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137 条记录 (耗时 0.062 秒)

    On Demand Information Network
    1.
    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。

    Automated teller machine (“ATM”) dynamic keypad
    2.
    发明授权
    Automated teller machine (“ATM”) dynamic keypad 有权
    自动取款机（“ATM”）动态键盘

    公开(公告)号：US09196111B1

    公开(公告)日：2015-11-24

    申请号：US12983929

    申请日：2011-01-04

    申请人： Kurt D. Newman ,  Timothy J. Bendel ,  Rustam N. Wadia ,  Debashis Ghosh ,  David Joa

    发明人： Kurt D. Newman ,  Timothy J. Bendel ,  Rustam N. Wadia ,  Debashis Ghosh ,  David Joa

    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。

    USING USER EXPRESSIONS OF INTEREST TO DEEPEN USER RELATIONSHIP
    5.
    发明申请
    USING USER EXPRESSIONS OF INTEREST TO DEEPEN USER RELATIONSHIP 审中-公开
    利用用户表达深度用户关系

    公开(公告)号：US20130179254A1

    公开(公告)日：2013-07-11

    申请号：US13346679

    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 collecting one or more expressions of interest from a user, where the one or more expressions of interest indicating potential interest in one or more financial products or financial services. Then, using a processing device, an interest index is calculated based at least in part on the collected one or more expressions of interest from the user. The interest index is configured to quantify a level of interest expressed by the user for one or more financial products or financial services. Next, based at least in part on the interest index, a level of engagement for deepening a relationship with the user is determined. Finally, one or more offline marketing efforts for deepening the relationship with the user are initiated based on the determined level of engagement.

    摘要翻译： 本发明的实施例旨在从用户收集一个或多个感兴趣的表达，其中一个或多个兴趣表达表示一个或多个金融产品或金融服务中的潜在兴趣。 然后，使用处理装置，至少部分地基于所收集的一个或多个来自用户的感兴趣的表达式计算兴趣索引。 利息指数被配置为量化用户对一个或多个金融产品或金融服务表达的兴趣水平。 接下来，至少部分地基于兴趣指数，确定用于加深与用户的关系的参与度。 最后，基于确定的参与级别来启动用于深化与用户的关系的一个或多个离线营销努力。

    Economic intelligence
    6.
    发明授权
    Economic intelligence 有权
    经济情报

    公开(公告)号：US08306894B2

    公开(公告)日：2012-11-06

    申请号：US12430510

    申请日：2009-04-27

    申请人： Kurt Newman ,  Debashis Ghosh ,  David Joa ,  Tim Bendel ,  Mark Krein ,  Aaron Lai

    发明人： Kurt Newman ,  Debashis Ghosh ,  David Joa ,  Tim Bendel ,  Mark Krein ,  Aaron Lai

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/06 ,  G06Q40/00

    摘要： Aspects of the invention provide for the use of transactional data in the calculation of sub-scores that may be used in an index score. The sub-scores may include an account sub-score, an investment sub-score, and/or a discretionary sub-score. One or more sub-scores that represent an individual, an entity, or an economic sector may be used to create an index. Further aspects relate to calculating novel indices that more accurately represent and/or predict economic conditions.

    摘要翻译： 本发明的方面提供了在计算可用于指数得分的分数的事务数据的使用。 子分数可以包括帐户子分数，投资子分数和/或酌情子分数。 代表个人，实体或经济部门的一个或多个子分数可用于创建索引。 其他方面涉及计算更精确地表示和/或预测经济状况的新指标。

    Analyzing News Content Information
    7.
    发明申请
    Analyzing News Content Information 有权
    分析新闻内容信息

    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。

    MOBILE COMMERCE SYSTEM
    8.
    发明申请
    MOBILE COMMERCE SYSTEM 审中-公开
    移动商务系统

    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

    IPC分类号： G06Q30/00 ,  G01S19/51

    CPC分类号： G06Q40/02 ,  G06Q30/02

    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。

    Systems and Methods for Generating Results Based Upon User Input and Preferences
    9.
    发明申请
    Systems and Methods for Generating Results Based Upon User Input and Preferences 审中-公开
    基于用户输入和偏好生成结果的系统和方法

    公开(公告)号：US20110099191A1

    公开(公告)日：2011-04-28

    申请号：US12607383

    申请日：2009-10-28

    申请人： Debashis Ghosh ,  Kurt Newman ,  David Joa ,  Sudipta Chaki

    发明人： Debashis Ghosh ,  Kurt Newman ,  David Joa ,  Sudipta Chaki

    IPC分类号： G06F17/30

    CPC分类号： G06Q10/00

    摘要： A method and system for generating search results, comprising submitting a first search query for searching a first level database that yields high level aggregated classifications, and obtaining high level aggregated classifications based upon the first search query. The submission of a second search query based upon the high legal aggregated classifications of the first search query, and obtaining focused results based upon the second search query.

    摘要翻译： 一种用于生成搜索结果的方法和系统，包括提交用于搜索产生高级聚合分类的第一级数据库的第一搜索查询，以及基于第一搜索查询获得高级聚合分类。 基于第一搜索查询的高合法聚合分类提交第二搜索查询，以及基于第二搜索查询获得关注的结果。