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71.发明申请ASSESSING ENVIRONMENTAL CHARACTERISTICS IN A VIDEO STREAM CAPTURED BY A MOBILE DEVICE 审中-公开评估移动设备捕获的视频流中的环境特性公开(公告)号：US20120233033A1
公开(公告)日：2012-09-13
申请号：US13342064
申请日：2012-01-01
CPC分类号： G06Q20/3278 , G06Q20/3227 , G06Q20/363 , H04N7/183
摘要： A system for processing a video stream is disclosed. The system includes a processing device configured for analyzing the surrounding environment represented in the video stream for at least one marker that is indicative of an environmental characteristic. At least one marker is identified within the surrounding environment. Once identified, information associated with the environmental characteristic is presented to the user. In one embodiment, the information is presented via AR such that one or more virtual objects are superimposed over the video stream. The virtual objects may be interactive.
摘要翻译： 公开了一种用于处理视频流的系统。 该系统包括处理装置，该处理装置经配置以分析用于表示环境特性的至少一个标记的视频流中表示的周围环境。 在周围环境中至少标识一个标记。 一旦确定，与环境特征相关联的信息被呈现给用户。 在一个实施例中，通过AR呈现信息，使得一个或多个虚拟对象被叠加在视频流上。 虚拟对象可以是交互式的。
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72.发明申请PROVIDING SOCIAL IMPACT INFORMATION ASSOCIATED WITH IDENTIFIED PRODUCTS OR BUSINESSES 有权提供与认证产品或业务相关的社会影响信息公开(公告)号：US20120232954A1
公开(公告)日：2012-09-13
申请号：US13342055
申请日：2012-01-01
CPC分类号： G06Q30/0203 , G06F17/30864 , G06Q10/00 , G06Q30/02 , G06Q30/0201 , G06Q30/0625 , G06Q30/0631 , G06Q30/0643 , G06Q50/01 , H04L67/306 , H04N5/23206 , H04W4/02
摘要： Embodiments of the invention are directed to methods and apparatuses for capturing a real-time video stream using a mobile computing device, determining, using a computing device processor, which images from the real-time video stream are associated with goods and businesses consistent with a predetermined social impact, and presenting on a display of the real-time video stream, one or more indicators, each indicator being associated with an image determined to be consistent with a predetermined social impact.
摘要翻译： 本发明的实施例涉及用于使用移动计算设备捕获实时视频流的方法和装置，使用计算设备处理器确定来自实时视频流的哪些图像与与 预定的社会影响，以及在实时视频流的显示上呈现一个或多个指示符，每个指示符与被确定为与预定的社会影响一致的图像相关联。
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公开(公告)号：US20120231840A1
公开(公告)日：2012-09-13
申请号：US13342063
申请日：2012-01-01
IPC分类号： H04W88/02
CPC分类号： G06K9/00342
摘要： Systems, methods, and computer program products are provided for using real-time video analysis, such as AR or the like to assist the user of a mobile device with commerce activities. Through the use of real-time vision object recognition faces, physical features, objects, logos, artwork, products, locations and other features that can be recognized in the real-time video stream can be matched to data associated with such to assist the user with commerce activity. The commerce activity may include, but is not limited to: providing information regarding sports movements, analyzing movements associated with sports or exercises, providing information and recommendations regarding techniques and equipment, and supplying information about locations where equipment may be purchased. In specific embodiments, the data that is matched to the images in the real-time video stream is specific to financial institutions, such as customer financial behavior history, customer purchase power/transaction history and the like.
摘要翻译： 提供系统，方法和计算机程序产品用于使用诸如AR等的实时视频分析来帮助移动设备的用户进行商业活动。 通过使用实时视觉对象识别面部，可以在实时视频流中识别的身体特征，对象，标志，艺术作品，产品，位置和其他特征可以匹配与此相关联的数据，以帮助用户 与商业活动。 商业活动可以包括但不限于：提供关于运动运动的信息，分析与运动或练习相关的运动，提供关于技术和设备的信息和建议，以及提供关于可以购买设备的位置的信息。 在具体实施例中，与实时视频流中的图像相匹配的数据是特定于金融机构的，例如客户财务行为历史，客户购买力/交易历史等。
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74.发明申请公开(公告)号：US20120230538A1
公开(公告)日：2012-09-13
申请号：US13342056
申请日：2012-01-01
IPC分类号： G06K9/46
CPC分类号： G06K9/00671 , G06F17/30247 , G06Q30/02
摘要： Methods, apparatus systems and computer program products are described herein that provide for using video or still shot analysis, such as AR or the like, to assist the user of mobile devices with receiving information corresponding to an abstraction or representation of a subject. Some subjects are difficult to capture in a video or still shot. The method and devices described herein capture representations of difficult to capture or unavailable subjects and presents information related to the subject with the representation. In an embodiment, the representation is a screenshot and the information is provided related to the application that is represented by the screenshot. Various other types of representations including depictions, advertisements, portions of, and identifying marks can be identified by the system and method and information presented relating to the corresponding subjects. In some cases, the information is customized with financial information of the user.
摘要翻译： 本文描述了提供使用诸如AR等的视频或静态分析的方法，装置系统和计算机程序产品，以帮助移动装置的用户接收与对象的抽象或表示相对应的信息。 某些主题难以在视频中拍摄或拍摄。 本文描述的方法和装置捕获难以捕获或不可用的对象的表示，并呈现与该对象有关的信息。 在一个实施例中，表示是屏幕截图，并且提供与由屏幕截图表示的应用相关的信息。 可以通过与相应主题相关的系统和方法和信息来识别包括描述，广告，部分和识别标记在内的各种其他类型的表示。 在某些情况下，使用用户的财务信息定制信息。
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公开(公告)号：US20120229625A1
公开(公告)日：2012-09-13
申请号：US13342062
申请日：2012-01-01
CPC分类号： G06Q30/00
摘要： Systems, methods, and computer program products are provided for using real-time video analysis and AR or the like to assist the user of mobile devices with commerce activities. Through the use of real-time vision object recognition objects, logos, artwork, products, locations and other features that can be recognized in the real-time video stream can be matched to affinity program information regarding the object and/or the user. The affinity program information may be presenting to the user of the mobile device in conjunction with display of the associated object in a live video stream.
摘要翻译： 提供系统，方法和计算机程序产品，用于使用实时视频分析和AR等来帮助移动设备的用户进行商业活动。 通过使用实时视觉对象识别对象，标识，艺术作品，产品，位置以及可在实时视频流中识别的其他特征可以与关于对象和/或用户的亲和度程序信息相匹配。 亲和度程序信息可以结合在实况视频流中的关联对象的显示而呈现给移动设备的用户。
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公开(公告)号：US09047639B1
公开(公告)日：2015-06-02
申请号：US12879866
申请日：2010-09-10
申请人： John Harden Quintiliani , Brian Thomas Borders , Lomney Ann Bryan , Paul Ronald DeKoster , Doris Maria Garrett , Katherine Elizabeth Sutton , Tamara S. Kingston , John Franklin Tuders , Erik Stephen Ross
发明人： John Harden Quintiliani , Brian Thomas Borders , Lomney Ann Bryan , Paul Ronald DeKoster , Doris Maria Garrett , Katherine Elizabeth Sutton , Tamara S. Kingston , John Franklin Tuders , Erik Stephen Ross
CPC分类号： G06Q40/02 , G06Q40/025
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service participation acknowledgment mechanism at a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and a user of the transaction machine, and where the transaction information identifies an account; (b) determining, based at least partially on the transaction information, that the account will meet a pre-defined condition as a result of the transaction; (c) presenting, via a user interface associated with the transaction machine, information associated with a service to address the condition; (d) prompting, via the user interface, the user to consent to the service; (e) receiving, via the user interface, the user's consent to the service; and (f) presenting, via the user interface, a confirmation message to the user, where the confirmation message includes information that confirms the user's consent to the service.
摘要翻译： 一般来说，本发明的实施例涉及用于在交易机器处提供服务参与确认机制的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与事务相关联的交易信息，其中交易涉及交易机器和交易机器的用户，以及交易信息识别帐户的地方; （b）至少部分地基于交易信息来确定该账户将由于该交易而满足预定义的条件; （c）经由与所述交易机器相关联的用户界面呈现与服务相关联的信息以解决所述条件; （d）通过用户界面提示用户同意服务; （e）通过用户界面接收用户对该服务的同意; 以及（f）经由用户界面向用户呈现确认消息，其中确认消息包括确认用户同意服务的信息。
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公开(公告)号：US08838498B2
公开(公告)日：2014-09-16
申请号：US13103624
申请日：2011-05-09
申请人： Erik Stephen Ross
发明人： Erik Stephen Ross
摘要： A social networking platform for peer-to-peer underwriting is disclosed. A user's social network acquaintances may be contacted or otherwise polled to determine their agreeability with serving as an underwriter for the user's desired financial services in order to reduce (or eliminate) the financial risk of providing the financial services to the user by the financial services provider. With a plurality of acquaintances willing to underwrite, the financial risk may be substantially dispersed among numerous acquaintances while the user is granted their desired financial services (or a reduced rate for the financial services).
摘要翻译： 披露了一个用于对等承保的社交网络平台。 为了减少（或消除）金融服务提供商向用户提供金融服务的财务风险，用户的社交网络熟人可能被联系或以其他方式进行调查以确定他们的同意性，作为用户期望的金融服务的承销商 。 随着多名熟人愿意承保，金融风险可能会大量分散在众多熟人当中，而用户被授予其期望的金融服务（或降低金融服务的利率）。
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公开(公告)号：US08738450B2
公开(公告)日：2014-05-27
申请号：US12695833
申请日：2010-01-28
申请人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Erik Stephen Ross
发明人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Erik Stephen Ross
摘要： Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.
摘要翻译： 提供系统，方法和计算机程序产品，以便在销售点的交易期间通过以可听的格式向消费者提供交易信息来帮助消费者。 该系统包括位于销售点附近的消费者设备和支付终端。 消费者设备，消费者携带的移动设备或者也位于销售点附近的固定设备与支付终端通信，并且接收诸如产品标识或数量信息之类的交易信息。 然后，消费者设备基于使用一个或多个私人和/或公共收听设备的所传送的交易信息产生可听消费者的声音波。 这种可听的交易过程可以在交易期间自动执行，或者可以基于消费者偏好来实现。
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公开(公告)号：US08527414B2
公开(公告)日：2013-09-03
申请号：US13006641
申请日：2011-01-14
IPC分类号： G06Q40/00
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future account discrepancy assessments. For example, in some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future account discrepancy assessments, where the one or more payments are associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an account discrepancy as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an account discrepancy assessment associated with the account discrepancy; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient.
摘要翻译： 一般来说，本发明的实施例涉及用于预付，覆盖，避免，否定和/或以其他方式抵消未来账户差异评估的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收一个或多个付款以抵消一个或多个未来账户差异评估，其中所述一个或多个支付与账户相关联; （b）接收与交易相关的交易信息，交易涉及账户，以及在收到一个或多个付款之后发起交易的地点; （c）至少部分地基于交易信息确定该账户将因交易而导致帐户差异; （d）确定一个或多个付款足以抵销与该账户差异相关的账户差异评估; 和（e）至少部分地授权交易，确定一个或多个付款是否足够。
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公开(公告)号：US08417584B2
公开(公告)日：2013-04-09
申请号：US12846582
申请日：2010-07-29
申请人： Erik Stephen Ross
发明人： Erik Stephen Ross
IPC分类号： G06Q30/00
CPC分类号： G06Q40/00
摘要： A server behavior modification system assists a customer during a financial activity, such as a transaction, and includes a current financial activity assistance system having a data collection system for collecting current physiological activity data, such as current electrodermal activity data, and a data manipulation system for assessing the likelihood of vulnerability to a predetermined undesired financial behavior, as defined by customer input received by a customer settings definition system. The assessment is based at least in part on the data manipulation system comparing a combined historical behavior pattern with the collected current data. The combined historical behavior pattern comprises a correlation between historical physiological activity data and historical financial activity data. An alerting system instructs a customer behavior modification system to produce an alert based at least in part on an assessment of likely vulnerability to a predetermined undesired financial behavior.
摘要翻译： 服务器行为修改系统在诸如交易的金融活动期间帮助客户，并且包括具有用于收集当前生理活动数据（例如当前电皮肤活动数据）的数据收集系统的当前金融活动辅助系统，以及数据操纵系统 用于评估由客户设置定义系统接收的客户输入所定义的易受规定的不期望的财务行为的可能性。 该评估至少部分地基于数据操纵系统，将组合的历史行为模式与收集的当前数据进行比较。 组合的历史行为模式包括历史生理活动数据与历史财务活动数据之间的相关性。 警报系统指示客户行为修改系统至少部分地基于对预定的不期望的金融行为的可能的脆弱性的评估来产生警报。
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