| Patent Number |
Title Of Patent |
Date Issued |
| 7418431 |
Webstation: configurable web-based workstation for reason driven data analysis |
August 26, 2008 |
| A system, computer program product, and method provide for reason driven data analysis in a web-based system that is configurable to various types of data and environments. The computer program product provides for navigation of a report tree of reports that are hierarchically organized |
| 7389305 |
System and method for managing a database |
June 17, 2008 |
| A system and a method for managing a database. The system includes a database manager for storing and retrieving data records from a database. In one embodiment, the database includes a database data structure that is divided into a plurality of sections. Each of the sections holds is |
| 7383215 |
Data center for account management |
June 3, 2008 |
| The invention provides an account manager and database system that allows end users to bypass the need to integrate such systems in to their legacy information management systems. The account management and database systems are developed and maintained at a host service-bureau data c |
| 7379880 |
Cascaded profiles for multiple interacting entities |
May 27, 2008 |
| Computer implemented processes and software products generate profiles of entities, such as providers, clients, merchants and customers, and entities comprising interacting pairs of entities. The processes including deriving direct profiles from transaction data pertaining to an enti |
| 7376618 |
Detecting and measuring risk with predictive models using content mining |
May 20, 2008 |
| Computer implemented methods and systems of processing transactions to determine the risk of transaction convert high categorical information, such as text data, to low categorical information, such as category or cluster IDs. The text data may be merchant names or other textual content |
| 7376603 |
Method and system for evaluating customers of a financial institution using customer relationshi |
May 20, 2008 |
| A computerized method and system for evaluating customers of a financial institution using customer relationship value tags and associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a custom |
| 7363308 |
System and method for obtaining keyword descriptions of records from a large database |
April 22, 2008 |
| A computerized system for augmenting data from a source database with data from a reference database to generate an augmented database that can be used for predictive modeling is disclosed. The present invention includes a method for using the Internet to obtain information, including, r |
| 7346540 |
Marketing selection optimization process |
March 18, 2008 |
| A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned pr |
| 7343294 |
Multi-channel marketing database development methodology |
March 11, 2008 |
| A development methodology for a full-service, multi-channel marketing solution that helps retailers, financial services and telecommunications companies determine where, when and how to interact with their prospects and customers to build stronger relationships. The preferred embodiment |
| 7280980 |
Algorithm for explaining credit scores |
October 9, 2007 |
| An exemplary Web-based score explanation service typically requires only the credit bureau identifier, credit score, and up to four reason codes as input. The invention herein discloses an algorithm that is used to provide an explanation of the primary factors influencing the score, |
| 7277875 |
User selectable approach for generating modifiable rules |
October 2, 2007 |
| A novel approach for generating and updating rules allows non-technical users to create and modify rules. A rules generation system includes a rules engineer interface, user interfaces and a rules generator. The rules engineer interface is an interface through which a rules engineer, |
| 7263506 |
Identification and management of fraudulent credit/debit card purchases at merchant ecommerce si |
August 28, 2007 |
| Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses m |
| 7263492 |
Sequencing models of healthcare related states |
August 28, 2007 |
| Transition probability sequencing models and metrics are derived from healthcare claims data to identify potentially fraudulent or abusive practices, providers, doctors, clients, or other entities. Healthcare reimbursement claims from hospitals, skilled nursing facilities, doctors, e |
| 7251637 |
Context vector generation and retrieval |
July 31, 2007 |
| A system and method for generating context vectors for use in storage and retrieval of documents and other information items. Context vectors represent conceptual relationships among information items by quantitative means. A neural network operates on a training corpus of records to |
| 7251624 |
Score based decisioning |
July 31, 2007 |
| The invention aids an entity to selectively request additional data about a user to serve the needs of the entity without causing the user to have an adverse reaction. The invention helps an entity to determine the condition under which to request additional data so as to reduce the |
| 7191150 |
Enhancing delinquent debt collection using statistical models of debt historical information and |
March 13, 2007 |
| A predictive model, for example, a neural network, evaluates individual debt holder accounts and predicts the amount that will be collected on each account based on learned relationships among known variables. The predictive model is generated using historical data of delinquent debt |
| 7188169 |
System and method for monitoring key performance indicators in a business |
March 6, 2007 |
| A system for monitoring business performance indicators in a networked environment. The system comprises a data source having a predefined format, an agent communicatively coupled to the data source, wherein the agent is configured according to the data source format and wherein the |
| 7165037 |
Predictive modeling of consumer financial behavior using supervised segmentation and nearest-nei |
January 16, 2007 |
| Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments, which are derived from the consumer transac |
| 7158622 |
Self-learning real-time prioritization of telecommunication fraud control actions |
January 2, 2007 |
| A predictive model system is used to detect telecommunications fraud. Call records (CDRs) provided by telephone companies are evaluated against specified rules. If one or more rules are matched, the system generates an alert. Pending alerts for a customer form a case, describing the |
| 7152053 |
Approach for re-using business rules |
December 19, 2006 |
| An approach is described for developing software that executes rules, such as business rules. A group of rule templates defines a rule structure for rules that may be executed by a rules engine. Separate ruleflow templates define tasks that entail the execution of rules. Each of the rule |
| 7130853 |
Datamart including routines for extraction, accessing, analyzing, transformation of data into st |
October 31, 2006 |
| Disclosed is a data collection and analysis system that is capable of extracting data from various disparate sources, i.e., contact channels, storing the data and analyzing the data to show trends in the business operation. The data is stored in a data model that uses a star schema a |
| 7093261 |
Message integration framework for multi-application systems |
August 15, 2006 |
| A system and method for integrating messages across multiple applications. The applications may be on one server or on several servers, and each application may service one or more e-clients. The system and method securely segregates the data for each e-client. Further, the system can |
| 7076442 |
Marketing selection optimization process |
July 11, 2006 |
| A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned pr |
| 7075894 |
Algorithm for prioritization of event datum in generic asynchronous telemetric streams |
July 11, 2006 |
| Systems, methods, and algorithms for prioritizing event datum received from a plurality of asynchronous telemetric streams. A historic learning algorithm is utilized to prioritize event datum based upon a current level of system health and historic correlations between event values and |
| 7072872 |
Representation and retrieval of images using context vectors derived from image information elem |
July 4, 2006 |
| Image features are generated by performing wavelet transformations at sample points on images stored in electronic form. Multiple wavelet transformations at a point are combined to form an image feature vector. A prototypical set of feature vectors, or atoms, is derived from the set |
| 6993514 |
Mechanism and method for continuous operation of a rule server |
January 31, 2006 |
| An improved method and mechanism is disclosed for updating rules used by a rule server. An embodiment is directed to a method and mechanism for connecting one or more rule service agents to a rule server, in which rules may be changed and put into operation without taking the rule se |
| 6968328 |
Method and system for implementing rules and ruleflows |
November 22, 2005 |
| The present invention is directed to a method and mechanism for using rules metaphors to implement rules and ruleflows. Examples of such rules metaphors include decision tables, trees, scoreboards, state transition diagrams, and questionaires. By providing a choice of different rules |
| 6965889 |
Approach for generating rules |
November 15, 2005 |
| A novel approach for generating and updating rules allows non-technical users to create and modify rules. A rules generation system includes a rules engineer interface, user interfaces and a rules generator. The rules engineer interface is an interface through which a rules engineer, suc |
| 6944604 |
Mechanism and method for specified temporal deployment of rules within a rule server |
September 13, 2005 |
| An improved method and mechanism for specified temporal deployment of rules within a rules server. A rules server applies a set of rules, stored within a rulebase, to a given set of input values or parameters. Each rule is associated with a start time and an end time. Upon receiving a |
| 6865566 |
Approach for re-using business rules |
March 8, 2005 |
| An approach is described for developing software that executes rules, such as business rules. A group of rule templates defines a rule structure for rules that may be executed by a rules engine. Separate ruleflow templates define tasks that entail the execution of rules. Each of the rule |
| 6850606 |
Self-learning real-time prioritization of telecommunication fraud control actions |
February 1, 2005 |
| A predictive model system is used to detect telecommunications fraud. Call records (CDRs) provided by telephone companies are evaluated against specified rules. If one or more rules are matched, the system generates an alert. Pending alerts for a customer form a case, describing the call |
| 6839682 |
Predictive modeling of consumer financial behavior using supervised segmentation and nearest-nei |
January 4, 2005 |
| Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the |
| 6597775 |
Self-learning real-time prioritization of telecommunication fraud control actions |
July 22, 2003 |
| A predictive model system is used to detect telecommunications fraud. Call records (CDRs) provided by telephone companies are evaluated against specified rules. If one or more rules are matched, the system generates an alert. Pending alerts for a customer form a case, describing the call |
