT DETERMINATIONS 审中-公开
    碳质量测定

    公开(公告)号：US20110213690A1

    公开(公告)日：2011-09-01

    申请号：US12713618

    申请日：2010-02-26

    申请人： Debashis Ghosh ,  Sudeshna Banerjee ,  Mark V. Krein ,  Sreedevi Gummuluri ,  Thayer S. Allison, JR. ,  David Joa ,  Kurt D. Newman ,  Yanghong Shao ,  Timothy Bendel

    发明人： Debashis Ghosh ,  Sudeshna Banerjee ,  Mark V. Krein ,  Sreedevi Gummuluri ,  Thayer S. Allison, JR. ,  David Joa ,  Kurt D. Newman ,  Yanghong Shao ,  Timothy Bendel

    IPC分类号： G06Q99/00 ,  G06Q50/00 ,  G06Q40/00

    CPC分类号： G06Q30/02 ,  G06Q30/018 ,  G06Q40/04

    摘要： Described herein are various apparatuses, methods, and computer program products for providing a carbon-footprint modeling environment that determines a consumer's carbon footprint based on the consumer's acquisition of goods and/or services, as indicated by the consumer's transaction data. For example, the carbon-footprint modeling environment collects the consumer's transaction data for a predefined period of time and identifies transaction data that indicates the consumer's acquisition of goods and/or services that, when produced and/or consumed, result in greenhouse gas emissions. According to some embodiments, the carbon-footprint modeling environment categorizes goods and/or services into, for example, the following categories: transportation, housing, food, waste, and miscellaneous. Based on information gleaned from the consumer's transaction data, the modeling environment may determine the quantities of goods and services the consumer consumed in each of the categories and then apply conversion ratios to convert the respective quantities of goods and/or services consumed into units of greenhouse gas emissions.

    摘要翻译： 这里描述的是用于提供碳足迹建模环境的各种装置，方法和计算机程序产品，其根据消费者的交易数据所指示的消费者对货物和/或服务的获取来确定消费者的碳足迹。 例如，碳足迹建模环境在预定义的时间段内收集消费者的交易数据，并且识别指示消费者购买在生产和/或消费时产生温室气体排放的商品和/或服务的交易数据。 根据一些实施例，碳足迹建模环境将商品和/或服务分类为例如以下类别：运输，住房，食品，废物和杂项。 根据消费者交易数据收集的信息，建模环境可以确定消费者在每个类别中消费的商品和服务的数量，然后应用转化率将各种消费的商品和/或服务数量转换为温室单位 气体排放

    Detecting credit misuse
    2.
    发明授权
    Detecting credit misuse 有权
    检测信用滥用

    公开(公告)号：US08504469B2

    公开(公告)日：2013-08-06

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/00 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/00 ,  G06Q40/12

    摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.

    摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

    DETECTING CREDIT MISUSE
    3.
    发明申请
    DETECTING CREDIT MISUSE 有权
    检测信用错误

    公开(公告)号：US20110202436A1

    公开(公告)日：2011-08-18

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    IPC分类号： G06Q10/00 ,  G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/00 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/00 ,  G06Q40/12

    摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.

    摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

    MOBILE COMMERCE SYSTEM
    5.
    发明申请
    MOBILE COMMERCE SYSTEM 审中-公开
    移动商务系统

    公开(公告)号：US20110270618A1

    公开(公告)日：2011-11-03

    申请号：US12770947

    申请日：2010-04-30

    申请人： Sudeshna Banerjee ,  Thayer S. Allison, JR. ,  Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Hemant Kagade ,  Yanghong Shao

    发明人： Sudeshna Banerjee ,  Thayer S. Allison, JR. ,  Debashis Ghosh ,  David Joa ,  Kurt D. Newman ,  Hemant Kagade ,  Yanghong Shao

    IPC分类号： G06Q30/00 ,  G01S19/51

    CPC分类号： G06Q40/02 ,  G06Q30/02

    摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing targeted product offers to a consumer's mobile device based on the consumer's current location, location history, transaction history, and purchase thresholds. Embodiments of the invention are also directed to systems, methods, and computer program products for obtaining feedback from the consumer in relation to an offer and providing a modified offer based on the feedback. In one embodiment, the feedback is a determination that a consumer is not interested in a merchant offer based on the consumer's substantially real-time location information and transaction information.

    摘要翻译： 本发明的实施例涉及用于基于消费者的当前位置，位置历史，交易历史和购买阈值向消费者的移动设备提供目标产品提供的系统，方法和计算机程序产品。 本发明的实施例还涉及系统，方法和计算机程序产品，用于从报价中获得有关报价的反馈并根据反馈提供修改的报价。 在一个实施例中，反馈是消费者基于消费者基本上实时的位置信息和交易信息对商家报价不感兴趣的确定。

    Lateness migration model
    10.
    发明授权
    Lateness migration model 有权
    延迟迁移模型

    公开(公告)号：US08527403B2

    公开(公告)日：2013-09-03

    申请号：US12692412

    申请日：2010-01-22

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

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

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q30/02 ,  G06Q30/0202 ,  G06Q40/025

    摘要： In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods. In one embodiment, the systems, methods, and computer program products are configured to predict lateness characteristics of a lending portfolio.

    摘要翻译： 一般来说，本发明的实施例涉及用于预测人口迁移和分析影响迁移的程序的系统，方法和计算机程序产品。 例如，提供了具有存储装置的装置，其中存储有人口信息和多个迁移因子。 人口信息包括关于多个分类中的人口分布的信息。 多个迁移因子中的每一个对应于多个分类的特定分类，并且指示特定分类的群体成员如何在特定时间段内迁移到其他分类。 该设备还包括可通信地耦合到存储器设备并且被配置为使用迁移因子和群体信息来预测多个时间段中的多个分类中的每一个上的人口分布的变化的处理器。 在一个实施例中，系统，方法和计算机程序产品被配置为预测贷款组合的延迟特性。