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    Physical item security: tracking device activation
    71.
    发明授权
    Physical item security: tracking device activation 有权
    物理物品安全：跟踪设备激活

    公开(公告)号：US08502644B1

    公开(公告)日：2013-08-06

    申请号：US12362313

    申请日：2009-01-29

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

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

    IPC分类号： G08B1/08

    CPC分类号： G06Q10/0833 ,  G06Q10/08

    摘要： Embodiments of the present invention relate to systems and methods for tracking an item by concealing a tracking device in the item and activating the tracking device when the item is relocated or accessed without authorization. In particular, according to some embodiments, a system is provided for tracking the geographic location of a physical item that is stored in a controlled area and then later removed from the controlled area. An exemplary system comprises: an inner sensor located proximate to a perimeter of the controlled area; an outer sensor located between the perimeter and the inner sensor; and a tracking device associated with the physical item, wherein the tracking device is triggered when the physical item passes by the inner sensor and then the outer sensor.

    摘要翻译： 本发明的实施例涉及通过在项目中隐藏跟踪装置来跟踪物品的系统和方法，并且在未经授权重新定位或访问物品时激活跟踪装置。 具体地，根据一些实施例，提供了一种用于跟踪存储在受控区域中然后从受控区域中移除的物理物品的地理位置的系统。 示例性系统包括：位于受控区域的周边附近的内部传感器; 位于周边和内部传感器之间的外部传感器; 以及与物理物品相关联的跟踪装置，其中当物理物品通过内部传感器然后外部传感器时触发跟踪装置。

    BUILDING AND USING AN INTELLIGENT LOGICAL MODEL OF EFFECTIVENESS OF MARKETING ACTIONS
    72.
    发明申请
    BUILDING AND USING AN INTELLIGENT LOGICAL MODEL OF EFFECTIVENESS OF MARKETING ACTIONS 审中-公开
    建立和使用营销行动有效性的智能逻辑模型

    公开(公告)号：US20130179255A1

    公开(公告)日：2013-07-11

    申请号：US13346682

    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 receiving one or more triggers associated with a customer of a financial institution, determining, using one or more processing devices running an intelligent logical model, one or more weightings, each of the one or more weightings corresponding to one of the one or more triggers, applying the weighting to each of the one or more triggers resulting in one or more weighted triggers, and determining, based on at least one of the weighted triggers, a marketing action to initiate. In some embodiments, the invention is also directed to initiating the determined marketing action, receiving feedback corresponding with the customer of the financial institution, the feedback also corresponding to the determined marketing action, inputting the customer feedback to the intelligent logical model, and associating the feedback with the one or more triggers and the determined one or more weightings.

    摘要翻译： 本发明的实施例旨在接收与金融机构的客户相关联的一个或多个触发器，确定使用运行智能逻辑模型的一个或多个处理设备，一个或多个权重，所述一个或多个权重中的每一个对应于一个 对所述一个或多个触发器进行加权，对所述一个或多个触发器中的每一个施加加权，导致一个或多个加权触发器，以及基于所述加权触发器中的至少一个来确定要启动的营销动作。 在一些实施例中，本发明还涉及发起确定的营销动作，接收与金融机构的客户相对应的反馈，还对应于所确定的营销动作的反馈，将客户反馈输入到智能逻辑模型，并将 反馈与一个或多个触发和所确定的一个或多个权重。

    Electronic Mail Analysis and Processing
    73.
    发明申请
    Electronic Mail Analysis and Processing 有权
    电子邮件分析与处理

    公开(公告)号：US20110320541A1

    公开(公告)日：2011-12-29

    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

    IPC分类号： G06F15/16

    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。

    COMMUNITY REWARDS
    75.
    发明申请
    COMMUNITY REWARDS 审中-公开
    社区奖励

    公开(公告)号：US20110246279A1

    公开(公告)日：2011-10-06

    申请号：US12752005

    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 ,  G06Q99/00 ,  G06Q40/00

    CPC分类号： G06Q30/0224 ,  G06Q30/02 ,  G06Q30/0226

    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 by a particular geographic area. In other embodiments, the predefined community is created by the consumers themselves.

    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，预定义的社区由特定地理区域定义。 在其他实施例中，预定义的社区由消费者自己创建。

    CUSTOMER AND PURCHASE IDENTIFICATION BASED UPON A SCANNED BIOMETRIC OF A CUSTOMER
    76.
    发明申请
    CUSTOMER AND PURCHASE IDENTIFICATION BASED UPON A SCANNED BIOMETRIC OF A CUSTOMER 审中-公开
    基于客户的扫描生物量的客户和采购鉴定

    公开(公告)号：US20110213709A1

    公开(公告)日：2011-09-01

    申请号：US13105989

    申请日：2011-05-12

    申请人： Kurt D. Newman ,  Christopher R. Griggs ,  Joseph A. Giordano ,  Debashis Ghosh ,  David Joa ,  Timothy J. Bendel ,  Michael James O'Hagan

    发明人： Kurt D. Newman ,  Christopher R. Griggs ,  Joseph A. Giordano ,  Debashis Ghosh ,  David Joa ,  Timothy J. Bendel ,  Michael James O'Hagan

    IPC分类号： G06Q40/00

    CPC分类号： G06K9/00604 ,  G06F21/32 ,  G06Q10/06 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/40145 ,  G07C9/00087 ,  G07F7/1008

    摘要： Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer desires to make a purchase with an associated payment amount from an entity. A determination may be made as to whether the identified customer has a default purchase at the entity. Information of an account of the customer to make a purchase may be received and funds in the account may be debited by the associated payment amount. An item corresponding with the purchase based upon the scanned iris may be determined.

    摘要翻译： 描述用于生物地识别个体以购买产品和/或服务而不需要个人将认证数据输入到系统/设备中的系统和方法。 可以进行代表想要进行购买的客户的扫描虹膜的数据。 可以根据扫描的虹膜识别客户。 可以确定所识别的客户是否希望从实体获得具有相关联的支付金额的购买。 可以确定所识别的客户是否在该实体处具有默认购买。 可以收到客户进行购买的帐户的信息，并且可以通过相关的支付金额来扣除帐户中的资金。 可以确定与基于扫描的虹膜的购买相对应的物品。

    Financial transaction data profile
    78.
    发明授权
    Financial transaction data profile 有权
    财务交易数据资料

    公开(公告)号：US08862512B2

    公开(公告)日：2014-10-14

    申请号：US12712862

    申请日：2010-02-25

    申请人： David Joa ,  Kerry Cantley ,  Kurt D. Newman ,  Debashis Ghosh

    发明人： David Joa ,  Kerry Cantley ,  Kurt D. Newman ,  Debashis Ghosh

    IPC分类号： G06Q40/00 ,  G06Q30/02 ,  G06Q40/02

    CPC分类号： G06Q40/02 ,  G06Q30/0258 ,  G06Q40/00 ,  G06Q40/12

    摘要： Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile.

    摘要翻译： 本发明的实施例包括开发金融交易数据简档的方法。 金融工具作为图像收到，金融工具包括交易数据。 交易数据从金融工具提取并上传到计算机。 组织事务数据，使事务数据分组。 存储类别以在金融交易简档中呈现给用户。

    Business customer community hub
    79.
    发明授权
    Business customer community hub 有权
    商业客户社区中心

    公开(公告)号：US08688578B2

    公开(公告)日：2014-04-01

    申请号：US12713632

    申请日：2010-02-26

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

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

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/10 ,  G06Q20/108 ,  G06Q50/01

    摘要： The business community hub application provides a business customer the ability to add an event or offer to the community hub that can be accessed by individual customers or business customers. The business community hub application also notifies business customers of offers provided by other businesses or about local community events in which the business customer may be interested. The business customers have the ability to find contacts and network with other local businesses. The business community hub application also uses transaction information available to the bank to display market data and trends that may be of interest to the business customer. In this way, the business community hub works with the online banking application as a tool for local businesses, it allows business customers to interact with individual customers, the community in general, as well as other businesses, in a forum for exchanging products, services, and information.

    摘要翻译： 商业社区中心应用程序为企业客户提供向个人客户或商业客户可访问的社区中心添加活动或优惠的能力。 商业社区中心应用程序还向业务客户通报其他业务提供的优惠或商业客户可能感兴趣的本地社区活动。 企业客户有能力与其他本地企业寻找联系人和网络。 商业社区中心应用程序还使用银行可用的交易信息来显示业务客户可能感兴趣的市场数据和趋势。 以这种方式，商业社区中心与网上银行应用程序一起作为本地业务的工具，它允许商业客户与个人客户，一般社区以及其他企业在交换产品，服务的论坛中进行互动 和信息。

    On Demand Information Network
    80.
    发明申请
    On Demand Information Network 审中-公开
    按需信息网络

    公开(公告)号：US20120254053A1

    公开(公告)日：2012-10-04

    申请号：US13076037

    申请日：2011-03-30

    申请人： David Joa ,  Thomas Wade Mann ,  Robert Mark Jensen ,  Kent E. Wenger ,  Debashis Ghosh

    发明人： David Joa ,  Thomas Wade Mann ,  Robert Mark Jensen ,  Kent E. Wenger ,  Debashis Ghosh

    IPC分类号： G06Q99/00 ,  G06F17/30

    CPC分类号： G06F16/215

    摘要： A computer system provides a unified view of data for different organizations of a business. The accessed data may be distributed over different data sources that may include a data warehouse, operational databases (e.g., systems of records supporting different functions), production servers, and external data sources. Access to one or more of the data sources may be restricted based on a user profile. Data may also be accessed by directly tapping into the systems of record of a business to potentially reduce the duplication of data and provide the data in a timelier basis. Data may be obtained from the systems of record by pinging selected systems using an application programming interface and may be stored in a computing cloud that is not constrained to a particular physical asset of the business. In addition, the accessed data may be analyzed and presented differently based on the different lines of business.

    摘要翻译： 计算机系统为企业的不同组织提供统一的数据视图。 访问的数据可以分布在可以包括数据仓库，操作数据库（例如，支持不同功能的记录系统），生产服务器和外部数据源的不同数据源上。 可以基于用户简档来限制对一个或多个数据源的访问。 也可以通过直接利用业务记录系统来访问数据，从而潜在地减少数据的重复并提供更及时的数据。 数据可以通过使用应用程序编程接口对选定系统进行ping操作从记录系统中获得，并且可以存储在不限于业务的特定实体资产的计算云中。 此外，可以基于不同的业务线分析和呈现所访问的数据。