Appeal 2006-2429
Application 09/999,580
1 pattern ascertained from the transaction data, based on a
2 preexisting model to form a score for the financial account.
3 The method further includes transmitting, if the score is
4 below a predefined financial risk threshold, the score to an
5 account issuer of the financial account.” (Basch, col. 3, ll.
6 61-62).
7 5. “Examples of scoreable transactions include, for example,
8 authorization requests for purchases of goods or services
9 made on credit, clearing and settlement transactions between
10 merchants and account issuers pertaining to one or more
11 accounts, account issuer-supplied account records, public
12 records, and the like.” (Basch, col. 5, ll. 11-16).
13 6. “[T]he scoreable transactions are scored against predictive
14 model(s) within FRPS 100 to generate financial risk scores
15 and/or financial risk alerts for the account issuers." (Basch,
16 col. 6, ll. 59-61).
17 7. “[F]inancial risk scores and/or financial risk alerts may be
18 provided to one or more account issuers 102 to provide
19 financial risk alerts pertaining to a particular account and/or
20 account holder.” (Basch, col. 9, ll. 53-56).
21 8. “To train the neural network of FIG. 8, for example, patterns
22 from known data sets with known results (i.e., historical
23 scoreable transactions, the associated account, and the
24 known risk level) are iteratively furnished to the neural net
25 of FIG. 8.” (Basch, col. 18, ll. 4-8).
26 9. “The present invention relates to a data processing system
27 and method for managing financial debt instruments
28 designed for investors whose objective is to track the
29 performance of certain security markets within a limited
30 period of time.” (Tull, col. 1, ll. 8-11).
31 10. “It is an object of the present invention to provide a financial
32 management system to develop and administer a financial
33 debt instrument traded as a listed security to investors
34 desiring to track the performance of a domestic or foreign
35 capital market.” (Tull, col. 3, ll. 16-20).
36 11. “It is a further object of the present invention to provide data
37 processing means for determining a price for a basket of
38 shares which is packaged as a debt instrument so as to
6
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Last modified: September 9, 2013