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公开(公告)号：US08732219B1
公开(公告)日：2014-05-20
申请号：US13215022
申请日：2011-08-22
IPC分类号： G06F17/30
CPC分类号： G06F17/30241 , G06F17/30061 , G06F17/30244 , G06F17/30247 , G06F17/30256 , G06F17/30271 , G06F17/3053 , G06Q50/01
摘要： A method of determining a geographic area having similar characteristics to a first geographic area associated with a user includes receiving a plurality of inputs related to characteristics of a plurality of geographic areas and constructing a feature vector for each of the geographic areas based on the plurality of inputs. The method also includes receiving a plurality of inputs related to characteristics of the first geographic area and constructing a feature vector for the first geographic area associated with the user. The method further includes receiving an input from the user related to a city of interest, comparing the feature vector for the first geographic area to feature vectors associated with geographic areas located in or adjacent to the city of interest, and ranking the geographic areas located in or adjacent to the city of interest using the comparing step.
摘要翻译： 确定具有与与用户相关联的第一地理区域具有相似特征的地理区域的方法包括接收与多个地理区域的特征相关的多个输入，并且基于多个地理区域为每个地理区域构建特征向量 输入。 该方法还包括接收与第一地理区域的特征相关的多个输入并且构建与用户相关联的第一地理区域的特征向量。 该方法还包括从用户接收与感兴趣的城市相关的输入，将第一地理区域的特征向量与与感兴趣的城市相邻或相邻的地理区域相关联的特征向量进行比较，以及将位于 或使用比较步骤与感兴趣的城市相邻。
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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：US08438151B1
公开(公告)日：2013-05-07
申请号：US12059584
申请日：2008-03-31
IPC分类号： G06F7/00
摘要： Methods, systems and computer readable instructions to provide unbiased real property information to an end-user based on the location of the end-user when the end-user initiates a request for the real property information. The real property information is unbiased because the provider of the real property information searches for information that may adversely affect a potential transaction and provides the information found in the search regardless of the potential effect on a transaction.
摘要翻译： 方法，系统和计算机可读指令，用于当最终用户发起对不动产信息的请求时，基于最终用户的位置向终端用户提供无偏差的不动产信息。 不动产信息是不偏不倚的，因为不动产信息的提供者搜索可能对潜在交易产生不利影响的信息，并提供在搜索中找到的信息，而不管交易的潜在影响。
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公开(公告)号：US07620604B1
公开(公告)日：2009-11-17
申请号：US12202515
申请日：2008-09-02
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06Q40/02 , G07F7/04
摘要： A user or a device may separate a check into two or more portions prior to generating a digital image of the check for remote deposit of the check. The user or a device may separate the check by cutting or tearing the check. After separating the check into the portions, the user may generate a digital image of the portions of the check using a scanner for example. The digital image may be transmitted to an institution for deposit of the check. The institution may retrieve the images of the portions of the check and generate an image of the check based on the portions, by combining the images of the portions for example. The image of the check that may be generated based on the images of the portions may be processed for deposit.
摘要翻译： 用户或设备可以在生成支票的数字图像之前将支票分离成两个或多个部分，用于支票的远程存入。 用户或设备可以通过切割或撕裂支票来分开支票。 在将检查分离成部分之后，用户可以使用例如扫描器生成检查部分的数字图像。 数字图像可以传送到机构以存入支票。 机构可以通过组合这些部分的图像，基于部分来检索检查部分的图像并生成检查的图像。 可以根据部分的图像生成的支票的图像被处理以进行存款。
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公开(公告)号：US08527376B1
公开(公告)日：2013-09-03
申请号：US12180646
申请日：2008-07-28
CPC分类号： G06Q40/123 , G06Q40/10
摘要： Information provided with a direct deposit, a deposited check, or other negotiable instrument may be used to determine state, city, county, and/or other local income tax liability. Based on information associated with the deposit, the financial institution may determine where a user performed the work that triggered the income payment, where the income payment took place, what type of work is associated with the income payment, etc. This information may be used by the financial institution to provide income itemization and income tax liability information to the user via a user computing device.
摘要翻译： 提供直接存款，存款支票或其他可转让票据的信息可用于确定州，市，县和/或其他地方所得税负债。 根据与存款相关的信息，金融机构可以确定用户执行触发收入付款的工作，收入支付发生的时间，与收入支付相关的工作类型等。该信息可以被使用 由金融机构通过用户计算装置向用户提供收入分项和所得税负债信息。
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公开(公告)号：US08019629B1
公开(公告)日：2011-09-13
申请号：US12098667
申请日：2008-04-07
申请人： Reynaldo Medina, III , Charles L. Oakes, III , Bradly Jay Billman , Michael Patrick Bueche, Jr.
发明人： Reynaldo Medina, III , Charles L. Oakes, III , Bradly Jay Billman , Michael Patrick Bueche, 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：US08977571B1
公开(公告)日：2015-03-10
申请号：US12545127
申请日：2009-08-21
申请人： Michael Patrick Bueche, Jr. , Bharat Prasad , Minya Liang , Reynaldo Medina , Charles Lee Oakes, III
发明人： Michael Patrick Bueche, Jr. , Bharat Prasad , Minya Liang , Reynaldo Medina , Charles Lee Oakes, III
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06K9/186 , G06Q20/108 , G06Q20/3223 , G06Q40/02 , H04N7/183
摘要： An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.
摘要翻译： 在拍摄检查的图像之前，监视在相机视野中的支票的图像。 相机与移动设备相关联。 当视野中的支票的图像通过监视标准时，照相机可以拍摄图像并从移动设备提供给金融机构。 一旦确定检查图像通过监视标准，就可以自动执行图像捕获。 支票可能会根据图像存入用户的银行帐户。 可以使用将图像发送到金融机构的任何技术。 可以向相机的用户提供关于视野中的支票的图像的反馈。
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公开(公告)号：US08422758B1
公开(公告)日：2013-04-16
申请号：US12202781
申请日：2008-09-02
CPC分类号： G06K9/00 , G06K9/36 , G06Q20/042
摘要： A user or a device may separate a check into two or more portions prior to generating a digital image of the check for remote deposit of the check. The user or a device may separate the check by cutting or tearing the check. After separating the check into the portions, the user may generate a digital image of the portions of the check using a scanner for example. The digital image may be transmitted to an institution for deposit of the check. The institution may retrieve the images of the portions of the check and generate an image of the check based on the portions, by combining the images of the portions for example. The image of the check that may be generated based on the images of the portions may be processed for deposit.
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公开(公告)号：US09020837B1
公开(公告)日：2015-04-28
申请号：US12062694
申请日：2008-04-04
CPC分类号： G06Q30/0271
摘要： A mobile automobile information system and methods are described. Data such as images may be captured from a vehicle dealer sticker with a mobile device and analyzed. The sticker may contain machine-readable information such as a barcode. The collected data may be analyzed to determine vehicle and vehicle related information. Dealer information and vehicle purchase related information may also be generated. The results of the analysis may be provided to the user's mobile device. Purchase assistance may be provided to the user through the mobile device, answering user inquiries and providing vehicle purchase information to the user during the purchase process.
摘要翻译： 描述移动汽车信息系统和方法。 可以从具有移动设备的车辆经销商贴纸捕获诸如图像的数据并进行分析。 贴纸可能包含机器可读信息，如条形码。 可以分析收集的数据以确定车辆和车辆相关信息。 也可以生成经销商信息和车辆采购相关信息。 分析结果可以提供给用户的移动设备。 可以通过移动设备向用户提供购买帮助，在购买过程期间回答用户的查询并向用户提供车辆购买信息。
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公开(公告)号：US08571895B1
公开(公告)日：2013-10-29
申请号：US12099447
申请日：2008-04-08
IPC分类号： G06Q40/00
摘要： The described embodiments contemplate a system, method and computer-readable medium with computer-executable instructions for recording information relating to an accident. In one exemplary and non-limiting embodiment, once an accident is detected, a storage file is created, and information relating to the accident is stored in the storage file. In another exemplary and non-limiting embodiment, an insurance company may process a claim by receiving a notification that an accident has occurred, transmitting a request to record information relating to the accident, receiving the information, establishing an accident record, and processing an insurance claim. In another exemplary and non-limiting embodiment, an accident is detected, primary accident information is transmitted from a first recording device, a communication link is established between the first recording device and a second recording device, and a request is transmitted to the second recording device to transmit secondary accident information.
摘要翻译： 所描述的实施例考虑具有用于记录与事故有关的信息的计算机可执行指令的系统，方法和计算机可读介质。 在一个示例性和非限制性实施例中，一旦检测到事故，就创建存储文件，并且将与事故相关的信息存储在存储文件中。 在另一个示例性和非限制性的实施例中，保险公司可以通过接收发生事故的通知来处理索赔，传送关于事故相关信息的请求，接收信息，建立事故记录和处理保险 要求。 在另一示例性和非限制性实施例中，检测到事故，从第一记录装置发送主要事故信息，在第一记录装置和第二记录装置之间建立通信链路，并且将请求发送到第二记录 设备传输二次事故信息。
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