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98 条记录 (耗时 0.045 秒)

    Identity authentication system for controlling egress of an individual visiting a facility
    91.
    发明授权
    Identity authentication system for controlling egress of an individual visiting a facility 有权
    用于控制访问设施的个人出口的身份认证系统

    公开(公告)号：US08442277B1

    公开(公告)日：2013-05-14

    申请号：US12262327

    申请日：2008-10-31

    申请人： Kurt D. Newman ,  Timothy J. Bendel ,  David Joa ,  Debashis Ghosh ,  Michael J. O'Hagan

    发明人： Kurt D. Newman ,  Timothy J. Bendel ,  David Joa ,  Debashis Ghosh ,  Michael J. O'Hagan

    IPC分类号： G06K9/00

    CPC分类号： G06K9/00617

    摘要： Embodiments of the invention relate to systems, methods, and computer program products for authenticating the identity of an authorized custodian of a dependent individual visiting a facility. In particular, the identity of an authorized custodian of a dependent individual visiting a facility is authenticated by: recording an image of an iris of the authorized custodian in a database; capturing an image of an iris of an individual attempting to accompany the dependent individual when the dependent individual exits the facility; and verifying, prior to allowing the dependent individual to exit the facility, that the captured image of the iris of the individual attempting to accompany the dependent individual matches the recorded image of the iris of the authorized custodian.

    摘要翻译： 本发明的实施例涉及用于认证访问设施的从属个体的授权保管人的身份的系统，方法和计算机程序产品。 特别地，访问设施的从属个人的授权保管人的身份通过以下方式进行认证：将授权保管人的虹膜的图像记录在数据库中; 当从属个体离开设施时，捕获试图陪同依赖个体的个体的虹膜的图像; 以及在允许从属个人退出设施之前验证试图陪同从属个体的个体的虹膜的捕获图像与授权保管人的虹膜的记录图像相匹配。

    Facility access integrated with other security systems
    93.
    发明授权
    Facility access integrated with other security systems 有权
    设施访问与其他安全系统集成

    公开(公告)号：US08207815B2

    公开(公告)日：2012-06-26

    申请号：US12339902

    申请日：2008-12-19

    申请人： Kurt D. Newman ,  Debashis Ghosh ,  Michael James O'Hagan ,  David Joa ,  Timothy J. Bendel

    发明人： Kurt D. Newman ,  Debashis Ghosh ,  Michael James O'Hagan ,  David Joa ,  Timothy J. Bendel

    IPC分类号： G05B19/00

    CPC分类号： G08B13/2491 ,  G07C9/00158 ,  G08B25/008

    摘要： 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.

    摘要翻译： 描述了将设施访问与其他安全系统集成的系统和方法。 可以用诸如虹膜扫描的生物特征参数来识别寻求对设施的访问授权的个体。 如果被授权，系统可以通过禁用报警系统来允许进入，并且可以基于与个人相关联的一个或多个特征来确定访问的时间段。 这些特征可能包括个人在设施和/或设施本身的位置的功能作用。 此外，该设施访问授权系统可以与与设施相关联的网络访问授权系统集成，使得当个人在特定时间段内访问设施时，系统还能够确定个人可以访问其多长时间 网络资源。

    MERCHANT-BASED COMMUNITY REWARDS
    95.
    发明申请
    MERCHANT-BASED COMMUNITY REWARDS 审中-公开
    基于商业的社区奖励

    公开(公告)号：US20110246272A1

    公开(公告)日：2011-10-06

    申请号：US12752001

    申请日：2010-03-31

    申请人： David Joa ,  Timothy James Mark ,  Helene Urban Mele ,  Srinath Nagarajan ,  Kurt D. Newman

    发明人： David Joa ,  Timothy James Mark ,  Helene Urban Mele ,  Srinath Nagarajan ,  Kurt D. Newman

    IPC分类号： G06Q30/00 ,  G06Q40/00

    CPC分类号： G06Q30/0226 ,  G06Q30/0215 ,  G06Q30/0224

    摘要： Embodiments of the invention provide methods, apparatuses, and computer program products for providing community rewards. For example, systems and methods are provided for: (1) accessing transaction data associated with a particular financial institution; (2) determining a threshold; (3) identifying from the transaction data a group of transactions associated with a predefined community and time period; (4) aggregating a particular aspect of the group of transactions associated with the predefined community to determine a community total; and (5) determining that a reward should be provided to the community based on a comparison of the community total and the threshold. In some embodiments, the predefined community is defined at least in part by a particular one or more merchants.

    摘要翻译： 本发明的实施例提供用于提供社区奖励的方法，装置和计算机程序产品。 例如，提供系统和方法：（1）访问与特定金融机构相关的交易数据; （2）确定阈值; （3）从交易数据中识别与预定义的社区和时间段相关联的一组交易; （4）聚集与预定义社区相关联的一组交易的特定方面以确定社区总数; （5）根据社区总量与门槛的比较，确定应向社区提供奖励。 在一些实施例中，预定义社区至少部分地由特定的一个或多个商家定义。

    Analyzing Patterns within Transaction Data
    96.
    发明申请
    Analyzing Patterns within Transaction Data 审中-公开
    分析交易数据中的模式

    公开(公告)号：US20110082718A1

    公开(公告)日：2011-04-07

    申请号：US12574418

    申请日：2009-10-06

    申请人： Debashis Ghosh ,  Sudeshna Banerjee ,  Shiba Madaan ,  Sreedevi Gummuluri ,  David Joa

    发明人： Debashis Ghosh ,  Sudeshna Banerjee ,  Shiba Madaan ,  Sreedevi Gummuluri ,  David Joa

    IPC分类号： G06Q10/00

    CPC分类号： G06Q30/0201 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/4016 ,  G06Q30/06 ,  G07F7/08

    摘要： A transaction data analyzer associated with a financial entity discovers patterns and/or sequences in consumer transaction data. The analyzer may provide businesses with feedback on spatiotemporal patterns in consumer spending habits. In certain embodiments, the transaction analyzer discovers the frequency of a sequence of purchases made at a first merchant immediately followed by purchases made at a second merchant. In another embodiment, the transaction analyzer discovers trends in consumer 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, risk mitigation, merchant/consumer prospecting, and targeted promotions.

    摘要翻译： 与金融实体相关联的交易数据分析器发现消费者交易数据中的模式和/或序列。 分析器可以为企业提供有关消费者消费习惯的时空模式的反馈。 在某些实施例中，交易分析器发现在第一商户处立即进行的在第二商家进行的购买所进行的购买序列的频率。 在另一个实施例中，交易分析器发现在周末期间消费者购买的趋势与周末期间的消费者购买趋势。 分析结果可以以各种方式使用，包括但不限于风险缓解，商家/消费者探矿和有针对性的促销。

    ACTIVITY BASED CREDIT CARD LIMIT ASSIGNMENT
    97.
    发明申请
    ACTIVITY BASED CREDIT CARD LIMIT ASSIGNMENT 审中-公开
    基于活动的信用卡限额分配

    公开(公告)号：US20090299886A1

    公开(公告)日：2009-12-03

    申请号：US12128750

    申请日：2008-05-29

    申请人： Kurt D. Newman ,  Timothy J. Bendel ,  Debashis Ghosh ,  David Joa

    发明人： Kurt D. Newman ,  Timothy J. Bendel ,  Debashis Ghosh ,  David Joa

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/24 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q40/00 ,  G06Q40/02

    摘要： Systems and methods for reducing the exposure of a financial institution to lending risk. The systems and methods may involve determining a basic credit limit for a customer's new credit card account based at least in part on attributes associated with the customer; assigning an adjusted credit limit to the account; and promising to decide whether to replace the adjusted credit limit with a higher credit limit.

    摘要翻译： 减少金融机构对借贷风险敞口的制度和方法。 系统和方法可以包括至少部分地基于与客户相关联的属性来确定客户新信用卡账户的基本信用限额; 为帐户分配经调整的信用额度; 并承诺决定是否以更高的信用额度取代调整后的信贷额度。