公开(公告)号：US20130218751A1

公开(公告)日：2013-08-22

申请号：US13620250

申请日：2012-09-14

申请人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

发明人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

IPC分类号： G06Q40/02

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/08

摘要： In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.

摘要翻译： 在一些实施例中，公开了用于生成过滤器以确定消费者是否可能基于非信用数据具有可分级信用记录的系统和方法，并且基于非信用来确定与不可判断信用记录相关联的潜在风险水平 数据。 将现有的可得分和不可判断的记录与确定与不可观察记录相关的因素进行比较，并开发多级过滤器。 比较具有至少一个条目的不可判断记录，以确定它们是否“良好”或“不良”风险，确定与任一条件相关的因素，并且开发过滤器。 过滤器可以应用于包含人口统计数据的记录，以确定可能具有不可观察记录但代表良好风险的消费者。

公开(公告)号：US20100299246A1

公开(公告)日：2010-11-25

申请号：US12818096

申请日：2010-06-17

申请人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

发明人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/08

摘要： In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.

摘要翻译： 在一些实施例中，公开了用于生成过滤器以确定消费者是否可能基于非信用数据具有可分级信用记录的系统和方法，并且基于非信用来确定与不可评级信用记录相关联的潜在风险水平 数据。 将现有的可得分和不可判断的记录与确定与不可观察记录相关的因素进行比较，并开发多级过滤器。 比较具有至少一个条目的不可判断记录，以确定它们是否“良好”或“不良”风险，确定与任一条件相关的因素，并且开发过滤器。 过滤器可以应用于包含人口统计数据的记录，以确定可能具有不可观察记录但代表良好风险的消费者。

公开(公告)号：US08271378B2

公开(公告)日：2012-09-18

申请号：US13236555

申请日：2011-09-19

申请人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

发明人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/08

摘要： In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.

摘要翻译： 在一些实施例中，公开了用于生成过滤器以确定消费者是否可能基于非信用数据具有可分级信用记录的系统和方法，并且基于非信用来确定与不可评级信用记录相关联的潜在风险水平 数据。 将现有的可得分和不可判断的记录与确定与不可观察记录相关的因素进行比较，并开发多级过滤器。 比较具有至少一个条目的不可判断记录，以确定它们是否“良好”或“不良”风险，确定与任一条件相关的因素，并且开发过滤器。 过滤器可以应用于包含人口统计数据的记录，以确定可能具有不可观察记录但代表良好风险的消费者。

公开(公告)号：US20120158575A1

公开(公告)日：2012-06-21

申请号：US13236555

申请日：2011-09-19

申请人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

发明人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/08

摘要： In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.

摘要翻译： 在一些实施例中，公开了用于生成过滤器以确定消费者是否可能基于非信用数据具有可分级信用记录的系统和方法，并且基于非信用来确定与不可评级信用记录相关联的潜在风险水平 数据。 将现有的可得分和不可判断的记录与确定与不可观察记录相关的因素进行比较，并开发多级过滤器。 比较具有至少一个条目的不可判断记录，以确定它们是否“良好”或“不良”风险，确定与任一条件相关的因素，并且开发过滤器。 过滤器可以应用于包含人口统计数据的记录，以确定可能具有不可观察记录但代表良好风险的消费者。

公开(公告)号：US08024264B2

公开(公告)日：2011-09-20

申请号：US12818096

申请日：2010-06-17

申请人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

发明人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/08

摘要： In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.

摘要翻译： 在一些实施例中，公开了用于生成过滤器以确定消费者是否可能基于非信用数据具有可分级信用记录的系统和方法，并且基于非信用来确定与不可判断信用记录相关联的潜在风险水平 数据。 将现有的可得分和不可判断的记录与确定与不可观察记录相关的因素进行比较，并开发多级过滤器。 比较具有至少一个条目的不可判断记录，以确定它们是否“良好”或“不良”风险，确定与任一条件相关的因素，并且开发过滤器。 过滤器可以应用于包含人口统计数据的记录，以确定可能具有不可观察记录但代表良好风险的消费者。

公开(公告)号：US20100246195A1

公开(公告)日：2010-09-30

申请号：US12609496

申请日：2009-10-30

申请人： Michael Muller ,  Erik Hjermstad ,  Lee Peterson

发明人： Michael Muller ,  Erik Hjermstad ,  Lee Peterson

IPC分类号： F21V17/00

CPC分类号： F21V31/03 ,  F21S8/00 ,  F21V15/01 ,  F21V27/02 ,  F21V31/005

摘要： An underwater light system includes a waterproof housing for enclosing a light source. According to one embodiment the housing has a removable, transparent, acrylic dome which seats onto a metal base. Strobe light electric circuitry and one or more light bulbs or other light sources are disposed inside the housing. The housing is configured to be vacuum sealed, and the removable nature of the dome and metal base permits convenient access to the light sources for replacement or other maintenance. An external electrical cable provides power via an external power source for the light sources while in use underwater. The power source is disposed apart from the housing, and the external power cable remains attached to the housing while underwater and in use.

摘要翻译： 水下灯系统包括用于封闭光源的防水外壳。 根据一个实施例，壳体具有可拆卸，透明的丙烯酸圆顶，其安放在金属基座上。 频闪灯电路和一个或多个灯泡或其他光源设置在壳体内。 壳体被构造成真空密封，并且圆顶和金属底座的可拆卸性质允许方便地接近光源以进行更换或其他维护。 外部电缆在水下使用时通过外部光源为光源提供电力。 电源与壳体分开设置，外部电源线在水下和使用中保持与壳体相连。

公开(公告)号：US07742982B2

公开(公告)日：2010-06-22

申请号：US11871572

申请日：2007-10-12

申请人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

发明人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/08

摘要： In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.

摘要翻译： 在一些实施例中，公开了用于生成过滤器以确定消费者是否可能基于非信用数据具有可分级信用记录的系统和方法，并且基于非信用来确定与不可判断信用记录相关联的潜在风险水平 数据。 将现有的可得分和不可判断的记录与确定与不可观察记录相关的因素进行比较，并开发多级过滤器。 比较具有至少一个条目的不可判断记录，以确定它们是否“良好”或“不良”风险，确定与任一条件相关的因素，并且开发过滤器。 过滤器可以应用于包含人口统计数据的记录，以确定可能具有不可观察记录但代表良好风险的消费者。

公开(公告)号：US08738515B2

公开(公告)日：2014-05-27

申请号：US13620250

申请日：2012-09-14

申请人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

发明人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

IPC分类号： G06Q40/00 ,  G06Q40/04

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/08

摘要： In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.

摘要翻译： 在一些实施例中，公开了用于生成过滤器以确定消费者是否可能基于非信用数据具有可分级信用记录的系统和方法，并且基于非信用来确定与不可判断信用记录相关联的潜在风险水平 数据。 将现有的可得分和不可判断的记录与确定与不可观察记录相关的因素进行比较，并开发多级过滤器。 比较具有至少一个条目的不可判断记录，以确定它们是否“良好”或“不良”风险，确定与任一条件相关的因素，并且开发过滤器。 过滤器可以应用于包含人口统计数据的记录，以确定可能具有不可观察记录但代表良好风险的消费者。

公开(公告)号：US08246189B2

公开(公告)日：2012-08-21

申请号：US12609496

申请日：2009-10-30

申请人： Michael Muller ,  Erik Hjermstad ,  Lee Peterson

发明人： Michael Muller ,  Erik Hjermstad ,  Lee Peterson

IPC分类号： F21V31/00 ,  F21V17/00

CPC分类号： F21V31/03 ,  F21S8/00 ,  F21V15/01 ,  F21V27/02 ,  F21V31/005

摘要： An underwater light system includes a waterproof housing for enclosing a light source. According to one embodiment the housing has a removable, transparent, acrylic dome which seats onto a metal base. Strobe light electric circuitry and one or more light bulbs or other light sources are disposed inside the housing. The housing is configured to be vacuum sealed, and the removable nature of the dome and metal base permits convenient access to the light sources for replacement or other maintenance. An external electrical cable provides power via an external power source for the light sources while in use underwater. The power source is disposed apart from the housing, and the external power cable remains attached to the housing while underwater and in use.

摘要翻译： 水下灯系统包括用于封闭光源的防水外壳。 根据一个实施例，壳体具有可拆卸，透明的丙烯酸圆顶，其安放在金属基座上。 频闪灯电路和一个或多个灯泡或其他光源设置在壳体内。 壳体被构造成真空密封，并且圆顶和金属底座的可拆卸性质允许方便地接近光源以进行更换或其他维护。 外部电缆在水下使用时通过外部光源为光源提供电力。 电源与壳体分开设置，外部电源线在水下和使用中保持与壳体相连。

公开(公告)号：US20080255975A1

公开(公告)日：2008-10-16

申请号：US11871572

申请日：2007-10-12

申请人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

发明人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

IPC分类号： G06Q40/00 ,  G06F17/30 ,  G06F17/40

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/08

摘要： In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.

摘要翻译： 在一些实施例中，公开了用于生成过滤器以确定消费者是否可能基于非信用数据具有可分级信用记录的系统和方法，并且基于非信用来确定与不可判断信用记录相关联的潜在风险水平 数据。 将现有的可得分和不可判断的记录与确定与不可观察记录相关的因素进行比较，并开发多级过滤器。 比较具有至少一个条目的不可判断记录，以确定它们是否“良好”或“不良”风险，确定与任一条件相关的因素，并且开发过滤器。 过滤器可以应用于包含人口统计数据的记录，以确定可能具有不可观察记录但代表良好风险的消费者。