公开(公告)号：WO01009746A1

公开(公告)日：2001-02-08

申请号：PCT/US2000/020207

申请日：2000-07-25

IPC: G06Q30/00 ,  G06F17/00 ,  G06F15/02 ,  G06F157/00 ,  G06F159/00 ,  H04H1/00

CPC classification number: G06Q30/02

Abstract: Computer implemented processes and software products generates profiles of entities (302, 304), such as providers, clients, merchants and customers, and entities comprising interacting pairs of entities (306). The processes including deriving direct profiles from transaction data pertaining to an entity and enhancing the profile of one entity (308) using the profile of another entity (304). Parallel and serial applications of the derive and enhance processes on various individual and multiple entities yields enhanced profiles that powerfully describe the interactions and relationship of the entities to each other, and between their members.

Abstract translation: 计算机实现的过程和软件产品生成实体（302,304）的简档，诸如提供商，客户端，商家和客户以及包括实体对交互对的实体（306）。 所述过程包括从涉及实体的事务数据导出直接简档，并使用另一个实体（304）的简档来增强一个实体（308）的简档。 衍生和增强过程在各种单个和多个实体上的并行和连续应用产生增强的概况，强大地描述实体彼此之间以及它们之间的交互和关系。

公开(公告)号：WO0008567A9

公开(公告)日：2000-08-03

申请号：PCT/US9917709

申请日：1999-08-03

Applicant: UNIV COLUMBIA

Inventor： CHICHILNISKY GRACIELA

IPC: G06Q40/00 ,  G06F15/20 ,  G06F17/60 ,  G06F155/00 ,  G06F157/00 ,  G06F15/21 ,  G06F15/40

CPC classification number: G06Q40/08

Abstract: Where frequency and severity of risks, e.g. of catastrophic risks are unknown, as is the case, e.g., for environmental risks, health risks, nuclear reactor risks, and satellite risks, ordinary insurance contracts on occasion are likely to result in claims which an insurer cannot cover. For efficient allocation of risk bearing, an insurance contract is combined or "bundled" with a derivative security. Insurance is contingent on the frequency of the insured event as observed, and the derivative security has a payoff which depends on that frequency. Thus, the derivative security is a contract which is contingent on an index established as a standardized measure of a risk, e.g. of environmental conditions such as El Niño versus La Niña, and/or temperature measures such as heating degree days (HDD), cooling degree days (CDD) and/or precipitation measures in a specific geographic region and during a specified time period.

Abstract translation: 风险的频率和严重程度，例如 灾难性风险是未知的，例如环境风险，健康风险，核反应堆风险和卫星风险，普通保险合同有时可能导致保险公司无法承担的索赔。 为了有效分配风险承担，将保险合同与衍生证券组合或“捆绑”。 保险取决于所保险事件的频率，衍生证券的收益取决于该频率。 因此，衍生证券是一种合同，取决于作为风险的标准化度量确定的指数，例如 环境条件如厄尔尼诺和拉尼娜之间，和/或在特定时间段内的特定地理区域的加热度日（HDD），冷却度日（CDD）和/或降水措施的温度测量。

公开(公告)号：WO00026843A1

公开(公告)日：2000-05-11

申请号：PCT/US1999/026254

申请日：1999-11-05

IPC: G06Q40/00 ,  G06F157/00

CPC classification number: G06Q40/02

Abstract: A method for evaluating financial plans includes the steps of defining personal information (102) and account properties (104) and opening balances of each account (108). The opening balances represent the actual present values of the accounts. A planned contribution of each account (110) and planned retirement distributions (112) and withdrawal information (116) are then defined by the user. Allocations of assets by categories (120) and tax information (122) are provided by the user. The performance in a predetermined initial value of investment over a selected time period is then calculated based on changes in value over a first historical data, separately for each asset allocation and tax status (126) to obtain a changed investment value. The changed investment value is updated based on a second time interval to obtain a further changed investment value. The investment value is then adjusted based on at least one of a contribution amount and a withdrawal amount.

Abstract translation: 评估财务计划的方法包括定义个人信息（102）和账户属性（104）以及每个账户的期初余额（108）的步骤。 期初余额代表账目的实际现值。 然后由用户定义每个帐户（110）和计划退休分配（112）和提款信息（116）的计划贡献。 按类别分配资产（120）和税务信息（122）由用户提供。 然后，基于对于每个资产分配和税收状态（126）分别针对第一历史数据的价值变化来计算在所选择的时间段内预定的投资初始投资的表现以获得改变的投资价值。 基于第二时间间隔来更新改变的投资值，以获得进一步改变的投资值。 然后，基于贡献量和退出量中的至少一个来调整投资价值。

公开(公告)号：WO99048036A1

公开(公告)日：1999-09-23

申请号：PCT/US1999/005978

申请日：1999-03-19

IPC: G06Q40/02 ,  G06Q40/08 ,  G06F157/00

CPC classification number: G06Q40/08 ,  G06Q40/025

Abstract: A system (10) and method for measuring or quantifying the probability of default of a borrower. Credit factors (20) from companies that banks have extended loans to are inputted and collected into processor (15). The method employs a process utilizing an optimization function and a standard multivariate nonlinear regression to process client information and to provide an output value whose value is indicative of the likelihood or risk of default by a particular borrower.

Abstract translation: 一种用于测量或量化借款人违约概率的系统（10）和方法。 银行贷款扩大的公司的信贷因素（20）被输入和处理（15）。 该方法采用利用优化函数和标准多元非线性回归处理客户信息的过程，并提供其值表示特定借款人的可能性或风险的输出值。

公开(公告)号：WO1998019265A1

公开(公告)日：1998-05-07

申请号：PCT/US1996020289

申请日：1996-12-30

Applicant: TRANSACTION TECHNOLOGY, INC.

Inventor： TRANSACTION TECHNOLOGY, INC. ,  GRANDCOLAS, Michael, L. ,  ANTHONY, Wendell, W. ,  LAW, Patrick ,  MOSS, Leslie ,  PETACH, Teresa, A. ,  TOMPKINS, Peter

IPC: G06F157/00

CPC classification number: G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/38 ,  G06Q20/3821 ,  G06Q20/401 ,  G06Q40/00 ,  G07F7/00 ,  G07F17/16 ,  G07F19/20 ,  G07F19/206 ,  G07F19/211 ,  H04L67/28 ,  H04L67/2823 ,  H04L67/2828 ,  H04L67/30 ,  H04L67/36 ,  Y10S707/99945 ,  Y10S707/99948 ,  Y10S715/962 ,  Y10S715/969

Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. By receiving information from the user via the user's access device (10), including information identifying the type of device being used and the application program (14) the user wishes to access, the present invention allows financial institutions to provide access to a given application to customers using different access devices (10). The information to be displayed to the user is automatically translated into a format which is compatible with the device, including its display, and sent to the device (10) for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program (14). The response generated by the application program (14) is automatically translated to be compatible with the device and is sent to the device (10).

Abstract translation: 方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。 通过经由用户的访问设备（10）从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序（14），本发明允许金融机构提供对给定应用的访问 给使用不同接入设备的客户（10）。 要显示给用户的信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备（10）进行显示。 用户又响应于所显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序（14）。 应用程序（14）产生的响应被自动转换为与设备兼容，并被发送到设备（10）。

公开(公告)号：WO1996030852A1

公开(公告)日：1996-10-03

申请号：PCT/US1996004290

申请日：1996-03-28

Applicant: HOGAN SYSTEMS, INC.

Inventor： HOGAN SYSTEMS, INC. ,  WAINSCOTT, Charles, R. ,  FERGUSON, Sheila, D. ,  HAWKINS, Gery, E. ,  REITER, Steven, W. ,  SALISBURY, Shirley ,  STANCIUS, Veronika ,  TIETZ, Matthew, R. ,  YUCHS, Jane, L.

IPC: G06F157/00

CPC classification number: G06Q40/02

Abstract: An electronic budgeting and planning system (20) for use in a data processing system having a plurality of instructive work stations (12) for providing budgeting and planning information and decision tools for managing a financial institution. The method includes the steps and the system includes the necessary structure for extracting a plurality of budgeting policies from a plurality of external budgeting policy external sources and configuring a budgeting and planning data structure in accordance with the plurality of budgeting policies. The method and system extract a plurality of financial account data sets relating to financial accounts from a plurality of financial account data set sources and populate the budgeting and planning data structure with the extracted plurality of financial account data sets. Modifying the populated budgeting and planning data structure is also performed to refine the populated budgeting and planning data structure for creating a final budgeting and planning data structure. The system (20) supports distribution of the final budgeting and planning data structure to the plurality of interactive workstations (12).

Abstract translation: 一种用于具有多个指导性工作站（12）的数据处理系统的电子预算和规划系统（20），用于提供用于管理金融机构的预算和规划信息和决策工具。 该方法包括步骤，系统包括从多个外部预算策略外部源提取多个预算策略的必要结构，并根据多个预算策略配置预算和规划数据结构。 该方法和系统从多个金融账户数据集源中提取与金融账户相关的多个金融账户数据集，并用提取的多个金融账户数据集填充预算和计划数据结构。 还进行修改人口稠密的预算和规划数据结构，以完善填充的预算和规划数据结构，以创建最终的预算和规划数据结构。 系统（20）支持将最终预算和规划数据结构分发到多个交互式工作站（12）。

公开(公告)号：WO1995024690A1

公开(公告)日：1995-09-14

申请号：PCT/JP1995000369

申请日：1995-03-07

Applicant: OKI ELECTRIC INDUSTRY CO., LTD. ,  MORI, Tohru ,  YOSHIZAWA, Seiji ,  KOSHIDA, Yoshinori ,  TANABE, Shusaku ,  SUTO, Sinichi ,  HAMASAKI, Satoshi

Inventor： OKI ELECTRIC INDUSTRY CO., LTD.

IPC: G06F157/00

CPC classification number: G07F7/0866 ,  G06Q20/10 ,  G06Q20/363 ,  G06Q20/381 ,  G07F19/20

Abstract: This invention relates to a transaction processing system including a host computer (1), a transaction device (2), a first customer card (3) and a second customer card (4). The first card (3) and the second card (4) directly transfer information representing monetary values between them on the basis of signals verifying a transaction processing received from the host computer (1) through the transaction device (2). When the information representing the monetary values are exchanged between the first card (3) and the second card (4), the host computer (1) updates the balance of the account stored in the host computer (1).

Abstract translation: 本发明涉及包括主计算机（1），交易设备（2），第一客户卡（3）和第二客户卡（4）的交易处理系统。 第一卡（3）和第二卡（4）基于通过交易装置（2）从主计算机（1）接收到的验证交易处理的信号，直接传送表示货币价值的信息。 当代表货币值的信息在第一卡（3）和第二卡（4）之间交换时，主计算机（1）更新存储在主计算机（1）中的帐户的余额。

公开(公告)号：WO2002088873A3

公开(公告)日：2002-11-07

申请号：PCT/US2002/011771

申请日：2002-04-12

Applicant: SALARY.COM ,  COLEMAN, William, H. ,  PLUNKETT, Kent ,  LINN, Andrew, I. ,  ZHANG, Yong

Inventor： COLEMAN, William, H. ,  PLUNKETT, Kent ,  LINN, Andrew, I. ,  ZHANG, Yong

IPC: G06F157/00

Abstract: A system (10) for reporting , collecting, and analyzing and distributing compensation and compensation-related data includes a data processing section (12), a data transfer section (14), and a data reporting section (16). The data processing section (12) is a service-providing company for collecting, analyzing and distributing compensation data.

公开(公告)号：WO0155810A3

公开(公告)日：2002-03-14

申请号：PCT/IB0100727

申请日：2001-01-25

Applicant: METCALFE ALAN M

Inventor： METCALFE ALAN M

IPC: G06Q30/00 ,  G06F17/60 ,  G06F157/00 ,  G07F19/00

CPC classification number: G06Q30/06 ,  G06Q10/06311 ,  G06Q20/3674 ,  G06Q30/0228 ,  G06Q30/0609 ,  G06Q40/00

Abstract: An electronic system (5) for regulating activity that includes a standard user interface requiring all information presented in the system (5) to be formatted in a standard (logical) manner designed to achieve results. The standard (logical) manner requires users to successively provide subject information, purpose information, and objective and time information relative to the activity. Standard user interfaces (30) may be developed for a variety of business tasks and other activities. All information is stored in individual files (375) at user locations. The system (5) includes a clearing house network (10), a common market (15), and a plurality of users (30), each connected to the network (10) via a common user interface (25) designed in accordance with operating rules. The system (5) handles facts and propositions in an equation solving manner. If a proposition is involved, selected information may be automatically forwarded to a searchable common market (15) that contains summary information and links to the files (375). All discussion relating to a proposition is recorded, and agreement is recognized and recorded. Upon agreement, a fulfillment function (540) is automatically launched. The fulfillment actions (540) of the system are in accordance with the objective and time information provided by the user.

Abstract translation: 一种用于调节活动的电子系统（5），其包括要求系统（5）中呈现的所有信息的标准用户界面以被设计成实现结果的标准（逻辑）方式进行格式化。 标准（逻辑）方式要求用户连续提供相关活动的主题信息，目的信息以及客观和时间信息。 可以开发用于各种业务任务和其他活动的标准用户界面（30）。 所有信息都存储在用户位置的各个文件（375）中。 系统（5）包括通过经由公共用户界面（25）连接到网络（10）的清算所网络（10），公共市场（15）和多个用户（30） 操作规则。 系统（5）以方程求解的方式处理事实和命题。 如果涉及一个命题，所选择的信息可以被自动地转发到包含摘要信息和文件链接（375）的可搜索的共同市场（15）。 记录有关命题的所有讨论，并确认和记录协议。 协议后，自动启动履行功能（540）。 系统的履行动作（540）符合用户提供的目标和时间信息。

公开(公告)号：WO01063490A1

公开(公告)日：2001-08-30

申请号：PCT/AU2000/001450

申请日：2000-11-27

IPC: B41J29/38 ,  B41J2/175 ,  B41J13/10 ,  B41J29/46 ,  B42C9/00 ,  B42C19/02 ,  B65H29/34 ,  B65H37/04 ,  G03G21/00 ,  G06F3/03 ,  G06F3/041 ,  G06F3/12 ,  G06K7/01 ,  G06Q10/10 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q40/00 ,  H04N1/00 ,  G06F17/60 ,  G06F157/00

CPC classification number: G06F3/033 ,  B41J2/17513 ,  B41J13/106 ,  B42C9/0006 ,  B42C9/0081 ,  B42C19/02 ,  B42P2261/04 ,  B65H29/34 ,  B65H37/04 ,  G06F17/241 ,  G06K9/2063 ,  G06K9/222 ,  G06K2009/226 ,  G06Q10/10 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q30/0241 ,  G06Q40/00 ,  H04L65/4015 ,  H04L67/18 ,  H04L67/38 ,  H04W4/02

Abstract: In a system in which a user obtains documents, a method of controlling what is supplied to the user, the method including providing one or more user accounts for the user and providing the or each user account with a separate first threshold, periodically determining the balance in the user account or accounts; and if the balance in the respective user account is below the first threshold, instituting modification of documents supplied or restrictions on what documents are supplied or both.

Abstract translation: 在用户获取文档的系统中，控制向用户提供的内容的方法，所述方法包括为用户提供一个或多个用户账户，并为每个用户帐户提供单独的第一阈值，周期性地确定余额 在用户帐户或帐户中; 并且如果相应用户账户中的余额低于第一阈值，则对所提供的文件进行修改或提供哪些文件的限制或两者兼而有之。