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    CARBON FOOTPRINT DETERMINATIONS
    3.
    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

    Bank card authorization with balance indicator
    5.
    发明授权
    Bank card authorization with balance indicator 有权
    银行卡授权与余额指示

    公开(公告)号：US08682785B2

    公开(公告)日：2014-03-25

    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： G06F21/00 ,  G06Q20/10

    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。

    Identity database bureau
    6.
    发明授权
    Identity database bureau 有权
    身份数据库局

    公开(公告)号：US08200708B2

    公开(公告)日：2012-06-12

    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： G06F7/00 ,  G06F17/30

    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人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。

    CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT
    7.
    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
    8.
    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
    9.
    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。

    Apparatus and methods for facts based trading
    10.
    发明授权
    Apparatus and methods for facts based trading 有权
    基于事实的交易的设备和方法

    公开(公告)号：US08566217B2

    公开(公告)日：2013-10-22

    申请号：US12236576

    申请日：2008-09-24

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

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

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/04 ,  G06Q10/04 ,  G06Q40/06

    摘要： Apparatus and methods for providing a trading recommendation. The apparatus and methods may involve using information about events and reactions to the events. The events and the reactions may be used to identify an expected impact of the event on a market. The expected impact may be used to recommend investment vehicle trades. The methods may include receiving an information item that relates to an event; receiving a sentiment indicator corresponding to the item; assigning to the item a market impact weighting index that is at least partially based on the sentiment indicator; and, based at least partially on the market impact weighting index, selecting the trading recommendation from a database of trading recommendations.

    摘要翻译： 提供交易推荐的装置和方法。 该装置和方法可以涉及使用关于事件和事件反应的信息。 事件和反应可用于确定事件对市场的预期影响。 预期的影响可能用于推荐投资车辆交易。 所述方法可以包括接收与事件相关的信息项; 接收与该项目对应的情绪指标; 向该项目分配至少部分基于情绪指标的市场影响加权指数; 并且至少部分地基于市场影响权重指数，从交易建议的数据库中选择交易建议。