General Atomics, Inc.

Kuhuro Investments Ag, L.l.c.

Borrego Analytical, Inc.

Larry S Peranich

Michael A Lazarus

Harold R Garner

Kevin L Sitze

Frederique Vernhes

William R Caid

Matthias Blume

Gerald R Russell

Gerald S Russell

Orenda F Tuason

A U Matthias Blume

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 transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur. Supervised segmentation is applied to merchant vectors to form merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. Consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors.

Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching

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 consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Supervised segmentation is applied to merchant vectors to form the merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. The consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors, thus facilitating the targeting of promotional offers to consumers most likely to respond positively.

A device and method for testing for Cystic Fibrosis includes a sample cell having a capillary tube with a lumen that will hold approximately five microliters of sweat. The capillary tube has metallic rings around each end of the tube with an RF oscillator attached to one ring and a microprocessor attached to the other. An RF signal, which is transmitted from the RF oscillator through the sweat in the sample cell, is subsequently analyzed at the microprocessor by comparing the transmitted signal to a reference. In accordance with the comparison made by the microprocessor, the presence of Cystic Fibrosis may be detected.

Cystic fibrosis tester

Coated capillary tube for the controlled release of reagent

A converter for using a spectrophotometer as a fluorometer includes a barrier for blocking the light in a collimated beam from reaching the detector of the spectrophotometer after this light has passed through and excited a sample material. A second detector is positioned to receive any fluorscence from the material which is emitted in a direction substantially perpendicular to the path of the collimated beam. A signal, generated by the second detector in response to fluorescence from the sample material, is modified to drive a second light source with an intensity which is linearlized relative to the generated signal. The detector of the spectrophotometer then receives the output from this second light source to measure the intensity of the fluorescence.

Spectrophotometer to fluorometer converter

Growing community of inventors

San Diego, CA, United States of America

Larry S Peranich