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公开(公告)号：US08708227B1
公开(公告)日：2014-04-29
申请号：US11590974
申请日：2006-10-31
申请人： Charles Lee Oakes, III , Randy Ray Morlen , Michael Frank Morris , Reynaldo Medina, III , Greg Alan Harpel , Gabriel Glenn Gavia , R. Bharat Prasad Nuggehalli , Frank Kyle Major , Jeffrey Neal Pollack
发明人： Charles Lee Oakes, III , Randy Ray Morlen , Michael Frank Morris , Reynaldo Medina, III , Greg Alan Harpel , Gabriel Glenn Gavia , R. Bharat Prasad Nuggehalli , Frank Kyle Major , Jeffrey Neal Pollack
CPC分类号： G06K9/00442 , G06K7/10861 , G06K9/36 , G06Q20/04 , G06Q20/042 , G06Q20/108 , H04N1/00204 , H04N1/00244 , H04N1/00307 , H04N1/00816 , H04N1/387 , H04N1/403 , H04N2101/00 , H04N2201/001
摘要： Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
摘要翻译： 金融机构可以方便地支票的远期存款。 可以利用客户的通用计算机和图像捕获设备来捕获检查的图像并将图像传送到金融机构电子设备。 必要时可以收集交易的其他数据。 可以使用所获得的图像和数据来自动完成交易。
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公开(公告)号：US08959033B1
公开(公告)日：2015-02-17
申请号：US11686924
申请日：2007-03-15
申请人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Nuggehalli , Carol Ann Walls , Gabriel Glenn Gavia , Reynaldo Medina, III
发明人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Nuggehalli , Carol Ann Walls , Gabriel Glenn Gavia , Reynaldo Medina, III
CPC分类号： G06K9/00993 , G06K9/00161 , G06K9/00288 , G06Q40/02
摘要： Verification of remotely deposited checks may be conducted in a system or for electronically receiving check images from customers and automatically initiating a deposit of funds associated with such check. Verification may comprise analyzing an image to detecting a presence of signatures, e.g. a payor signature and an endorsement, on a received check image so as to validate a check. Verification may further comprise conducting “face recognition” of a received check image to verify it's authenticity and/or detecting MICR line indications that a check is no longer valid.
摘要翻译： 可以在系统中进行远程存放检查的验证，或者用于电子地接收来自客户的检查图像，并自动启动与此类检查相关的资金存款。 验证可以包括分析图像以检测签名的存在，例如， 在收到的支票图像上支付付款人签名和背书，以验证支票。 验证可以进一步包括对所接收的检查图像进行“面部识别”以验证其真实性和/或检测MICR线指示检查不再有效。
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公开(公告)号：US07970677B1
公开(公告)日：2011-06-28
申请号：US12257477
申请日：2008-10-24
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q40/00 , G06Q40/025
摘要： An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user's bank account. A user may launch an instant messaging application and establish a communications session with a predetermined account at the financial institution to communicate the image. The image may be stored in a file or created by a capture device under control of the instant messaging application. The image file may be processed and verified by the financial institution, where it may be deposited in an account associated with the user.
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公开(公告)号：US09497795B1
公开(公告)日：2016-11-15
申请号：US12060416
申请日：2008-04-01
申请人： Bradly Jay Billman , Charles Lee Oakes, III , Reynaldo Medina, III , Michael Patrick Bueche, Jr.
发明人： Bradly Jay Billman , Charles Lee Oakes, III , Reynaldo Medina, III , Michael Patrick Bueche, Jr.
CPC分类号： G06Q50/16 , G06F17/30864 , G06Q30/0261 , G06Q50/20 , H04L67/02 , H04L67/18 , H04L67/306 , H04L69/26 , H04W4/02 , H04W48/02 , H04W88/02
摘要： Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.
摘要翻译： 本文公开了一种方法，系统和计算机可读存储介质，其包括用于通知用户邻近用户近似当前位置的可用物品的指令。 在一个实施例中，基于用户的近似当前位置来定义触发位置区域。 触发位置区域包括与另一人的简档相关联的第二位置，其与用户的简档相关联。 如果可用的不动产在定义的触发位置区域内，则自动向用户提供警报。 在另一个实施例中，如果触发位置区域内的可用物体符合用户的优选标准，则可以自动向用户提供关于可用物品的信息。
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公开(公告)号：US08712806B1
公开(公告)日：2014-04-29
申请号：US13601390
申请日：2012-08-31
申请人： Reynaldo Medina, III , Charles Lee Oakes, III , Bradly Jay Billman , Michael Patrick Bueché, Jr.
发明人： Reynaldo Medina, III , Charles Lee Oakes, III , Bradly Jay Billman , Michael Patrick Bueché, Jr.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： Automobile accident claims initiation systems and methods are described. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.
摘要翻译： 描述汽车事故索赔启动系统和方法。 被保险的驾驶员可以通过操作移动设备来发起声明。 该系统通过移动设备向司机提供自动查询。 驱动程序使用移动设备提供对查询的响应。 驾驶员可以提供图像和音频数据，以及关于事故涉及的各方和车辆的个人信息和信息。 系统可以自动安排诸如租车或拖车等服务。 系统可以通过向移动设备发送信息来向驾驶员提供权利要求信息，例如索赔号码。
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公开(公告)号：US08058988B1
公开(公告)日：2011-11-15
申请号：US12234933
申请日：2008-09-22
IPC分类号： G08B1/08
CPC分类号： G08B21/24 , G08B21/0238 , G08B21/025 , G08B21/028
摘要： A system for object tracking may comprise at least one subsystem that couples an electronic signal emitting and receiving device to an object to be tracked, at least one subsystem that assigns an identifier to the object, at least one subsystem that registers the identifier of the object with a second object, and at least one subsystem that establishes electronic communication between the object to be tracked and the second object via the electronic signal emitting and receiving device. Also a system for object tracking may comprise at least one subsystem that detects at a first object an electronic signal from a second object, and at least one subsystem that emits an electronic alert beacon from the first object when said first object is determined to be out of range of the second object.
摘要翻译： 用于对象跟踪的系统可以包括将电子信号发射和接收设备耦合到要跟踪的对象的至少一个子系统，向对象分配标识符的至少一个子系统，至少一个注册对象的标识符的子系统 具有第二对象，以及至少一个子系统，其经由电子信号发射和接收装置建立待跟踪对象与第二对象之间的电子通信。 另外，用于对象跟踪的系统可以包括至少一个子系统，其在第一对象处检测来自第二对象的电子信号，以及至少一个子系统，当所述第一对象被确定为出来时，从所述第一对象发出电子警报信标 的第二个对象的范围。
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公开(公告)号：US10650388B1
公开(公告)日：2020-05-12
申请号：US11858510
申请日：2007-09-20
摘要： The present subject matter provided is a “real-time” (versus batch) process that utilizes a financial or insurance institution's customer's personal computer to gather “up-to-the-minute” competitor product premium pricing information that can be used by the customer and the customer's financial or insurance institution for competitive product premium pricing comparison. One way to provide pricing information is to use an aggregation vendor to transmit and receive online pricing information from competitors. Another way to provide pricing information is to use the customer's computer to transmit data and to request a price quote. An applet or other type of software may be loaded onto a computer being used by the customer to facilitate the transmission and reception of pricing information. A central repository may be used to collect and store pricing information to provide online quotes as well as monitor for pricing changes of competitors.
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公开(公告)号：US09477978B1
公开(公告)日：2016-10-25
申请号：US12062593
申请日：2008-04-04
CPC分类号： G06Q30/0613 , G06F17/30253 , G06Q30/0623
摘要： A system for advising a user on the condition of a vehicle is described. Data can be collected from a vehicle in the form of images or reflected energy from a section or part of the vehicle, and the data can be analyzed to determine if repairs, damage, or other problems are present. The collected data may also be images of identifying panels or insignia on the car. A report with results of the analysis can be provided to the user. The results of the analysis may describe detected damage or repairs, provide vehicle history or identifying information, or report detection of repainting.
摘要翻译： 描述了关于车辆状况下的用户建议的系统。 数据可以从车辆的形式或来自车辆的一部分或部分的反射能量的车辆中收集，并且可以分析数据以确定是否存在维修，损坏或其他问题。 收集的数据也可以是识别车上的面板或徽章的图像。 可以向用户提供具有分析结果的报告。 分析结果可能会描述检测到的损坏或修理，提供车辆历史或识别信息，或报告重新检测的检测。
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公开(公告)号：US08159342B1
公开(公告)日：2012-04-17
申请号：US12234943
申请日：2008-09-22
IPC分类号： G08B1/08
CPC分类号： G07C9/00111
摘要： A system for object tracking may comprise at least one subsystem that couples an electronic signal emitting and receiving device to an object to be tracked, at least one subsystem that assigns an identifier to the object, at least one subsystem that registers the identifier of the object with a second object, and at least one subsystem that establishes electronic communication between the object to be tracked and the second object via the electronic signal emitting and receiving device. Also a system for object tracking may comprise at least one subsystem that detects at a first object an electronic signal from a second object, and at least one subsystem that emits an electronic alert beacon from the first object when said first object is determined to be out of range of the second object.
摘要翻译： 用于对象跟踪的系统可以包括将电子信号发射和接收设备耦合到要跟踪的对象的至少一个子系统，向对象分配标识符的至少一个子系统，至少一个注册对象的标识符的子系统 具有第二对象，以及至少一个子系统，其经由电子信号发射和接收装置建立待跟踪对象与第二对象之间的电子通信。 另外，用于对象跟踪的系统可以包括至少一个子系统，其在第一对象处检测来自第二对象的电子信号，以及至少一个子系统，当所述第一对象被确定为出来时，从所述第一对象发出电子警报信标 的第二个对象的范围。
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公开(公告)号：US08145661B1
公开(公告)日：2012-03-27
申请号：US12059474
申请日：2008-03-31
申请人： Bradly Jay Billman , Charles Lee Oakes, III , Reynaldo Medina, III , Michael Patrick Beuche, Jr.
发明人： Bradly Jay Billman , Charles Lee Oakes, III , Reynaldo Medina, III , Michael Patrick Beuche, Jr.
IPC分类号： G06F7/00
CPC分类号： G06Q50/16 , G06F17/30241 , G06F17/30867 , G06Q10/00 , G06Q50/01 , H04L67/306
摘要： Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to an other person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.
摘要翻译： 本文公开了一种具有用于向用户推荐位置的指令的方法，系统和计算机可读存储介质。 优选标准可以由用户例如或第三方选择，并且提供用户正在寻找的客观或主观信息。 实施例可以包括用位置编译客观信息并将客观信息与优选标准进行比较。 可以将用户的简档与另一个人的简档进行比较，其中另一个人的简档与该位置相关联。 如果客观信息与优选标准相关并且其他人的简档与用户的简档相关联，则可以向用户推荐位置。 与该位置相关联的主观信息可以与推荐位置一起提供给用户。 此外，如果主观信息与优选标准相关，则可以向用户推荐位置。
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