公开(公告)号：US20070130347A1

公开(公告)日：2007-06-07

申请号：US11672761

申请日：2007-02-08

申请人： P Rangan ,  Manoj Sharma ,  Sreeranga Rajan ,  Jonathan Wu

发明人： P Rangan ,  Manoj Sharma ,  Sreeranga Rajan ,  Jonathan Wu

IPC分类号： G06F15/16

CPC分类号： G06Q30/02 ,  G06Q10/10

摘要： A system for harvesting information from network-based sources for a user has a network-connected server with software stored on and operable from a data repository accessible to the server, a user profile stored in the repository, comprising identification of network information sites storing information personal to the user, user ID for enabling the server to log in to the sites on behalf of the user, and one or more report algorithms associated with pre-defined user requests. The server, executing the software, upon receiving one of the pre-defined requests from the user, visits and gathers information from one or more sites indicated in the user profile, and presents a report to the user comprising the information gathered, formatted according to the report algorithm associated with the user's request.

摘要翻译： 用于从基于网络的源收集用于用户的信息的系统具有网络连接的服务器，其具有存储在服务器可访问的数据存储器上并可从其操作的软件，存储在存储库中的用户简档，包括识别存储信息的网络信息站点 用户身份，用于使服务器能够代表用户登录到站点的用户ID以及与预定义的用户请求相关联的一个或多个报告算法。 服务器在接收到来自用户的预先定义的请求之一时，执行该软件，从用户简档中指示的一个或多个站点访问和收集信息，并向用户呈现报告，该报告包括根据 与用户请求相关联的报告算法。

公开(公告)号：US08417644B2

公开(公告)日：2013-04-09

申请号：US11107274

申请日：2005-04-15

申请人： Hill Ferguson ,  Blake Hayward ,  Ramakrishna Satyavolu

发明人： Hill Ferguson ,  Blake Hayward ,  Ramakrishna Satyavolu

IPC分类号： G06Q40/00 ,  G06F17/00

CPC分类号： G06F17/30867 ,  G06F17/3089 ,  G06F17/30899 ,  G06F21/41 ,  G06F2221/2101 ,  G06F2221/2105 ,  G06F2221/2111 ,  G06Q20/102 ,  H04L29/06027 ,  H04L63/10 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2838 ,  H04L67/289

摘要： A system for transacting in a network includes a service broker connected to the network, having access to necessary credentials, a service provider connected to the network, requiring credentials for transacting in regard to a client, and a client station connected to the network. A client using the client station sends a preliminary request for a transaction to the service broker, which initiates, at the appropriate time, the transaction for the client by a request to the service provider, accompanied by the appropriate credentials, and the service broker monitors the service provider after the write request for an acknowledgement of the request.

摘要翻译： 用于在网络中进行交易的系统包括连接到网络的服务代理，具有访问必要的凭证，连接到网络的服务提供商，需要相对于客户端进行交易的凭证以及连接到网络的客户端站。 使用客户站的客户端向服务代理发送事务的初步请求，服务代理在适当的时候通过对服务提供商的请求发送客户端的交易，伴随着适当的凭证，并且服务代理监视器 服务提供商在写请求后确认请求。

公开(公告)号：US20120116969A1

公开(公告)日：2012-05-10

申请号：US13349915

申请日：2012-01-13

申请人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

发明人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

IPC分类号： G06Q40/02

CPC分类号： G06Q20/108 ,  G06F17/30867 ,  G06F17/3089 ,  G06F17/30899 ,  G06F21/41 ,  G06F2221/2119 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/12 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2838

摘要： A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link, an interactive calendar link, a plurality of interactive drop-down menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface.

摘要翻译： 一种提供账单支付模块的软件套件，包括列出账单和支付账户的交互式主界面，交互式历史链接，嵌入在主界面中的交互式设置链接，交互式转移资金链接，交互式日历 链接，多个交互式下拉菜单，其在调用时提供用于处理所列出的帐单的多个可选择的交互选项以及嵌入在主界面中的交互式刷新全部链接。

公开(公告)号：US07937325B2

公开(公告)日：2011-05-03

申请号：US09785929

申请日：2001-02-16

申请人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

发明人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

IPC分类号： G06Q40/00

CPC分类号： G06Q20/108 ,  G06F17/30867 ,  G06F17/3089 ,  G06F17/30899 ,  G06F21/41 ,  G06F2221/2119 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/12 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2838

摘要： A server on a data network including software for providing a bill payment service for a user comprising a bill-payment module for navigating to the user's multiple data sources on the data network collecting and aggregating data on behalf of the user comprising, a main interface for listing the bills due and payment accounts of the user, a plurality of links enabling viewing and manipulation of bill history, recurring payments, and automated transfer of funds between registered accounts and a link for viewing calendar data. The system further provides a plurality of drop-down menus wherein each menu is associated with a listed bill, the menus providing a plurality of selectable, interactive options for viewing, managing and paying a bill and a link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface.

摘要翻译： 一种数据网络上的服务器，包括用于为用户提供账单支付服务的软件，其包括用于导航到数据网络上的用户的多个数据源的账单支付模块，用于代表用户收集和聚集数据，包括：主界面 列出用户的账单到期和支付帐户，多个链接，使得能够观看和操纵账单历史，定期支付，以及在注册账户与用于查看日历数据的链接之间的资金的自动转账。 该系统还提供多个下拉菜单，其中每个菜单与列出的纸币相关联，菜单提供多个可选择的交互式选项，用于查看，管理和支付纸币以及嵌入在主界面中的链接，以使选择性 或完成数据刷新界面中显示的数据。

公开(公告)号：US07930411B1

公开(公告)日：2011-04-19

申请号：US09661589

申请日：2000-09-14

申请人： Blake Earl Hayward

发明人： Blake Earl Hayward

IPC分类号： G06F15/16

CPC分类号： H04L63/0815 ,  G06F21/41 ,  G06F21/577

摘要： A networked-based system for providing online verification of users applying for third-party services available through the network is provided. The system employs a first server node connected to the network for offering application to third-party services through the network, a user node connected the network for accessing the first server node and applying for third-party services, a second server node connected to the network and accessible from the first server node, the second server node for processing verification requests communicated from the first server node, a third server node connected the network and accessible from the second server node, the third server node for navigating on the network by proxy according to navigation requests communicated from the second server node and a data repository accessible at least to the second server node for storing data about users being verified. A user operating the user node accesses the first server node and applies for a service or services offered through the first server node and submits data for verification, the first server node sending the data in the form of a verification request to the second server node, the second server node creating a navigation request containing a portion of the submitted data and sending the navigation request to third server, the third server performing the navigation according to the request and reporting navigation results back to the second server, the second server reporting the results back to the first server for verification purposes.

摘要翻译： 提供了一种基于网络的系统，用于提供通过网络可用的第三方服务的用户的在线验证。 系统采用连接到网络的第一服务器节点，通过网络向第三方服务提供应用，连接网络的用户节点访问第一服务器节点并申请第三方服务;第二服务器节点连接到 网络并且可从第一服务器节点访问第二服务器节点，用于处理从第一服务器节点传送的验证请求，连接到网络并可从第二服务器节点访问的第三服务器节点，第三服务器节点，用于通过代理在网络上导航 根据从第二服务器节点传送的导航请求和至少可访问到第二服务器节点的数据存储库，用于存储关于正被验证的用户的数据。 操作用户节点的用户访问第一服务器节点并且应用通过第一服务器节点提供的服务或服务，并提交用于验证的数据，第一服务器节点以核对请求的形式将数据发送到第二服务器节点， 所述第二服务器节点创建包含所述提交数据的一部分并将所述导航请求发送给第三服务器的导航请求，所述第三服务器根据所述请求执行导航并将所述导航结果报告给所述第二服务器，所述第二服务器报告所述结果 回到第一台服务器进行验证。

公开(公告)号：US07729283B2

公开(公告)日：2010-06-01

申请号：US11027724

申请日：2004-12-30

申请人： Hill Ferguson ,  Blake Hayward ,  Ramakrishna Satyavolu

发明人： Hill Ferguson ,  Blake Hayward ,  Ramakrishna Satyavolu

IPC分类号： H04L12/28

CPC分类号： H04L67/025 ,  G06F17/30867 ,  G06F17/3089 ,  G06F17/30899 ,  G06F21/31 ,  G06F21/41 ,  G06F2221/2115 ,  G06F2221/2119 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q30/04 ,  H04L29/06027 ,  H04L63/083 ,  H04L67/02 ,  H04L67/14 ,  H04L67/28 ,  H04L67/2838 ,  H04L67/289

摘要： A system for establishing a direct network connection between a first and a second node over a data-packet-network includes a third network node having connection to the data-packet-network for providing an electronic interface accessible to the first node; a navigation agent directed by the third network node for navigating over the network to the second node to gather information; and at least one machine-readable instruction containing the instruction for directing and implementing the direct network connection. The electronic interface may be a Web page providing bill consolidation and payment services to a client operating the first node and wherein the connection established via the instruction enables transparent login payment of a bill at the second node, which may be a direct billing party interface of the client registered and listed on the Web page.

摘要翻译： 用于在数据分组网络上建立第一和第二节点之间的直接网络连接的系统包括具有到数据分组网络的连接的第三网络节点，用于提供第一节点可访问的电子接口; 由第三网络节点指导的导航代理，用于通过网络导航到第二节点以收集信息; 以及包含用于指导和实现直接网络连接的指令的至少一个机器可读指令。 电子接口可以是向操作第一节点的客户端提供票据合并和支付服务的网页，并且其中经由该指令建立的连接使得能够在第二节点处进行账单的透明登录支付，所述第二节点可以是直接计费方接口 客户端注册并列在网页上。

公开(公告)号：US07644023B2

公开(公告)日：2010-01-05

申请号：US09854233

申请日：2001-05-10

申请人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Greene Scott ,  Senthil Kumar Pandurangan

发明人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Greene Scott ,  Senthil Kumar Pandurangan

IPC分类号： G06Q40/00

CPC分类号： G06F17/30899 ,  G06F17/30867 ,  G06F17/3089 ,  G06F21/41 ,  G06F2221/2119 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2838

摘要： A system for updating parameters of financial transactions associated with financial services initiated and completed on behalf of or directly by a user through access to a data-packet-network into more than one electronic interface accessible to the user is provided. The system comprises, a main electronic interface supported by back-end software, the main interface for registering all user accounts into at least one portfolio group, the accounts accessible in detail through the main interface, at least one cobranded electronic interface supported by back-end software, the cobranded interface mirroring the accounts registered in the main electronic interface and a plurality of institution-specific electronic interfaces for providing direct account registration, reporting, and maintenance specific to accounts provided by the associated institutions. Through direct linking between the main, cobranded, and institution-specific interfaces, any parameters associated with any action initiated to a specific account through any of the interfaces is immediately propagated to the other interfaces.

摘要翻译： 提供了一种用于通过将数据分组网络访问到用户可访问的多于一个电子接口来代替或直接由用户发起和完成的与金融服务相关联的金融交易参数的系统。 该系统包括由后端软件支持的主电子接口，用于将所有用户账户注册到至少一个投资组合中的主界面，通过主界面可以详细访问的账户，至少一个由后端软件支持的支配电子接口， 终端软件，镜像在主电子界面中登记的帐户的多个专用接口和多个机构专用电子接口，用于提供特定于相关机构提供的账户的直接账户注册，报告和维护。 通过直接链接主要的，分散的和机构的接口，任何与通过任何接口发起到特定帐户的动作相关联的参数都将立即传播到其他接口。

公开(公告)号：US20070088821A1

公开(公告)日：2007-04-19

申请号：US11563329

申请日：2006-11-27

申请人： Subhash Sankuratripati ,  Jaideep Srivastava ,  Dinesh Shanbhag

发明人： Subhash Sankuratripati ,  Jaideep Srivastava ,  Dinesh Shanbhag

IPC分类号： G06F15/173

CPC分类号： G06Q30/02 ,  H04L67/20 ,  H04L67/22 ,  H04L67/306

摘要： An advertisement selection and delivery system for selecting advertisements based on profile information and rendering the advertisements as accessible to a user operating a network-capable appliance connected to a data-packet-network is provided. The system comprises, a first server node connected to the network, the first server node functioning as a user access point on the network, a mass storage repository accessible to the first server node, the repository for storing and serving user profile data, a second server node connected to the network, the second server node for generating user preference data, at least one advertisement server connected to the network, the advertisement server for serving advertisement data, a software application for generating user preference lists and performing advertisement selection and at least one network-capable appliance connected to the network the network-capable appliance for receiving the advertisement data. A user operating the network-capable appliance accesses the first server node and receives the advertisement data, the advertisement data selected for service by matching the user preference data to stored advertisements and rendered accessible to the user during the time of user access to the system from the network-capable appliance.

摘要翻译： 提供了一种广告选择和传送系​​统，用于基于简档信息选择广告，并且向用户操作连接到数据分组网络的网络设备的用户呈现广告。 该系统包括：连接到网络的第一服务器节点，用作网络上的用户接入点的第一服务器节点，第一服务器节点可访问的大容量存储库，用于存储和服务用户简档数据的存储库，第二服务器节点 连接到网络的服务器节点，用于生成用户偏好数据的第二服务器节点，连接到网络的至少一个广告服务器，用于服务广告数据的广告服务器，用于生成用户偏好列表和执行广告选择的软件应用，并且至少 一个具有网络能力的设备连接到网络，用于接收广告数据的具有网络能力的设备。 操作具有网络能力的设备的用户访问第一服务器节点并接收广告数据，通过将用户偏好数据与存储的广告相匹配来选择用于服务的广告数据，并且在用户访问系统期间使用户可访问的广告数据 具有网络功能的设备。

公开(公告)号：US07200804B1

公开(公告)日：2007-04-03

申请号：US09653908

申请日：2000-09-01

申请人： Sam Khavari ,  Tim Armandpour

发明人： Sam Khavari ,  Tim Armandpour

IPC分类号： G06F17/00

CPC分类号： H04L67/34 ,  G06F17/2229 ,  G06F17/2235 ,  G06F17/2247 ,  G06F17/227 ,  G06F17/243 ,  G06F17/30864 ,  G06F17/30867 ,  G06F17/30873 ,  G06F17/3089 ,  G06F17/30899 ,  G06F21/41 ,  G06F2221/2119 ,  H04L63/0815 ,  H04L67/02 ,  H04L67/10 ,  H04L67/306 ,  H04L69/329

摘要： A software application for enabling creation and execution of an automated browser navigation sequence is provided. The software application comprises a session recording module for recording parameters associated with a manual navigation sequence, a file creation module for converting data of a manual session into data comprising an executable sequence of instructions for conducting an automated navigation sequence, and an application-program-interface module for integrating a functional capability with the automated navigation sequence. The automated navigation sequence is characterized in that a completely automated browser-navigation sequence performed by the browser application is enabled through execution of the executable instruction sequence created from the recorded parameters of the manual navigation sequence.

摘要翻译： 提供了一种用于启用自动浏览器导航序列的创建和执行的软件应用程序。 软件应用包括用于记录与手动导航序列相关联的参数的会话记录模块，用于将手动会话的数据转换成包括用于进行自动导航序列的可执行指令序列的数据的文件创建模块，以及应用程序 - 接口模块，用于将功能能力与自动导航序列集成。 自动导航序列的特征在于，通过执行从手动导航序列的记录参数创建的可执行指令序列，能够实现由浏览器应用执行的完全自动化的浏览器导航序列。

公开(公告)号：US07155508B2

公开(公告)日：2006-12-26

申请号：US09827011

申请日：2001-04-04

申请人： Subhash Sankuratripati ,  Jaideep Srivastava ,  Dinesh K. Shanbhag

发明人： Subhash Sankuratripati ,  Jaideep Srivastava ,  Dinesh K. Shanbhag

IPC分类号： G06F15/173

CPC分类号： G06Q30/02 ,  H04L67/20 ,  H04L67/22 ,  H04L67/306

摘要： An advertisement selection and delivery system for selecting advertisements based on profile information and rendering the advertisements as accessible to a user operating a network-capable appliance connected to a data-packet-network is provided. The system comprises, a first server node connected to the network, the first server node functioning as a user access point on the network, a mass storage repository accessible to the first server node, the repository for storing and serving user profile data, a second server node connected to the network, the second server node for generating user preference data, at least one advertisement server connected to the network, the advertisement server for serving advertisement data, a software application for generating user preference lists and performing advertisement selection and at least one network-capable appliance connected to the network the network-capable appliance for receiving the advertisement data. A user operating the network-capable appliance accesses the first server node and receives the advertisement data, the advertisement data selected for service by matching the user preference data to stored advertisements and rendered accessible to the user during the time of user access to the system from the network-capable appliance.