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公开(公告)号：US10121142B2
公开(公告)日：2018-11-06
申请号：US14251291
申请日：2014-04-11
摘要： Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.
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公开(公告)号：US09754320B2
公开(公告)日：2017-09-05
申请号：US13652120
申请日：2012-10-15
发明人： Matthew A. Calman , Rajat Agrawal , Wanwen Han , Alicia C. Jones , Su Liu , Cameron Jungeun Park-Hur , Nir Rachmel , Lynn Streja , Elizabeth S. Votaw
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing a record of an interactive conference, such as a video conference. The systems, methods, and computer program products determine that an operative connection has been established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative are conducting a conference; identify a document referenced during the conference; capture at least a portion of the conference in a record; associate the document with the record; and store the record. Customers of financial institutions desire to have records of their interactions with representatives of the financial institution and the embodiments of this invention assist the customer in maintaining and organizing those records.
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3.发明授权Enabling device functionality based on indoor positioning system detection of physical customer presence 有权基于室内定位系统检测物理客户存在来启用设备功能公开(公告)号：US09471759B2
公开(公告)日：2016-10-18
申请号：US14327561
申请日：2014-07-10
发明人： Alicia C. Jones
CPC分类号： G06F21/30 , G01S5/02 , G06F21/629 , G06F2221/2111 , G06F2221/2141 , H04L67/18 , H04W4/04 , H04W4/043 , H04W12/08
摘要： A computing platform may receive a plurality of messages comprising data indicating physical presence of customers at a physical location from an indoor positioning system located at the physical location. Responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers at the physical location, the computing platform may determine that one or more customers of the customers at the physical location are authorized to utilize one or more functions of one or more computing devices physically located at the physical location.
摘要翻译： 计算平台可以从位于物理位置处的室内定位系统接收包括指示在物理位置处的客户的物理存在的数据的多个消息。 响应于接收包括指示物理位置处的客户的物理存在的数据的多个消息，计算平台可以确定物理位置处的客户的一个或多个客户被授权利用一个或多个 更多的计算设备物理上位于物理位置。
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公开(公告)号：US09424575B2
公开(公告)日：2016-08-23
申请号：US14251351
申请日：2014-04-11
IPC分类号： G06F7/04 , G06F15/16 , G06F17/30 , H04L29/06 , G06Q20/38 , G06Q20/02 , G06Q20/32 , G06Q20/36 , G06Q20/40 , H04W12/06
CPC分类号： G06Q20/3821 , G06Q20/02 , G06Q20/32 , G06Q20/363 , G06Q20/385 , G06Q20/4016 , H04L63/08 , H04W12/06
摘要： Embodiments are directed to communicating an operating system-level token for user identification and/or authentication. Embodiments store a token at an operating system-level, wherein the token is accessible by an operating system running on the apparatus, and wherein the token comprises user identification information and/or user authentication information; and in response to an initiating event, initiate communication of the token to a second apparatus external to the apparatus. Some embodiments include initiation of an operation system-level instruction set for periodically, continuously, or in response to detecting a request, initiating communication of the token.
摘要翻译： 实施例旨在传达用于用户标识和/或认证的操作系统级令牌。 实施例在操作系统级存储令牌，其中令牌可由在设备上运行的操作系统访问，并且其中令牌包括用户标识信息和/或用户认证信息; 并且响应于启动事件，启动令牌的通信到设备外部的第二设备。 一些实施例包括周期地，连续地或响应于检测到请求而发起令牌的通信的操作系统级指令集的启动。
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公开(公告)号：US20160155115A1
公开(公告)日：2016-06-02
申请号：US15016161
申请日：2016-02-04
发明人： Carrie Anne Hanson , David M. Grigg , Richard Andrew Starbuck , Alicia C. Jones , Audrey L. Longfellow
CPC分类号： G06Q20/3278 , G06K7/10297 , G06K19/0723 , G06K19/0727 , G06Q20/10 , G06Q20/3226 , G06Q20/346 , G06Q20/347 , G06Q20/3572 , G06Q20/405
摘要： The present invention is directed to apparatuses, methods, and computer-program products for a multipurpose wearable device that is associated with one or more financial accounts wherein, in use, the wearable device is configured to facilitate a financial transaction using at least one of the one or more financial accounts. The wearable device comprises: a wearable article, wherein the wearable article comprises one or more features securing the wearable article to a person or an item associated with the person; and a portion comprising a machine-readable indicia, wherein the machine-readable indicia, when successfully read, provides payment information for conducting a financial transaction.
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公开(公告)号：US09313190B2
公开(公告)日：2016-04-12
申请号：US14175136
申请日：2014-02-07
发明人： David M. Grigg , Hood Qaim-Maqami , Alicia C. Jones , Elizabeth S. Votaw , Joseph Neil Johansen , Charles Jason Burrell , Carrie Anne Hanson , Michael Patrick Lynch
CPC分类号： H04L63/08 , G06F21/31 , G06Q20/108 , G06Q20/3226 , G06Q20/382 , G06Q20/405 , G06Q40/02 , H04L63/10
摘要： Disclosed is a system and associated method or restricting access to a user's account via one or more account access channels. The system typically includes a processor, a memory, and an access restriction module stored in the memory. The module is typically configured for: integrating one or more account access channels associated with the user's account with an access restriction procedure; receiving a request from the user to implement the access restriction procedure; based on receiving the request from the user to implement the access restriction procedure, implementing the access restriction procedure, wherein implementing the access restriction procedure comprises restricting access to the user's account via the account access channel(s).
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7.发明授权Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device 有权基于交易车辆和移动设备的非共同位置远程撤销应用程序访问公开(公告)号：US09213974B2
公开(公告)日：2015-12-15
申请号：US14175786
申请日：2014-02-07
发明人： Elizabeth S. Votaw , Charles Jason Burrell , Carrie Anne Hanson , Alicia C. Jones , Michael Patrick Lynch , Hood Qaim-Maqami
CPC分类号： G06Q20/3224 , G01S5/0284 , G06Q20/322 , G06Q20/325 , G06Q20/351 , G06Q20/40 , G06Q20/409 , H04W4/021 , H04W4/025 , H04W4/12 , H04W4/50
摘要： Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located.
摘要翻译： 本发明的实施例涉及一种用于基于某些事件访问用户的远程定位的移动设备的发明。 系统，方法和计算机程序产品被配置为：（a）监视涉及用户的交易车辆的一个或多个交易; （b）至少部分地基于所述一个或多个交易确定交易车辆的物理位置; （c）确定所述用户的移动设备的地理位置，其中所述移动设备与所述交易车辆相关联; （d）确定用户的交易车辆和用户的移动设备是否位于同一地点; 并且（e）至少部分地基于确定所述移动设备和所述用户的交易车辆不是共同位置来重新配置所述移动设备可访问的一个或多个应用或所述移动设备的一个或多个功能特征。
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8.发明申请公开(公告)号：US20140104366A1
公开(公告)日：2014-04-17
申请号：US13651970
申请日：2012-10-15
发明人： Matthew A. Calman , Alicia C. Jones , Elizabeth S. Votaw , Rajat Agrawal , Wanwen Han , Su Liu , Nir Rachmel , Lynn Streja , Cameron Jungeun Park-Hur , James Robert Grimsley
IPC分类号： H04N7/14
CPC分类号： H04N7/141
摘要： Embodiments of the invention are directed to systems, methods and computer program products for split-screen functionality to be provided to a user device during a hold period prior to a customer-service video conference. Specifically, according to defined embodiments, the present invention provides for a first portion of split-screen includes a visual depiction of a queue of users currently awaiting a video conference with the customer-service associate. The queue allows for the user/customer to gauge how long the hold period will last. In addition to the visual depiction of the hold queue, the split screen may provide for other portions of the screen to include other information and/or functionality such as, such as information related or unrelated to the impending video conference.
摘要翻译： 本发明的实施例涉及用于在客户服务视频会议之前的保持期间提供给用户设备的分屏功能的系统，方法和计算机程序产品。 具体地，根据所定义的实施例，本发明提供了分屏的第一部分，其包括目前等待与顾客服务关联者的视频会议的用户队列的视觉描述。 队列允许用户/客户衡量持续时间将持续多长时间。 除了保持队列的可视描述之外，分屏可以提供屏幕的其他部分以包括诸如与即将进行的视频会议相关或不相关的信息的其他信息和/或功能。
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9.发明授权Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device 有权基于交易车辆和移动设备的非共同位置远程撤销应用程序访问公开(公告)号：US09589261B2
公开(公告)日：2017-03-07
申请号：US15047369
申请日：2016-02-18
发明人： Elizabeth S. Votaw , Charles Jason Burrell , Carrie Anne Hanson , Alicia C. Jones , Michael Patrick Lynch , Hood Qaim-Maqami
CPC分类号： G06Q20/3224 , G01S5/0284 , G06Q20/322 , G06Q20/325 , G06Q20/351 , G06Q20/40 , G06Q20/409 , H04W4/021 , H04W4/025 , H04W4/12 , H04W4/50
摘要： Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events is provided. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located.
摘要翻译： 本发明的实施例涉及一种用于基于某些事件访问用户的远程移动设备的发明。 系统，方法和计算机程序产品被配置为：（a）监视涉及用户的交易车辆的一个或多个交易; （b）至少部分地基于所述一个或多个交易确定交易车辆的物理位置; （c）确定所述用户的移动设备的地理位置，其中所述移动设备与所述交易车辆相关联; （d）确定用户的交易车辆和用户的移动设备是否位于同一地点; 并且（e）至少部分地基于确定所述移动设备和所述用户的交易车辆不是共同位置来重新配置所述移动设备可访问的一个或多个应用或所述移动设备的一个或多个功能特征。
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10.发明授权Customer recognition through use of an optical head-mounted display in a wearable computing device 有权通过在佩戴式计算设备中使用光学头戴式显示器进行客户识别公开(公告)号：US09588342B2
公开(公告)日：2017-03-07
申请号：US14251094
申请日：2014-04-11
CPC分类号： G02B27/017 , G02B2027/0138 , G02B2027/014 , G02B2027/0178 , G02B2027/0187 , G06K9/00288 , H04W4/21
摘要： Systems, apparatus, and computer program products are provided for implementing a wearable computing device having an Optical Head-Mounted Display (OHMD) to automatically determine which individuals within a business environment, such as a retail store, banking center or the like, are established customers. Such a determination of established customer status is conducted without requiring any action on behalf of the individuals/customers currently located within the business environment and can be accomplished when the established customer enters the business location or shortly thereafter. Once established customers are identified, customer indicators are provided within the view of the OHMD, so that a business associate/employee can readily identity which individual within their field of view are established customers.
摘要翻译： 提供了系统，装置和计算机程序产品，用于实现具有光头戴式显示器（OHMD）的可穿戴计算设备，以自动确定商业环境中的哪些个人，例如零售店，银行中心等 顾客。 对已建立的客户状态的这种确定是在不需要代表当前位于商业环境中的个人/客户的任何行动的情况下进行的，并且可以在所建立的客户进入营业地点或不久之后完成。 一旦建立了客户，就会在OHMD的角度提供客户指标，以便业务伙伴/员工可以很容易地识别其视野内的哪些人是建立客户的。
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