公开(公告)号：US20150348083A1

公开(公告)日：2015-12-03

申请号：US14789700

申请日：2015-07-01

申请人： Truaxis, Inc.

发明人： Eli B. Brill ,  Jen Milsop Millard ,  Akshit Mukesh Shah

IPC分类号： G06Q30/02 ,  G06Q20/32 ,  G06Q20/38

CPC分类号： G06Q30/0222 ,  G06Q20/28 ,  G06Q20/3224 ,  G06Q20/387 ,  G06Q30/0201 ,  G06Q30/0204 ,  G06Q30/0255 ,  G06Q30/0261 ,  G06Q30/0269 ,  G06Q40/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

摘要： A method for providing a savings opportunity includes receiving an authorization request for a user transaction by a first remote computer. By analyzing, at the first remote computer, the authorization request, it can be determined if the currency being used during the transaction is different from the preferred currency (as indicated by a user profile). If there is a difference, a savings opportunity indication for the foreign transaction is generated. The savings opportunity indication may be transmitted to a second remote computer where a savings opportunity from a database of savings opportunities is matched to the user. Then, at least one of the user and the merchant is notified by the second remote computer of the savings opportunity. Alternatively, the matched savings opportunity is returned to the first remote computer for transmittal to at least one of the user and the merchant along with an authorization of the transaction.

摘要翻译： 一种用于提供节省机会的方法包括：由第一远程计算机接收用户交易的授权请求。 通过在第一个远程计算机上分析授权请求，可以确定在交易期间正在使用的货币是否不同于首选货币（由用户配置文件指示）。 如果有差异，则会产生外国交易的储蓄机会指示。 储蓄机会指示可以被传送到第二远程计算机，其中来自储蓄机会的数据库的储蓄机会与用户相匹配。 然后，由第二远程计算机通知用户和商家中的至少一个储蓄机会。 或者，将匹配的储蓄机会返回到第一远程计算机，以便传送给用户和商家中的至少一个以及交易的授权。

公开(公告)号：US20150170175A1

公开(公告)日：2015-06-18

申请号：US14631091

申请日：2015-02-25

申请人： Truaxis, Inc.

发明人： Fan Zhang ,  Abhijith Ramesh Kashyap ,  Kaushal Kurapati ,  Francisco Javier Perez-Leon

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0204 ,  G06Q30/0201 ,  G06Q30/0207 ,  G06Q40/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

摘要： Disclosed herein is a method for a merchant to gain information about the purchasing characteristics of a group with which the merchant wishes to interact. Merchants wishing to target group members are not able to specifically identify members of the group through depersonalized transaction data available from financial institutions. Group members are therefore identified through a traditional method: market research. The method also includes noting the purchasing behavior of group members, including providers of goods and services to group members, merchants not patronized by members of the group, and demographic characteristics of the group. An example of such a group is the so-called “millennials”. The identification of group members may be validated through test runs of financial data and fine-tuned to ensure correct identification of group members.

摘要翻译： 这里公开了一种用于商家获得关于商家希望进行交互的组的购买特性的信息的方法。 希望针对集团成员的商家无法通过金融机构提供的个性化交易数据专门识别集团成员。 因此，集团成员通过传统的方法来确定：市场研究。 该方法还包括注意集团成员的购买行为，包括集团成员的商品和服务提供商，不由群组成员光顾的商家以及该群体的人口特征。 这样的一个例子就是所谓的“千禧一代”。 集团成员的识别可以通过财务数据测试进行验证，并进行微调，以确保组成员的正确识别。

公开(公告)号：US08983046B2

公开(公告)日：2015-03-17

申请号：US13975708

申请日：2013-08-26

申请人： AT&T Intellectual Property II, L.P.

发明人： Marian Croak ,  Hossein Eslambolchi

IPC分类号： H04M15/00 ,  H04L12/26

CPC分类号： H04L43/04 ,  H04M15/00 ,  H04M15/31 ,  H04M15/41 ,  H04M15/56 ,  H04M15/62 ,  H04M15/8044 ,  H04M2215/0164 ,  H04M2215/202 ,  H04M2215/745 ,  H04M2215/96

摘要： The present invention enables a method for following the state of a call and generating defects as function of call completion success as opposed to discrete events that happen at individual network elements during the call. In one embodiment, the invention uses Call Detail Records (CDR) to analyze the end-to-end completion status to measure per call basis defects instead of using defect codes generated by network elements on a per equipment basis. CDR is data associated with a telephone call, including the calling and the called numbers, the date and timestamp, the duration, the call setup delay, and the final handling code of the telephone call.

公开(公告)号：US08942700B2

公开(公告)日：2015-01-27

申请号：US13256334

申请日：2010-03-25

申请人： Per Bergqvist ,  Stefan Willehadson

发明人： Per Bergqvist ,  Stefan Willehadson

IPC分类号： H04M15/00 ,  H04W36/00 ,  H04L12/28 ,  H04M17/00 ,  H04L12/14 ,  H04L12/66 ,  H04W4/24 ,  H04L29/12 ,  H04W8/08

CPC分类号： H04L12/66 ,  H04L12/14 ,  H04L12/146 ,  H04L29/12207 ,  H04L61/20 ,  H04M15/00 ,  H04M15/705 ,  H04M15/80 ,  H04M15/8038 ,  H04M15/8044 ,  H04M15/8055 ,  H04M15/8061 ,  H04M17/00 ,  H04M2215/7009 ,  H04M2215/74 ,  H04M2215/7442 ,  H04M2215/745 ,  H04M2215/7464 ,  H04M2215/7471 ,  H04W4/24 ,  H04W8/082

摘要： The present invention relates to a system operable to enable shortest connection route for a mobile means of a subscriber, when the mobile means has roamed between a home network comprised in the system, and a foreign network comprised in the system. When the mobile means requests connection to Internet I, a serving means comprised in the foreign network is operable to communicate with, and to receive information regarding a voucher, representing an amount of money, regarding the foreign network, from a voucher registry means comprised in the system. If a voucher, representing enough amount of money, is registered in the voucher registry means, the serving means is operable to route a packet to a gateway means comprised in the foreign network. The gateway means is operable to allocate an IP address for the mobile means and to function as an access point to Internet I.

摘要翻译： 本发明涉及当移动装置在包括在系统中的家庭网络和包括在系统中的外部网络之间漫游时，能够为订户的移动装置启用最短连接路由的系统。 当移动装置请求连接到因特网I时，包含在外部网络中的服务装置可操作以从包含在外部网络中的凭证登记装置与来自外部网络的代表货币数量的凭单通信并从其接收信息。 系统。 如果代表足够的金额的凭单被登记在凭单注册表中，则服务装置可操作地将分组路由到包含在外部网络中的网关装置。 网关装置可操作以分配用于移动装置的IP地址并用作互联网I的接入点。

公开(公告)号：US20130343203A1

公开(公告)日：2013-12-26

申请号：US13975708

申请日：2013-08-26

申请人： AT&T Intellectual Property II, L.P.

发明人： MARIAN CROAK ,  Hossein Eslambolchi

IPC分类号： H04L12/26

CPC分类号： H04L43/04 ,  H04M15/00 ,  H04M15/31 ,  H04M15/41 ,  H04M15/56 ,  H04M15/62 ,  H04M15/8044 ,  H04M2215/0164 ,  H04M2215/202 ,  H04M2215/745 ,  H04M2215/96

摘要： The present invention enables a method for following the state of a call and generating defects as function of call completion success as opposed to discrete events that happen at individual network elements during the call. In one embodiment, the invention uses Call Detail Records (CDR) to analyze the end-to-end completion status to measure per call basis defects instead of using defect codes generated by network elements on a per equipment basis. CDR is data associated with a telephone call, including the calling and the called numbers, the date and timestamp, the duration, the call setup delay, and the final handling code of the telephone call.

公开(公告)号：US08611515B2

公开(公告)日：2013-12-17

申请号：US12198195

申请日：2008-08-26

申请人： Jonathan O. Ward

发明人： Jonathan O. Ward

IPC分类号： H04M15/00

CPC分类号： H04M15/00 ,  H04M15/08 ,  H04M15/41 ,  H04M15/51 ,  H04M15/80 ,  H04M15/8033 ,  H04M15/8044 ,  H04M15/8061 ,  H04M15/8083 ,  H04M15/90 ,  H04M2215/0152 ,  H04M2215/016 ,  H04M2215/0164 ,  H04M2215/0184 ,  H04M2215/42 ,  H04M2215/54 ,  H04M2215/62 ,  H04M2215/7435 ,  H04M2215/745 ,  H04M2215/7471

摘要： Methods, systems, and products are disclosed for routing a communication. An identifier of an origination point of the communication is received. A destination point associated with a destination of the communication is determined. The origination point and the destination point are analyzed to determine whether the communication may be entirely routed within a local service provider's geographic area.

摘要翻译： 公开了用于路由通信的方法，系统和产品。 接收通信的始发点的标识符。 确定与通信的目的地相关联的目的地点。 分析起始点和目的地点以确定通信是否可以在本地服务提供商的地理区域内完全路由。

公开(公告)号：US20130325681A1

公开(公告)日：2013-12-05

申请号：US13904593

申请日：2013-05-29

申请人： Truaxis, Inc.

发明人： Manjunath Sulibele Somashekar ,  Akshit Mukesh Shah ,  Nilesh Vijay Kulkarni ,  Samir Kothari

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q30/0201 ,  H04M15/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

摘要： Disclosed herein is a method of classifying financial transactions by usage patterns of a user. The method includes analyzing metadata extracted from the information associated with financial transactions in accordance with at least one business rule. Where the analysis includes sequentially analyzing the metadata using a constant-time lookup data structure, a Radix tree, a Lucene tree and fuzzy logic methods, until a unique identifier is found that is associated with the metadata. The metadata with the unique identifier is then added to the constant-time lookup data structure to update the constant-time lookup data structure. The transaction data is then classified based on the unique identifier.

摘要翻译： 本文公开了一种通过用户的使用模式对金融交易进行分类的方法。 该方法包括根据至少一个业务规则分析从与金融交易相关联的信息中提取的元数据。 其中分析包括使用恒定查找数据结构，基数树，Lucene树和模糊逻辑方法顺序分析元数据，直到找到与元数据相关联的唯一标识符。 然后将具有唯一标识符的元数据添加到恒定查找数据结构中，以更新常数查找数据结构。 然后根据唯一标识符对交易数据进行分类。

公开(公告)号：US08538005B2

公开(公告)日：2013-09-17

申请号：US12794471

申请日：2010-06-04

申请人： Marian Croak ,  Hossein Eslambolchi

发明人： Marian Croak ,  Hossein Eslambolchi

IPC分类号： H04M7/00

CPC分类号： H04M15/00 ,  H04M15/46 ,  H04M15/49 ,  H04M15/51 ,  H04M15/56 ,  H04M15/58 ,  H04M15/745 ,  H04M15/8044 ,  H04M2215/0108 ,  H04M2215/0188 ,  H04M2215/202 ,  H04M2215/46 ,  H04M2215/54 ,  H04M2215/56 ,  H04M2215/745

摘要： A method and apparatus for providing subscribers of a VoIP service provider to take advantage of wholesale arrangements made by the VoIP service provider with one or more international partner carrier network providers to one or more international countries are disclosed. Specifically, the present method enables a VoIP service provider to display a web page to their subscribers, for each destination country, with one or more international partner network providers and their corresponding calling rates and/or call completion success rates to each particular destination country.

摘要翻译： 公开了一种用于向VoIP服务提供商的用户提供一个或多个国际国家利用VoIP服务提供商与一个或多个国际伙伴运营商网络提供商所做出的批发安排的方法和装置。 具体而言，本方法使得VoIP服务提供商能够为每个目的地国家，与一个或多个国际伙伴网络提供商及其对应的呼叫率和/或呼叫完成成功率向每个特定目的地国家显示其用户的网页。

公开(公告)号：US08538004B2

公开(公告)日：2013-09-17

申请号：US12350574

申请日：2009-01-08

申请人： Allen Michael East ,  Gregory A. Dunko ,  Leland Scott Bloebaum

发明人： Allen Michael East ,  Gregory A. Dunko ,  Leland Scott Bloebaum

IPC分类号： H04M7/00

CPC分类号： H04L65/1096 ,  H04M1/2535 ,  H04M1/72519 ,  H04M1/7253 ,  H04M3/54 ,  H04M7/0057 ,  H04M7/006 ,  H04M15/00 ,  H04M15/56 ,  H04M15/8044 ,  H04M15/8055 ,  H04M15/8061 ,  H04M15/8083 ,  H04M2207/18 ,  H04M2215/0184 ,  H04M2215/202 ,  H04M2215/2026 ,  H04M2215/2033 ,  H04M2215/745 ,  H04M2215/7464 ,  H04M2215/7471 ,  H04M2250/02 ,  H04W4/24 ,  H04W76/10 ,  H04W76/12 ,  H04W88/04

摘要： A dual mode user terminal for a calling party can make calls over both a conventional cellular network and a packet data network using VoIP protocols. If the called party is not available to receive a VoIP call over the packet data network, the user terminal for the calling party can request a third party user terminal available on the packet data network to relay the call between the calling party and the called party.

摘要翻译： 用于主叫方的双模式用户终端可以使用VoIP协议通过传统蜂窝网络和分组数据网络进行呼叫。 如果被叫方不能通过分组数据网络接收VoIP呼叫，则主叫方的用户终端可以请求分组数据网络上可用的第三方用户终端中继呼叫方与被叫方之间的呼叫 。

公开(公告)号：US08537687B2

公开(公告)日：2013-09-17

申请号：US12062248

申请日：2008-04-03

申请人： John Valdez ,  Vivek Pachaiyappan ,  Vamshi K. Gillipalli ,  Amit B. Patadia

发明人： John Valdez ,  Vivek Pachaiyappan ,  Vamshi K. Gillipalli ,  Amit B. Patadia

IPC分类号： H04L12/24

CPC分类号： H04M7/0057 ,  H04M15/00 ,  H04M15/56 ,  H04M15/62 ,  H04M15/745 ,  H04M15/8044 ,  H04M2215/0108 ,  H04M2215/0168 ,  H04M2215/202 ,  H04M2215/745

摘要： A system includes a communications device configured to selectively allow communications in a plurality of communications protocols, and a router configured to receive a communications request from a user. The router may determine a preferred communications protocol from the plurality of communications protocols, based on at least a portion of the received communications request.

摘要翻译： 系统包括被配置为选择性地允许多个通信协议中的通信的通信设备和被配置为从用户接收通信请求的路由器。 路由器可以基于所接收的通信请求的至少一部分来确定来自多个通信协议的优选通信协议。