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Небесная энциклопедия

Космические корабли и станции, автоматические КА и методы их проектирования, бортовые комплексы управления, системы и средства жизнеобеспечения, особенности технологии производства ракетно-космических систем

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Мониторинг СМИ

Мониторинг СМИ и социальных сетей. Сканирование интернета, новостных сайтов, специализированных контентных площадок на базе мессенджеров. Гибкие настройки фильтров и первоначальных источников.

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Применить Всего найдено 418. Отображено 182.

08-07-2003 дата публикации

Thermosiphon for electronics cooling with high performance boiling and condensing surfaces

Номер: US0006588498B1

Автор: Ilya Reyzin, Mohinder Singh Bhatti, Debashis Ghosh, Shrikant Mukund Joshi, REYZIN ILYA, BHATTI MOHINDER SINGH, GHOSH DEBASHIS, JOSHI SHRIKANT MUKUND

Принадлежит: Delphi Technologies, Inc., DELPHI TECH INC, DELPHI TECHNOLOGIES, INC.

A thermosiphon for cooling an electronic device having a mean width of dimension "b" comprises a boilerplate having a top surface and including a plurality of pyramid shaped fins projecting upwardly from the top surface. The boilerplate also has a bottom surface for receiving the electronic device to be cooled. A plurality of spaced apart condenser tubes is mounted above the boilerplate such that the boilerplate and the condenser tubes define a vapor chamber therebetween for receiving a working fluid therein. A plurality of convoluted fins extends between each adjacent pair of condenser tubes.

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Номер записи: 1

08-08-2017 дата публикации

HVAC module having an open architecture

Номер: US0009724978B2

Автор: Jeffrey C. Kinmartin, Prasad S. Kadle, Mingyu Wang, Debashis Ghosh, Steven M. Zielinski, Shamsuddin Noorani, KINMARTIN JEFFREY C, KADLE PRASAD S, WANG MINGYU, GHOSH DEBASHIS, ZIELINSKI STEVEN M, NOORANI SHAMSUDDIN, Kinmartin Jeffrey C., Kadle Prasad S., Wang Mingyu, Ghosh Debashis, Zielinski Steven M., Noorani Shamsuddin

Принадлежит: MAHLE International GmbH, MAHLE INT GMBH

An open architecture HVAC module is disclosed having a housing defining an air inlet and at least two adjacent air outlets. An evaporator and a heater unit are disposed within the housing. A cold air chamber is defined between the evaporator and heater unit, and a hot air chamber is defined downstream of the heater unit. A partition extends into the cold and hot air chambers from an interior surface of the housing between the two adjacent air outlets. The partition is spaced from the evaporator and heater unit. The partition cooperates with the housing to define a first mixing chamber in fluid communication with the first outlet and a second mixing chamber in fluid communication with the second outlet. A blend valve is disposed in each mixing chambers. The blend valves are configured to selectively direct air flow from the cold and hot air chambers to the air outlets.

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Номер записи: 2

14-05-2015 дата публикации

CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT

Номер: US20150134511A1

Автор: Debashis Ghosh, Kurt D. Newman, David Joa, Sundeshna Banerjee, Thayer Allison, Yanghong Shao, Mark V. Krein, GHOSH DEBASHIS, NEWMAN KURT D, JOA DAVID, BANERJEE SUNDESHNA, ALLISON THAYER, SHAO YANGHONG, KREIN MARK V, NEWMAN KURT D., KREIN MARK V.

Принадлежит:

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 a withdrawal in excess of account balance. 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. 1. A method for managing financial institution accounts , the method comprising:receiving, at a computing device, one or more financial institution account link requests, wherein each link request provides for linking two or more financial institution accounts associated with a customer;providing for one or more financial institution account links based on the one or more link requests;receiving, at a computing device, customer selection of account management rules associated with a plurality of the linked financial institution accounts, wherein at least one of the customer selected account management rules is operable to maximize the customer's rate of return associated with the plurality of linked financial institution accounts and at least one of the customer-selected account management rules is operable to ensure adequate fund availability in one or more of the plurality of linked financial institution accounts for the purpose of funding an expenditure;storing, in computing device memory, the one or more account management rules in a customer profile associated with the customer; (1) ...

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Номер записи: 3

20-07-2021 дата публикации

Methods and systems for leveraging transactions to dynamically authenticate a user

Номер: US0011068891B2

Автор: Debashis Ghosh, Randy Shuken, GHOSH DEBASHIS, SHUKEN RANDY, Ghosh, Debashis, Shuken, Randy

Принадлежит: MASTERCARD INTERNATIONAL INCORPORATED, MASTERCARD INTERNATIONAL INC

A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.

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Номер записи: 4

05-05-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0025032157B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 5

27-10-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0020797543B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 6

09-11-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0020230115B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 7

26-03-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0027223500B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 8

03-06-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0020852794B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 9

26-08-2004 дата публикации

Compact thermosiphon for dissipating heat generated by electronic components

Номер: US20040163798A1

Автор: Debashis Ghosh, Mohinder Bhatti, Ilya Reyzin

Принадлежит:

A compact thermosiphon assembly for dissipating heat generated by electronic components using a working fluid includes a tube having a first end and a second end and a flat cross section defining an elongated chamber is disclosed. The tube has an evaporation region for receiving heat to evaporate the working fluid into a vaporized working fluid within the chamber disposed between a first condensation region and a second condensation region opposite the first condensation region for condensing the vaporized working fluid back into a liquefied working fluid within the chamber. Each of the condensation regions have a first portion extending upwardly at a first angle from the evaporation region and a second portion extending upwardly at a second angle different than the first angle.

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Номер записи: 10

29-05-2012 дата публикации

Calculating credit worthiness using transactional data

Номер: US0008190515B2

Автор: Debashis Ghosh, William Anthony Nobili, Arun R. Pinto, Kurt Newman, David N. Joffe, Sudeshna Banerjee, Marc Douglas Halsted, GHOSH DEBASHIS, NOBILI WILLIAM ANTHONY, PINTO ARUN R, NEWMAN KURT, JOFFE DAVID N, BANERJEE SUDESHNA, HALSTED MARC DOUGLAS, PINTO ARUN R., JOFFE DAVID N.

Принадлежит: Bank of America Corporation, GHOSH DEBASHIS, NOBILI WILLIAM ANTHONY, PINTO ARUN R, NEWMAN KURT, JOFFE DAVID N, BANERJEE SUDESHNA, HALSTED MARC DOUGLAS, BANK OF AMERICA, PINTO ARUN R., JOFFE DAVID N., BANK OF AMERICA CORPORATION

Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.

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Номер записи: 11

11-07-2013 дата публикации

USING USER EXPRESSIONS OF INTEREST TO DEEPEN USER RELATIONSHIP

Номер: US20130179254A1

Автор: David Joa, Debashis Ghosh, Thomas Mann

Принадлежит: Bank of America Corporation

Embodiments of the invention are directed to collecting one or more expressions of interest from a user, where the one or more expressions of interest indicating potential interest in one or more financial products or financial services. Then, using a processing device, an interest index is calculated based at least in part on the collected one or more expressions of interest from the user. The interest index is configured to quantify a level of interest expressed by the user for one or more financial products or financial services. Next, based at least in part on the interest index, a level of engagement for deepening a relationship with the user is determined. Finally, one or more offline marketing efforts for deepening the relationship with the user are initiated based on the determined level of engagement. 1. A method comprising:collecting one or more expressions of interest from a user, the one or more expressions of interest indicating potential interest in one or more financial products or financial services;calculating, using a processing device, an interest index based at least in part on the collected one or more expressions of interest from the user, the interest index configured to quantify a level of interest expressed by the user for one or more financial products or financial services;determining, based at least in part on the interest index, a level of engagement for deepening a relationship with the user; andinitiating one or more offline marketing efforts for deepening the relationship with the user based on the determined level of engagement.2. The method of claim 1 , wherein collecting one or more expressions of interest from a user comprises:collecting one or more expressions of interest expressed by the user across one or more online banking channels.3. The method of claim 1 , wherein collecting one or more expressions of interest from a user comprises:collecting one or more expressions of interest from a user using one or more offline banking ...

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Номер записи: 12

12-03-2015 дата публикации

MERCHANT TRACKING AND ANALYSIS TOOL

Номер: US20150073977A1

Автор: Debashis Ghosh, Sreedevi Gummuluri, Sudeshna Banerjee, Yanghong Shao, Kurt Newman, David Joa, Thayer Allison, GHOSH DEBASHIS, GUMMULURI SREEDEVI, BANERJEE SUDESHNA, SHAO YANGHONG, NEWMAN KURT, JOA DAVID, ALLISON THAYER

Принадлежит:

Transaction data is processed using a store number that is associated with a merchant. By analyzing sales of a merchant by store, a financial institution can better assess the financial health of a merchant. The financial institution can subsequently evaluate different value propositions that may be offered to the merchant or a consumer. The store numbers are extracted from the transaction entries so that a performance metric can be determined by store locations of the merchant. Consequently, the financial institution can determine the financial health of the merchant based on individual stores rather than on the total sales of the merchant. Different value propositions can be offered by the financial institution to a merchant or a consumer of the merchant based on an analysis of the transaction data. Transaction data for different merchants and different geographic areas can be compared to identify potential customers for the financial institution. 1. A method , comprising:accessing, by a computing system transaction data stored in a memory of the computing system, the transaction data comprising transaction data generated by a plurality of transaction-processing terminals associated with a first merchant and transaction data generated by a plurality of transaction-processing terminals associated with a second merchant; identifying, by the computing system and in the transaction data generated by the plurality of transaction-processing terminals associated with the first merchant, at least one transaction entry that comprises a merchant identifier portion comprising an identifier of the first merchant and a store identifier portion comprising a store identifier associated with the first store location of the first merchant;', 'identifying, by the computing system and in the transaction data generated by the plurality of transaction-processing terminals associated with the first merchant, at least one transaction entry that comprises a merchant identifier portion ...

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Номер записи: 13

03-07-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0024084818B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 14

08-07-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0027370677B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 15

12-03-2020 дата публикации

SYSTEMS AND METHODS FOR TOKENLESS AUTHENTICATION OF CONSUMERS DURING PAYMENT TRANSACTIONS

Номер: US20200082409A1

Автор: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel, GHOSH DEBASHIS, SHUKEN RANDY, LESBIREL MARY ELIZABETH, Ghosh, Debashis, Shuken, Randy, Lesbirel, Mary Elizabeth

Принадлежит: Mastercard International Inc

A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

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Номер записи: 16

18-08-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0020444695B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 17

13-09-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0021569780B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 18

05-10-2021 дата публикации

Inventory management system

Номер: US0011138538B2

Автор: Kurt Newman, Debashis Ghosh, Ramsay Cole, NEWMAN KURT, GHOSH DEBASHIS, COLE RAMSAY, Newman, Kurt, Ghosh, Debashis, Cole, Ramsay

Принадлежит: ADP, LLC, ADP LLC

A method, a computer system, and a computer program product for managing inventory for an organization. The computer system identifies human resources data regarding employees of organizations. The human resources data comprises geolocation data based at least partially on a geolocation of the organization and geolocations of the employees. The computer system determines a change in market dynamics relating to a set of geographic regions based at least partially on the human resources data. The computer system identifies transaction data for transactions involving a business merchant within a particular geographic region and a consumer. The computer system generates a suggested inventory for the business merchant. The suggested inventory is based at least partially on the determined change in market dynamics for the set of geographic regions in the transaction data for the business merchant.

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Номер записи: 19

17-08-2017 дата публикации

SYSTEMS AND METHODS FOR QUERY QUEUE OPTIMIZATION

Номер: US20170235725A1

Автор: Debashis Ghosh, GHOSH DEBASHIS, Ghosh Debashis

Принадлежит:

A computer-implemented method for optimizing a queue of queries for database efficiency is implemented by a controller computing device coupled to a memory device. The method includes receiving a plurality of database queries at the computing device from at least one host, evaluating the plurality of database queries to determine a resource impact associated with each database query of the plurality of database queries, prioritizing the plurality of database queries based upon a set of prioritization factors and the resource impact associated with each database query, and submitting the prioritized plurality of database queries to a database system for execution. The database system executes the plurality of database queries in order of priority. 124-. (canceled)25. A computer-implemented method for determining an order of execution of a queue of queries by a database system , each of the queries submitted by one of a plurality of analysts via one of a plurality of host devices , the method implemented by a controller computing device coupled to a memory device , the method comprising:receiving, at the controller computing device, a plurality of database queries from the queue of queries;determining a source of each of the plurality of database queries, wherein the source includes at least one of (i) a host device of the plurality of host devices, and (ii) an analyst of the plurality of analysts, from which the respective query is submitted;determining an order of execution of the plurality of database queries based upon a set of prioritization factors including (i) a source significance associated with the respective source corresponding to each of the plurality of database queries, and (ii) a ranking of a respective business impact related to each of the plurality of database queries; andsubmitting, by the controller computing device, the plurality of database queries to the database system for execution in the determined order of execution.26. The method of claim ...

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Номер записи: 20

03-03-2016 дата публикации

METHOD AND SYSTEM FOR MAKING TIMELY AND TARGETED OFFERS

Номер: US20160063546A1

Автор: Debashis Ghosh, Randall K. Shuken, Sebastian Shuken

Принадлежит:

A method for making a timely and targeted offer by an entity to an audience of potential acceptors is provided. The method involves retrieving information including purchasing and payment activity information attributable to the audience having a transaction, date and time identifier; retrieving information including website browsing information attributable to the audience having a website, date and time identifier for one or more websites visited by the audience; correlating the information to generate one or more predictive behavioral models; identifying time and date patterns associated with activities and characteristics attributable to the audience; and conveying to the entity the time and date patterns associated with the activities and characteristics attributable to the audience, to enable the entity to make a timely and targeted offer to the audience. A system for making a timely and targeted offer by an entity to an audience of potential acceptors is also provided. 1. A method for making a timely and targeted offer by an entity to an audience of potential acceptors , said method comprising:retrieving, from one or more databases, a first set of information including purchasing and payment activity information attributable to said audience of potential acceptors, wherein at least a portion of the purchasing and payment activity information has a transaction, date and time identifier;retrieving, from one or more databases, a second set of information including website browsing information attributable to the audience of potential acceptors, wherein at least a portion of the website browsing information has a website, date and time identifier for one or more websites visited by the audience of potential acceptors;correlating the first set of information with the second set of information to generate one or more predictive behavioral models;identifying activities and characteristics, including time and date patterns associated with said activities and ...

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Номер записи: 21

04-10-2012 дата публикации

On Demand Information Network

Номер: US20120254053A1

Автор: David Joa, Thomas Wade Mann, Robert Mark Jensen, Kent E. Wenger, Debashis Ghosh, JOA DAVID, MANN THOMAS WADE, JENSEN ROBERT MARK, WENGER KENT E, GHOSH DEBASHIS, WENGER KENT E.

Принадлежит: Bank of America Legal Deparment

A computer system provides a unified view of data for different organizations of a business. The accessed data may be distributed over different data sources that may include a data warehouse, operational databases (e.g., systems of records supporting different functions), production servers, and external data sources. Access to one or more of the data sources may be restricted based on a user profile. Data may also be accessed by directly tapping into the systems of record of a business to potentially reduce the duplication of data and provide the data in a timelier basis. Data may be obtained from the systems of record by pinging selected systems using an application programming interface and may be stored in a computing cloud that is not constrained to a particular physical asset of the business. In addition, the accessed data may be analyzed and presented differently based on the different lines of business.

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Номер записи: 22

24-08-2010 дата публикации

Itemized receipt tracking system

Номер: US0007783515B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Embodiments of the present invention are directed to apparatuses, systems, methods, and computer program products for: (1) receiving transaction data from a transaction involving a consumer, where the transaction data comprises product-level information; (2) storing the transaction data in memory; and/or (3) posting the transaction data to an account accessible to the consumer.

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Номер записи: 23

19-12-2019 дата публикации

DOUBLE-BLIND RESEARCH PORTAL

Номер: US20190385179A1

Автор: Debashis Ghosh, Kurt D. Newman, Robert Wohlers, GHOSH DEBASHIS, NEWMAN KURT D, WOHLERS ROBERT, Ghosh, Debashis, Newman, Kurt D., Wohlers, Robert

Принадлежит:

A computer-implemented method, system, and computer program product for research in a double-blind framework, links, by a data processing system, a double-blind framework application to an intra-network database, provides a double-blind framework portal linked to the double-blind framework application, and responsive to a request entered on the double-blind framework portal, provides to a requestor, responses to research surveys directed to an audience selected from the intra-network database based on an intra-change system. The intra-network database comprises a database of entities and employees of the entities that have opted-in to an intra-change system. The intra-change system provides financial incentives to the entities and employees by sharing a fee paid by the requestor for each research survey.

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Номер записи: 24

16-09-2010 дата публикации

DETERMINATIONS RELATING TO RESOURCE DISTRIBUTION

Номер: US20100235271A1

Автор: Debashis Ghosh, Yanghong Shao, Thayer S. Allison, Jr., Kurt D. Newman, David Joa, Marc Douglas Halsted, GHOSH DEBASHIS, SHAO YANGHONG, ALLISON JR THAYER S, NEWMAN KURT D, JOA DAVID, HALSTED MARC DOUGLAS, ALLISON, JR. THAYER S., NEWMAN KURT D.

Принадлежит: BANK OF AMERICA CORPORATION

Systems and methods that may determine whether to provide a resource to a consumer are disclosed. Further methods may allow distributing resources on an expedited basis or recheck previous determinations to provide a resource. In certain embodiment, resource transactions may be categorized. Illustrative categories may be organized by: investment, a non-investment expenditure, or income. In one embodiment, transactions categorized as non-investment expenditures may be categorized into subcategories, including necessities, discretionary, or debt. Calculations may be performed upon the categorized (and/or sub-categorized data). For example, one or more of the following ratios may be calculated: debt-to-income, investment-to-income, and expenditure-to-income. Ratios may be compared to one or more threshold values. Determinations of the threshold may consider information regarding other individuals' or business' resource transactions.

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Номер записи: 25

14-04-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0028269863B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 26

22-08-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0021007124B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 27

03-11-2022 дата публикации

AD HOC DATA EXPLORATION TOOL

Номер: US20220350798A1

Автор: Jeffrey Jacob Bursik, Debashis Ghosh, Matt Jesser, Robert James Koste, Jason Louer, Jayanthi Narayanan, Andrew Hangsleben, Arman Shah, Michael Jantscher, Sam Bloomquist

Принадлежит:

The disclosed application relates to a tool by which a user may create a cloud workspace that includes a data memory space, as well as a tool for automatically identifying ad-hoc analyses on that data. The solution allows a user to connect to data sources using SQL or GUI tools, combine data from different data sources, prepare and clean the data, mine the data for insights, and move that data into downstream reporting tools for visualization. The system is linked to a code repository to allow data scientists to execute code from the code repository in trial data spaces, investigate that data, and prepare more in-depth analytics for downstream reporting tools.

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Номер записи: 28

08-09-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0027199752B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 29

12-06-2012 дата публикации

Identity database bureau

Номер: US0008200708B2

Автор: Debashis Ghosh, Michael O'Hagan, David Joa, Kurt D. Newman, Thayer Allison, Sudeshna Banerjee, Mark V. Krein, GHOSH DEBASHIS, O'HAGAN MICHAEL, JOA DAVID, NEWMAN KURT D, ALLISON THAYER, BANERJEE SUDESHNA, KREIN MARK V, NEWMAN KURT D., KREIN MARK V.

Принадлежит: Bank of America Corporation, GHOSH DEBASHIS, O'HAGAN MICHAEL, JOA DAVID, NEWMAN KURT D, ALLISON THAYER, BANERJEE SUDESHNA, KREIN MARK V, BANK OF AMERICA, NEWMAN KURT D., KREIN MARK V., BANK OF AMERICA CORPORATION

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.

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Номер записи: 30

04-03-2010 дата публикации

BUDGET ENVELOPE CREDIT CARD

Номер: US20100057574A1

Автор: Sudeshna Banerjee, Debashis Ghosh, David N. Joffe, Hans Shumacher, Sreedevi Gummuluri, Jeff Carter, Nicholas Halpern, Dan Ariely, BANERJEE SUDESHNA, GHOSH DEBASHIS, JOFFE DAVID N, SHUMACHER HANS, GUMMULURI SREEDEVI, CARTER JEFF, HALPERN NICHOLAS, ARIELY DAN, JOFFE DAVID N.

Принадлежит: Bank of America

Apparatus and methods for providing a budget envelope credit card are provided. An apparatus according to the invention may include a budget envelope credit card software engine and a rewards software engine that provides a reward scheme for use by the budget envelope credit card engine, the rewards scheme that defines a reward frequency.

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Номер записи: 31

16-08-2007 дата публикации

Peptides for stimulating an immune response against melanoma

Номер: US20070190061A1

Автор: Soldano Ferrone, Chien-Chung Chang, Wei Luo, Xinhui Wang, Debashis Ghosh

Принадлежит:

Provided in the present invention are recombinant peptides and a method for using the peptides in stimulating an immune response against human high molecular weight-melanoma associated antigen (HMW-MAA). The peptides were designed from the identification of regions of structural and amino acid sequence homology between HMW-MAA and the mouse anti-idiotypic monoclonal antibody MK2-23. The method comprises the step of administering to an individual a peptide of the invention in an amount effective to elicit an immune response against HMW-MAA.

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Номер записи: 32

02-02-2021 дата публикации

Method and system for providing financial performance data associated with a merchant

Номер: US0010909619B2

Автор: Debashis Ghosh, Randy Shuken, GHOSH DEBASHIS, SHUKEN RANDY, Ghosh, Debashis, Shuken, Randy

Принадлежит: MASTERCARD INTERNATIONAL INCORPORATED, MASTERCARD INTERNATIONAL INC

A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.

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Номер записи: 33

13-02-2020 дата публикации

Method and System for Predictive Modeling of Consumer Profiles

Номер: US20200051098A1

Автор: Kurt Newman, Debashis Ghosh, Robert Wohlers, NEWMAN KURT, GHOSH DEBASHIS, WOHLERS ROBERT, Newman, Kurt, Ghosh, Debashis, Wohlers, Robert

Принадлежит:

A method, computer system, and computer program product that aggregates data regarding a plurality of factors correlated with demographic parameters; performs iterative analysis on the data using machine learning to construct a predictive model of purchasing propensity; populates, using the predictive model, a database with predicted values of spending propensity for selected demographic parameters; converts the predicted values of spending propensity in the database into percentages of observed values of spending propensity for a selected group of people within the selected demographic parameters over a specified time period to create indices of spending propensity; and rank orders the people within the selected group according to their indices of spending propensity. 1. A computer-implemented method for predictive modeling , the method comprising:aggregating, by one or more processors, sample data regarding a plurality of factors correlated with demographic parameters;performing, by one or more processors, iterative analysis on the data using machine learning to construct a predictive model of purchasing propensity;populating, by one or more processors using the predictive model, a database with predicted values of spending propensity for selected demographic parameters;converting, by one or more processors, the predicted values of spending propensity in the database into percentages of observed values of spending propensity for a selected group of people within the selected demographic parameters over a specified time period to create indices of spending propensity; andrank ordering, by one or more processors, the people within the selected group according to their indices of spending propensity.2. The method according to claim 1 , further comprising:comparing, by one or more processors, the rank ordering of indices of spending propensity to observed spending propensity of the selected group over a second specified time period;aggregating, by one or more ...

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Номер записи: 34

13-06-2023 дата публикации

Methods and systems for leveraging transactions to dynamically authenticate a user

Номер: US0011676148B2

Автор: Debashis Ghosh, Randy Shuken

Принадлежит: MASTERCARD INTERNATIONAL INCORPORATED

A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.

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Номер записи: 35

04-05-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0021491999B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 36

14-07-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0025438371B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 37

26-09-2019 дата публикации

Commute Distance Optimization

Номер: US20190294979A1

Автор: Kurt Newman, Debashis Ghosh, Robert Wohlers, NEWMAN KURT, GHOSH DEBASHIS, WOHLERS ROBERT, Newman, Kurt, Ghosh, Debashis, Wohlers, Robert

Принадлежит:

A method, system and apparatus for accessing an internal database that includes at least one payroll database, identifying an individual, a first location, a second location, a future date, and a time of day. Responsive to identifying the individual, the first location, the second location, the date, and the time of day, determining a predicted travel time for the individual between the first location and the second location at the time of day on the future date. 1. A computer-implemented method for traffic prediction , the computer implemented method comprising:accessing, by a machine intelligence application running on a processor unit, an internal database that includes at least one payroll database;identifying, by the machine intelligence application running on the processor unit, an individual, a first location, a second location, a future date, and a time of day;responsive to identifying the individual, the first location, the second location, the date, and the time of day, determining, by the machine intelligence application running on the processor unit, a predicted travel time for the individual between the first location and the second location at the time of day on the future date.2. The computer-implemented method of claim 1 , further comprising:responsive to identifying the first location, computing, by the machine intelligence application running on the processor, a number of routes for movement by the individual from the first location to a second location;receiving from a device, by the machine intelligence application running on the processor unit, a number of actual routes taken by the individual between the first location and the second location over a period of time;retrieving from a source, by the machine intelligence application running on the processor unit, a number of factors associated with each of the number of routes and the number of actual routes;analyzing by the machine intelligence application running on the processor unit, the number ...

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Номер записи: 38

15-10-2015 дата публикации

SYSTEMS AND METHODS FOR GENERATING ACTUAL PRICING DATA OF RENTAL PROPERTIES

Номер: US20150294401A1

Автор: Debashis Ghosh, Randy Shuken, Todd Woodruff

Принадлежит: MasterCard International Incorporated

A computer-implemented method for determining actual pricing data for rental properties is described. The method is implemented using a computing device having a processor communicatively coupled to a memory. The method includes receiving rental transaction data from a payment system, wherein the rental transaction data includes a plurality of payment transactions, generating a one or more rental data sets, where each rental data set includes a rent amount paid, a rental location identifier, a payor identifier, and a landlord identifier, generating a list of rental properties based on the rental location identifiers from the one or more rental data sets, determining the rent amounts paid for each rental property from the one or more rental data sets, and generating a rental report based on the list of rental properties and the determined rent amount paid for each rental property. 1. A computer-implemented method for determining actual pricing data for rental properties , said method using a computing device having a processor communicatively coupled to a memory , said method comprising:receiving, by the processor, rental transaction data from a payment system, wherein the rental transaction data includes a plurality of payment transactions;generating, by the processor, one or more rental data sets, wherein each rental data set includes a rent amount paid, a rental location identifier, a payor identifier, and a landlord identifier;generating, by the processor, a list of rental properties based on the rental location identifiers from the one or more rental data sets;determining, by the processor, the rent amounts paid for each rental property from the one or more rental data sets; andgenerating, by the processor, a rental report based on the list of rental properties and the determined rent amount paid for each rental property.2. The method in accordance with claim 1 , wherein generating a one or more rental data sets further comprises:determining, for each payment ...

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Номер записи: 39

27-11-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0028446962B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 40

01-07-2010 дата публикации

IDENTITY DATABASE BUREAU

Номер: US20100169386A1

Автор: Debashis Ghosh, Michael O'Hagan, David Joa, Kurt D. Newman, Thayer Allison, Sudeshna Banerjee, Mark V. Krein, GHOSH DEBASHIS, O'HAGAN MICHAEL, JOA DAVID, NEWMAN KURT D, ALLISON THAYER, BANERJEE SUDESHNA, KREIN MARK V, NEWMAN KURT D., KREIN MARK V.

Принадлежит: BANK OF AMERICA

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.

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Номер записи: 41

04-02-2014 дата публикации

Offset optimization system

Номер: US0008645245B2

Автор: Debashis Ghosh, Yanghong Shao, David Joa, Kurt Newman, Sudeshna Banerjee, Thayer Allison, Arun Pinto, Preston Wesley Ports, III, Mark Krein, GHOSH DEBASHIS, SHAO YANGHONG, JOA DAVID, NEWMAN KURT, BANERJEE SUDESHNA, ALLISON THAYER, PINTO ARUN, PORTS III PRESTON WESLEY, KREIN MARK, PORTS, III PRESTON WESLEY

Принадлежит: Bank of America Corporation, GHOSH DEBASHIS, SHAO YANGHONG, JOA DAVID, NEWMAN KURT, BANERJEE SUDESHNA, ALLISON THAYER, PINTO ARUN, PORTS III PRESTON WESLEY, KREIN MARK, BANK OF AMERICA, PORTS, III PRESTON WESLEY, BANK OF AMERICA CORPORATION

Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.

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Номер записи: 42

20-10-2020 дата публикации

Method and system for predictive modeling of signage location and pricing

Номер: US0010810630B1

Автор: Ramsay Cole, Kurt Newman, Debashis Ghosh, COLE RAMSAY, NEWMAN KURT, GHOSH DEBASHIS, Cole, Ramsay, Newman, Kurt, Ghosh, Debashis

Принадлежит: ADP, LLC, ADP LLC

A method, computer system, and computer program product that aggregates sample data regarding a plurality of factors associated with income and geographic location; performs iterative analysis on the sample data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted values of encountered income for a selected set of predefined signage locations; converts the predicted values of encountered income in the database into percentages of observed values of encountered income for signage locations within the selected set over a specified time period to create indices of encountered income; and rank orders the signage locations within the selected set according to their indices of encountered income.

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Номер записи: 43

01-09-2011 дата публикации

CUSTOMER AND PURCHASE IDENTIFICATION BASED UPON A SCANNED BIOMETRIC OF A CUSTOMER

Номер: US20110213709A1

Автор: Kurt D. Newman, Christopher R. Griggs, Joseph A. Giordano, Debashis Ghosh, David Joa, Timothy J. Bendel, Michael James O'Hagan, NEWMAN KURT D, GRIGGS CHRISTOPHER R, GIORDANO JOSEPH A, GHOSH DEBASHIS, JOA DAVID, BENDEL TIMOTHY J, O'HAGAN MICHAEL JAMES, NEWMAN KURT D., GRIGGS CHRISTOPHER R., GIORDANO JOSEPH A., BENDEL TIMOTHY J.

Принадлежит: BANK OF AMERICA CORPORATION

Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer desires to make a purchase with an associated payment amount from an entity. A determination may be made as to whether the identified customer has a default purchase at the entity. Information of an account of the customer to make a purchase may be received and funds in the account may be debited by the associated payment amount. An item corresponding with the purchase based upon the scanned iris may be determined.

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Номер записи: 44

20-12-2018 дата публикации

SYSTEMS AND METHODS FOR TOKENLESS AUTHENTICATION OF CONSUMERS DURING PAYMENT TRANSACTIONS

Номер: US20180365699A9

Автор: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel, GHOSH DEBASHIS, SHUKEN RANDY, LESBIREL MARY ELIZABETH, Ghosh, Debashis, Shuken, Randy, Lesbirel, Mary Elizabeth

Принадлежит:

A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

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Номер записи: 45

13-04-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0024207583B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 46

23-01-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0025654872B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 47

11-10-2022 дата публикации

Method and system for predictive modeling of geographic income distribution

Номер: US0011468352B2

Автор: Kurt D. Newman, Debashis Ghosh, Ramsay Cole

Принадлежит: ADP, Inc., ADP, LLC

A method, computer system, and computer program product that aggregates sample data regarding a plurality of factors associated with income and geographic location; performs iterative analysis on the sample data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted values of average income for a selected set of predefined geographic regions; converts the predicted values of average income in the database into percentages of observed values of average income for geographic regions within the selected set over a specified time period to create indices of average income; and rank orders the regions within the selected set according to their indices of average income.

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Номер записи: 48

03-10-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0023917754B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 49

15-05-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0021734960B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 50

24-05-2018 дата публикации

METHOD AND SYSTEM FOR PROVIDING FINANCIAL PERFORMANCE DATA ASSOCIATED WITH A MERCHANT

Номер: US20180144402A1

Автор: Debashis Ghosh, Randy Shuken

Принадлежит: Mastercard International Inc

A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.

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Номер записи: 51

23-05-2019 дата публикации

SYSTEMS AND METHODS FOR CONTROLLING ACCESS TO LOCATION BASED DATA

Номер: US20190156360A1

Автор: Debashis Ghosh, GHOSH DEBASHIS, Ghosh, Debashis

Принадлежит:

A method for controlling access to data displayed by an information services portal on a user device is provided. The method includes receiving a candidate login input corresponding to a user. The method further includes comparing the candidate login input to a list of login entries stored in the memory, each of the stored login entries having a corresponding code segment, each code segment defining a bounding area defining a geographic area. The method further includes retrieving from the memory a selected code segment corresponding to the stored login entry matching the candidate login input, and applying a geographic restriction to the data set by processing the selected code segment. The method further includes transmitting a data subset of the data set to the user computing device for display, the data subset including data satisfying the geographic restriction. 1. A method for controlling access by a user computing device to a data set stored in a memory , the data set including values for a plurality of geographic sectors , said method implemented by an access control computing device including at least one processor in communication with the memory , said access control computing device in communication with the user computing device , said method comprising:receiving a candidate login input corresponding to a user;comparing the candidate login input to a list of login entries stored in the memory, each of the stored login entries having a corresponding code segment, each code segment defining a bounding area defining a geographic area;retrieving from the memory a selected code segment corresponding to the stored login entry matching the candidate login input;applying a geographic restriction to the data set by processing the selected code segment; andtransmitting a data subset of the data set to the user computing device for display, the data subset including data satisfying the geographic restriction.2. The method of claim 1 , further comprising:receiving ...

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Номер записи: 52

05-07-2012 дата публикации

Leveraging Passive Networks

Номер: US20120173707A1

Автор: Debashis Ghosh, GHOSH DEBASHIS

Принадлежит: Bank of America Corporation

System and methods for leveraging passive networks are disclosed. In one embodiment, a method includes receiving, from a first data source, a first data descriptor, wherein the first data descriptor identifies an instance of contact between at least two persons. The method also includes determining a connection between the at least two persons, wherein the connection is based on an instance of contact between the at least two persons identified in the first data descriptor. The method further includes determining, with a processor, a first contact count for the connection, the first contact count based on a number of instances of contact between the at least two persons associated with the connection. The method also includes calculating, with the processor, a connection score for the connection, wherein the connection score is based at least in part on the first contact count. 1. A method comprising:receiving, from a first data source, a first data descriptor, wherein the first data descriptor identifies an instance of contact between at least two persons;determining a connection between the at least two persons, wherein the connection is based on an instance of contact between the at least two persons identified in the first data descriptor;determining, with a processor, a first contact count for the connection, the first contact count based on a number of instances of contact between the at least two persons associated with the connection;calculating, with the processor, a connection score for the connection, wherein the connection score is based at least in part on the first contact count.2. The method of claim 1 , further comprising:receiving, from a second data source, a plurality of second data descriptors, wherein one or more of the second data descriptors identifies an instance of contact between the at least two persons, and wherein the determined connection is further based on the one or more instances of contact between the at least two persons ...

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Номер записи: 53

13-12-2007 дата публикации

Domed heat exchanger (porcupine)

Номер: US20070284092A1

Автор: Debashis Ghosh, Mohinder Singh Bhatti

Принадлежит:

Three embodiments of a heat exchanger assembly for cooling an electronic device are shown respectively in FIGS. 1-2, 3 and 4 and each comprises a flange, a dome, a plurality of condensing tubes, a shroud, and a boiler plate. In the first embodiment shown in FIG. 1, the dome is semi-spherical in shape and the distance measured axially along the center axis equals the distance measured laterally from or perpendicular to the center axis. In the second and third embodiments shown in FIGS. 3 and, 4, respectively, the distance measured axially along the center axis is greater than the distance measured laterally from or perpendicular to the center axis. The domes in the second and third embodiments are an ellipsoid and a semi-logarithmic body, respectively. In all embodiments, a plurality of condensing tubes aligned in fan rows and arced rows extend from the dome to distal ends to facilitate more-efficient heat transfer.

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Номер записи: 54

01-05-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0023852122B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 55

24-10-2019 дата публикации

INVENTORY MANAGEMENT SYSTEM

Номер: US20190325366A1

Автор: Kurt Newman, Debashis Ghosh, Ramsay Cole, NEWMAN KURT, GHOSH DEBASHIS, COLE RAMSAY, Newman, Kurt, Ghosh, Debashis, Cole, Ramsay

Принадлежит:

A method, a computer system, and a computer program product for managing inventory for an organization. The computer system identifies human resources data regarding employees of organizations. The human resources data comprises geolocation data based at least partially on a geolocation of the organization and geolocations of the employees. The computer system determines a change in market dynamics relating to a set of geographic regions based at least partially on the human resources data. The computer system identifies transaction data for transactions involving a business merchant within a particular geographic region and a consumer. The computer system generates a suggested inventory for the business merchant. The suggested inventory is based at least partially on the determined change in market dynamics for the set of geographic regions in the transaction data for the business merchant.

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Номер записи: 56

19-05-2016 дата публикации

AUGMENTED REALITY SECURITY FEEDS SYSTEM, METHOD AND APPARATUS

Номер: US20160140759A1

Автор: Debashis Ghosh, Randall Shuken, GHOSH DEBASHIS, SHUKEN RANDALL

Принадлежит:

A system, method, and computer-readable storage medium configured to collect and aggregate images using augmented reality. 1. An augmented reality device method comprising:recording an image with a camera;determining a location of the augmented reality device via a global positioning system (GPS) antenna;determining a direction of the augmented reality device via a gyroscope;determining a date and time with a processor;tagging the image with the date and time, the location and the direction of the augmented reality device with the processor, resulting in a tagged image;transmitting the tagged image to a collection server with a network interface.2. The augmented reality device method of claim 1 , wherein the image is either a video claim 1 , a still picture claim 1 , or a time-lapse image.3. The augmented reality device method of claim 2 , further comprising:tagging the image with an origination identifier.4. The augmented reality device method of claim 3 , further comprising:transmitting the origination identifier with the tagged image.5. The augmented reality device method of claim 4 , wherein the origination identifier identifies either the augmented reality device or a user of the augmented reality device.6. A collection server method comprising:receiving a request with a network interface, the request indicating a requested date, a requested timeframe, and a requested location;searching an image index for images that match the request with a processor, resulting in matched images;retrieving the matched images with the processor;presenting the matched images to a viewer via a display or the network interface.7. The collection server method of claim 6 , further comprising:presenting an orientation of an augmented reality device with the matched images.8. The collection server method of claim 7 , wherein the matched images are associated with an originator identifier that identify either the augmented reality device or a wearer of the augmented reality device.9. ...

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Номер записи: 57

09-04-2013 дата публикации

Market dynamics

Номер: US0008417561B2

Автор: Debashis Ghosh, Kurt Newman, David Joa, Timothy J. Bendel, GHOSH DEBASHIS, NEWMAN KURT, JOA DAVID, BENDEL TIMOTHY J, BENDEL TIMOTHY J.

Принадлежит: Bank of America Corporation, GHOSH DEBASHIS, NEWMAN KURT, JOA DAVID, BENDEL TIMOTHY J, BANK OF AMERICA, BENDEL TIMOTHY J., BANK OF AMERICA CORPORATION

Embodiments of the invention relate to systems, methods, and computer program products for providing a market-dynamics network that assesses social and economic market dynamics in specific geographic regions. For example, the market-dynamics network collects transaction data from a large number of business-merchants across a large number of geographic locations and appends geographic-location identifiers to the collected transaction data. The market-dynamics network then aggregates transaction data in specific geographic regions and, based on the aggregated transaction data, assesses social and economic market dynamics in those geographic regions.

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Номер записи: 58

28-11-2017 дата публикации

Detecting real estate vacancies using satellite imagery

Номер: US0009830724B2

Автор: Debashis Ghosh, Lavern Gilliard, Justin X. Howe, GHOSH DEBASHIS, GILLIARD LAVERN, HOWE JUSTIN X, Ghosh Debashis, Gilliard Lavern, Howe Justin X.

Принадлежит: Mastercard International Incorporated, MASTERCARD INTERNATIONAL INC, MasterCard International Incorporated

A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving, by the computing device, a first satellite image of the first real property location. Additionally, the method includes retrieving, by the computing device, a second satellite image of the first real property location. The method additionally includes generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image. Additionally, the method includes providing the compound image to a user interface, wherein the compound image provides an indication of one or more vacant portions of the first real property location.

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Номер записи: 59

10-11-2005 дата публикации

Heat dissipation element for cooling electronic devices

Номер: US20050247432A1

Автор: Mohinder Bhatti, Ilya Reyzin, Debashis Ghosh, Shrikant Joshi

Принадлежит:

A heat dissipation element for cooling an electronic device is disclosed. The heat dissipation element has a top surface and a bottom surface for mounting the electronic device to be cooled thereto. The top surface defines a heat dissipation area for dissipating heat from the electronic device and a plurality of heat transfer fins project upwardly from the top surface and are coextensive with the heat dissipation area. Each of the heat transfer fins defines a plurality of steps having a rise and a run and each of the steps extend across the heat dissipation area for maximizing an amount of heat dissipated from the electronic device. The heat dissipation element is particularly useful in either one of a cold plate assembly used with a liquid cooled unit (LCU) or a boiler plate assembly used with a thermosiphon cooling unit (TCU).

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Номер записи: 60

30-05-2013 дата публикации

Skin Permeation Device for Analyte Sensing or Transdermal Drug Delivery

Номер: US20130137951A1

Автор: Han Chuang, Juan P. Eslava, James P. Hurley, Debashis Ghosh, Keith Krystyniak, Scott C. Kellogg

Принадлежит: ECHO THERAPEUTICS, INC.

Devices, systems, kits and methods for increasing the skin's permeability controlled by measured skin electrical parameter are described herein. They may be used for transdermal drug delivery and/or analyte extraction or measurement. The controlled abrasion device contains (i) a hand piece, (ii) an abrasive tip, (iii) a feedback control mechanism, (iv) two or more electrodes, and (v) an electrical motor. Preferably the feedback control mechanism is an internal feedback control mechanism. In this embodiment, the abrasive tip contains two electrodes, i.e. both the source electrode and the return electrode. In another embodiment, the feedback control mechanism is an external feedback control. In the preferred embodiment for external feedback control, the device contains a co-axial or concentric arrangement of the two electrodes. In this embodiment, the abrasive tip contains the source electrode and the return electrode is located at the proximal end of the hand piece. The abrasive tip can be made of any material with a surface that can abrade skin. The material can be conductive or non-conductive. The controlled abrasion device may be provided in a kit, where the kit contains the device, one or more abrasive tips, optionally with a wetting fluid. The method for increasing the skin's permeability requires applying the controlled abrasion device to a portion of the skin's surface for a short period of time. The desired level of skin impedance, and thus the resulting permeability of the treated site, can be set at a predetermined value. Alternatively, the level of skin impedance can be selected based on the desired level of skin integrity, the subject's sensation of discomfort, or the duration of the application. The device contains a control mechanism which uses an appropriate algorithm or signal processing on the conductivity information provided by the electrodes to determine when the desired level of skin permeability has been reached. Once the desired ...

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Номер записи: 61

10-01-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0017077117B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 62

06-10-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0027452815B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 63

16-11-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0021029304B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 64

25-08-2011 дата публикации

FINANCIAL TRANSACTION DATA PROFILE

Номер: US20110208588A1

Автор: David Joa, Kerry Cantley, Kurt D. Newman, Debashis Ghosh, JOA DAVID, CANTLEY KERRY, NEWMAN KURT D, GHOSH DEBASHIS, NEWMAN KURT D.

Принадлежит: BANK OF AMERICA

Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile.

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Номер записи: 65

19-12-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0027260210B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 66

06-08-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0026649515B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 67

13-12-2007 дата публикации

Domed heat exchanger (igloo)

Номер: US20070284091A1

Автор: Debashis Ghosh, Mohinder Singh Bhatti, David P. Rusch

Принадлежит:

A heat exchanger assembly for cooling an electronic device comprises a flange, a dome, a plurality of condensing tubes, a shroud and a boiler plate. The dome is semi-cylindrical in shape with flat axial ends. A plurality of spaced condensing tubes is disposed in a plurality of fan rows with each fan row being in a fan plane to facilitate more-efficient heat transfer. The distal ends of each of the condensing tubes are elongated along the associated fan plane to define the fan rows in a fan shape. In other words, each fan row contains one elongated, fan-shaped condensing tube. The condensing tubes in adjacent fan planes terminate in an arch extending concentrically about the center axis at the flat axial ends of the semi-cylindrical dome. The pattern of the elongated condensing tubes resembles the erectile ribs of an igloo.

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Номер записи: 68

15-04-2010 дата публикации

CALCULATING CREDIT WORTHINESS USING TRANSACTIONAL DATA

Номер: US20100094750A1

Автор: Debashis Ghosh, William Anthony Nobii, Arun R. Pinto, Kurt D. Newman, David N. Joffe, Sudeshna Banerjee, GHOSH DEBASHIS, NOBII WILLIAM ANTHONY, PINTO ARUN R, NEWMAN KURT D, JOFFE DAVID N, BANERJEE SUDESHNA, PINTO ARUN R., NEWMAN KURT D., JOFFE DAVID N.

Принадлежит: BANK OF AMERICA CORPORATION

Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.

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Номер записи: 69

01-12-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0021944125B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 70

24-06-2010 дата публикации

Facility Access Integrated With Other Security Systems

Номер: US20100156591A1

Автор: Kurt D. Newman, Debashis Ghosh, Michael James O'Hagan, David Joa, Timothy J. Bendel, NEWMAN KURT D, GHOSH DEBASHIS, O'HAGAN MICHAEL JAMES, JOA DAVID, BENDEL TIMOTHY J, NEWMAN KURT D., BENDEL TIMOTHY J.

Принадлежит: BANK OF AMERICA

Systems and methods for integrating facility access with other security systems are described. An individual seeking access authorization to a facility may be identified with a biometric parameter such as an iris scan. If authorized, the system may allow entry by disabling the alarm system, and a time period for access may be determined based on one or more characteristics associated with the individual. These characteristics may include the functional role of the individual at the facility and/or the location of the facility itself. Moreover, this facility access authorization system may be integrated with a network access authorization system associated with the facility so that when an individual gains access to the facility for a specific time period, the system is also able to determine how long the individual may access its network resources.

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Номер записи: 71

22-02-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0024052819B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 72

22-10-2013 дата публикации

Apparatus and methods for facts based trading

Номер: US0008566217B2

Автор: Debashis Ghosh, David Joa, Kurt D. Newman, Thayer Allison, Sudeshna Banerjee, Mark Krein, GHOSH DEBASHIS, JOA DAVID, NEWMAN KURT D, ALLISON THAYER, BANERJEE SUDESHNA, KREIN MARK, NEWMAN KURT D.

Принадлежит: Bank of America Corporation, GHOSH DEBASHIS, JOA DAVID, NEWMAN KURT D, ALLISON THAYER, BANERJEE SUDESHNA, KREIN MARK, BANK OF AMERICA, NEWMAN KURT D., BANK OF AMERICA CORPORATION

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.

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Номер записи: 73

24-02-2005 дата публикации

Cooling assembly

Номер: US20050039881A1

Автор: Ilya Reyzin, Mohinder Bhatti, Debashis Ghosh

Принадлежит:

A cooling assembly having a base plate and a condenser plate. An outer wall interconnects the base plate to the condenser plate to define a sealed chamber with a working fluid being disposed within the sealed chamber. Intersecting partition walls are mounted to the condenser plate and are angled downwardly toward the base plate for directing working fluid on the condenser plate down a corner of the walls toward a portion of the base plate. Preferably, the base plate defines a first circumference and the condenser plate defines a second circumference larger than the first circumference such that the outer wall has an angled configuration extending between the base plate and the condenser plate to provide a larger area within the sealed chamber for a vapor phase of the working fluid than a liquid phase of the working fluid.

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Номер записи: 74

17-11-2016 дата публикации

SYSTEMS AND METHODS FOR CONTROLLING ACCESS TO LOCATION BASED DATA

Номер: US20160337332A1

Автор: Debashis Ghosh, GHOSH DEBASHIS, Ghosh Debashis

Принадлежит:

A method for controlling access to data displayed by an information services portal on a user device is provided. The method includes receiving a candidate login input corresponding to a user. The method further includes comparing the candidate login input to a list of login entries stored in the memory, each of the stored login entries having a corresponding code segment, each code segment defining a bounding area defining a geographic area. The method further includes retrieving from the memory a selected code segment corresponding to the stored login entry matching the candidate login input, and applying a geographic restriction to the data set by processing the selected code segment. The method further includes transmitting a data subset of the data set to the user computing device for display, the data subset including data satisfying the geographic restriction.

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Номер записи: 75

11-05-2021 дата публикации

Method and system for predicting and indexing probability of financial stress

Номер: US0011004156B2

Автор: Kurt Newman, Debashis Ghosh, Ramsay Cole, NEWMAN KURT, GHOSH DEBASHIS, COLE RAMSAY, Newman, Kurt, Ghosh, Debashis, Cole, Ramsay

Принадлежит: ADP, LLC, ADP LLC

A method, computer system, and computer program product that aggregates data regarding a plurality of factors correlated with income; performs iterative analysis on the data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted income values for a selected range of housing costs; converts the predicted income values in the database into percentages of observed income values for a selected group of people within the selected range of housing costs over a specified time period to create indices of financial stress; and rank orders the people within the selected group according to their indices of financial stress.

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Номер записи: 76

03-08-2017 дата публикации

SYSTEMS AND METHODS FOR CREATING AN OPTIONS PROGRAM USING PAYMENT TRANSACTIONS PERFORMED WITHIN A GEOGRAPHIC SECTOR

Номер: US20170221085A1

Автор: Debashis Ghosh, Scott Hudson, Manash Bhattacharjee, GHOSH DEBASHIS, HUDSON SCOTT, BHATTACHARJEE MANASH, Ghosh Debashis, Hudson Scott, Bhattacharjee Manash

Принадлежит:

A computer-implemented method for creating and managing an options program associated with payment transactions initiated in a geographic sector is described herein. The method is implemented using an analytics evaluation and management (AEM) computing device. The method includes storing a sector score associated with the geographic sector, the sector store ranking one or more financial characteristics of a plurality of merchants located in the sector. The method also includes generating an investment instrument including one or more parameters associated with the sector score, and transmitting a program initiation signal to a program interface (PI) computing device configured to maintain a virtual commodity market. The program initiation signal includes instructions causing the PI computing device to display the investment instrument on a user computing device, and provide a user of the user computing device an option to purchase the investment instrument.

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Номер записи: 77

16-09-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0025047267B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 78

06-10-2020 дата публикации

Systems and methods for passively determining a ratio of purchasers and prospective purchasers in a merchant location

Номер: US0010796320B2

Автор: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel, GHOSH DEBASHIS, SHUKEN RANDY, LESBIREL MARY ELIZABETH, Ghosh, Debashis, Shuken, Randy, Lesbirel, Mary Elizabeth

Принадлежит: MASTERCARD INTERNATIONAL INCORPORATED, MASTERCARD INTERNATIONAL INC, MasterCard International Incorporated

A method and system for determining a status of a visitor to a physical location and associated with a handheld device using a computer device coupled to a database are provided. The method includes receiving, by the processor, a hello message from a radio associated with one or more handheld devices, capturing a unique identifier of the handheld device from the received hello message, determining visitor geographic information based on the captured unique identifier and a determined signal strength of the hello message, and outputting the visitor information.

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Номер записи: 79

03-11-2016 дата публикации

ENABLING DISTRIBUTION OF DIGITAL PICTURES

Номер: US20160321717A1

Автор: Manash Bhattacharjee, Debashis Ghosh, Randy Shuken, BHATTACHARJEE MANASH, GHOSH DEBASHIS, SHUKEN RANDY, Bhattacharjee Manash, Ghosh Debashis, Shuken Randy

Принадлежит:

A mobile computing device configured for enabling distribution of digital pictures is provided. Additionally, a method for enabling distribution of digital pictures and a computer-readable storage medium having computer-executable instructions embodied thereon for enabling distribution of digital pictures are provided.

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Номер записи: 80

07-09-2010 дата публикации

Offset optimization system

Номер: US0007792727B2

Автор: Debashis Ghosh, Yanghong Shao, David Joa, Kurt Newman, Sudeshna Banerjee, Thayer Allison, Arun Pinto, Preston Wesley Ports, III, Mark Krein, GHOSH DEBASHIS, SHAO YANGHONG, JOA DAVID, NEWMAN KURT, BANERJEE SUDESHNA, ALLISON THAYER, PINTO ARUN, PORTS III PRESTON WESLEY, KREIN MARK, PORTS, III PRESTON WESLEY

Принадлежит: Bank of America Corporation, BANK OF AMERICA, BANK OF AMERICA CORPORATION

Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.

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Номер записи: 81

10-08-2021 дата публикации

Systems and methods for controlling access to location based data

Номер: US0011087343B2

Автор: Debashis Ghosh, GHOSH DEBASHIS, Ghosh, Debashis

Принадлежит: MASTERCARD INTERNATIONAL INCORPORATED, MASTERCARD INTERNATIONAL INC

A method for controlling access to data displayed by an information services portal on a user device is provided. The method includes receiving a candidate login input corresponding to a user. The method further includes comparing the candidate login input to a list of login entries stored in the memory, each of the stored login entries having a corresponding code segment, each code segment defining a bounding area defining a geographic area. The method further includes retrieving from the memory a selected code segment corresponding to the stored login entry matching the candidate login input, and applying a geographic restriction to the data set by processing the selected code segment. The method further includes transmitting a data subset of the data set to the user computing device for display, the data subset including data satisfying the geographic restriction.

Подробнее

Номер записи: 82

26-06-2012 дата публикации

Facility access integrated with other security systems

Номер: US0008207815B2

Автор: Kurt D. Newman, Debashis Ghosh, Michael James O'Hagan, David Joa, Timothy J. Bendel, NEWMAN KURT D, GHOSH DEBASHIS, O'HAGAN MICHAEL JAMES, JOA DAVID, BENDEL TIMOTHY J, NEWMAN KURT D., BENDEL TIMOTHY J.

Принадлежит: Bank of America Corporation, NEWMAN KURT D, GHOSH DEBASHIS, O'HAGAN MICHAEL JAMES, JOA DAVID, BENDEL TIMOTHY J, BANK OF AMERICA, NEWMAN KURT D., BENDEL TIMOTHY J., BANK OF AMERICA CORPORATION

Systems and methods for integrating facility access with other security systems are described. An individual seeking access authorization to a facility may be identified with a biometric parameter such as an iris scan. If authorized, the system may allow entry by disabling the alarm system, and a time period for access may be determined based on one or more characteristics associated with the individual. These characteristics may include the functional role of the individual at the facility and/or the location of the facility itself. Moreover, this facility access authorization system may be integrated with a network access authorization system associated with the facility so that when an individual gains access to the facility for a specific time period, the system is also able to determine how long the individual may access its network resources.

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Номер записи: 83

13-04-2017 дата публикации

SYSTEMS AND METHODS FOR DETERMINING CURRENTLY AVAILABLE CAPACITY FOR A SERVICE PROVIDER

Номер: US20170103374A1

Автор: Manash Bhattacharjee, Debashis Ghosh, Randy Shuken, BHATTACHARJEE MANASH, GHOSH DEBASHIS, SHUKEN RANDY, Bhattacharjee Manash, Ghosh Debashis, Shuken Randy

Принадлежит:

A computer-based method for reporting capacity for a merchant is provided. The method is implemented using a capacity monitoring (CM) computing device, and includes receiving merchant data for a merchant via a merchant computing device and payment transaction data for a transaction performed at the merchant via a point-of-sale (POS) computing device, wherein merchant data includes an average consumer count and a total occupancy count. The method also includes calculating a peak transaction count for the merchant for a predetermined time period and a current transaction count corresponding to a current transaction time included within the predetermined time period. The method also includes determining a capacity count for the predetermined time period based on the peak transaction count, the current transaction count, and average consumer count, and transmitting the capacity count to a consumer computing device, wherein the capacity count indicates a remaining consumer capacity for the merchant. 1. A computer-based method for reporting capacity for a merchant , the method implemented using a capacity monitoring (CM) computing device in communication with a processor and a memory device , the method comprising:receiving, by the CM computing device, merchant data for a merchant via a merchant computing device, wherein merchant data includes an average consumer count and a total occupancy count;receiving, by the CM computing device, payment transaction data for at least one transaction performed at the merchant via a point-of-sale (POS) computing device;calculating, by the CM computing device, a peak transaction count for the merchant for a predetermined time period;calculating, by the CM computing device, a current transaction count corresponding to a current transaction time included within the predetermined time period;determining, by the CM computing device, a capacity count for the predetermined time period based, at least in part, on the peak transaction count, ...

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Номер записи: 84

31-03-2016 дата публикации

APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR EXTRACTING INSIGHTS FROM BILL PRESENTMENT DATA

Номер: US20160092981A1

Автор: Debashis Ghosh

Принадлежит:

Access is obtained to a database of bill presentment data in an electronic bill presentment system connecting a plurality of customers with a plurality of billers. At least some of the billers are payment card issuers. At least one presentment record for at least one of the customers is extracted from the database of bill presentment data. Based on the at least one presentment record for the at least one of the customers, at least one of credit worthiness of the at least one of the customers and payment history of the at least one of the customers is determined. 1. A method comprising the steps of:obtaining access to a database of bill presentment data in an electronic bill presentment system connecting a plurality of customers with a plurality of billers, at least some of said billers comprising payment card issuers;extracting from said database of bill presentment data at least one presentment record for at least one of said customers; anddetermining, based on said at least one presentment record for said at least one of said customers, at least one of credit worthiness of said at least one of said customers and payment history of said at least one of said customers.2. The method of claim 1 , wherein said obtaining claim 1 , extracting claim 1 , and determining steps are carried out by an operator of said electronic bill presentment system.3. The method of claim 2 , further comprising making said at least one of credit worthiness of said at least one of said customers and payment history of said at least one of said customers available to at least one of said payment card issuers.4. The method of claim 1 , wherein said at least one of credit worthiness of said at least one of said customers and payment history of said at least one of said customers comprises at least an indication that said at least one of said customers is not prioritizing payments to at least one of said billers claim 1 , further comprising said at least one of said billers offering said at ...

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Номер записи: 85

01-10-2019 дата публикации

Systems and methods for transaction messaging using social networking platforms

Номер: US0010432570B2

Автор: Debashis Ghosh, Manash Bhattacharjee, GHOSH DEBASHIS, BHATTACHARJEE MANASH, Ghosh, Debashis, Bhattacharjee, Manash

Принадлежит: Mastercard International Incorporated, MASTERCARD INTERNATIONAL INC, MasterCard International Incorporated

A computer-implemented method for processing transaction messages using a social network platform between a requestor and a responder is provided. The method includes receiving a social network message including an item request and a predefined hashtagged identifier. The method further includes transmitting the social network message to one or more registered providers. The method also includes receiving a confirmation from a first registered provider of the one or more registered providers that the first registered provider will provide the requested item. The method further includes transmitting payment information for the item request to a payment processor. The method also includes transmitting a notification to the first registered provider to provide the requested item.

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Номер записи: 86

06-03-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0022212315B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

Подробнее

Номер записи: 87

11-01-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0026979853B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 88

20-01-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0021478325B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 89

29-11-2007 дата публикации

Impingement cooled heat sink with low pressure drop

Номер: US20070272392A1

Автор: Debashis Ghosh, Mohinder Singh Bhatti

Принадлежит:

Two embodiments of a heat exchanger assembly for cooling an electronic device are shown respectively in FIGS. 1 and 3 and each comprises a housing, a plurality of high fins, a plurality of low fins, a nozzle plate, an inlet, at least one outlet, a primary nozzle, and a plurality of secondary nozzles. In the first embodiment shown in FIG. 1, the housing and the nozzle plate are circular in shape. In the second embodiment shown in FIG. 3, the housing and the nozzle plate are rectangular in shape. Both embodiments include a plurality of secondary nozzles that are aligned outwardly of the primary nozzle and the center axis of the nozzle plate. The secondary nozzles direct the flow of the cooling liquid outwardly of the primary nozzle from the center thus creating an overall system pressure drop lower than that of other assemblies without a plurality of secondary nozzles.

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Номер записи: 90

10-03-2020 дата публикации

Method and system for providing merchant referrals to consumers

Номер: US0010586268B2

Автор: Debashis Ghosh, Randall K. Shuken, GHOSH DEBASHIS, SHUKEN RANDALL K, Ghosh, Debashis, Shuken, Randall K.

Принадлежит: MASTERCARD INTERNATIONAL INCORPORATED, MASTERCARD INTERNATIONAL INC, Mastercard International Incorporated

A method for processing a consumer referral includes: storing, a plurality of location data entries, each entry including data related to a geographic location including a location identifier and location data; storing a plurality of referral data entries, each entry including data related to a referral including a referral identifier and one or more specific location identifiers; receiving a referral request, the request including a specific referral identifier encoded in a machine-readable code displayed at a specific geographic location associated with the specific referral identifier; identifying a specific referral data entry where the included referral identifier corresponds to the specific referral identifier; identifying a specific location data entry where the included location identifier corresponds to one of the one or more specific location identifiers included in the identified specific referral data entry; and transmitting the location data included in the identified specific ...

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Номер записи: 91

09-04-2013 дата публикации

Apparatus and methods for facilitating real estate transactions

Номер: US0008417625B2

Автор: Sudeshna Bannerjee, Robert Caruso, Michael Kelly, Kim Barbour, Debashis Ghosh, Robert Mauldin, Robert Huber Eshleman, Timothy O'Brien, BANNERJEE SUDESHNA, CARUSO ROBERT, KELLY MICHAEL, BARBOUR KIM, GHOSH DEBASHIS, MAULDIN ROBERT, ESHLEMAN ROBERT HUBER, O'BRIEN TIMOTHY

Принадлежит: Bank of America Corporation, BANNERJEE SUDESHNA, CARUSO ROBERT, KELLY MICHAEL, BARBOUR KIM, GHOSH DEBASHIS, MAULDIN ROBERT, ESHLEMAN ROBERT HUBER, O'BRIEN TIMOTHY, BANK OF AMERICA, BANK OF AMERICA CORPORATION

Apparatus and methods for approving financing for the sale of real estate. The apparatus and methods may involve receiving from a seller, or a seller's agent, information regarding the property so that a financial institution can determine a loan amount before the seller is engaged by a buyer. The financial institution may order from vendors documentation and certification desired or required for closing. The financial institution may issue a seal certifying that the financial institution has pre-approved a loan in a stated amount. The amount may be subject to change based on the qualifications of a buyer.

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Номер записи: 92

04-08-2011 дата публикации

Environmental Adjustments Using Biometrics

Номер: US20110187500A1

Автор: Kurt D. Newman, David Joa, Debashis Ghosh, Timothy J. Bendel, Mark V. Krein, NEWMAN KURT D, JOA DAVID, GHOSH DEBASHIS, BENDEL TIMOTHY J, KREIN MARK V, NEWMAN KURT D., BENDEL TIMOTHY J., KREIN MARK V.

Принадлежит: Bank of America Corporation

Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.

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Номер записи: 93

31-03-2009 дата публикации

Heat dissipation element for cooling electronic devices

Номер: US0007509995B2

Автор: Mohinder Singh Bhatti, Ilya Reyzin, Debashis Ghosh, Shrikant Mukund Joshi, BHATTI MOHINDER SINGH, REYZIN ILYA, GHOSH DEBASHIS, JOSHI SHRIKANT MUKUND

Принадлежит: Delphi Technologies, Inc., DELPHI TECH INC, DELPHI TECHNOLOGIES, INC.

A heat dissipation element for cooling an electronic device is disclosed. The heat dissipation element has a top surface and a bottom surface for mounting the electronic device to be cooled thereto. The top surface defines a heat dissipation area for dissipating heat from the electronic device and a plurality of heat transfer fins project upwardly from the top surface and are coextensive with the heat dissipation area. Each of the heat transfer fins defines a plurality of steps having a rise and a run and each of the steps extend across the heat dissipation area for maximizing an amount of heat dissipated from the electronic device. The heat dissipation element is particularly useful in either one of a cold plate assembly used with a liquid cooled unit (LCU) or a boiler plate assembly used with a thermosiphon cooling unit (TCU).

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Номер записи: 94

17-11-2016 дата публикации

SYSTEMS AND METHODS FOR DETERMINING AN IMPACT EVENT ON A SECTOR LOCATION

Номер: US20160335649A1

Автор: Debashis Ghosh, Todd Woodruff, Manash Bhattacharjee, GHOSH DEBASHIS, WOODRUFF TODD, BHATTACHARJEE MANASH, Ghosh Debashis, Woodruff Todd, Bhattacharjee Manash

Принадлежит:

A method for generating and providing aggregated and analyzed merchant analytics for a sector is provided. The method includes defining a plurality of sectors and receiving transaction data for financial transactions associated with merchants and occurring within a period of time. The merchants are located in a sector. The method further includes generating aggregated merchant analytics for each sector based on the transaction data associated with all merchants located in the sector, identifying an impact event based on the aggregated data, and retrieving related content. The method further includes displaying on a user interface of the user computing device a graphical representation of the aggregated merchant analytics and the content associated with the impact event.

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Номер записи: 95

24-10-2019 дата публикации

MARKET ANALYSIS SYSTEM

Номер: US20190325465A1

Автор: Kurt Newman, Debashis Ghosh, Robert Wohlers, NEWMAN KURT, GHOSH DEBASHIS, WOHLERS ROBERT, Newman, Kurt, Ghosh, Debashis, Wohlers, Robert

Принадлежит:

A method, a computer system, and a computer program product for predicting changes in market dynamics for a geographic region. A computer system identifies human resource data regarding employees of organizations. The human resource data comprises geolocation data based at least partially on a geolocation of the organization and geolocations of the employees. The computer system generates a plurality of location aggregates for different combinations of dimensions of the human resource data across a plurality of different geolocations. The computer system identifies a set of matched markets for a particular geographic region based on similarities among facts for the different combinations of dimensions among the plurality of location aggregates. The computer system identifies a predicted change in market dynamics for the particular geographic region based on a change in market dynamics for the set of matched markets. The computer system digitally presents the predicted change in market dynamics ...

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Номер записи: 96

17-06-2010 дата публикации

Itеmizеd rесеipt trасking sуstеm

Номер: US0024867216B1

Автор: Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee

Принадлежит: Bank of America Corporation

Еmbоdimеnts оf thе prеsеnt invеntiоn аrе dirесtеd tо аppаrаtusеs, sуstеms, mеthоds, аnd соmputеr prоgrаm prоduсts fоr: (1) rесеiving trаnsасtiоn dаtа frоm а trаnsасtiоn invоlving а соnsumеr, whеrе thе trаnsасtiоn dаtа соmprisеs prоduсt-lеvеl infоrmаtiоn; (2) stоring thе trаnsасtiоn dаtа in mеmоrу; аnd/оr (3) pоsting thе trаnsасtiоn dаtа tо аn ассоunt ассеssiblе tо thе соnsumеr.

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Номер записи: 97

05-12-2006 дата публикации

Heat sink for an electronic device

Номер: US0007143816B1

Автор: Debashis Ghosh, Mohinder Singh Bhatti, Ilya Reyzin, Mark Joseph Parisi, GHOSH DEBASHIS, BHATTI MOHINDER SINGH, REYZIN ILYA, PARISI MARK JOSEPH

Принадлежит: Delphi Technologies, Inc., DELPHI TECH INC, DELPHI TECHNOLOGIES, INC.

A heat sink for an electrical device is distinguished by a confining plate extending parallel to and along each lateral side of fins and extending upwardly from a top surface of a base to a bottom surface of a lid to define an outlet-chamber extending from the outer ends of the fins and outside of the fins back toward a vertical nozzle. A cylindrical outlet is disposed on the inlet axis outwardly of each of the confining plates for directing fluid flow on each side of the fins. The outer wall presents a pair of oppositely facing apexes and the outer wall curves outwardly from each apex in opposite directions in a generally heart-shape around and spaced from the fins and back into the outlets to define the outlet-chambers which increase in volume from the ends of the fins back toward the outlets to reduce the fluid pressure. In an alternative embodiment, a horizontal nozzle is disposed between each of the outlets and the vertical nozzle for directing fluid flow horizontally into the fluid ...

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Номер записи: 98

02-02-2012 дата публикации

COMPREHENSIVE EXPOSURE ANALYSIS SYSTEM AND METHOD

Номер: US20120029956A1

Автор: Banerjee Sudeshna, Ghosh Debashis, JOA David, Kagade Hemant, Marcotte Ivan Allen, Miller Randall John, Scowcroft John Arthur

Принадлежит: Bank of America Corporation

Embodiments of the invention allow an institution to obtain a more comprehensive view of its exposure to one or more entities or groups of entities and, in some cases, to use this information to identify opportunities for and/or risks to the institution. For example, embodiments of the invention involve systems and methods for: (1) selecting an entity; (2) determining exposure to the entity in isolation; (3) determining one or more related entities based on transaction data associated with the selected entity; (4) determining exposure to the one or more related entities; and (5) combining the exposure data for the selected entity and the related entities to obtain comprehensive exposure metrics for the selected entity. Some embodiments of the invention further involve aggregating the comprehensive entity exposure metrics for several entities based on entity characteristics to create other exposure metrics, and then displaying exposure metrics to a user on a display based on user-selected entities or entity characteristics. 1. An apparatus comprising:a memory comprising account information stored therein about a plurality of accounts, the account information comprising transaction information and exposure information for each of the plurality of accounts; and identify a selected entity,', 'use the transaction information to identify one or more related entities that are related to the selected entity,', 'use the account information to identify exposure information for the one or more related entities, and', 'determine a comprehensive view of the exposure to the selected entity based at least in part on the exposure information of the one or more related entities., 'a processor communicably coupled to the memory, the processor configured to2. The apparatus of claim 1 , wherein the processor is configured to:use the account information to identify information about direct exposure to the selected entity in isolation; anddetermine the comprehensive view of the exposure ...

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Номер записи: 99

02-08-2012 дата публикации

DYNAMIC SAVINGS ALLOCATION METHOD AND PURCHASING MODEL

Номер: US20120197689A1

Автор: Ghosh Debashis, Hunter Chad, Nagarajan Srinath, Nygren Christopher

Принадлежит: Bank of America Corporation

A system and method for providing a dynamic savings allocation account. The dynamic savings allocation account includes customer-defined savings categories within the account that act as sub-accounts. The customer may create savings categories and set parameters such as the goal amount to be reached, the time to reach the goal, how much or what percentage to be allocated to each category per deposit, etc. As the customer deposits funds into the dynamic savings allocation account, the deposit is automatically allocated to each savings category as defined by the customer. As goals are reached, customers may opt to take advantage of group purchasing benefits offered by the financial institution for some in-demand items. Alternatively, the financial institution, in partnering with third-party vendors may perform targeted sales campaigns. 1. A method for providing financial services by a financial institution , the method comprising:establishing, for a plurality of financial institution customers, a dynamic savings allocation account, wherein, within the account, each customer may form one or more savings categories; andcreating a customer demand database from data obtained from the plurality of customers' savings categories.2. The method of claim 1 , further comprising communicating with one or more third-party vendors claim 1 , information from the customer demand database.3. The method of claim 1 , further comprising obtaining group purchase benefits for one or more products or services based at least in part on information in the customer demand database.4. The method of claim 3 , wherein the group purchase benefit for at least one product or service is a discount on the price of the product of service.5. The method of claim 1 , wherein upon forming one or more savings categories claim 1 , each customer may opt to restrict use of the funds for at least one of the one or more savings categories to be required to be utilized in purchasing a desired product or service.6 ...

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Номер записи: 100

02-08-2012 дата публикации

Geo-Enabled Access Control

Номер: US20120198570A1

Автор: Ghosh Debashis, JOA David

Принадлежит: Bank of America Corporation

Aspects described herein provide methods and systems that monitor mobile data processing devices used for remote access to a computer network or system, and allowing or preventing access to the computer system or network based at least in part on a determined geographical location of the mobile device. Different datasets stored on the network or system might have different geographical limitations associated with each. Different users also might have different geographic access limitations for the same dataset. User location may be based on GPS information associated with the device from which the user is attempting access, based on Wi-Fi, triangulation, or the like, or may be based on a photograph taken by the remote access device contemporaneously with the access request. 1. A method , comprising:receiving a request from a first portable access device for a first user to access a first dataset stored in a financial services network;determining a current location of the first portable access device;querying a location database to determine whether the current location of the first portable access device is an authorized location for the first user to access the first dataset in the financial services network;when the current location of the first portable access device is determined not to be an authorized location for the first user to access the first dataset, denying access to the first dataset; and granting the first user access to the first dataset via the first portable access device,', 'periodically determining a new current location of the first portable access device, and', 'terminating access to the first dataset when the new current location of the first portable access device is not an authorized location for the first user to access the first dataset., 'when the current location of the first portable access device is determined to be an authorized location for the first user to access the first dataset2. The method of claim 1 , further comprising: ...

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Номер записи: 101

21-03-2013 дата публикации

SYSTEM AND METHOD FOR ELECTRONIC TRADING BASED UPON INFLUENCE

Номер: US20130073620A1

Автор: Ghosh Debashis

Принадлежит: IDIYAS, LLC

The present invention provides methods and systems for electronic trading that includes providing a server and at least one user terminal that is coupled to the server. A first user having a first user profile and a plurality of second users having a plurality of second user profiles. The server accesses a social media platform of the first user with the at least one user terminal and calculates influence of the first user and provides a quantity of trading currency for use by the first user. The influence of the second user profiles are calculated and assigned a quantity of trading currency to the second user profiles based upon the calculated influence. The first user is able to buy shares of the second user profiles. 1. A method of electronic trading , comprising:providing a server and at least one user terminal that is coupled to the server, a first user having a first user profile and a plurality of second users having a plurality of second user profiles;accessing a social media platform of the first user with the at least one user terminal;calculating influence of the user and providing a quantity of trading currency for use by the first user;calculating influence of the second user profiles and assigning a quantity of trading currency to the second user profiles based upon the calculated influence; andbuying shares of the second user profiles by the first user.2. The method of electronic trading of claim 1 , further comprising the first user profile that contains a quantity of followers claim 1 , a quantity of user's following claim 1 , a list and calculating the difference between quantity of followers and the quantity following claim 1 , plus 10 times list and divided a decay factor.3. The method of electronic trading of claim 1 , wherein the social media platform is Twitter®.4. The method of electronic trading of claim 1 , further comprising the first user offering to sale shares electronically to a third user.5. The method of electronic trading of claim 1 ...

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Номер записи: 102

20-06-2013 дата публикации

SUBSTITUTED ANDROST-4-ENE DIONES

Номер: US20130157988A1

Автор: Davies Huw, Ghosh Debashis, Morton Daniel

Принадлежит:

The disclosure relates to novel C4 and C6 substituted androst-4-ene diones as well as andros-1,4-diene diones and derivatives thereof, their process of preparation, pharmaceutical compounds containing them, and the use of said compounds for the treatment of hormone-related disorders in mammals. This includes hormone-dependent cancers, particularly those caused by elevated levels of estrogen and its intermediates. These compounds can also be used in the treatment of other hormone-related disorders, including benign prostatic hyperplasia, cardiovascular disease, and neurodegenerative disorders. 3. A compound of claim 1 , wherein R′ is an alkyl substituted with an optionally substituted aryl group.4. A compound of claim 1 , wherein R′ is alkenyl or alkynyl optionally substituted with one or more substituents.5. A compound of claim 1 , wherein the substituent is selected from OH claim 1 , phenyl claim 1 , benzyl claim 1 , naphthyl claim 1 , substituted aryl claim 1 , or Cto Calkyl group.6. The compound of claim 1 , wherein the substituent is selected from aryl claim 1 , substituted aryl claim 1 , heterocyclo claim 1 , substituted heterocyclo claim 1 , carbocyclo claim 1 , substituted carbocyclo claim 1 , or halo.7. The compound of claim 1 , wherein the substituent is selected from alkoxy (optionally substituted) claim 1 , aryloxy (optionally substituted) claim 1 , alkylester (optionally substituted) claim 1 , arylester (optionally substituted) claim 1 , alkanoyl (optionally substituted) claim 1 , or aryol (optionally substituted).8. The compound of claim 1 , selected from the list:(6R,8R,9S,10R,13S,14S)-10,13-dimethyl-6-(pentyloxy)-7,8,9,10,11,12,13,14,15,16-decahydro-3H-cyclopenta[a]phenanthrene-3,17(6H)-dione;(6R,8R,9S,10R,13S,14S)-10,13-dimethyl-6-((E)-pent-2-en-1-yloxy)-7,8,9,10,11,12,13,14,15,16-decahydro-3H-cyclopenta[a]phenanthrene-3,17(6H)-dione;(6R,8R,9S,10R,13S,14S)-10,13-dimethyl-6-(((Z)-pent-2-en-1-yloxy)-7,8,9,10,11,12,13,14,15,16-decahydro-3H-cyclopenta[a] ...

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Номер записи: 103

11-07-2013 дата публикации

BUILDING AND USING AN INTELLIGENT LOGICAL MODEL OF EFFECTIVENESS OF MARKETING ACTIONS

Номер: US20130179255A1

Автор: Ghosh Debashis, JOA David, Mann Thomas

Принадлежит: Bank of America Corporation

Embodiments of the invention are directed to receiving one or more triggers associated with a customer of a financial institution, determining, using one or more processing devices running an intelligent logical model, one or more weightings, each of the one or more weightings corresponding to one of the one or more triggers, applying the weighting to each of the one or more triggers resulting in one or more weighted triggers, and determining, based on at least one of the weighted triggers, a marketing action to initiate. In some embodiments, the invention is also directed to initiating the determined marketing action, receiving feedback corresponding with the customer of the financial institution, the feedback also corresponding to the determined marketing action, inputting the customer feedback to the intelligent logical model, and associating the feedback with the one or more triggers and the determined one or more weightings. 1. A method comprising:receiving one or more triggers associated with a customer of a financial institution;determining, using one or more processing devices running an intelligent logical model, one or more weightings, each of the one or more weightings corresponding to one of the one or more triggers;applying the weighting to each of the one or more triggers resulting in one or more weighted triggers; anddetermining, based on at least one of the weighted triggers, a marketing action to initiate.2. The method of claim 1 , further comprising:initiating the determined marketing action.3. The method of claim 2 , further comprising:receiving feedback corresponding with the customer of the financial institution, the feedback also corresponding to the determined marketing action.4. The method of claim 3 , further comprising:inputting the customer feedback to the intelligent logical model; andassociating the feedback with the one or more triggers and the determined one or more weightings such that, when one or more second triggers similar to the ...

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Номер записи: 104

14-11-2013 дата публикации

BIOMETRIC AUTHENTICATION FOR VIDEO COMMUNICATION SESSIONS

Номер: US20130305337A1

Автор: "OHagan Michael James", BENDEL Timothy J., Ghosh Debashis, JOA David, Newman Kurt D.

Принадлежит:

Systems and methods for integrating biometric authentication with video conference sessions are described. An individual seeking to participate in a video conference may first be identified with a biometric parameter such as an iris scan based on a comparison of the scanned iris with a database of stored parameters. If authorized, the system may connect the individual to the video session. In addition, the system may generate dynamic tags that allow the participants to identify and locate individuals in the video conference. For example, if one of the participants is speaking and moving within the room, her tag may change color and move with her on the video screen. 1. A computer implemented method , comprising:at a processor, scanning a biometric parameter of an individual;at a processor, determining whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters for a plurality of individuals;at a processor, identifying the individual based upon the stored biometric parameter;determining whether the identified individual is authorized to participate in a video conference; andif authorized, at processor, connecting the identified individual to the video conference.2. The computer implemented method of claim 1 , wherein the scanning of the biometric parameter is one-sided.3. The computer implemented method of claim 1 , wherein the scanning of the biometric parameter is multi-sided.4. The computer implemented method of claim 1 , wherein the biometric parameter is an iris scan.5. The computer implemented method of claim 1 , further comprising generating a computer generated graphical tag for the individual at the video conference.6. The computer implemented method of claim 5 , further comprising displaying the computer generated graphical tag for the individual on a video conferencing screen.7. The computer implemented method of claim 6 , wherein computer generated graphical tags are ...

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Номер записи: 105

26-12-2013 дата публикации

Air stream velocity control for ventilation system

Номер: US20130344791A1

Автор: Debashis Ghosh, Mingyu Wang, Prasad S. Kadle

Принадлежит: Delphi Technologies Inc

A system and a method of controlling a ventilation or HVAC system that is configured to provide an air stream having a comfortable contact velocity to an occupant seated in a vehicle cabin. The system includes a sensor to determine the distance from a discharge nozzle to the vehicle occupant and a controller to control the exit velocity and/or an effective diameter of the nozzle. The sensor may use ultrasonic, infrared, LIDAR, or RADAR technology to determine distance. The system may determine the distance from the nozzle to the occupant based on a seat location determined by a seat location sensor. The seat location sensor may be common to an inflatable restraint (air bag) system.

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Номер записи: 106

10-04-2014 дата публикации

HEATING AND COOLING SYSTEM FOR OCCUPANTS OF THE REAR PORTION OF A VEHICLE

Номер: US20140096945A1

Автор: Ghosh Debashis, KADLE PRASAD S., Wang Mingyu

Принадлежит: DELPHI TECHNOLOGIES, INC.

A heating, ventilation, and air conditioning (HVAC) system configured for use in a vehicle to provide a perceived comfortable thermal environment to an occupant seated in a rear portion of a vehicle cabin. A heat exchanger provides a first airstream characterized as having a first temperature to an air moving device configured to generate a second airstream characterized as having a second temperature. The second airstream comprises a mixture of the first airstream and cabin air drawn from the rear portion of the vehicle cabin. The air moving device may be disposed in the rear portion of the vehicle. The HVAC system further includes a nozzle that may be configured to direct the second airstream toward an occupant in the rear portion of the vehicle cabin to provide spot conditioning. 1. A heating , ventilation , and air conditioning system configured for use in a vehicle to provide a perceived comfortable thermal environment to an occupant seated in a rear portion of a vehicle cabin , said system comprising:a heat exchanger disposed in a front portion of the vehicle, said heat exchanger configured to provide a first airstream characterized as having a first temperature;an air moving device configured to generate a second airstream characterized as having a second temperature, wherein the second airstream comprises a mixture of the first airstream and cabin air drawn from the rear portion of the vehicle cabin; anda nozzle configured to direct the second airstream toward a location in the rear portion of the vehicle cabin.2. The system of claim 1 , wherein any heat exchanger included in said system is located in the front portion of the vehicle.3. The system of claim 1 , wherein the air moving device is disposed in the rear portion of the vehicle.4. The system of claim 1 , wherein said air moving device includes a mixing box configured to mix the first airstream with the cabin air to form the second airstream.5. The system of claim 4 , wherein the mixing box is ...

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Номер записи: 107

07-01-2016 дата публикации

SYSTEM AND METHOD FOR INVESTMENT PORTFOLIO RECOMMENDATIONS BASED ON PURCHASING AND RETAIL LOCATION

Номер: US20160005126A1

Автор: Ghosh Debashis

Принадлежит: MasterCard International Incorporated

Systems and methods are provided for scanning a code associated with, taking a picture of, or otherwise receiving a product or service identifier. Upon recognizing the product or service identifier, the product or service identifier can be linked, mapped, correlated to, or otherwise associated with a company or corporate entity. Upon determining, for example, that the company or corporate entity is publicly owned or traded, one or more investment activities can be undertaken, e.g., purchasing stock in the company or corporate entity, viewing financial information associated with the company or corporate entity, etc. 1. A method , comprising:receiving a product identifier;correlating the product identifier with a product;correlating the product with a company;identifying a ticker symbol associated with the company; andpresenting at least one investment option based on the ticker symbol.2. The method of claim 1 , wherein the product identifier comprises one of a universal product code (UPC) claim 1 , a stock keeping unit (SKU) claim 1 , a serial number claim 1 , a manufacturer part number (MPN) claim 1 , a European article number (EAN) claim 1 , or an international standard book number (ISBN).3. The method of claim 1 , wherein receiving the product identifier comprises one of scanning the product identifier or taking a picture of the product via an investment application implemented on a mobile device.4. The method of claim 1 , wherein correlating the product identifier with the product comprises accessing a first database relating the product identifier and the product.5. The method of claim 1 , wherein correlating the product with a company comprises accessing a second database relating the product and the company.6. The method of claim 1 , wherein the company comprises a parent of a subsidiary identified as being associated with the product claim 1 , the association between the company and the subsidiary being determined by accessing a third database.7. The method ...

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Номер записи: 108

08-01-2015 дата публикации

METHOD AND SYSTEM FOR EVALUATING COMMERCIAL REAL ESTATE PRICING AND LOCATION BY LEVERAGING TRANSACTION DATA

Номер: US20150012303A1

Автор: Ghosh Debashis

Принадлежит:

A computer-implemented method for estimating a value for a real property location is provided. The method includes receiving merchant location data for at least one merchant at the computing device, the merchant location data including data identifying a real property location where the at least one merchant is located, receiving historical transaction data associated with the at least one merchant at the computing device, receiving an evaluation request message at the computing device, the evaluation request message including data identifying the at least one merchant, determining a merchant cash flow for the at least one identified merchant based at least on the historical transaction data and a scaling factor, and determining an estimate of the value of the real property location, based at least on the merchant cash flow, the merchant location data, and the historical transaction data. 1. A computer-implemented method for estimating a value for a real property location based at least in part on historical transaction data associated with at least one merchant conducting business at the real property location , said method implemented using a computing device , said method comprising:receiving merchant location data for the at least one merchant at the computing device, the merchant location data including data identifying a real property location where the at least one merchant is located;receiving the historical transaction data associated with the at least one merchant at the computing device;receiving an evaluation request message at the computing device, the evaluation request message including data identifying the at least one merchant;determining a merchant cash flow for the at least one identified merchant based at least on the historical transaction data and a scaling factor; anddetermining an estimate of the value of the real property location, based at least on the merchant cash flow, the merchant location data, and the historical transaction data.2. ...

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Номер записи: 109

14-01-2016 дата публикации

SYSTEM AND METHOD FOR STRATEGIC CHANNEL PLACEMENT BASED ON PURCHASING INFORMATION

Номер: US20160014459A1

Автор: Ghosh Debashis

Принадлежит: MasterCard International Incorporated

Various embodiments provide systems and methods for leveraging transaction processing data to identify areas or subject matters of interest to consumers, e.g., in a particular cable viewing area/region. Such data can be correlated to cable channels, for example, that provide programming related to or commensurate with the identified areas of interest. Media providers and/or cable networks that provide such programming, for example, may then opt for placement of cable channels directed to the identified areas of interest in locations or slots within a channel lineup with promote increased viewership. 1. A method , comprising:generating reporting regarding financial transaction payments associated with a subset of consumers;correlating information in the reporting with a channel relevant to the financial transaction payments; andplacing the channel in a channel lineup slot that promotes viewership of the channel.2. The method of claim 1 , wherein the reporting comprises a review of at least one microsegment representative of the subset of consumers.3. The method of claim 2 , wherein the review of the at least one microsegment comprises at least one of a review of financial account information associated with each of the subset of consumers claim 2 , performing a statistical analysis on the financial account information claim 2 , finding one or more correlations between the financial account information and behaviors of the subset of consumers claim 2 , and predicting future behaviors of the subset of consumers.4. The method of claim 2 , wherein the at least one microsegment is defined based upon at least one of a demographical limitation and a geographical limitation.5. The method of claim 1 , wherein the correlating of the information with the channel comprises determining a subject matter of interest from the financial transaction payments based upon at least one of a product or service type associated with a merchant that is the object of the financial transaction ...

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Номер записи: 110

21-01-2016 дата публикации

SUPPLY CHAIN MANAGEMENT TOOL TO PROMOTE A UNIFORM BUSINESS ECOSYSTEM

Номер: US20160019504A1

Автор: Ghosh Debashis

Принадлежит: MasterCard International Incorporated

Systems and methods are provided for understanding a business ecosystem, e.g., technology asset makeup, of a company. Arising from this understanding, intelligent recommendations can be provided to, e.g., supply chain management and other personnel in the company, regarding the use and/or implementation of new or additional technology assets in order to facilitate a uniform business ecosystem.

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Номер записи: 111

22-01-2015 дата публикации

Systems and methods for query queue optimization

Номер: US20150026692A1

Автор: Debashis Ghosh

Принадлежит: Mastercard International Inc

A computer-implemented method for optimizing a queue of queries for database efficiency is implemented by a controller computing device coupled to a memory device. The method includes receiving a plurality of database queries at the computing device from at least one host, evaluating the plurality of database queries to determine a resource impact associated with each database query of the plurality of database queries, prioritizing the plurality of database queries based upon a set of prioritization factors and the resource impact associated with each database query, and submitting the prioritized plurality of database queries to a database system for execution. The database system executes the plurality of database queries in order of priority.

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Номер записи: 112

10-02-2022 дата публикации

Ad hoc data exploration tool

Номер: US20220043833A1

Автор: Debashis Ghosh, Jeffrey Jacob Bursik, Matt Jesser, Robert James Koste

Принадлежит: Target Brands Inc

The disclosed application relates to a tool by which a user may create a cloud workspace that includes a data memory space, as well as a tool for automatically identifying ad-hoc analyses on that data. The solution allows a user to connect to data sources using SQL or GUI tools, combine data from different data sources, prepare and clean the data, mine the data for insights, and move that data into downstream reporting tools for visualization. The system is linked to a code repository to allow data scientists to execute code from the code repository in trial data spaces, investigate that data, and prepare more in-depth analytics for downstream reporting tools.

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Номер записи: 113

29-01-2015 дата публикации

SYSTEM AND METHOD FOR ANALYZING ANONYMOUS PAYMENT CARD DATA

Номер: US20150032614A1

Автор: Ghosh Debashis, Goldberg Ina

Принадлежит: MasterCard International Incorporated

A computer-based method for associating ownership of anonymous payment cards uses a computer device including a processor in communication with a transaction database. The method includes identifying a target account number for a payment card from the transaction database, identifying a set of transaction times associated with the target account number from the transaction database, and comparing the target account number to each candidate account number of a set of candidate account numbers from the transaction database. Comparing the target account number includes identifying a first candidate set of transaction times associated with a first candidate account number of the set of candidate account numbers, comparing the target set of transaction times to the first candidate set of transaction times, and identifying the first candidate account number as a match candidate if the target set of transaction times and first candidate set of transaction times do not include overlapping transactions. 1. A computer-based method for associating ownership of anonymous payment cards , said method using a computer device including a processor in communication with a transaction database , said method comprising:identifying, by the processor, a target account number for a payment card from the transaction database;identifying, by the processor, a set of transaction times associated with the target account number from the transaction database; and identifying a first candidate set of transaction times associated with a first candidate account number of the set of candidate account numbers;', 'comparing the target set of transaction times to the first candidate set of transaction times; and', 'identifying the first candidate account number as a match candidate if the target set of transaction times and the first candidate set of transaction times do not include overlapping transaction times., 'comparing, by the processor, the target account number to each candidate account number ...

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Номер записи: 114

04-02-2016 дата публикации

Systems and Methods for Identifying Merchants that Pose Transaction Risks to Purchasing Entities

Номер: US20160034898A1

Автор: Ghosh Debashis

Принадлежит:

Systems and methods are provided for identifying when a merchant poses a transaction risk to a purchasing entity. One exemplary method includes receiving a request to review a merchant to determine if the merchant poses a transaction risk to a purchasing entity, and searching for the merchant in a merchant database. The merchant database includes merchant data for multiple merchants that are associated with risk events indicative that the multiple merchants pose transaction risks to the purchasing entity. The method also includes flagging the merchant when the merchant is identified in the merchant database. 1. A computer-implemented method for identifying when a first party poses a transaction risk to a second party , the method comprising:receiving a request to review a first party, to determine when the first party poses a transaction risk to a second party;searching, by a computing device, for the first party in a database, the database including data for multiple parties that are associated with risk events indicative that the multiple parties pose transaction risks to the second party; andflagging, by the computing device, the first party when the first party is identified in the database.2. The method of claim 1 , wherein the first party includes a merchant and the second party includes a purchasing entity claim 1 , and wherein receiving the request includes receiving the request in connection with a payment transaction between the purchasing entity and the merchant claim 1 , and prior to completion of the payment transaction;the method further comprising transmitting, to the purchasing entity, a warning notification when the merchant is flagged by the computing device, as being identified in the database.3. The method of claim 2 , wherein the warning notification includes an indication of a risk event associated with the merchant.4. The method of claim 3 , wherein the risk event includes one or more of a bankruptcy filing and a bankruptcy judgment.5. The ...

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Номер записи: 115

30-01-2020 дата публикации

Resource Reduction in Address Validation

Номер: US20200035043A1

Автор: Ghosh Debashis, Newman Kurt, Wohlers Robert

Принадлежит:

A method and apparatus for reducing an amount of resources required for address validation. An address validation program running on a processor unit configures a tax information table in a payroll database to have an authorization column indicating whether an employee having data in a row of the tax information table has authorized release of data in the row; receives a validation request for at least one validated address entered in one or more request fields in a graphical user interface connected to the processor unit; searches only rows having an indication of authorization in the authorization column of the tax information table; and responsive to finding at least one current address in the tax information table, displays the at least one current address in one or more response fields of the graphical user interface as the at least one validated address. 1. A computer-implemented method for reducing an amount of resources required for address validation , the computer-implemented method comprising:configuring, by an address validation program running on a processor unit, a tax information table in a payroll database to have an authorization column indicating whether an employee having data in a row of the tax information table has authorized release of data in the row;receiving, by the address validation program running on a processor unit, a validation request for at least one validated address entered in one or more request fields in a graphical user interface connected to the processor unit;searching, by the address validation program running on the processor unit, only rows having an indication of authorization in the authorization column of the tax information table; andresponsive to finding at least one current address in the tax information table, displaying, by the address validation program running on the processor unit, the at least one current address in one or more response fields of the graphical user interface as the at least one validated ...

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Номер записи: 116

08-02-2018 дата публикации

PAYMENT CARD NETWORK DATA VALIDATION SYSTEM

Номер: US20180040073A1

Автор: Bhattacharjee Manash, Ghosh Debashis, Shuken Randall K.

Принадлежит:

A method for validating tax data of a taxable entity comprises: receiving at a computer processor, payment card transaction records including at least one of a customer identifier, a merchant identifier, and transaction purchase amounts corresponding to entity purchase transactions over a given time period; analyzing the payment card transaction records data to generate one or more spending profiles according to one or more categories of merchants; correlating the entity spending profiles with one or more other aggregated spending profiles representative of historical spending by additional entities whose reported income is within a given range of the entity reported income; comparing the degree of correlation with a threshold and generating a signal indicative of a request for secondary review of a tax filing of the entity when the degree of correlation is below the threshold; and otherwise generating a signal indicative of a validated tax filing of the entity. 1. A method for validating tax data including at least one of income and expense data corresponding to a taxable entity in a given tax jurisdiction , comprising:receiving at a computer processor, payment card transaction records data including at least one of customer identifiers, merchant identifiers, merchant category codes, and transaction purchase amounts corresponding to product purchase transactions of the taxable entity over a given time period;analyzing the payment card transaction records data of the taxable entity to generate one or more spending profiles for said entity according to one or more categories of merchants;correlating said one or more spending profiles of said entity with one or more other aggregated spending profiles representative of historical spending by additional entities whose reported income is within a given range of said entity reported income to generate a correlation score;comparing said correlation score with a threshold correlation score value to generate a correlation ...

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Номер записи: 117

18-02-2016 дата публикации

System for Repository Database

Номер: US20160048562A1

Автор: Bendel Timothy John, Ghosh Debashis, JOA David, Krein Mark, Newman Kurt D.

Принадлежит:

Systems and methods for a transmitting data to and receiving data from a repository database are provided. For instance, an optimization computer which may include a processor and memory storing computer executable instructions that, when executed, cause the optimization computer to perform a method for selecting a transmission to be presented to a customer during a transaction by electronically receiving data relating to the identity of the customer conducting the transaction, electronically receiving data relating to one or more transmissions and determining the particular transmission to present to the customer during the transaction based on the data by comparing the data relating to the identity of the customer conducting the transaction with the data relating to one or more transmissions and selecting a transmission to be presented during the transaction based on the comparison are presented. The data relating to one or more transmissions may include one or more characteristics of an intended audience to which the respective transmissions should be presented. 1. A system for presenting transformed data to a user , comprising:a repository database storing one or more transmissions of transformed data and information regarding a particular audience to which the one or more transmissions of transformed data should be presented; at least a first processor; and', 'upload the one or more transmissions of transformed data into the computer system when the transmissions of transformed data have been approved; and', 'at least a first memory storing computer executable instructions that, when executed by the at least a first processor, cause the computer system to], 'a computer system comprising at least a second processor;', first receive data from a first user event being conducted at a device;', 'second receive user profile data from a database storing user profile information;', 'compare the data from the first user event and the user profile data with the ...

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Номер записи: 118

18-02-2016 дата публикации

System for Repository Database

Номер: US20160048867A1

Автор: Bendel Timothy John, Ghosh Debashis, JOA David, Krein Mark, Newman Kurt D.

Принадлежит:

Systems and methods for a transmitting data to and receiving data from a repository are provided. For instance, presenting a transmission to a customer during a transaction at a system which may include an optimization computer, a repository database which may store one or more transmissions and information regarding a particular audience to which the respective transmissions should be presented and a computer system configured to allow transmissions to be uploaded to the repository database are provided. The transmission may be presented at a point of transaction wherein the transaction is being conducted and the transaction data from the transaction being conducted at the point of transaction may be determined at the point of transaction and may be transmitted to the optimization computer. Further, the optimization computer may compare the transaction data with the information regarding a particular audience to which the respective transmissions should be presented and may select a transmission to be presented during the transaction based on the comparison of the transaction data with the information regarding a particular audience to which the respective transmissions should be presented. 1. A computer assisted method for selecting one or more transmissions of transformed data to be presented to a user comprising:uploading the one or more transmissions of transformed data into a repository database when the one or more transmissions of transformed data are approved by a first entity;electronically receiving data relating to the identity of the user conducting a first user event;electronically receiving data relating to the one or more transmissions of transformed data; comparing the received data relating to the identity of the user with the received data relating to the one or more transmissions of transformed data, wherein the comparing yields a comparison;', 'prioritizing the one or more transmissions of transformed data based on the comparison; and', ' ...

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Номер записи: 119

22-02-2018 дата публикации

Real Property Valuation System

Номер: US20180053266A1

Автор: Derrico John Anthony, Ghosh Debashis

Принадлежит:

A method and computer program product for analyzing real property. A request for income information for a region in a selected level in a hierarchy of levels in a real property database is received by a computer system. The income information for the region in the selected level in the hierarchy of levels in the real property database is identified by the computer system. The income information in a graphical user interface on a display system is displayed by the computer system. The income information displayed in the graphical user interface on the display system enables performing an operation with respect to the real property. 1. A computer system comprising:a display system;a real property database comprising income information for people in regions based on locations of the people, wherein the regions are organized into levels in a hierarchy in which a parent region in a first level in the levels is comprised of child regions in a second level in the levels that is below the first level in the hierarchy; anda property analyzer in communication with the display system and the real property database, wherein the property analyzer receives a request for the income information for a region in a selected level in the hierarchy; identifies the income information for the region in the selected level in the hierarchy in the real property database; and displays the income information in a graphical user interface on the display system, wherein the income information displayed in the graphical user interface on the display system enables performing an operation with respect to real property.2. The computer system of claim 1 , wherein the property analyzer receives records with payroll information for people; identifies location information for the people in the payroll information; identifies salary information for the people in the payroll information the records; maps the locations of the people into the regions; and updates the income information for the regions ...

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Номер записи: 120

22-02-2018 дата публикации

Real Property Valuation System Using Traffic Flow Information

Номер: US20180053270A1

Автор: Derrico John Anthony, Ghosh Debashis

Принадлежит:

A method and apparatus for analyzing real property. A request for traffic flow information for a workforce for a region in a selected level in a hierarchy of levels in a real property database is received by a computer system. The traffic flow information for the workforce is displayed by the computer system in a graphical user interface on the display system. The traffic flow information for the workforce displayed in the graphical user interface on the display system enables performing an operation with respect to real property. 1. A computer system comprising:a display system;a real property database comprising traffic flow information for a workforce in regions based on locations of people, wherein the regions are organized into levels in a hierarchy in which a parent region in a first level in the levels is comprised of child regions in a second level in the levels that is below the first level in the hierarchy; anda property analyzer in communication with the display system and the real property database, wherein the property analyzer receives a request for the traffic flow information for the workforce in a region in a selected level in the hierarchy; identifies the traffic flow information for the workforce for the region in the selected level in the hierarchy in the real property database; and displays the traffic flow information for the workforce in a graphical user interface on the display system, wherein the traffic flow information for the workforce displayed in the graphical user interface on the display system enables performing an operation with respect to real property.2. The computer system of claim 1 , wherein the property analyzer receiving records with payroll information for the people in the workforce; identifies location information for the people in the records; identifies traffic flow using the location information for the people in the records; maps the locations of the people into regions in the real property database; and updates the ...

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Номер записи: 121

13-02-2020 дата публикации

Method and System for Take Home Pay Prediction and Indexing

Номер: US20200050972A1

Автор: Ghosh Debashis, Newman Kurt, Wohlers Robert

Принадлежит:

A method, computer system, and computer program product that aggregates sample payroll data regarding a plurality of factors associated with take home pay; performs iterative analysis on the data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted values of take home pay for selected populations; converts the predicted values take home pay in the database into percentages of observed values of take home pay for the selected populations over a specified time period to create indices of take home pay; and rank orders the selected populations according to their indices of take home pay. 1. A computer-implemented method for predictive modeling , the method comprising:aggregating, by one or more processors, sample payroll data regarding a plurality of factors associated with take home pay;performing, by one or more processors, iterative analysis on the data using machine learning to construct a predictive model;populating, by one or more processors using the predictive model, a database with predicted values of take home pay for selected populations;converting, by one or more processors, the predicted values of take home pay in the database into percentages of observed values of take home pay for the selected populations over a specified time period to create indices of take home pay; andrank ordering, by one or more processors, the selected populations according to their indices of take home pay.2. The method according to claim 1 , further comprising:comparing, by one or more processors, the rank ordering of take home pay for the selected populations to observed relative take home pay of the selected populations over a second specified time period;aggregating, by one or more processors, updated sample data over the second specified time period; andupdating, by one or more processors, the predictive model using machine learning incorporating the updated sample data for the second specified time period.3 ...

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Номер записи: 122

13-02-2020 дата публикации

Method and System for Predictive Modeling for Dynamically Scheduling Resource Allocation

Номер: US20200050982A1

Автор: Cole Ramsay, Ghosh Debashis, Newman Kurt

Принадлежит:

A method, computer system, and computer program product that aggregates sample data regarding a plurality of factors associated with work scheduling, employee compensation, and employee tenure; performs iterative analysis on the sample data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted values of employee tenure in relation to work scheduling and employee compensation; converts the predicted values of employee tenure in the database into percentages of observed values of employee tenure for a selected group of employers over a specified time period to create indices of employee tenure; and rank orders the selected employers according to their indices of employee tenure. 1. A computer-implemented method for predictive modeling , the method comprising:aggregating, by one or more processors, sample data regarding a plurality of factors associated with work scheduling, employee compensation, and employee tenure;performing, by one or more processors, iterative analysis on the sample data using machine learning to construct a predictive model;populating, by one or more processors using the predictive model, a database with predicted values of employee tenure in relation to work scheduling and employee compensation;converting, by one or more processors, the predicted values of employee tenure in the database into percentages of observed values of employee tenure for a selected group of employers over a specified time period to create indices of employee tenure; andrank ordering, by one or more processors, the selected employers according to their indices of employee tenure.2. The method according to claim 1 , further comprising:comparing, by one or more processors, the rank ordering of employee tenure for the selected group of employers to observed employee tenure for said employers over a second specified time period;aggregating, by one or more processors, updated sample data over the second ...

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Номер записи: 123

13-02-2020 дата публикации

Method and System for Workforce Elasticity Indexing

Номер: US20200050987A1

Автор: Debashis Ghosh, Kurt Newman, Ramsay Cole

Принадлежит: ADP Inc

A method, computer system, and computer program product that aggregates sample data regarding a plurality of factors associated with employment; performs iterative analysis on the data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted employment values for predefined geographic regions; converts the predicted employment values in the database into percentages of observed employment values for the predefined geographic regions over a specified time period to create indices of workforce elasticity for each geographic region; and rank orders the predefined geographic regions according to their indices of workforce elasticity.

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Номер записи: 124

13-02-2020 дата публикации

Method and System for Predicting and Indexing Probability of Financial Stress

Номер: US20200051175A1

Автор: Cole Ramsay, Ghosh Debashis, Newman Kurt

Принадлежит:

A method, computer system, and computer program product that aggregates data regarding a plurality of factors correlated with income; performs iterative analysis on the data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted income values for a selected range of housing costs; converts the predicted income values in the database into percentages of observed income values for a selected group of people within the selected range of housing costs over a specified time period to create indices of financial stress; and rank orders the people within the selected group according to their indices of financial stress. 1. A computer-implemented method for predictive modeling , the method comprising:aggregating, by one or more processors, sample data regarding a plurality of factors correlated with income;performing, by one or more processors, iterative analysis on the data using machine learning to construct a predictive model;populating, by one or more processors using the predictive model, a database with predicted income values for a selected range of housing costs;converting, by one or more processors, the predicted income values in the database into percentages of observed income values for a selected group of people within the selected range of housing costs over a specified time period to create indices of financial stress; andrank ordering, by one or more processors, the people within the selected group according to their indices of financial stress.2. The method according to claim 1 , further comprising:comparing, by one or more processors, the rank ordering within the selected group to observed financial stress within the selected group over a second specified time period;aggregating, by one or more processors, updated sample data over the second specified time period; andupdating, by one or more processors, the predictive model using machine learning incorporating the updated sample data for the ...

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Номер записи: 125

03-03-2016 дата публикации

Methods and Systems for Consolidating Shipments of Multiple Products to Consumers

Номер: US20160063438A1

Автор: Ghosh Debashis, Shuken Randall K., Shuken Sebastian

Принадлежит:

Methods and systems are provided for consolidating a shipment of purchased products to a consumer. A consumer is initially registered to a consolidation account for consolidated shipping of the products. The consolidation account typically includes at least one predefined shipping criteria, used to determine when to ship the consolidated products. Upon purchasing various products from one or more merchants, the products are associated, at a computing device, with the consumer's consolidation account and are routed to a hold location. Then, at the hold location, the products are pooled together and, when the at least one predefined shipping criteria is achieved, the products are routed, as a single shipment, to the consumer. 1. A method for consolidating a shipment , by a carrier , of purchased products to a consumer , the method comprising:registering a consumer to a consolidation account for consolidated shipping of products to the consumer, the consolidation account including at least one shipping criteria;associating, at a computing device, a first product purchased by the consumer in a first transaction with the consolidation account;associating, at the computing device, a second product purchased by the consumer in a second transaction with the consolidation account;routing the first and second products to a hold location; androuting, by the computing device, at least the first and second products, as a single consolidated shipment, to the consumer, when the at least one shipping criteria is achieved.2. The method of claim 1 , wherein associating the first product with the consolidation account includes receiving a notification from the consumer.3. The method of claim 1 , wherein associating the first product with the consolidation account includes receiving a notification from a merchant of the first product.4. The method of claim 1 , wherein associating the first product with the consolidation account includes receiving the first product at a location claim 1 ...

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Номер записи: 126

03-03-2016 дата публикации

System for Analyzing Patterns

Номер: US20160063520A1

Автор: Banerjee Sudeshna, Ghosh Debashis, Gummuluri Sreedevi, JOA David, Madaan Shiba

Принадлежит:

A data analyzer associated with an entity determines patterns and/or sequences in user data. The analyzer may provide businesses with feedback on spatiotemporal patterns in user habits. In certain embodiments, the analyzer determines the frequency of a sequence of purchases made at a first entity immediately followed by purchases made at a second entity. In another embodiment, the analyzer determines trends in user purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to merchant/consumer prospecting, and targeted promotions. 1. A system for analyzing sequences in data , comprising:a transaction history database;a display; and (i) receive analysis measures used to identify types of information within the transaction data for analysis;', '(ii) access the transaction history database to obtain a first transaction data set detailing purchases made by a user at a first entity location, the user being a customer of an organization;', '(iii) extract, from the transaction history database, the first transaction data set, the first transaction data set including data of the types identified based on the received analysis measures;', '(iv) access the transaction history database of the system for analyzing sequences in data to obtain a second transaction data set detailing purchases made by the user at a second entity location within a maximum time of the purchases made in the first transaction data set at the first entity location and within a specified distance of the first entity location at which the purchases were made in the first transaction data set;', '(v) extract, from the transaction history database, the second transaction data set, the second transaction data set including data of the types identified based on the received analysis measures;', '(vi) calculate a frequency with which the purchases in the first transaction data set are made within the ...

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Номер записи: 127

03-03-2016 дата публикации

Method and system for making targeted offers

Номер: US20160063547A1

Автор: Debashis Ghosh, Randall K. SHUKEN, Sebastian Shuken

Принадлежит: Mastercard International Inc

A method for making a targeted offer by an entity to an audience of potential acceptors using a media streaming service is provided. The method includes retrieving information including purchasing and payment activity information attributable to the audience of potential acceptors; retrieving information including social media information indicative of one or more media listening or viewing patterns, interests or preferences of the audience of potential acceptors; correlating the information to generate one or more predictive behavioral models; identifying activities and characteristics attributable to the audience of potential acceptors; and conveying to the entity the activities and characteristics attributable to the audience of potential acceptors, to enable the entity to make a targeted offer to the audience of potential acceptors. A system for making a targeted offer by an entity to an audience of potential acceptors is also provided.

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Номер записи: 128

09-03-2017 дата публикации

Mobile-Compatible Offering of Commercially Identical Items for Post-Retail Sale

Номер: US20170068944A1

Автор: Bhattacharjee Manash, Ghosh Debashis

Принадлежит:

Systems and methods for pairing a mobile app with a point-of-sale system and recording an availability of units from a retail package are described. 1. A method of pairing a mobile app with a point-of-sale system and recording an availability of units from a retail package , said method comprising:receiving information indicating a current location of a mobile device;based on the indicated location, selecting a point-of-sale (POS) system;transmitting, to the selected POS system, information that identifies a mobile app resident on the mobile device;receiving, from at least one among the POS system and the mobile device, an indication of a retail package that includes a plurality of commercially identical items; andreceiving, from the mobile app resident on the mobile device, an indication of a quantity of the commercially identical items.2. The method according to claim 1 , wherein said transmitted information includes a label that identifies at least one among (A) a particular account of a loyalty program of a retailer associated with the POS system and (B) a particular payment account.3. The method according to claim 1 , wherein said method comprises claim 1 , in response to said receiving the indication of the retail package claim 1 , transmitting an indication of a suggested quantity of the commercially identical items to the mobile app.4. The method according to claim 1 , wherein said method comprises selecting one among a plurality of connection points that is associated with the selected POS system.5. The method according to claim 4 , wherein said information that identifies the mobile app is transmitted to the selected POS system via the selected connection point.6. The method according to claim 1 , wherein said method comprises claim 1 , in response to said receiving the indication of the quantity of the commercially identical items claim 1 , updating an inventory associated with the mobile app.7. The method according to claim 1 , wherein said receiving the ...

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Номер записи: 129

09-03-2017 дата публикации

GENERATING AGGREGATED MERCHANT ANALYTICS USING ORIGINATION LOCATION OF ONLINE TRANSACTIONS

Номер: US20170068968A1

Автор: Bhattacharjee Manash, Ghosh Debashis

Принадлежит:

Systems and methods for generating aggregated merchant analytics for a sector are provided. The system includes a merchant analytics (MA) computing device in communication with a user computing device. The MA computing device defines a plurality of sectors of a geographic region and receiving transaction data including at least one online transaction associated with a merchant. The MA computing device generates a transaction location identifier for each of online transaction to indicate a location associated with a user device operated by a cardholder associated with the online transaction and links the online transaction to one sector based on the transaction location identifier. The MA computing device generates aggregated merchant analytics for each sector based on the transaction data associated with the online transactions located in the sector and displays the aggregated merchant analytics on the user computing device for analysis. 1. A method for generating aggregated merchant analytics for a sector , said method implemented by a merchant analytics (MA) computing device including at least one processor in communication with a memory , the MA computing device in communication with a user computing device , said method comprising:defining a plurality of sectors of a geographic region;receiving, at the MA computing device, transaction data for transactions occurring within a predetermined period of time, the transaction data including at least one online transaction, each online transaction associated with a merchant;generating, using the MA computing device, a transaction location identifier for each of the at least one online transaction, the transaction location identifier representing a combination of the merchant involved in the online transaction and a geographic location associated with a user device operated by a cardholder associated with the online transaction;storing the transaction location identifiers in the memory;linking, based on the transaction ...

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Номер записи: 130

17-03-2016 дата публикации

METHOD AND SYSTEM FOR SUGGESTING AND PROCESSING REGULAR TRANSACTIONS BASED ON PRODUCT DATA

Номер: US20160078524A1

Автор: Ghosh Debashis, Shuken Randall K.

Принадлежит: MasterCard International Incorporated

A method for identifying and initiating a regular transaction for a consumer includes: storing a merchant profile, the profile including data related to a merchant including a merchant geolocation; storing an account profile, the profile including data related to a consumer including a plurality of transaction data entries, each including data related to a transaction involving the consumer including a set of one or more product identifiers corresponding to products purchased in the transaction; identifying a regular order for the consumer, the regular order including a specific set of one or more product identifiers based on frequency of the specific set as the set included in the transaction data entries in the account profile; receiving a geolocation associated with the consumer, the geolocation being within a predetermined distance of the geolocation in the merchant profile; and transmitting at least the one or more product identifiers included in the specific set. 1. A method for identifying and initiating a regular transaction for a consumer , comprising:storing, in a merchant database, a merchant profile, wherein the merchant profile includes data related to a merchant including at least a merchant geolocation;storing, in an account database, an account profile, wherein the account profile includes data related to a consumer including at least a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving the related consumer and a merchant including at least a set of one or more product identifiers corresponding to products purchased in the related payment transaction;identifying, by a processing device, a regular order for the consumer, wherein the regular order includes a specific set of one or more product identifiers based on frequency of the specific set of one or more product identifiers as the set of one or more product identifiers included in the plurality of transaction data entries ...

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Номер записи: 131

24-03-2016 дата публикации

VEHICLE HVAC SYSTEM WITH CABIN VENTILATION WHILE PARKED

Номер: US20160082809A1

Автор: CHOWDHURY SOURAV, CRAIG TIMOTHY D., Ghosh Debashis, IV Edward, Wang Mingyu, Wolfe

Принадлежит:

A heating, ventilation, and air-conditioning (HVAC) system includes a blower, a fresh-air valve, a bypass duct, and a bypass valve. The blower is configured to urge air to flow from an inlet to an outlet of the blower. The fresh-air valve is operable to provide a mixture of air drawn from an outside-air duct and a recirculated-air duct to the inlet. The fresh-air valve is operable to a recirculate position where the outside-air duct is substantially blocked from communicating with the inlet. The bypass duct is configured to couple the outlet to the outside-air duct. The bypass valve is located in the bypass duct and is operable to a closed position and an open position. The cabin is ventilated when the fresh-air valve is in the recirculate position, the bypass valve is in the open position, and the blower is operated to blow air out of the outside-air duct. 1. A heating , ventilation , and air-conditioning (HVAC) system configured to ventilate a cabin of a vehicle while the vehicle is parked , said system comprising:a blower configured to urge air to flow from an inlet of the blower to an outlet of the blower;a fresh-air valve operable to provide a mixture of air drawn from an outside-air duct and a recirculated-air duct to the inlet, wherein the fresh-air valve is operable to a recirculate position where the outside-air duct is substantially blocked such that substantially all air provided to the inlet is from the recirculated-air duct;a bypass duct configured to couple the outlet to the outside-air duct; anda bypass valve located in the bypass duct and operable to a closed position and an open position, wherein the cabin is ventilated when the fresh-air valve is in the recirculate position, the bypass valve is in the open position, and the blower is operated, whereby air from the cabin is blown out of the outside-air duct.2. The system in accordance with claim 1 , wherein the system includes an equalization vent configured to allow fresh air to replenish the cabin ...

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Номер записи: 132

22-03-2018 дата публикации

DETECTING REAL ESTATE VACANCIES USING SATELLITE IMAGERY

Номер: US20180082459A1

Автор: Ghosh Debashis, Gilliard Lavern, Howe Justin X.

Принадлежит:

A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving, by the computing device, a first satellite image of the first real property location. Additionally, the method includes retrieving, by the computing device, a second satellite image of the first real property location. The method additionally includes generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image. Additionally, the method includes providing the compound image to a user interface, wherein the compound image provides an indication of one or more vacant portions of the first real property location. 120.-. (canceled)21. An imagery computing device for detecting real estate vacancies using at least satellite imagery , the imagery computing device comprising a processor coupled to a memory , said imagery computing device configured to:receive a location identifier that identifies a real property location;retrieve a plurality of satellite images of the real property location;determine an amount of solar energy absorbed by the real property location during a time period based on the plurality of satellite images;determine a change in vacancies based on the amount of solar energy absorbed by the real property location; andprovide an indication of the change in vacancies associated with the real property location, and vacancy information to a user interface, wherein the vacancy information provides an indication of one or more vacant portions of the real property location.22. The imagery computing device of claim 21 , wherein the imagery computing device is further configured to:retrieve historical ...

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Номер записи: 133

26-03-2015 дата публикации

SYSTEMS AND METHODS FOR GENERATING PHYSICAL PAYMENT CARDS

Номер: US20150088290A1

Автор: Ghosh Debashis

Принадлежит: MasterCard International Incorporated

A computer-based method for generating a physical payment card for a consumer is provided. The method is implemented using a computer device including a processor. The method includes identifying a consumer account. The method also includes creating, by the processor, a model data file associated with the physical payment card for the consumer account. The model data file includes data representing the physical payment card. The method further includes transmitting the model data file to a 3-dimensional printer device. The model data file is configured to enable the printer device to print the physical payment card. 1. A computer-based method for generating a physical payment card for a consumer , the method implemented using a computer device including a processor , said method comprising:identifying a consumer account;creating, by the processor, a model data file associated with the physical payment card for the consumer account, wherein the model data file includes data representing the physical payment card; andtransmitting the model data file to a 3-dimensional printer device, the model data file is configured to enable the printer device to print the physical payment card.2. The method of further comprising:configuring one or more components for coupling to the physical payment card, wherein the one or more components include at least one of a magnetic strip and an identification microchip, wherein creating a model data file comprises creating a model data file defining instructions for printing a receiving surface on the physical payment card to assist coupling of the one or more components to the physical payment card; andproviding to a third party the one or more physical components.3. The method of claim 1 , wherein transmitting the model data file comprises transmitting the model data file to at least one of a consumer and a printing service supplier for printing on the 3-dimensional printer device.4. The method of claim 1 , wherein creating a model data ...

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Номер записи: 134

24-03-2016 дата публикации

SYSTEM AND METHOD FOR PROVIDING REVENUE PROTECTION BASED ON WEATHER DERIVATIVES AND MERCHANT TRANSACTION DATA

Номер: US20160086284A1

Автор: Ghosh Debashis, Lesbirel Mary E., Shuken Randall K.

Принадлежит:

Processor-executable methods, computing systems, and related processing for the creation, transaction, administration, management and communication of data relating to weather-related guarantees or revenue protection policies for mitigating the risk of loss of recurrent merchant revenue due to one or more weather conditions, based on analysis of revenues resulting from payment card transactions associated with the merchant. 1. A computer-implemented method for determining pricing for insurance protection for merchants against one or more weather conditions , comprising:determining via a computer processor, recurring merchant revenue for a given merchant over a given time interval based on payment card transaction record data of payment card transactions conducted over a payment card network and corresponding to said merchant;generating via a computer processor, merchant revenue profile data representative of changes in recurring merchant revenue as a function of one or more weather parameters, by applying historical weather data to the merchant payment card transaction record data, the historical weather data being matched to the location of the merchant business and the date and time of the payment card transaction records;generating an offer of insurance covering a term and including a payout amount and including one or more weather-specific payout conditions, based on the merchant revenue profile data and the recurring merchant revenue data.2. The method of claim 1 , further comprising storing in a database data corresponding to the one or more weather-specific payout conditions of the insurance agreement.3. The method of claim 2 , further comprising comparing one or more weather conditions during at least part of the term with weather-specific conditions of the insurance agreement claim 2 , for determining whether an insurance payout is required.4. The method of claim 3 , further comprising: storing in a data base payment card transaction records of a plurality ...

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Номер записи: 135

26-03-2015 дата публикации

Method and system for linking social data instantaneously to purchase transactions

Номер: US20150088643A1

Автор: Debashis Ghosh, Mary Elizabeth Lesbirel, Randall K. SHUKEN

Принадлежит: Mastercard International Inc

A method for generating a social network message linked to a payment transaction includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier, social network identifier, device identifier, and preferences; receiving an authorization request for a payment transaction, the request including transaction data and a specific consumer identifier; identifying a specific consumer profile wherein the included consumer identifier corresponds to the specific consumer identifier; generating a social network message, the message including the transaction data and the social network identifier included in the specific consumer profile and generated pursuant to the preferences included in the specific consumer profile; transmitting the social network message to a computing device corresponding to the device identifier included in the specific consumer profile; receiving an indication of approval of the social network message; and transmitting the social network message to a social network for publishing.

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Номер записи: 136

29-03-2018 дата публикации

METHOD AND SYSTEM FOR PROVIDING MERCHANT REFERRALS TO CONSUMERS

Номер: US20180089741A1

Автор: Ghosh Debashis, Shuken Randall K.

Принадлежит: MasterCard International Incorporated

A method for processing a consumer referral includes: storing, a plurality of location data entries, each entry including data related to a geographic location including a location identifier and location data; storing a plurality of referral data entries, each entry including data related to a referral including a referral identifier and one or more specific location identifiers; receiving a referral request, the request including a specific referral identifier encoded in a machine-readable code displayed at a specific geographic location associated with the specific referral identifier; identifying a specific referral data entry where the included referral identifier corresponds to the specific referral identifier; identifying a specific location data entry where the included location identifier corresponds to one of the one or more specific location identifiers included in the identified specific referral data entry; and transmitting the location data included in the identified specific location data entry in response to the request. 1. A method for processing a consumer referral , comprising:reading, by a reading unit of a mobile communication device, data encoded in a machine-readable code displayed at a specific geographic location, wherein the data encoded in the machine-readable code includes at least a referral identifier;transmitting, by a transmitting unit of the mobile communication device, a referral request including at least a specific referral identifier encoded in the machine-readable code displayed at the specific geographic location;receiving, by a receiving unit of the mobile communication device from a referral database that stores a plurality of referral data entries wherein each referral data entry includes data related to a referral including at least a referral identifier and one or more specific location identifiers, a specific referral identified in the referral database to correspond to the specific referral identifier encoded in the ...

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Номер записи: 137

09-04-2015 дата публикации

Apparatus, method, and computer program product for tender type scaling using an on-line bill payment platform

Номер: US20150100481A1

Автор: Debashis Ghosh, Randy Shuken

Принадлежит: Mastercard International Inc

Access is obtained to a database of transactions in an electronic bill payment system connecting a plurality of customers with a plurality of billers. At least some of the billers are payment card issuers. A subset of records in the database, associated with a subset of the customers in a region of interest, is identified. In the subset of records, transactions that are payments to the billers that are payment card issuers are identified. Within the transactions that are payments to the billers that are payment card issuers, a proportional amount attributable to each of a plurality of brands of payment card products is determined. The proportional amount is made available for computation.

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Номер записи: 138

13-04-2017 дата публикации

SELECTING AUDIENCE MESSAGES FOR AN EVENT BASED ON AUDIENCE ANALYTICS

Номер: US20170103415A1

Автор: Bhattacharjee Manash, Ghosh Debashis, Shuken Randy

Принадлежит:

A method for selecting audience messages for an event based on audience analytics. A content management computing device determines a set of geographical regions viewing rights for an event were purchased, and in what quantity based on a first set of transaction data. The content management computing then receives a second set of transaction data associated with a set of consumers and generates one or more microsegment data sets based on the second set of transaction data. The microsegments are subdivided based on at least the set of geographical regions. The content management computing device then generates an audience profile based on the microsegment data sets. The content management computing device then receives a plurality of audience messages for the event, and selects one or more audience messages from the plurality of audience messages based on the audience profile. 1. A method for selecting audience messages for an event based on audience analytics , the method implemented using a computing device coupled to a memory device , the method comprising:determining, by the content management computing device, a set of geographic regions where viewing rights were purchased, and viewing right purchase quantity associated with the geographic regions based on a first set of transaction data;receiving, by the content management computing device, a second set of transaction data associated with a set of consumers;generating, by the content management computing device, one or more microsegment data sets, wherein a microsegment is based on the second set of transaction data associated with the set of consumers, wherein the microsegment data is subdivided based on at least the set of geographic regions;generating, by the content management computing device, an audience profile for the event based on the microsegment data sets corresponding to the event;receiving, by the content management computing device, a plurality of audience messages for the event; andselecting, by ...

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Номер записи: 139

13-04-2017 дата публикации

NUTRITION INTAKE TRACKER

Номер: US20170103677A1

Автор: Bhattacharjee Manash, Bodo Loralee J., Feldman Jason Alex, Ghosh Debashis, Shuken Randy

Принадлежит:

A nutritional intake tracker computing device (“intake tracker”) is provided. The intake tracker is configured to receive user health data and at least one user health goal from a user computing device, and receive a request for an intake recommendation from the user computing device. The request includes a location identifier of a location of the user computing device. The intake tracker is configured to retrieve available intake options based on the location of the user computing device, wherein each of the available intake options includes corresponding nutritional information. The intake tracker is further configured to process the available intake options, the user health data, the at least one user health goal, and the corresponding nutritional information to generate a recommendation of at least one recommended intake option, and transmit the recommendation to the user computing device for display. 1. A nutritional intake tracker computing device including a processor in communication with a memory , wherein said processor is programmed to:receive user health data and at least one user health goal from a user computing device;receive a request for an intake recommendation from the user computing device, wherein the request includes a location identifier of a location of the user computing device;retrieve available intake options based on the location of the user computing device, wherein each of the available intake options includes corresponding nutritional information;process the available intake options, the user health data, the at least one user health goal, and the corresponding nutritional information to generate a recommendation of at least one recommended intake option; andtransmit the recommendation to the user computing device for display.2. The nutritional intake tracker computing device of claim 1 , wherein said processor is further programmed to:receive transaction data associated with a grocery store transaction from a transaction processor; ...

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Номер записи: 140

23-04-2015 дата публикации

SYSTEMS AND METHODS FOR EVALUATING PRICING OF REAL ESTATE

Номер: US20150112879A1

Автор: Ghosh Debashis, Shuken Randy

Принадлежит: MasterCard International Incorporated

A computer-implemented method for evaluating pricing of real estate is implemented by a computing device coupled to a memory. The method includes storing within the memory a plurality of rental data sets wherein each rental data set is associated with a geographic region and wherein each rental data set includes actual rental payment amounts made by tenants using a payment card, receiving a rental data request associated with at least one real estate asset having a physical location, from a requestor, retrieving at least one of the rental data sets associated with a geographic region containing the physical location of the at least one real estate asset, processing the rental data set into a financial assessment associated with the at least one real estate asset, and transmitting the financial assessment to the requestor. 1. A computer-implemented method for evaluating pricing of real estate , the method implemented by a computing device in communication with a memory , the method comprising:storing, within the memory, a plurality of rental data sets, wherein each rental data set is associated with a geographic region and wherein each rental data set includes actual rental payment amounts made by tenants using a payment card;receiving, at the computing device, a rental data request associated with at least one real estate asset having a physical location, from a requestor;retrieving, from the memory, at least one of the rental data sets associated with a geographic region containing the physical location of the at least one real estate asset;processing, by the computing device, the retrieved rental data set into a financial assessment associated with the at least one real estate asset; andtransmitting the financial assessment to the requestor.2. The method of claim 1 , wherein storing the plurality of rental data sets further comprises:receiving transaction data associated with a financial transaction from a payment system;determining that the transaction data is ...

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Номер записи: 141

21-04-2016 дата публикации

SYSTEMS AND METHODS FOR VALUING A MERCHANT USING TRANSACTION DATA

Номер: US20160110671A1

Автор: Ghosh Debashis, Shuken Randy, Woodruff Todd

Принадлежит:

A computer implemented method for valuing a merchant based on payment card transactions is provided. The method uses a merchant valuation computing device in communication with a memory. The method includes receiving a valuation request message including a merchant identifier and a report range, receiving a plurality of payment card transactions initiated by cardholders with a merchant associated with the merchant identifier where the plurality of payment card transactions occurred during the report range, determining one or more valuation criteria for the merchant based on the plurality of payment card transactions, and generating a valuation report for the merchant based on the one or more valuation criteria, and transmitting the valuation report. 1. A computer implemented method for valuing a merchant based on payment card transactions , said method implemented using a merchant valuation computing device in communication with a memory , said method comprising:receiving, by the merchant valuation computing device, a valuation request message including a merchant identifier and a report range;receiving, by the merchant valuation computing device, a plurality of payment card transactions initiated by cardholders with a merchant associated with the merchant identifier, wherein the plurality of payment card transactions occurred during the report range;determining, by the merchant valuation computing device, one or more valuation criteria for the merchant based on the plurality of payment card transactions;generating, by the merchant valuation computing device, a valuation report for the merchant based on the one or more valuation criteria; andtransmitting the valuation report.2. The method in accordance with claim 1 , wherein the one or more valuation criteria include at least a transaction volume amount claim 1 , an average transaction amount claim 1 , a stability score claim 1 , and a loyalty score.3. The method in accordance with claim 1 , wherein determining one ...

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Номер записи: 142

19-04-2018 дата публикации

SYSTEMS AND METHODS FOR GENERATING AGGREGATED MERCHANT ANALYTICS FOR A GEOGRAPHIC SECTOR USING TIP DATA

Номер: US20180108000A1

Автор: Bhattacharjee Manash, Ghosh Debashis, TIWAREE PRASHANNA S.

Принадлежит:

A merchant analytics computing device for generating aggregated merchant analytics for a geographic sector using tip data is provided. The merchant analytics computing device is programmed to define a plurality of geographic sectors and receive transaction data occurring within a period of time. The transaction data is associated with merchants located in the sector and includes authorization and clearing transactions. The merchant analytics computing device is programmed to match a plurality of authorization and clearing transactions, calculate a tip size for each matched transaction, identify the sector for each merchant, and generate aggregated merchant analytics for each sector based on the transaction data. The aggregated merchant analytics represent a ranking of each sector relative to all other sectors of the plurality of sectors and include at least a tip size score based on the calculated tip size. The merchant analytics computing device displays on a user device the aggregated analytics. 1. A merchant analytics computing device for generating aggregated merchant analytics for a geographic sector using tip data , said merchant analytics computing device comprising a memory in communication with a processor programmed to:define a plurality of sectors of a geographic region;receive transaction data for financial transactions occurring within a period of time, the transaction data associated with a plurality of merchants, the plurality of merchants located in the geographic region, the transaction data including authorization data messages and clearing data messages;match, for each merchant of the plurality of merchants, a plurality of authorization data messages with a respective plurality of clearing data messages;calculate a tip size for each of the plurality of matched transactions;identify, for each merchant of the plurality of merchants, one sector of the plurality of sectors in which the merchant is located;generate aggregated merchant analytics for ...

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Номер записи: 143

30-04-2015 дата публикации

Systems and methods for tokenless authentication of consumers during payment transactions

Номер: US20150120547A1

Автор: Debashis Ghosh, Mary Elizabeth Lesbirel, Randy Shuken

Принадлежит: Mastercard International Inc

A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

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Номер записи: 144

30-04-2015 дата публикации

METHOD AND SYSTEM FOR VALIDATING RENT DATA FOR A REAL PROPERTY LOCATION

Номер: US20150120584A1

Автор: Ghosh Debashis, Lesbirel Mary Elizabeth, Shuken Randy

Принадлежит: MasterCard International Incorporated

A computer-implemented method for validating rent data associated with a real property location is described. The method is implemented using a validation computing device in communication with a memory. The method includes receiving, at the validation computing device, rent data including a first identifier that identifies the real property location and at least a second identifier that identifies at least one merchant. The method additionally includes receiving, at the validation computing device, historical payment card transaction data associated with the at least one identified merchant, determining, based on the historical payment card transaction data, a last payment card transaction date when the at least one identified merchant was located at the real property location, and determining whether the at least one identified merchant is operating at the real property location based on the last payment card transaction date. 1. A computer-implemented method for validating rent data associated with a real property location , said method implemented using a validation computing device in communication with a memory , said method comprising:receiving, at the validation computing device, rent data including a first identifier that identifies the real property location and at least a second identifier that identifies at least one merchant;receiving, at the validation computing device, historical payment card transaction data associated with the at least one identified merchant;determining, based on the historical payment card transaction data, a last payment card transaction date when the at least one identified merchant was located at the real property location; anddetermining whether the at least one identified merchant is operating at the real property location based on the last payment card transaction date.2. The computer-implemented method of claim 1 , further comprising transmitting claim 1 , to a client computing device claim 1 , an indication of the last ...

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Номер записи: 145

28-04-2016 дата публикации

METHODS AND SYSTEMS FOR ESTIMATING VISITOR TRAFFIC AT A REAL PROPERTY LOCATION

Номер: US20160117688A1

Автор: Ghosh Debashis, Shuken Randy

Принадлежит:

A computer-implemented method for estimating visitor traffic at a real property location based on interrogation signal data is provided. The method includes receiving, by one or more processors, a real property location, defining a geographic region that includes the real property location, receiving, by the one or more processors, interrogation signal data for a group of mobile devices included within the plurality of mobile devices, determining a location of each of the mobile devices included within the group of mobile devices over the selected period of time based on the received interrogation signal data, and estimating visitor traffic for the real property location over the selected period of time based on the location of each of the mobile devices included within the group of mobile devices. 1. A computer-implemented method for estimating visitor traffic at a real property location based on interrogation signal data associated with mobile devices , the method comprising:receiving, by one or more processors, a real property location;defining a geographic region that includes the real property location;receiving, by the one or more processors, interrogation signal data for a group of mobile devices included within the plurality of mobile devices, the group of mobile devices being located in the geographic region of over a selected period of time;determining a location of each of the mobile devices included within the group of mobile devices over the selected period of time based on the received interrogation signal data; andestimating visitor traffic for the real property location over the selected period of time based on the location of each of the mobile devices included within the group of mobile devices.2. The method in accordance with claim 1 , wherein the interrogation signal data includes a location identifier for identifying the location of each of the plurality of mobile devices as each of the plurality of mobile devices emit a respective signal over ...

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Номер записи: 146

07-05-2015 дата публикации

SYSTEM AND DISTRIBUTION NETWORK FOR DYNAMIC SAVINGS ALLOCATION MODELING

Номер: US20150127446A1

Автор: Ghosh Debashis, Hunter Chad, Nagarajan Srinath, Nygren Christopher

Принадлежит:

A system and method for allowing a customer to create savings goals for one or more savings categories is provided. More particularly, the customer is enabled to contribute to the one or more savings categories an amount of funds equal to the sum of annuity payment amounts and customer-specified percentages of payroll deposits. When a predetermined number of customers meet and/or exceed a common savings goal, the customers who met and/or exceeded the common savings goal is presented with an offer featuring a discounted group rate based on the predetermined number of customers who met and/or exceeded the common savings goal. The savings goal(s) of each customer may be adjusted based on other savings goal balances. 1. A system for providing financial services by a financial institution , the system utilizing a distribution network to access a plurality of accounts of financial institution customers , the system comprising:a memory device having computer readable program code store thereon; and establish, for a plurality of financial institution customers, a dynamic savings allocation account;', 'determine within the dynamic savings account for each of the plurality of financial institution customers one or more savings categories, wherein the savings categories are formed by each customer, wherein each customer restricts use of the funds for at least one of the one or more savings categories to be required to be utilized in purchasing a desired product or service;', 'create a customer demand database from data obtained from the one or more savings categories of the plurality of customers;', 'identify the desired product or service for the plurality of financial institution customers and a price for the desired product or service from one or more third party vendors;', 'set a savings goal for the one or more savings categories based on the price for the desired product or service;', 'generate a savings end date for each of the one or more savings categories in response ...

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Номер записи: 147

02-05-2019 дата публикации

Human Resource Capital Relocation System

Номер: US20190130341A1

Автор: Abdullah Kulsoom, Derrico John A., Ghosh Debashis, Maxwell Laura, Pierce Andrew W.

Принадлежит:

A method, an apparatus, and a computer program product for digitally presenting a competitive human resources migration model for an organization. A computer system determines migration metrics from the employee migration data. The computer system determines migration events for the benchmark organizations based on subsets of the migration metrics. The computer system determines an effect of the migration events on business metrics for the benchmark organizations. The computer system determines the competitive human resources migration model for the organization based on the effect on the business metrics. The computer system digitally presents the competitive human resources migration model for the organization. 1. A method for digitally presenting a competitive human resources migration model for an organization , the method comprising:determining, by a computer system, employee migration data for benchmark organizations;determining, by the computer system, migration metrics from the employee migration data;determining, by the computer system, migration events for the benchmark organizations based on subsets of the migration metrics;determining, by the computer system, an effect of the migration events on business metrics for the benchmark organizations;determining, by the computer system, the competitive human resources migration model for the organization based on the effect on the business metrics; anddigitally presenting, by the computer system, the competitive human resources migration model for the organization.2. The method of claim 1 , further comprising:receiving, by the computer system, a comparison group selection;correlating, by the computer system, data for the organization to data for a subset of organizations based on the comparison group selection; anddetermining, by the computer system, the benchmark organizations from the subset of organizations.3. The method of claim 1 , wherein the employee migration data comprises:first data that measures a ...

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Номер записи: 148

21-05-2015 дата публикации

Methods, systems and computer readable media for determining a relational strength index associated with a plurality of merchant entities

Номер: US20150142515A1

Автор: Debashis Ghosh, Randy Shuken

Принадлежит: Mastercard International Inc

Methods, systems, and computer readable media for determining a relational strength index between merchant entities are disclosed. In one example, the method includes applying at least one data filter to stored customer transaction data to produce relevant customer transaction data associated with a first merchant entity. The method also includes processing the relevant customer transaction data to determine a set of customers that conducted purchase transactions at both the first merchant entity and a second merchant entity and utilizing the set of customers to determine a relational strength index that represents a strength of a transactional affinity between the first merchant entity and the second merchant entity.

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Номер записи: 149

21-05-2015 дата публикации

METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR APPORTIONING A PAYMENT CARD AUTHORIZATION REQUEST AMONG A PLURALITY OF ISSUER ENTITIES

Номер: US20150142655A1

Автор: Ghosh Debashis, Shuken Randy

Принадлежит: MasterCard International Incorporated

Methods, systems, and computer readable media for apportioning a payment card authorization request among a plurality of issuer entities are disclosed. In one example, the method includes the method includes receiving a payment card authorization request associated with a master access card account for a specified monetary amount and apportioning the specified monetary amount into a plurality of monetary amounts in accordance with predefined allocation data associated with the master access card account. The method also includes sending a plurality of authorization requests containing the plurality of monetary amounts to a respective plurality of issuer entities. 1. A method for apportioning a payment card authorization request among a plurality of issuer entities , the method comprising:receiving a payment card authorization request associated with a master access card account for a specified monetary amount;apportioning the specified monetary amount into a plurality of monetary amounts in accordance with predefined allocation data associated with the master access card account; andsending a plurality of authorization requests containing the plurality of monetary amounts to a respective plurality of issuer entities.2. The method of wherein each of the plurality of authorization requests contains one of the plurality of monetary amounts.3. The method of wherein the payment card authorization request is associated with a payment transaction conducted with a payment card corresponding to the master access card account.4. The method of wherein the plurality of issuer entities is associated with a plurality of payment card accounts.5. The method of wherein each of the payment card accounts is linked to the master access card account6. The method of wherein one of the payment card accounts is designated as the master access card account.7. The method of wherein the predefined allocation data includes predefined percentage values associated with the payment card accounts. ...

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Номер записи: 150

19-05-2016 дата публикации

METHODS AND SYSTEMS FOR DETERMINING AN ASSET DIVESTITURE USING ASSET DATA

Номер: US20160140652A1

Автор: Ghosh Debashis, Shuken Randy

Принадлежит:

A network-based computer system for determining an asset divestiture of a financial institution based on asset data is described. The system includes at least one processor in communication with at least one memory. The at least one processor is configured to receive a divestiture request message including a financial institution identifier, receive asset data for the identified financial institution, the asset data including data associated with a plurality of assets of the identified financial institution, wherein each asset has an asset value and a risk weight representing a potential change in the asset value over time, determine a candidate divestiture for the identified financial institution at least in part based on the asset value and the risk weight for each asset of the plurality of assets, and provide a divestiture report to the identified financial institution, wherein the divestiture report includes the candidate divestiture for the identified financial institution. 1. A network-based computer system for determining an asset divestiture of a financial institution based on asset data , said system comprising at least one processor in communication with at least one memory , said at least one processor configured to:receive a divestiture request message including a financial institution identifier;receive asset data for the identified financial institution, the asset data including data associated with a plurality of assets of the identified financial institution, wherein each asset has an asset value and a risk weight representing a potential change in the asset value over time;determine a candidate divestiture for the identified financial institution at least in part based on the asset value and the risk weight for each asset of the plurality of assets; andprovide a divestiture report to the identified financial institution, wherein the divestiture report includes the candidate divestiture for the identified financial institution.2. The system of claim ...

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Номер записи: 151

28-05-2015 дата публикации

SUBSTITUTED ANDROST-4-ENE DIONES

Номер: US20150148321A1

Автор: Davies Huw, Ghosh Debashis, Morton Daniel

Принадлежит:

The disclosure relates to novel C4 and C6 substituted androst-4-ene diones as well as andros-1,4-diene diones and derivatives thereof, their process of preparation, pharmaceutical compounds containing them, and the use of said compounds for the treatment of hormone-related disorders in mammals. This includes hormone-dependent cancers, particularly those caused by elevated levels of estrogen and its intermediates. These compounds can also be used in the treatment of other hormone-related disorders, including benign prostatic hyperplasia, cardiovascular disease, and neurodegenerative disorders. 2. The method of claim 1 , wherein the substituent is selected from OH claim 1 , phenyl claim 1 , benzyl claim 1 , naphthyl claim 1 , substituted aryl claim 1 , or Cto Calkyl group.3. The method of claim 1 , wherein the substituent is selected from aryl claim 1 , substituted aryl claim 1 , heterocyclo claim 1 , substituted heterocyclo claim 1 , carbocyclo claim 1 , substituted carbocyclo claim 1 , or halo.4. The method of claim 1 , wherein the substituent is selected from alkoxy claim 1 , aryloxy claim 1 , alkylester claim 1 , arylester claim 1 , alkanoyl or aryoyl claim 1 , any of which may be optionally substituted.5. The method of claim 1 , wherein the compound is selected from the list:(6R,8R,9S,10R,13 S,14S)-10,13-dimethyl-6-((E)-pent-2-en-1-yloxy)-7,8,9,10,11,12,13,14,15,16-decahydro-3H-cyclopenta[a]phenanthrene-3,17(6H)-dione;(6R,8R,9S,10R,13 S,14S)-10,13-dimethyl-6-((Z)-pent-2-en-1-yloxy)-7,8,9,10,11,12,13,14,15,16-decahydro-3H-cyclopenta[a]phenanthrene-3,17(6H)-dione;(6R,8R,9S,10R,13 S,14S)-6-(cinnamyloxy)-10,13-dimethyl-7,8,9,10,11,12,13,14,15,16-decahydro-3H-cyclopenta[a]phenanthrene-3,17(6H)-dione;(6R,8R,9S,10R,13 S,14S)-10,13-dimethyl-6-(3-phenylpropoxy)-7,8,9,10,11,12,13,14,15,16-decahydro-3H-cyclopenta[a]phenanthrene-3,17(6H)-dione;(6R,8R,9S,10R,13 S,14S)-10,13-dimethyl-6-((5-phenylpentyl)oxy)-7,8,9,10,11,12,13,14,15,16-decahydro-3H-cyclopenta[a]phenanthrene-3,17 ...

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Номер записи: 152

28-05-2015 дата публикации

SYSTEMS AND METHODS FOR MONITORING CARDHOLDER RETURN ACTIVITY

Номер: US20150149332A1

Автор: Ghosh Debashis, Lesbirel Mary E.

Принадлежит: MasterCard International Incorporated

A computer-implemented method for monitoring cardholder return activity associated with cardholder transactions is implemented by a monitoring computer system coupled to a memory. The method includes receiving a set of first transaction data associated with a first transaction initiated by a cardholder at a merchant, determining that the first transaction is a first return transaction including a set of first return transaction data, retrieving a return record associated with the cardholder, wherein the return record is stored within the memory, and updating the return record associated with the cardholder with the set of first return transaction data. 1. A computer-implemented method for monitoring cardholder return activity associated with cardholder transactions , the method implemented by a monitoring computer system in communication with a memory , the method comprising:receiving, at the monitoring computer system, a set of first transaction data associated with a first transaction initiated by a cardholder at a merchant;determining that the first transaction is a first return transaction including a set of first return transaction data;retrieving a return record associated with the cardholder, the return record stored within the memory; andupdating the return record associated with the cardholder with the set of first return transaction data.2. The method of claim 1 , further comprising:upon determining that the return record includes at least one set of second return transaction data associated with at least one second return transaction, transmitting the return record to a merchant computing device.3. The method of claim 2 , further comprising:processing the at least one set of second return transaction data to generate a cardholder risk assessment; andtransmitting the cardholder risk assessment to the merchant computing device.4. The method of claim 1 , wherein determining that the first transaction is a first return transaction further comprises:processing ...

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Номер записи: 153

26-05-2016 дата публикации

DETECTING REAL ESTATE VACANCIES USING SATELLITE IMAGERY

Номер: US20160148406A1

Автор: Ghosh Debashis, Gilliard Lavern, Howe Justin X.

Принадлежит:

A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving, by the computing device, a first satellite image of the first real property location. Additionally, the method includes retrieving, by the computing device, a second satellite image of the first real property location. The method additionally includes generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image. Additionally, the method includes providing the compound image to a user interface, wherein the compound image provides an indication of one or more vacant portions of the first real property location. 1. A computer-implemented method for detecting real estate vacancies using satellite imagery , said method implemented using a computing device in communication with a memory , said method comprising:receiving, by the computing device, a first location identifier that identifies a first real property location;retrieving, by the computing device, a first satellite image of the first real property location;retrieving, by the computing device, a second satellite image of the first real property location;generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image; andproviding the compound image to a user interface,wherein the compound image provides an indication of one or more vacant portions of the first real property location.2. The method of claim 1 , wherein retrieving the first satellite image of the first real property location further comprises retrieving a daytime image of the first real property ...

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Номер записи: 154

04-06-2015 дата публикации

METHOD AND SYSTEM FOR LEVERAGING TRANSACTION DATA TO FACILITATE MERCHANT OPERATIONS

Номер: US20150154590A1

Автор: Burke Therese, Ghosh Debashis, Shuken Randy

Принадлежит: MasterCard International Incorporated

A method and system for facilitating merchant operations is provided. The method includes receiving payment transaction data associated with a plurality of payment transactions. The payment transaction data includes timestamp data indicative of a time of each payment transaction. The method also includes determining a transaction count for each of a plurality of time periods of interest based on the timestamp data. Each transaction count indicates the number of transactions performed with a merchant during the respective time period of interest. The method also includes generating a transaction matrix for the merchant. The transaction matrix includes a plurality of cells, and each cell is associated with a respective time period of interest. The method also includes populating each cell of the transaction matrix with the transaction count associated with the time period of interest of the cell, and transmitting at least a portion of the transaction matrix to the merchant. 1. A computer-implemented method for facilitating merchant operations , said method implemented using a server system communicatively coupled to a transaction monitoring module and a memory device , said method comprising:receiving, by the transaction monitoring module, payment transaction data associated with a plurality of payment transactions, wherein the payment transaction data includes timestamp data indicative of a time of each payment transaction;determining a transaction count for each of a plurality of time periods of interest based on the timestamp data, wherein each transaction count indicates the number of transactions performed with a merchant during the respective time period of interest;generating, using the transaction monitoring module, a transaction matrix for the merchant, wherein the transaction matrix includes a plurality of cells, and each cell is associated with a respective time period of interest;populating each cell of the transaction matrix with the transaction count ...

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Номер записи: 155

31-05-2018 дата публикации

Systems and methods for tokenless authentication of consumers during payment transactions

Номер: US20180150847A1

Автор: Debashis Ghosh, Mary Elizabeth Lesbirel, Randy Shuken

Принадлежит: Mastercard International Inc

A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

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Номер записи: 156

21-08-2014 дата публикации

Identifying Potential Customers Using Payment Information

Номер: US20140236794A1

Автор: Allison, Banerjee Sudeshna, Ghosh Debashis, JOA David, JR. Thayer, Krein Mark, Newman Kurt, Shao Yanghong

Принадлежит: Bank of America Corporation

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. 1. A computer configured to identify potential customers , comprising:a processor; and electronically receiving data regarding the first bank;', 'electronically receiving data regarding a second bank;', 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;', 'determining if the amount of funds in each location of the second bank is more than a predetermined amount; and', 'identifying financial accounts of the first bank that have been paid using a deposit account of the second bank that is in a location within the predetermined distance of at least one location of the first bank and the amount of funds in the set of deposit accounts at the location of the second ...

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Номер записи: 157

11-06-2015 дата публикации

METHODS AND SYSTEMS FOR LEVERAGING TRANSACTION DATA TO DYNAMICALLY AUTHENTICATE A USER

Номер: US20150161366A1

Автор: Ghosh Debashis, Shuken Randy

Принадлежит: MasterCard International Incorporated

A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user. 1. A computer-implemented method for authenticating a candidate user accessing a host computing device as an authentic user , the host computing device in communication with an authenticating computing device , said method comprising:receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user, wherein the authentication request includes a user identifier;retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier;generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user; andtransmitting the challenge question for display on a candidate user computing device used by the candidate user.2. A method in accordance with further comprising:receiving, by the authenticating computing device, an answer to the challenge question from the candidate user; andauthenticating the candidate user as the authentic user when the received answer matches the ...

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Номер записи: 158

11-06-2015 дата публикации

METHODS AND SYSTEMS FOR USING TRANSACTION DATA TO AUTHENTICATE A USER OF A COMPUTING DEVICE

Номер: US20150161375A1

Автор: Ghosh Debashis, Lesbirel Mary Elizabeth, Shuken Randy

Принадлежит: MasterCard International Incorporated

An authenticating computing device for authenticating a user of a user computing device as a human being. The authenticating computing device comprises a processor configured to receive a request to authenticate a user as human and an identifier associated with at least one of the user and the user computing device. The processor is further configured to retrieve transaction data associated with a payment card account of the user based on the identifier, generate a challenge question based on the transaction data, and generate a plurality of images based on the transaction data. At least one of the plurality of images is a correct image and at least one of the plurality of images is an incorrect image. The processor is further configured to transmit the challenge question and the plurality of images for display on the user computing device. 1. A computer-implemented method for authenticating a user of a user computing device as a human being and not an automated machine , wherein the user is attempting to access a host computing device , the host computing device in communication with an authenticating computing device , said method comprising:receiving, by the authenticating computing device, a request to authenticate the user of the user computing device as a human being, wherein the request includes an identifier associated with at least one of the user and the user computing device;retrieving, by the authenticating computing device, transaction data for a payment card account that is associated with the user based on the identifier;generating, by the authenticating computing device, a challenge question based on the transaction data;generating, by the authenticating computing device, a plurality of images based on the transaction data, wherein at least one of the plurality of images is a correct image indicative of a correct answer to the challenge question, and at least one of the plurality of images is an incorrect image that is indicative of an incorrect ...

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Номер записи: 159

09-06-2016 дата публикации

SYSTEMS AND METHODS FOR DETERMINING A VALUE OF COMMERCIAL REAL ESTATE

Номер: US20160162986A1

Автор: Ghosh Debashis

Принадлежит:

A computer-implemented method for evaluating real estate assets is implemented by a real estate evaluation computing device in communication with a memory. The method includes receiving a set of property factors, receiving a set of income factors, receiving a previous real estate rating for the real estate asset, receiving a set of merchant data associated with the merchant, the set of merchant data including a set of transaction data, determining a merchant revenue forecast based at least in part on the set of merchant data, determining a present real estate rating, determining that a difference between the present real estate rating and the previous real estate rating exceeds a rating threshold indicating a possible change in value of the real estate asset, and transmitting an alert to a user device indicating the possible change in value of the real estate asset. 1. A computer-implemented method for evaluating real estate assets , the method implemented by a real estate evaluation computing device in communication with a memory , the method comprising:receiving a set of property factors associated with a real estate asset, wherein the real estate asset is associated with a merchant renting the real estate asset;receiving a set of income factors associated with the real estate asset;receiving a previous real estate rating for the real estate asset;receiving a set of merchant data associated with the merchant, the set of merchant data including a set of transaction data, wherein the set of transaction data is received at an interchange network;determining a merchant revenue forecast based at least in part on the set of merchant data;determining a present real estate rating for the real estate asset based on the set of property factors, the set of income factors, and the merchant revenue forecast;determining that a difference between the present real estate rating and the previous real estate rating exceeds a rating threshold indicating a possible change in value of ...

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Номер записи: 160

08-06-2017 дата публикации

Method and system for valuation of social influence

Номер: US20170161777A1

Автор: Debashis Ghosh, Manash Bhattacharjee, Randall K. SHUKEN

Принадлежит: Mastercard International Inc

A method for generation of an index of influence for an individual using social network and electronic transaction data includes: storing transaction messages, each related to a transaction including a time, date, and transaction data; receiving social media data associated with a user of a social network, the data including a number of followers and secondary followers of the user and data associated with shared content including a shared time, shared date, and a data value corresponding to a product or merchant; identifying transaction messages where the time and date are within a predetermined period of the shared time and date and where the transaction data corresponds to the data value; calculating a rate of return for the user based on the number of followers and secondary followers and the number of transaction messages in the subset; and identifying an influence index based on the calculated rate of return.

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Номер записи: 161

15-06-2017 дата публикации

Systems and methods for determining customer traffic data

Номер: US20170169441A1

Автор: Debashis Ghosh, Manash Bhattacharjee

Принадлежит: Mastercard International Inc

A method and device for analyzing customer traffic data at a merchant location are provided. The method may include transmitting pings within a coverage area of a wireless network provided by the merchant computer, receiving ping responses from one or more customer devices corresponding to one or more customers located within the coverage area of the wireless network provided by the merchant computer, extracting a unique device identifier from each received ping response over a period of time, each of the unique device identifiers identifying a different customer device that transmitted the ping response, estimating an amount of customer traffic at the merchant location, over the period of time, based on the unique device identifiers extracted during the period of time, and outputting an indication of the estimated amount of customer activity at the merchant location over the period of time.

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Номер записи: 162

15-06-2017 дата публикации

METHOD AND SYSTEM FOR DETERMINING LIKELIHOOD OF CHARITY CONTRIBUTION

Номер: US20170169445A1

Автор: Bhattacharjee Manash, Ghosh Debashis, Shuken Randall

Принадлежит:

A method is provided for determining the propensity of candidate donors to donate to one or more charities. The method generally includes identifying, using a computing processing unit, transactions processed over at least one payment device network as being associated with a first candidate donor. The identified transactions are then parsed to extract ISO 8583 formatted data. By evaluating the extracted ISO 8583 formatted data, a propensity score is assigned to the first candidate donor where the propensity score represents the propensity of the first candidate donor to donate to a first predefined charity, with the propensity score being indicative of likelihood that the first candidate donor will donate to the first predefined charity. 1. A method for determining the propensity of candidate donors to donate to one or more charities , the method comprising:operatively linking a computing processing unit to at least one payment device network;operatively linking an electronic memory to the computing processing unit;identifying, using the computing processing unit, transactions processed over the at least one payment device network as being associated with a first candidate donor;storing the identified transactions on the electronic memory;parsing the identified transactions to extract ISO 8583 formatted data, the ISO 8583 formatted data representing, where present, for each of the identified transactions,an associated merchant category code, an associated merchant name, and an associated transaction amount;determining, for each of the identified transactions, where the associated merchant category code is present, if the associated merchant category code is associated with a first predefined charity to establish the respective identified transaction as being associated with the first predefined charity;determining, for each of the identified transactions, where the associated merchant name is present, if the associated merchant name is associated with the first ...

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Номер записи: 163

15-06-2017 дата публикации

METHOD AND SYSTEM FOR IDENTIFICATION OF CONTENT FOR ASSOCIATED INDIVIDUALS

Номер: US20170169468A1

Автор: Bhattacharjee Manash, Ghosh Debashis, LATTA Joseph Russell Shin, Shuken Randall K., SIEGEL Harrison Reid

Принадлежит: MasterCard International Incorporated

A method for identifying content for an associated group of individuals includes: storing, transaction messages, each including a primary account number, merchant identifier, transaction time, and transaction data; identifying a plurality of transaction groups, each group including transaction messages with a common merchant identifier and where the transaction time is within a predetermined range of time; identifying an account group comprising a plurality of primary account numbers included in transaction messages in each of two or more of the transaction groups; identifying transaction behaviors based the transaction data in each transaction message included in the transaction groups that include a primary account number stored in the account group; identifying a content item based on the transaction behaviors; and electronically transmitting the content item via a communication network. 1. A method for identifying content for an associated group of individuals , comprising:storing, in a transaction database of a processing server, a plurality of transaction messages, wherein each transaction message is formatted based on one or more standards and includes data related to a transaction including a plurality of data elements including at least a first data element configured to store a primary account number associated with a transaction account involved in the related transaction, a second data element configured to store a merchant identifier associated with a merchant involved in the transaction, a third data element configured to store a transaction time, and one or more additional data elements configured to store transaction data;identifying, by a transaction grouping module of the processing server, a plurality of transaction groups, wherein each transaction group includes a plurality of transaction messages where the merchant identifier stored in the second data element is a common merchant identifier and where the transaction time stored in the third data ...

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Номер записи: 164

25-06-2015 дата публикации

SYSTEMS AND METHODS FOR PASSIVELY DETERMINING A RATIO OF PURCHASERS AND PROSEPECTIVE PURCHASERS IN A MERCHANT LOCATION

Номер: US20150178739A1

Автор: Ghosh Debashis, Lesbirel Mary Elizabeth, Shuken Randy

Принадлежит: MasterCard International Incorporated

A method and system for determining a status of a visitor to a physical location and associated with a handheld device using a computer device coupled to a database are provided. The method includes receiving, by the processor, a hello message from a radio associated with one or more handheld devices, capturing a unique identifier of the handheld device from the received hello message, determining visitor geographic information based on the captured unique identifier and a determined signal strength of the hello message, and outputting the visitor information.

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Номер записи: 165

21-05-2020 дата публикации

Method and System for Predictive Modeling of Geographic Income Distribution

Номер: US20200160200A1

Автор: Cole Ramsay, Ghosh Debashis, Newman Kurt D.

Принадлежит:

A method, computer system, and computer program product that aggregates sample data regarding a plurality of factors associated with income and geographic location; performs iterative analysis on the sample data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted values of average income for a selected set of predefined geographic regions; converts the predicted values of average income in the database into percentages of observed values of average income for geographic regions within the selected set over a specified time period to create indices of average income; and rank orders the regions within the selected set according to their indices of average income. 1. A computer-implemented method for predictive modeling , the method comprising:aggregating, by one or more processors, sample data regarding a plurality of factors associated with income and geographic location;performing, by one or more processors, iterative analysis on the sample data using machine learning to construct a predictive model;populating, by one or more processors using the predictive model, a database with predicted values of average income for a selected set of predefined geographic regions;converting, by one or more processors, the predicted values of average income in the database into percentages of observed values of average income for geographic regions within the selected set over a specified time period to create indices of average income; andrank ordering, by one or more processors, the regions within the selected set according to their indices of average income.2. The method according to claim 1 , further comprising:comparing, by one or more processors, the rank ordering of average income for the selected set of regions to observed average income for said regions over a second specified time period;aggregating, by one or more processors, updated sample data over the second specified time period; andupdating, by ...

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Номер записи: 166

21-05-2020 дата публикации

HUMAN RESOURCE CAPITAL RELOCATION SYSTEM

Номер: US20200160272A1

Автор: Cole Ramsay, Ghosh Debashis, Newman Kurt D.

Принадлежит:

A method, an apparatus, and a computer program product for digitally presenting a competitive human resources migration model for an organization. A computer system identifies human resources data regarding employees of a set of benchmark organizations. The human resources data comprises employee names and job types. The computer system indexes the human resources data according to job types. The computer system determines a set of geographic distribution trends for each of the job types. The set of geographic distribution trends is determined based on employee names of the employees. The computer system determines a competitive human resources migration model for the organization based on an effect of the set of geographic distribution trends on business metrics for the set of benchmark organizations. The computer system digitally presents the competitive human resources migration model for the organization. 1. A method for digitally presenting a competitive human resources migration model for an organization , the method comprising:identifying, by a computer system, human resources data regarding employees of a set of benchmark organizations, wherein the human resources data comprises employee name data and job type data;indexing, by the computer system, the human resources data according to the job type data;determining, by the computer system, a set of geographic distribution trends for each job type, wherein the set of geographic distribution trends is determined based on the surname data of the employees;determining, by the computer system, a competitive human resources migration model for the organization based on an effect of the set of geographic distribution trends on business metrics for a set of benchmark organizations; anddigitally presenting, by the computer system, the competitive human resources migration model for the organization.2. The method of claim 1 , wherein determining the set of geographic distribution trends for each job type comprises: ...

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Номер записи: 167

22-06-2017 дата публикации

Systems and Methods for Use in Processing Transaction Data

Номер: US20170178164A1

Автор: Bhattacharjee Manash, Ghosh Debashis, NERKAR Sanket Rajendra, SHARAN Ashutosh, Shuken Randall K., Tiwary Avyaktanand

Принадлежит:

Systems and methods are provided for determining early-adopter payment accounts. One exemplary method generally includes accessing, by a computing device, product data for at least one target product including a product launch date for the at least one target product; accessing transaction data representative of multiple transactions to payment accounts; identifying, by a computing device, at least one of the multiple transactions as involving a purchase of the at least one target product; determining, by the computing device, an interval between the purchase of the at least one target product and the product launch date for the at least one target product; and appending, by the computing device, the payment account associated with the purchase of the at least one target product to an early-adopter segment based on the determined interval satisfying an early-adopter threshold. 1. A computer-implemented method for processing transaction data associated with one or more merchants , the method comprising:accessing, by a computing device, product data for at least one target product, the product data including a product launch date for the at least one target product;accessing, by the computing device, transaction data representative of multiple transactions to payment accounts;identifying, by the computing device, at least one of the multiple transactions as involving a purchase of the at least one target product;determining, by the computing device, an interval between the purchase of the at least one target product and the product launch date for the at least one target product; andappending, by the computing device, the payment account associated with the purchase of the at least one target product to an early-adopter segment, based on the determined interval relative to an early-adopter threshold.2. The method of claim 1 , wherein the product data further includes a sale price for the at least one target product; andwherein identifying at least one of the multiple ...

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Номер записи: 168

18-09-2014 дата публикации

LOW POWER AND LOW NOISE FAN-SCROLL WITH MULTIPLE SPLIT INCOMING AIR-STREAMS

Номер: US20140271166A1

Автор: BARANOWSKI RICHARD S., Ghosh Debashis, NOORANI SHAMSUDDIN

Принадлежит:

The disclosure relates to a blower assembly having a blower housing, an impeller adapted for rotation about an axis A-A disposed in blower housing, and an intake plenum cooperating with the interior first surface of the blower housing to define an air entrance passage for receiving an incoming air flow. The intake plenum includes means to split the incoming air flow into a plurality of air streams and direct the air streams to predetermined portions of the impeller susceptible to stall conditions as the impeller rotates about the axis A-A. The means to split the incoming air may include a splitter plate disposed in the air entrance passage or at least one port defined in a portion of the air intake plenum adjacent the impeller. 1. A blower assembly comprising:a blower housing having an interior first surface;an impeller adapted for rotation about an axis A-A disposed in blower housing; andan intake plenum cooperating with said interior first surface of said blower housing to define an air entrance passage for receiving an incoming air flow;wherein said intake plenum includes means to split the incoming air flow into a plurality of air streams and direct the air streams to predetermined portions of the impeller as the impeller rotates about the axis A-A.2. The blower assembly of claim 1 , wherein said predetermined portions of the impeller are portions of said impeller subject to stall conditions as the impeller rotates about the axis.3. The blower assembly of claim 1 , wherein:said impeller includes a plurality of fan blades extending from a perimeter surface of a central hub, wherein at least one of said fan blades includes a distal edge extending in a direction axially away from said central hub;said predetermined portions of said impeller include a portion of said fan blade immediately adjacent said distal edge.4. The blower assembly of claim 3 , wherein said predetermined portions of said impeller includes a portion of said fan blade immediately adjacent said ...

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Номер записи: 169

13-06-2019 дата публикации

METHOD AND SYSTEM FOR EVALUATING COMMERCIAL REAL ESTATE PRICING AND LOCATION BY LEVERAGING TRANSACTION DATA

Номер: US20190180394A1

Автор: Ghosh Debashis

Принадлежит:

A computer-implemented method for estimating a value for a real property location is provided. The method includes receiving merchant location data for at least one merchant at the computing device, the merchant location data including data identifying a real property location where the at least one merchant is located, receiving historical transaction data associated with the at least one merchant at the computing device, receiving an evaluation request message at the computing device, the evaluation request message including data identifying the at least one merchant, determining a merchant cash flow for the at least one identified merchant based at least on the historical transaction data and a scaling factor, and determining an estimate of the value of the real property location, based at least on the merchant cash flow, the merchant location data, and the historical transaction data. 120-. (canceled)21. A computer-implemented method for evaluating a physical commercial site , said method implemented by at least one server associated with a payment card interchange network , the at least one server including at least one processor in communication with a database , said method comprising:storing, in the database, merchant location data for a plurality of merchants each having merchant accounts with the payment card interchange network;processing, by the at least one processor, transaction authorization messages submitted by the plurality of merchants over the payment card interchange network, the transaction authorization messages formatted using a proprietary communications standard promulgated by the payment card interchange network;storing, by the at least one processor in the database, historical transaction data derived from the processed transaction authorization messages;receiving, by the at least one processor, an evaluation request message from a client computing device, the evaluation request message including information associated with at least one ...

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Номер записи: 170

07-07-2016 дата публикации

Methods and Systems of Validating Consumer Reviews

Номер: US20160196566A1

Автор: Ghosh Debashis, Murali Ashwath

Принадлежит:

Systems and methods are provided for validating reviews, by comparing transaction data for consumers to details included in the reviews. Initially, a request is received to validate a review provided by an individual via a review entity. The review relates to at least one of a product, a service, and a merchant. Payment accounts are then identified for various consumers that match a profile of the individual providing the review, and transaction data in the identified payment accounts are compared to details included in the review (e.g., details of at least one of a product, a service, and a merchant associated with the review, etc.). A validity indicator for the review can then be issued, based on the comparison. 1. A computer-implemented method of validating reviews provided by consumers , the method comprising:receiving, at a computing device, a request to validate a review provided by a consumer via a review entity, the review relating to at least one of a product, a service, and a merchant;identifying payment accounts of consumers matching a profile of the consumer providing the review;correlating transaction data in the identified payment accounts to the at least one of the product, the service, and the merchant associated with the review; andissuing, by the computing device, a validity indicator for the review based on the correlation.2. The method of claim 1 , wherein the request includes the profile of the consumer providing the review claim 1 , and wherein the profile includes demographic data for said consumer; andwherein identifying the payment accounts of the consumers includes identifying the payment accounts of the consumers whose demographic data matches that of the consumer providing the review.3. The method of claim 2 , wherein the demographic data included in the profile of the consumer providing the review includes one or more of data provided by said consumer when establishing an account with the review entity and data associated with cookies ...

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Номер записи: 171

11-08-2016 дата публикации

System and method for detecting changes of employment

Номер: US20160232545A1

Автор: Debashis Ghosh, Randall K. SHUKEN

Принадлежит: Mastercard International Inc

Systems and methods of generating a marketing target list based on information in a collection of payment card transaction data. An iterative querying process is configured to identify payment card holders who have recently experienced a job change by recognizing certain patterns in payment card transaction data that are correlated with changes of employment. Various patterns may be identified the payment card transaction data as job change indicators to facilitate the compilation of a timely and reliable list of payment card holders who are very likely to have experienced a recent change of employment.

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Номер записи: 172

30-10-2014 дата публикации

AUTHENTICATION SYSTEMS, OPERATIONS, PROCESSING, AND INTERACTIONS

Номер: US20140321719A1

Автор: "OHagan Michael James", BENDEL Timothy J., Chheda Mayur Dhanji, Ghosh Debashis, JOA David, Newman Kurt D.

Принадлежит: Bank of America Corporation

Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer has a plurality of accounts at a financial entity. Information of a selected account to make the purchase may be received. Sufficient funds in the selected account to make the purchase may be determined. If insufficient, a different account may be identified to make the purchase. Sufficient funds in the different account may be determined and funds in the different account may be decreased by the associated payment amount. 1. A method comprising:determining whether an individual has entered a field of view of a biometric scanning device associated with a restricted area;receiving data representative of a scanned iris of the individual;identifying the individual based upon the scanned iris;determining whether the identified individual is authorized to access one or more authorized areas of the restricted area;if authorized, permitting entry of the identified individual into the one or more authorized areas of the restricted area;biometrically monitoring movement of the identified individual within the one or more authorized areas of the restricted area;determining whether an event has occurred to initiate notification of the event; andupon determining that the event has occurred, initiating a notification of the event.2. The method of claim 1 , wherein determining whether an event has occurred to initiate notification of the event includes determining whether the identified individual remains within the one or more authorized areas of the restricted area.3. The method of claim 2 , wherein upon determining that the event has occurred claim 2 , initiating ...

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Номер записи: 173

16-07-2020 дата публикации

Blockchain Based Action and Billing

Номер: US20200226591A1

Автор: Ghosh Debashis, Newman Kurt, Wohlers Robert

Принадлежит:

A method, computer system, and computer program product are provided for automatically causing an action to be performed and a payment for the action to be made in a blockchain environment. The blockchain environment receives a transaction. The transaction is configured to activate a smart contract. In response to being activated by the transaction, the smart contract issues a message within the blockchain environment. The message causes the action to be performed at a location device and an indication of the payment for the action to be rendered on a display of a device. 1. A computer-implemented method for automatically causing an action to be performed and a payment for the action to be made in a blockchain environment , the computer-implemented method comprising:receiving a transaction in the blockchain environment, the transaction configured to activate a smart contract; andresponsive to being activated by the transaction, issuing, by the smart contract, a message within the blockchain environment, wherein the message causes the action to be performed and an indication of the payment for the action to be rendered on a display of a user device.2. The computer-implemented method of claim 1 , further comprising:using an application stored in the user device, selecting a feature; andresponsive to selecting the feature, sending instructions from the user device to the blockchain environment to configure the smart contract to activate upon reading the transaction, wherein the transaction comprises a user identification, an application identification, and a feature code.3. The computer-implemented method of claim 2 , further comprising:sending, from the user device, the transaction to a location device, wherein the location device comprises a full node in the blockchain environment; andresponsive to receiving the transaction at the location device, sending the transaction to the blockchain environment.4. The computer-implemented method of claim 3 , further comprising: ...

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Номер записи: 174

25-08-2016 дата публикации

METHOD AND SYSTEM FOR AUTHENTICATION OF PAYMENT CARD TRANSACTIONS

Номер: US20160247143A1

Автор: Ghosh Debashis

Принадлежит:

A method and a system are provided for authenticating secure payment card transactions and verifying and validating payment card user identities. The method includes determining a numeric or alphanumeric code on a vehicle registration plate of a vehicle (e.g., a driverless vehicle or a drone) bearing a processing device that is approaching a payment area (e.g., a toll road, a refueling station, or a retail store). A wireless communication circuit (e.g., Near Field Communication (NFC) circuit) is communicatively coupled to the processing device. The method also includes determining a numeric or alphanumeric identification of the processing device; comparing the numeric or alphanumeric code on the vehicle registration plate with the numeric or alphanumeric identification of the processing device to determine whether or not an association exists between the vehicle and the processing device; and assessing the determined association to facilitate determining whether a payment transaction using the processing device is valid or invalid (e.g., potential fraud). 1. A method comprising:determining a numeric or alphanumeric code on a vehicle registration plate of a vehicle bearing a processing device that is approaching a payment area; wherein a wireless communication circuit is communicatively coupled to the processing device, the wireless communication circuit including at least one of a wireless communication tag and a wireless communication reader to receive or selectively provide wireless connectivity data from or to the payment area via a wireless communication link;determining a numeric or alphanumeric identification of the processing device;comparing the numeric or alphanumeric code on the vehicle registration plate with the numeric or alphanumeric identification of the processing device to determine whether or not an association exists between the vehicle and the processing device; andassessing the determined association to facilitate determining whether a payment ...

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Номер записи: 175

10-09-2015 дата публикации

Anonymous Electronic Payment System

Номер: US20150254660A1

Автор: Aaron H. Lai, David Joa, Debashis Ghosh, Thayer S. Allison, JR.

Принадлежит: Bank of America Corp

Systems and methods for autonomous online payments to an individual are described. A request to generate an electronic payment user interface associated with an individual for a transaction to an account associated with an entity is received. One or more individual defined criteria associated with the electronic payment user interface for the transaction is received. An Internet accessible address to the electronic payment user interface is generated. A request input from a payer to access, via the Internet accessible address, the electronic payment user interface associated with the individual is received. An authorization input from the payer to make an electronic payment of monetary funds from an account of the payer to the account of the individual is received, and access by the individual to personally identifiable information of the payer regarding the transaction is prevented.

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Номер записи: 176

23-07-2020 дата публикации

Business insight generation system

Номер: US20200234216A1

Автор: Debashis Ghosh, Kurt Newman, Ramsay Cole

Принадлежит: ADP Inc

A method, apparatus, and computer program product for digitally presenting statistically-relevant business insights into a set of business metrics for an organization. A computer system identifies a set of organizational characteristics from human resources data of employees of a plurality of organizations, and applies a selected inclusion criteria to the set of organizational characteristics to identify a set of candidate organizations. The computer system identifies a set of benchmark organizations from the set of candidate organizations, and creates a fixed panel of the benchmark organizations. The computer system applies the fixed panel to the human resources data of employees of a plurality of organizations to create an analysis dataset that consists of human resources data of employees of the benchmark organizations. The computer system generates a business insight into the set of business metrics of the organization based on the analysis dataset, and digitally presents the business insight.

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Номер записи: 177

07-09-2017 дата публикации

SYSTEMS AND METHODS FOR DYNAMIC AMBULANCE DEPLOYMENT

Номер: US20170256013A1

Автор: Bhattacharjee Manash, Ghosh Debashis

Принадлежит:

A dispatcher command center for dynamic ambulance deployment based on population density is described herein. The dispatcher command center is configured to display a street map of a coverage area, the street map including a first representation of a likely population density within the coverage area, and display an ambulance location of a plurality of ambulances. The dispatcher command center is also configured to receive, in real-time, a data signal including transaction data associated with a transaction. The transaction data includes a transaction location and transaction time and represents an activity executed by a person within the coverage area. The dispatcher command center is further configured to display a second representation of the transaction at a location on the street map corresponding to the transaction location, and deploy at least one of the plurality of ambulances in response to the displayed second representation, thereby updating at least one ambulance location. 1. A dispatcher command center for dynamic ambulance deployment based on population density , said dispatcher command center including a display device and a processor in communication with a memory , said processor programmed to:display, on the display device, a street map of a coverage area, the street map including a first representation of a likely population density within the coverage area at a point in time;display, on the display device, an ambulance location of a plurality of ambulances relative to the street map;receive, in real-time, a data signal including transaction data associated with a transaction, the transaction data including a transaction location and transaction time, the transaction data representing an activity executed by a person within the coverage area;display, on the display device, a second representation of the transaction at a location on the street map corresponding to the transaction location; anddeploy at least one of the plurality of ambulances in ...

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Номер записи: 178

14-10-2021 дата публикации

METHODS AND SYSTEMS FOR LEVERAGING TRANSACTIONS TO DYNAMICALLY AUTHENTICATE A USER

Номер: US20210319447A1

Автор: Ghosh Debashis, Shuken Randy

Принадлежит:

A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user. 124-. (canceled)25. A computer-implemented method for authenticating a request for access to a host computing device , the host computing device in communication with an authenticating computing device , said method comprising:receiving, at the host computing device, a request by a candidate user for access to data stored on the host computing device;sending, by the host computing device to the authenticating computing device, an authentication request including at least one of a media access control (MAC) address and an Internet protocol (IP) address of a user device associated with the candidate user, wherein the authenticating computing device has access to a database storing transaction data comprising a plurality of records each corresponding to one of a plurality of previously completed payment transactions;receiving, at the host computing device from the authenticating computing device, a challenge question and a correct answer to the challenge question, wherein the challenge question and the correct answer correspond to at least one of the previously completed payment transactions ...

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Номер записи: 179

12-09-2019 дата публикации

SYSTEM AND METHOD FOR LINKING ENCRYPTED RECORDS

Номер: US20190279203A1

Автор: Ghosh Debashis, Goldberg Ina

Принадлежит:

A computer-based method for associating ownership of anonymous payment cards uses a computer device including a processor in communication with a transaction database. The method includes identifying a target account number for a payment card from the transaction database, identifying a set of transaction times associated with the target account number from the transaction database, and comparing the target account number to each candidate account number of a set of candidate account numbers from the transaction database. Comparing the target account number includes identifying a first candidate set of transaction times associated with a first candidate account number of the set of candidate account numbers, comparing the target set of transaction times to the first candidate set of transaction times, and identifying the first candidate account number as a match candidate if the target set of transaction times and first candidate set of transaction times do not include overlapping transactions. 124-. (canceled)25. A computer-based method for linking encrypted records , said method using a computer device including a processor in communication with a database , the database storing a plurality of transaction records each including one of a plurality of encrypted identifiers and a respective transaction time , said method comprising:selecting, by the processor, a target encrypted identifier of the plurality of encrypted identifiers from the database;filtering, by the processor from the transaction records, a plurality of target transaction records, the target transaction records being associated with the target encrypted identifier and having the transaction time within a time period;designating, by the processor, a subset of the plurality of encrypted identifiers as candidate identifiers, the subset not including the target encrypted identifier;filtering, by the processor for each candidate encrypted identifier from the transaction records, a plurality of candidate ...

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Номер записи: 180

20-10-2016 дата публикации

HVAC MODULE HAVING AN OPEN ARCHITECTURE

Номер: US20160303941A1

Автор: Ghosh Debashis, KADLE PRASAD S., Kinmartin Jeffrey C., NOORANI SHAMSUDDIN, Wang Mingyu, ZIELINSKI STEVEN M.

Принадлежит:

An open architecture HVAC module is disclosed having a housing defining an air inlet and at least two adjacent air outlets. An evaporator and a heater unit are disposed within the housing. A cold air chamber is defined between the evaporator and heater unit, and a hot air chamber is defined downstream of the heater unit. A partition extends into the cold and hot air chambers from an interior surface of the housing between the two adjacent air outlets. The partition is spaced from the evaporator and heater unit. The partition cooperates with the housing to define a first mixing chamber in fluid communication with the first outlet and a second mixing chamber in fluid communication with the second outlet. A blend valve is disposed in each mixing chambers. The blend valves are configured to selectively direct air flow from the cold and hot air chambers to the air outlets. 1. An HVAC module , comprising:a housing defining an air inlet, a first air outlet, and a second air outlet adjacent said first air outlet;a first heat exchanger disposed within said housing downstream of said air inlet;a second heat exchanger disposed within said housing downstream of said first heat exchanger;a first air chamber defined in said housing between said first heat exchanger and said second heat exchanger;a second air chamber defined in said housing between said second heat exchanger and an interior surface of said housing downstream of said second heat exchanger;a first partition extending into said first air chamber and said second air chamber from an interior surface of said housing between said first air outlet and said second air outlet;wherein said first partition is spaced from said first heat exchanger and said second heat exchanger such that each of said first air outlet and said second air outlet are in fluid communication with both of said first air chamber and said second air chamber.2. The HVAC module of claim 1 , wherein:said first partition wall cooperates with said housing ...

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Номер записи: 181

20-10-2016 дата публикации

SYSTEMS AND METHODS FOR DETERMINING VALUATION DATA FOR A LOCATION OF INTEREST

Номер: US20160307243A1

Автор: Bhattacharjee Manash, Ghosh Debashis, Shuken Randy

Принадлежит:

A computer-implemented method for providing valuation data for a location of interest (LOI) to a user is provided. The method includes receiving, by a real estate valuation computing device, a location request message generated at a mobile device associated with the user. The location request message includes image data and mobile device data. The method also includes mapping the LOI to a physical location based at least in part on the mobile device data, and determining valuation data for the LOI based on the physical location. The valuation data includes a real estate rating for the LOI. The method further includes generating a location response message that includes at least the valuation data and the physical location of the LOI, and transmitting the location response message to the mobile device. 1. A computer-implemented method for providing valuation data for a location of interest (LOI) to a user using a real estate valuation (REV) computing device in communication with a memory , the method comprising:receiving, by the REV computing device, a location request message generated at a mobile device associated with the user, the location request message including image data and mobile device data, wherein the image data includes an image of the LOI and an image timestamp associated with the image;mapping, by the REV computing device, the LOI to a physical location based at least in part on the mobile device data;determining, by the REV computing device, valuation data for the LOI based on the physical location, the valuation data including a real estate rating for the LOI;generating a location response message that includes at least the valuation data and the physical location of the LOI; andtransmitting the location response message to the mobile device.2. The computer-implemented method of claim 1 , wherein the mobile device data includes at least one of accelerometer data claim 1 , compass data claim 1 , gyroscope data claim 1 , and GPS data captured at the ...

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Номер записи: 182