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137 条记录 (耗时 0.022 秒)

    Air stream velocity control for ventilation system
    1.
    发明授权
    Air stream velocity control for ventilation system 有权
    通风系统气流速度控制

    公开(公告)号：US09409461B2

    公开(公告)日：2016-08-09

    申请号：US13528968

    申请日：2012-06-21

    申请人： Mingyu Wang ,  Prasad S. Kadle ,  Debashis Ghosh

    发明人： Mingyu Wang ,  Prasad S. Kadle ,  Debashis Ghosh

    IPC分类号： B60H1/34 ,  B60H1/00

    CPC分类号： B60H1/00742 ,  B60H1/00828

    摘要： A system and a method of controlling a ventilation or HVAC system that is configured to provide an air stream having a comfortable contact velocity to an occupant seated in a vehicle cabin. The system includes a sensor to determine the distance from a discharge nozzle to the vehicle occupant and a controller to control the exit velocity and/or an effective diameter of the nozzle. The sensor may use ultrasonic, infrared, LIDAR, or RADAR technology to determine distance. The system may determine the distance from the nozzle to the occupant based on a seat location determined by a seat location sensor. The seat location sensor may be common to an inflatable restraint (air bag) system.

    摘要翻译： 一种控制通风或HVAC系统的系统和方法，其被配置为向坐在车厢内的乘员提供具有舒适接触速度的气流。 该系统包括用于确定从排放喷嘴到车辆乘员的距离的传感器和用于控制喷嘴的出口速度和/或有效直径的控制器。 传感器可以使用超声波，红外线，激光雷达或雷达技术来确定距离。 系统可以基于由座椅位置传感器确定的座位位置来确定从喷嘴到乘员的距离。 座椅位置传感器可以是充气限制器（气囊）系统所共有的。

    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。

    Leveraging passive networks
    4.
    发明授权
    Leveraging passive networks 有权
    利用被动网络

    公开(公告)号：US08572242B2

    公开(公告)日：2013-10-29

    申请号：US12984362

    申请日：2011-01-04

    申请人： Debashis Ghosh

    发明人： Debashis Ghosh

    IPC分类号： G06F15/173 ,  G06F15/177 ,  G06Q99/00

    CPC分类号： H04L12/6418 ,  G06Q50/01

    摘要： System and methods for leveraging passive networks are disclosed. In one embodiment, a method includes receiving, from a first data source, a first data descriptor, wherein the first data descriptor identifies an instance of contact between at least two persons. The method also includes determining a connection between the at least two persons, wherein the connection is based on an instance of contact between the at least two persons identified in the first data descriptor. The method further includes determining, with a processor, a first contact count for the connection, the first contact count based on a number of instances of contact between the at least two persons associated with the connection. The method also includes calculating, with the processor, a connection score for the connection, wherein the connection score is based at least in part on the first contact count.

    摘要翻译： 公开了利用无源网络的系统和方法。 在一个实施例中，一种方法包括从第一数据源接收第一数据描述符，其中第一数据描述符识别至少两个人之间的联系实例。 所述方法还包括确定所述至少两个人之间的连接，其中所述连接基于在所述第一数据描述符中识别的所述至少两个人之间的联系实例。 所述方法还包括：使用处理器，确定所述连接的第一联系人计数，所述第一联系人计数基于所述至少两个与所述连接相关联的人之间的接触的多个实例。 该方法还包括与处理器一起计算连接的连接得分，其中连接得分至少部分地基于第一接触计数。

    USING USER EXPRESSIONS OF INTEREST TO DEEPEN USER RELATIONSHIP
    6.
    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
    8.
    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。

    Equity protection
    9.
    发明授权
    Equity protection 有权
    股权保护

    公开(公告)号：US08190516B2

    公开(公告)日：2012-05-29

    申请号：US12987758

    申请日：2011-01-10

    申请人： Debashis Ghosh ,  Sudeshna Banerjee ,  William Michael Upchurch ,  Robert H. Eshleman ,  Christopher James Trainor ,  Frank B. Turner

    发明人： Debashis Ghosh ,  Sudeshna Banerjee ,  William Michael Upchurch ,  Robert H. Eshleman ,  Christopher James Trainor ,  Frank B. Turner

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/06

    摘要： Systems and methods are illustrated for providing an equity protection product to a borrower of a loan. Aspects of the equity protection product may be implemented using an equity protection agreement. The equity protection product may be used to safeguard a borrower's investment in the event of a housing market downturn. In some examples, once the equity protection is purchased, the borrower's equity can only increase or remain stable (i.e., flat) regardless of market conditions. The payoff amount of the borrower's loan may be reduced to compensate for a change in the market value of the borrower's home. The equity protection product may be provided by a lending institution, bank, or any other comparable entity/person. A trading desk may also be used to hedge against the risk created by the equity protection product. In addition, an appraiser may also be used to evaluate and provide current market values of the relevant property.

    摘要翻译： 说明了向贷款借款人提供股权保护产品的制度和方法。 股权保护产品的方面可以使用股权保护协议实施。 房地产市场低迷时，股权保护产品可用于维护借款人的投资。 在一些例子中，一旦购买了股权保护，借款人的权益只会增加或保持稳定（即持平），不论市场情况如何。 可以减少借款人贷款的支付金额，以补偿借款人家庭的市值变化。 股权保护产品可以由贷款机构，银行或任何其他类似实体/人员提供。 交易柜台也可用于对冲股权保护产品所产生的风险。 此外，估价师也可以用来评估和提供相关财产的当前市场价值。

    Analyzing News Content Information
    10.
    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。