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公开(公告)号：US20130297513A1
公开(公告)日：2013-11-07
申请号：US13464504
申请日：2012-05-04
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4014 , G06Q20/3821 , G06Q20/409 , G06Q20/42 , G06Q40/02
摘要： Technologies are generally described for multi factor security authentication algorithm methods in authorizing and using client devices to perform banking transactions. A customer can register and associate a client device with their account. The customer can further create unique login information associated with their account. A customer's login information, client device, and a push confirmation must be verified for accuracy prior to allowing the customer to perform banking operations. Using multi factor authentication process, banking transactions can be performed more reliably and securely.
摘要翻译： 一般来说，在授权和使用客户端设备进行银行交易时，通常会采用多因素安全认证算法方法来描述技术。 客户可以注册并将客户端设备与其帐户相关联。 客户可以进一步创建与其帐户相关联的唯一登录信息。 在允许客户执行银行业务之前，必须验证客户的登录信息，客户端设备和推送确认的准确性。 使用多因素认证流程，可以更可靠，安全地执行银行交易。
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12.发明申请公开(公告)号：US20130268551A1
公开(公告)日：2013-10-10
申请号：US13442601
申请日：2012-04-09
申请人： Andrey H. Nikankin
发明人： Andrey H. Nikankin
IPC分类号： G06F17/30
CPC分类号： G06F16/36
摘要： Systems and methods for generating a matrix that maps known terms to tag values based on pre-existing tag value assignments are disclosed herein. A tag finder component receives a term and queries one or more networked data sources to identify a usage of the term and one or more tags assigned to the term in association with the usage of the term. A tag extraction component extracts the one or more tags assigned to the term in association with the usage of the term, and a matrix formation component associates the one or more tags with the term in a data matrix.
摘要翻译： 本文公开了用于生成将已知术语映射到基于先前存在的标签值分配的标签值的矩阵的系统和方法。 标签查找器组件接收术语并且查询一个或多个联网数据源以识别该术语的使用以及与该术语的使用相关联地分配给该术语的一个或多个标签。 标签提取组件提取与该术语的使用相关联地分配给该术语的一个或多个标签，并且矩阵形成组件将一个或多个标签与数据矩阵中的术语相关联。
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公开(公告)号：US20130218779A1
公开(公告)日：2013-08-22
申请号：US13401719
申请日：2012-02-21
CPC分类号： G06Q40/02 , H04L9/3228 , H04L9/3263 , H04L63/0428 , H04L63/0823
摘要： Technologies are generally described for security algorithm methods in authorizing and using digital certificates to perform banking transactions. A customer can register and associate a personal identification number with a digital certificate. The personal identification number can be used by a client device to generate a certificate request. A request to perform a banking transaction along with a certificate request can be sent to a bank server, where, upon authorization of a valid certificate request, the banking operation can be performed. Using the digital certificate as one authentication factor and a customer login and password as a second authentication factor, banking transactions can be performed more reliably and securely.
摘要翻译： 在授权和使用数字证书执行银行交易时，通常会描述安全算法方法的技术。 客户可以注册并将个人识别号码与数字证书相关联。 个人识别号码可以由客户端设备用来生成证书请求。 执行银行交易以及证书请求的请求可以被发送到银行服务器，其中，在有效证书请求的授权下，可以执行银行业务。 使用数字证书作为一个认证因素，将客户登录和密码作为第二认证因素，可以更可靠和可靠地执行银行业务。
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公开(公告)号：US20130138554A1
公开(公告)日：2013-05-30
申请号：US13307457
申请日：2011-11-30
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02
摘要： Disclosed are electronic systems and techniques for implementing dynamic risk assessment and credit standards generation. The risk assessment component can dynamically determine a risk of lending to a potential borrower based on a set of risk assessment criteria, and classify the potential borrower based on the risk. In addition, the risk assessment component can forecast a subset of the risk assessment criteria. A standards generation component can dynamically generate a set of lending criteria for respective classifications of potential borrowers based at least in part on a set of predetermined criterion or previous lending outcomes. An approval component can determine whether the potential borrower is eligible for one or more loans as a function of the set of lending criteria corresponding to the determined classification, and a terms component can generate a set of terms for the one or more loans.
摘要翻译： 公开了用于实施动态风险评估和信用标准生成的电子系统和技术。 风险评估组件可以根据一组风险评估标准动态确定向潜在借款人提供贷款的风险，并根据风险对潜在借款人进行分类。 此外，风险评估组件可以预测风险评估标准的一个子集。 标准生成组件可以至少部分地基于一组预定标准或先前的贷款结果来动态地产生用于潜在借款人的相应分类的一组贷款标准。 批准组件可以根据与所确定的分类相对应的一组贷款标准来确定潜在借款人是否有资格获得一个或多个贷款，而术语组件可以为一个或多个贷款产生一组术语。
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15.发明申请CONVERTING PAPER INVOICE TO ELECTRONIC FORM FOR PROCESSING OF ELECTRONIC PAYMENT THEREOF 有权将纸张发票转换为电子付款处理电子表格公开(公告)号：US20130060684A1
公开(公告)日：2013-03-07
申请号：US13226177
申请日：2011-09-06
申请人： Ilya Oskolkov , Rodion Shishkov
发明人： Ilya Oskolkov , Rodion Shishkov
IPC分类号： G06Q40/00
摘要： Systems, apparatuses and methods are described for remotely processing paper invoices online. In an aspect, a method comprises receiving by a computing device, an electronic image representative of an invoice associated with a user of the device and a payee, sending the electronic image of the invoice to an online accounting system, wherein the online accounting system converts the electronic image of the invoice into an electronic form, accessing accounts associated with the user of the device, accessing the electronic form of the invoice, and authorizing payment of the invoice, including authorizing electronic transfer of money from at least one of the accounts to the payee. The method can further include receiving a list of payees, selecting the payee from the list of payees, and sending the selection of the payee to the online accounting system, wherein the online accounting system links the payee to the invoice.
摘要翻译： 描述了用于在线远程处理纸张发票的系统，设备和方法。 一方面，一种方法包括由计算设备接收代表与设备的用户相关联的发票的电子图像和收款人，将发票的电子图像发送到在线会计系统，其中在线会计系统转换 将发票的电子图像转换为电子表格，访问与设备的用户相关联的帐户，访问发票的电子表格，以及授权支付发票，包括授权从至少一个帐户电子转帐到至 收款人。 该方法还可以包括接收收款人列表，从收款人列表中选择收款人，并将收款人的选择发送到在线会计系统，其中在线会计系统将收款人链接到发票。
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公开(公告)号：US20140245334A1
公开(公告)日：2014-08-28
申请号：US13777970
申请日：2013-02-26
发明人： Leonid Belyaev , Igor Sokolov , Ilya Baronshin
IPC分类号： H04N21/442
CPC分类号： H04N21/44222 , H04N21/4532 , H04N21/4622 , H04N21/4668
摘要： Media content programming and portions of the media content programming are aggregated and communicated via a single communication channel based on a user profile. Various channels of video content are selected for viewing content. A channel is configured to communicate various programming according to video content and/or a media source. The channel can be configured with video content from media sources such as from various broadcast channels, news feeds, web page feeds, social network feeds, online subscription services, and the like. User profile data provides access to one or more of the media sources for video content. The user profile can include user preferences for content, times and/or media sources from which the content is viewed from. Multiple personalized channels can therefore be configured and personalized according to the user profile.
摘要翻译： 基于用户简档，通过单个通信信道来聚合和传送媒体内容节目和媒体内容节目的部分。 视频内容的各种频道被选择用于观看内容。 通道被配置为根据视频内容和/或媒体源传送各种节目。 频道可以配置来自媒体源的视频内容，例如来自各种广播频道，新闻馈送，网页馈送，社交网络馈送，在线订阅服务等。 用户简档数据提供对视频内容的一个或多个媒体源的访问。 用户简档可以包括用于从内容观看的内容，时间和/或媒体源的用户偏好。 因此，可以根据用户简档配置和个性化多个个性化渠道。
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公开(公告)号：US20140244476A1
公开(公告)日：2014-08-28
申请号：US13777986
申请日：2013-02-26
申请人： Simon Shvarts , Evgeniya Kuyda
发明人： Simon Shvarts , Evgeniya Kuyda
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： A financial interaction related to personal data analytics and behavioral data is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and provides direct feedback during the financial interaction. The system operates as a personal companion for assisting clients with personal financial decisions as well as personal interactions according to personal data and behavioral data learned about the user. Communications from the system can be initiated to facilitate a conversation according to data learned, such as personal data, user preference data, and behavioral data from different financial transactions. Based on continued interactions with the user, estimates can be made of a financial score and rewards or stimulus can be presented to the user.
摘要翻译： 促进与个人数据分析和行为数据相关的财务交互。 金融互动驱动行为影响实时信用风险，并在金融交互过程中提供直接反馈。 该系统作为个人伴侣，根据个人数据和有关用户的行为数据帮助客户进行个人财务决策以及个人交互。 可以启动来自系统的通信，以根据所获得的数据，例如个人数据，用户偏好数据和来自不同金融交易的行为数据来促进对话。 基于与用户的持续互动，可以估计财务分数，奖励或刺激可以呈现给用户。
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公开(公告)号：US08799165B2
公开(公告)日：2014-08-05
申请号：US13348191
申请日：2012-01-11
CPC分类号： G06Q20/4014 , G06Q10/06 , G06Q20/3221 , G06Q20/3829 , G06Q20/40 , G06Q40/02 , H04L9/3228 , H04L63/0876
摘要： Technologies are generally described for security algorithm methods in authorizing and linking devices associated with a customer. A first device can be linked to a customer account. Additional devices can be linked to the customer account. Those devices can be authenticated to perform banking operations using dual factor authentication wherein a customer's login information is a first factor and the customer using a previously authenticated device is a second factor. By using additional methods of authentication, transactions can be done more reliably and securely.
摘要翻译： 技术通常被描述用于在与客户相关联的设备的授权和链接中的安全算法方法。 第一个设备可以链接到客户帐户。 其他设备可以链接到客户帐户。 这些设备可以通过双重身份验证进行身份验证，其中客户的登录信息是第一个因素，而使用先前认证的设备的客户是第二个因素。 通过使用其他验证方法，可以更可靠和安全地完成事务。
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公开(公告)号：US20140108214A1
公开(公告)日：2014-04-17
申请号：US13651568
申请日：2012-10-15
发明人： Vsevolod Kuznetsov
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： A financial planning system uses contextual data about a user to help create and modify a financial plan to achieve a financial goal. Financial goals can include money saving goals, investment goals, loan payment goals, and goals to purchase or rent goods, property and/or services. In some embodiments, the financial planning system can create a collaborative financial plan to create a financial plan for a group of people to achieve a shared financial goal. Contextual data, such as banking information, social network activity, past activity, preferences, etc., can be used to shape the financial plan to make it more effective and efficient. Banking accounts, social network accounts, loyalty program accounts, and others can be linked to the financial planning system to enable the financial planning system in gathering contextual background information.
摘要翻译： 财务规划系统使用关于用户的上下文数据来帮助创建和修改财务计划以实现财务目标。 财务目标可以包括节省资金的目标，投资目标，贷款支付目标以及购买或出租商品，财产和/或服务的目标。 在一些实施例中，财务规划系统可以创建协作财务计划以为一群人创建财务计划以实现共同的财务目标。 可以使用诸如银行信息，社交网络活动，过去活动，偏好等的上下文数据来塑造财务计划，使其更有效和高效。 银行账户，社交网络账户，忠诚度计划账户等可以与财务规划系统相关联，从而使财务规划系统能够收集上下文背景信息。
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公开(公告)号：US20140101012A1
公开(公告)日：2014-04-10
申请号：US13647732
申请日：2012-10-09
申请人： Vsevolod Kuznetsov
发明人： Vsevolod Kuznetsov
IPC分类号： G06Q40/00
摘要： Disclosed are electronic systems and techniques for implementing collaborative financial planning system for online shopping. An input component can receive a set of data related to a collaborative financial goal from one or more participating users (e.g., via user identities) and/or a set of data sources. A goal-setting component can generate a collaborative financial goal associated with an object from an online catalog based on least in part on the received set of data. The collaborative financial goal can include a description of the object, a set of participating users, and/or a target completion date. A planning component can dynamically generate a collaborative for participating users to achieve the financial goal and an execution component can execute the collaborative plan for the financial goal.
摘要翻译： 公开了实现网络购物协同财务规划系统的电子系统和技术。 输入组件可以从一个或多个参与用户（例如，经由用户身份）和/或一组数据源接收与协作财务目标相关的一组数据。 目标设置组件可以至少部分地基于所接收的数据集，从在线目录生成与对象相关联的协作财务目标。 合作财务目标可以包括对象的描述，一组参与用户和/或目标完成日期。 计划组件可以动态地为参与的用户生成协作以实现财务目标，并且执行组件可以执行用于财务目标的协作计划。
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