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公开(公告)号：US08489887B1
公开(公告)日：2013-07-16
申请号：US12347838
申请日：2008-12-31
IPC分类号： G06F21/00
CPC分类号： H04L63/0861 , H04L9/3231 , H04L12/1818 , H04L65/403 , H04N7/15 , H04N21/25875 , H04N21/42203 , H04N21/4223 , H04N21/4415 , H04N21/4788
摘要： Systems and methods for integrating biometric authentication with video conference sessions are described. An individual seeking to participate in a video conference may first be identified with a biometric parameter such as an iris scan based on a comparison of the scanned iris with a database of stored parameters. If authorized, the system may connect the individual to the video session. In addition, the system may generate dynamic tags that allow the participants to identify and locate individuals in the video conference. For example, if one of the participants is speaking and moving within the room, her tag may change color and move with her on the video screen.
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公开(公告)号：US20130179254A1
公开(公告)日：2013-07-11
申请号：US13346679
申请日：2012-01-09
申请人： David Joa , Debashis Ghosh , Thomas Mann
发明人： David Joa , Debashis Ghosh , Thomas Mann
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02
摘要： Embodiments of the invention are directed to collecting one or more expressions of interest from a user, where the one or more expressions of interest indicating potential interest in one or more financial products or financial services. Then, using a processing device, an interest index is calculated based at least in part on the collected one or more expressions of interest from the user. The interest index is configured to quantify a level of interest expressed by the user for one or more financial products or financial services. Next, based at least in part on the interest index, a level of engagement for deepening a relationship with the user is determined. Finally, one or more offline marketing efforts for deepening the relationship with the user are initiated based on the determined level of engagement.
摘要翻译： 本发明的实施例旨在从用户收集一个或多个感兴趣的表达，其中一个或多个兴趣表达表示一个或多个金融产品或金融服务中的潜在兴趣。 然后，使用处理装置，至少部分地基于所收集的一个或多个来自用户的感兴趣的表达式计算兴趣索引。 利息指数被配置为量化用户对一个或多个金融产品或金融服务表达的兴趣水平。 接下来，至少部分地基于兴趣指数，确定用于加深与用户的关系的参与度。 最后，基于确定的参与级别来启动用于深化与用户的关系的一个或多个离线营销努力。
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公开(公告)号：US08219499B2
公开(公告)日：2012-07-10
申请号：US12713638
申请日：2010-02-26
IPC分类号： G06Q99/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0282 , G06Q50/01
摘要： The business review application provides a customer with a bank-hosted business review platform that provides an advertising and feedback service for the bank's business customers and provides a rating, review, feedback, and recommendation service for the bank's individual and business customers. Thus, the bank's customers can rate and review the bank's business customers. The bank uses its authentication systems used by its customers to access online banking services to authenticate the identity of the customer creating a business review in the business review platform. In some embodiments, the business review application only permits its customers to make one review of a business within a certain period of time or one review after a transaction with that business shows up in the customer's transaction information maintained by the bank. In this way, the bank can host a review platform that is much more accurate and trust-worthy than traditional business review platforms.
摘要翻译： 商业评论应用程序为客户提供银行托管的商业评论平台，为银行业务客户提供广告和反馈服务，并为银行的个人和企业客户提供评级，审查，反馈和推荐服务。 因此，银行的客户可以评估和审查银行的业务客户。 银行使用其客户使用的认证系统来访问网上银行服务，以便在业务审查平台中对客户的身份进行身份验证，从而创建业务审查。 在一些实施例中，业务审查应用程序仅允许其客户在与该业务的交易中显示在银行维护的客户的交易信息中的一段时间内对业务进行一次审查或者一次审查。 通过这种方式，银行可以托管一个比传统业务评估平台更准确和信任的评估平台。
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公开(公告)号：US20110320543A1
公开(公告)日：2011-12-29
申请号：US12824981
申请日：2010-06-28
申请人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
发明人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
IPC分类号： G06F15/16
CPC分类号： G06F17/30719 , G06F17/2229 , G06F17/2785 , G06F17/30867 , G06Q10/10 , G06Q50/01
摘要： A system and method for analyzing news content information is disclosed. In a particular embodiment, the method includes receiving a first electronic data from a first news source, wherein the first electronic data is associated with a particular news event and receiving a second electronic data from a second news source, wherein the second electronic data is associated with the particular news event. The method also includes comparing the first and second electronic data and based on the comparison, assigning a numerical value to at least one of the first and second electronic data. The method further includes based on the numerical value assigned to at least one of the first and second electronic data, generating a third electronic data and transmitting the third electronic data to a user.
摘要翻译： 公开了一种用于分析新闻内容信息的系统和方法。 在特定实施例中，该方法包括从第一新闻源接收第一电子数据，其中第一电子数据与特定新闻事件相关联，并从第二新闻源接收第二电子数据，其中第二电子数据被关联 与特定的新闻事件。 该方法还包括比较第一和第二电子数据，并且基于比较，将数值分配给第一和第二电子数据中的至少一个。 该方法还包括基于分配给第一和第二电子数据中的至少一个的数值，产生第三电子数据并将第三电子数据发送给用户。
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公开(公告)号：US20110213665A1
公开(公告)日：2011-09-01
申请号：US12714101
申请日：2010-02-26
CPC分类号： G06Q30/02 , G06Q30/0251 , G06Q30/0264 , G06Q30/0276 , G06Q40/00 , G06Q40/02
摘要： Embodiments of the invention include apparatuses, methods, and computer-program products that provide for a unique bank-based advertising system. In one embodiment, the bank-based advertising system receives an authentication request from a user. The system then compares information received with the authentication request to authentication information stored in a memory system to determine that the user is a customer of the bank and has access to a financial account maintained by a bank. The system then provides the user with access to a bank-based advertising system based at least partially on the determination that user is a customer of the bank and has access to the financial account. The system then allows the user to use the bank-based communication system to create an advertisement on behalf of an owner of the financial account for which the user was authenticated. The system then presents the advertisement through one or more banking outlets.
摘要翻译： 本发明的实施例包括提供独特的基于银行的广告系统的装置，方法和计算机程序产品。 在一个实施例中，基于银行的广告系统从用户接收认证请求。 系统然后将接收的信息与认证请求相关联的存储系统中存储的认证信息进行比较，以确定用户是银行的客户，并且可以访问由银行维护的金融账户。 该系统然后至少部分地基于用户是银行的客户并且具有对该金融账户的访问的确定来向用户提供对基于银行的广告系统的访问。 系统然后允许用户使用基于银行的通信系统来代表用户被认证的财务帐户的所有者创建广告。 然后系统通过一个或多个银行网点提供广告。
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公开(公告)号：US08805937B2
公开(公告)日：2014-08-12
申请号：US12824649
申请日：2010-06-28
申请人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
发明人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
CPC分类号： G06Q10/107
摘要： A system and method for electronic mail analysis and processing is disclosed. In one embodiment, the method includes receiving a plurality of electronic mail messages. The method also includes for each of the plurality of electronic mail messages, determining one or more characteristics associated with the respective electronic mail message. Further, the method includes assigning a numerical value to each of the plurality of electronic mail messages based on the determined characteristics and based on the assigned numerical values, selecting one or more of the plurality of electronic mail messages to transmit to a user. The method further includes generating a message based on the selected one or more of the plurality of electronic mail messages and transmitting the generated message to the user.
摘要翻译： 公开了一种用于电子邮件分析和处理的系统和方法。 在一个实施例中，该方法包括接收多个电子邮件消息。 该方法还包括用于多个电子邮件消息中的每一个，确定与各个电子邮件消息相关联的一个或多个特征。 此外，该方法包括：基于所确定的特征，并基于所分配的数值，为多个电子邮件消息中的每一个分配数值，选择多个电子邮件消息中的一个或多个以传送给用户。 该方法还包括基于所选择的多个电子邮件消息中的一个或多个生成消息，并将生成的消息发送给用户。
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公开(公告)号：US08359362B2
公开(公告)日：2013-01-22
申请号：US12824981
申请日：2010-06-28
申请人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
发明人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
IPC分类号： G06F15/16
CPC分类号： G06F17/30719 , G06F17/2229 , G06F17/2785 , G06F17/30867 , G06Q10/10 , G06Q50/01
摘要： In a particular embodiment, a method includes receiving a first electronic data from a first news source, wherein the first electronic data is associated with a particular news event and receiving a second electronic data from a second news source, wherein the second electronic data is associated with the particular news event. The method also includes comparing the first and second electronic data and based on the comparison, assigning a numerical value to at least one of the first and second electronic data. The method further includes based on the numerical value assigned to at least one of the first and second electronic data, generating a third electronic data and transmitting the third electronic data to a user.
摘要翻译： 在特定实施例中，一种方法包括从第一新闻源接收第一电子数据，其中所述第一电子数据与特定新闻事件相关联，并从第二新闻源接收第二电子数据，其中所述第二电子数据相关联 与特定的新闻事件。 该方法还包括比较第一和第二电子数据，并且基于比较，将数值分配给第一和第二电子数据中的至少一个。 该方法还包括基于分配给第一和第二电子数据中的至少一个的数值，产生第三电子数据并将第三电子数据发送给用户。
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68.发明授权Authentication methods for use in financial transactions and information banking 有权用于金融交易和信息银行的认证方法公开(公告)号：US08028896B2
公开(公告)日：2011-10-04
申请号：US12173720
申请日：2008-07-15
申请人： Samuel Jeff Carter , Ray Garcia , David Joa , David Joffe , John Mertz , Zoran Obradovic , Hans Schumacher
发明人： Samuel Jeff Carter , Ray Garcia , David Joa , David Joffe , John Mertz , Zoran Obradovic , Hans Schumacher
IPC分类号： G06F17/60
CPC分类号： G06Q20/40 , G06Q10/0633 , G06Q10/0637 , G06Q20/02 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/32 , G06Q20/322 , G06Q20/3674 , G06Q20/3829 , G06Q20/42 , G06Q20/425 , G06Q30/0601 , G06Q30/08 , G06Q40/00 , G06Q50/188 , G06Q99/00
摘要： A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented.
摘要翻译： 用于进行金融交易的方法可以由使用移动设备的人进行交易。 移动设备接收与可以用于认证目的的人相关的信息，例如PIN或生物特征数据。 然后，移动设备通过验证所接收的信息来认证该人。 如果该人员通过身份验证，则使用移动设备完成交易，如果该人员未通过身份验证，则会阻止该交易。
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公开(公告)号：US20110213658A1
公开(公告)日：2011-09-01
申请号：US12713899
申请日：2010-02-26
CPC分类号： G06Q40/02 , G06Q20/1085 , G06Q30/02 , G06Q30/0254 , G06Q30/0261 , G06Q40/00
摘要： Embodiments of the present invention provide a system, method and computer program product for providing a new bank-based communication system. For example, embodiments of the invention provide a method for: (1) identifying a user interface, where the user interface is associated with a banking center accessible to a user; (2) identifying a banking center community associated with the banking center; (3) determining content to present on the user interface based at least partially on the banking center community; and (4) presenting the content to the user using the user interface.
摘要翻译： 本发明的实施例提供了一种用于提供新的基于银行的通信系统的系统，方法和计算机程序产品。 例如，本发明的实施例提供了一种用于：（1）识别用户界面的方法，其中所述用户界面与用户可访问的银行中心相关联; （2）识别与银行中心有关的银行中心社区; （3）至少部分地基于银行中心社区确定在用户界面上呈现的内容; 和（4）使用用户界面向用户呈现内容。
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公开(公告)号：US20100114659A1
公开(公告)日：2010-05-06
申请号：US12263561
申请日：2008-11-03
申请人： Kurt D. Newman , Debashis Ghosh , Timothy J. Bendel , David Joa
发明人： Kurt D. Newman , Debashis Ghosh , Timothy J. Bendel , David Joa
CPC分类号： G06Q30/0243 , G06Q30/02 , G06Q30/0256
摘要： Systems and methods for inferring the success or failure of a third-party Marketing Effort Assays (MEAs) from the marketing efforts of that third party which follow up on the MEA are provided. The system may involve identifying Initial MEA Marketing Efforts (IMEs) by the use of keyword analysis, maintaining a database of such marketing efforts, and comparing those IMEs to later-observed follow-up marketing efforts. The system may further involve establishing geographically or demographically similar peer groupings and applying the inferred success or failure of the MEAs in one such peer group member to another such peer group member.
摘要翻译： 提供了第三方营销努力测定（MEA）的成功和失败的系统和方法，从在MEA后续的第三方的营销工作。 该系统可能涉及通过使用关键字分析来识别初始MEA营销努力（IME），维护这种营销努力的数据库，并将这些IME与后续观察的后续营销工作进行比较。 该系统还可以涉及在地理上或人口统计上相似的对等体分组的建立，并且将一个这样的对等体组成员中的MEA的推断的成功或失败应用于另一个这样的对等组成员。
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