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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：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：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：US20110246279A1
公开(公告)日：2011-10-06
申请号：US12752005
申请日：2010-03-31
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。
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公开(公告)号：US08688578B2
公开(公告)日：2014-04-01
申请号：US12713632
申请日：2010-02-26
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。
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公开(公告)号：US20110246272A1
公开(公告)日：2011-10-06
申请号：US12752001
申请日：2010-03-31
CPC分类号： G06Q30/0226 , G06Q30/0215 , G06Q30/0224
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 at least in part by a particular one or more merchants.
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，预定义社区至少部分地由特定的一个或多个商家定义。
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公开(公告)号：US09196111B1
公开(公告)日：2015-11-24
申请号：US12983929
申请日：2011-01-04
IPC分类号： G06F7/04 , G07F7/10 , G07F19/00 , G06F3/048 , G06F3/0488 , G06F3/0481 , G06Q20/10 , G06F21/31 , G06F21/36
CPC分类号： G06F3/04886 , G06F3/048 , G06F3/04817 , G06F3/0488 , G06F21/31 , G06F21/36 , G06F21/83 , G06Q20/10 , G06Q20/1085 , G07F7/10 , G07F7/1016 , G07F7/1041 , G07F19/20
摘要： Systems and methods according to the present invention provide a more secure Automated Teller Machine (ATM) transaction by preventing observation of banking customers' Personal Identification Number (PIN). Such systems and methods make it difficult to obtain a customer's PIN by tracking the hand movement of a customer using an ATM. Inputs presented for a customer selection are preferably dynamically displayed in different locations preferably each time the customer is asked to enter a PIN. Dynamically changing the sequence of the display and/or location of the presented inputs reduces the possibility of mapping the hand movement of the customer to the positions of the inputs displayed for a customer selection. Inputs may also be presented at a very narrow viewing angle, thereby making observation of a PIN difficult. Hence, banking customers are preferably provided with a more robust and secured ATM transaction system.
摘要翻译： 根据本发明的系统和方法通过防止观察银行客户的个人识别码（PIN）来提供更安全的自动柜员机（ATM）交易。 这样的系统和方法使得使用ATM跟踪客户的手部移动难以获得客户的PIN。 为客户选择呈现的输入优选地在每次客户被要求输入PIN时动态显示在不同的位置。 动态地改变所呈现的输入的显示和/或位置的顺序减少了将客户的手移动映射到为客户选择显示的输入的位置的可能性。 输入也可以以非常窄的视角呈现，从而难以观察PIN。 因此，银行客户优选地具有更强大和安全的ATM交易系统。
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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：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：US20110270618A1
公开(公告)日：2011-11-03
申请号：US12770947
申请日：2010-04-30
申请人： Sudeshna Banerjee , Thayer S. Allison, JR. , Debashis Ghosh , David Joa , Kurt D. Newman , Hemant Kagade , Yanghong Shao
发明人： Sudeshna Banerjee , Thayer S. Allison, JR. , Debashis Ghosh , David Joa , Kurt D. Newman , Hemant Kagade , Yanghong Shao
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing targeted product offers to a consumer's mobile device based on the consumer's current location, location history, transaction history, and purchase thresholds. Embodiments of the invention are also directed to systems, methods, and computer program products for obtaining feedback from the consumer in relation to an offer and providing a modified offer based on the feedback. In one embodiment, the feedback is a determination that a consumer is not interested in a merchant offer based on the consumer's substantially real-time location information and transaction information.
摘要翻译： 本发明的实施例涉及用于基于消费者的当前位置，位置历史，交易历史和购买阈值向消费者的移动设备提供目标产品提供的系统，方法和计算机程序产品。 本发明的实施例还涉及系统，方法和计算机程序产品，用于从报价中获得有关报价的反馈并根据反馈提供修改的报价。 在一个实施例中，反馈是消费者基于消费者基本上实时的位置信息和交易信息对商家报价不感兴趣的确定。
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