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    Alert System with Multiple Transaction Indicators
    1.
    发明申请
    Alert System with Multiple Transaction Indicators 审中-公开
    具有多个事务指标的警报系统

    公开(公告)号：US20140310160A1

    公开(公告)日：2014-10-16

    申请号：US14216843

    申请日：2014-03-17

    申请人： Pawan Kumar ,  Mark Allen Nelsen ,  Todd McGregor

    发明人： Pawan Kumar ,  Mark Allen Nelsen ,  Todd McGregor

    IPC分类号： G06Q20/40 ,  H04W4/14

    CPC分类号： G06Q20/4016 ,  G06Q20/42 ,  H04W4/14

    摘要： A user may receive an alert notification message on a mobile device for any high risk transaction along with a set of recent transactions conducted on an account associated with the user. The user may be able to respond back by either accepting or rejecting the transaction using an application on the mobile device. In one embodiment, for a rejected transaction, a plurality of options may be presented to the user's mobile device for the user to select a reason for rejecting a transaction. An issuer associated with the payment account used for the transaction may receive the user's response and accordingly take appropriate actions on the account.

    摘要翻译： 用户可以在移动设备上接收针对任何高风险交易的警报通知消息，以及在与用户相关联的帐户上进行的一组近期交易。 用户可能能够通过使用移动设备上的应用接受或拒绝交易来做出回应。 在一个实施例中，对于被拒绝的事务，可以向用户的移动设备呈现多个选项，供用户选择拒绝交易的原因。 与用于交易的支付帐户相关联的发行者可以接收用户的响应，并且相应地对帐户采取适当的动作。

    Risk management workstation
    2.
    发明申请
    Risk management workstation 审中-公开
    风险管理工作站

    公开(公告)号：US20100005029A1

    公开(公告)日：2010-01-07

    申请号：US12217419

    申请日：2008-07-03

    申请人： Mark Allen Nelsen ,  Nancy Therese Hilgers ,  Mitchell L. Wright ,  Pawan Kumar

    发明人： Mark Allen Nelsen ,  Nancy Therese Hilgers ,  Mitchell L. Wright ,  Pawan Kumar

    IPC分类号： H04L9/00

    CPC分类号： G06Q20/4016 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q20/405

    摘要： A system, method, and computer-readable storage medium configured to import fraud prevention rules from an issuer and implement them in real-time at a payment processor. Usually, a card issuing bank either approves or declines financial transaction; however, in embodiments of the present invention, the issuing bank creates fraud prevention rules, and the payment processor implements the created rules. A payment processor apparatus comprises a network interface, and a verification engine. The verification engine includes a transaction driver, and a real time decisioning processor. The network interface is configured to receive a fraud prevention rule from a payment card issuing bank, and to receive a proposed financial transaction from an acquiring bank. The transaction driver receives the fraud prevention rule. The real time decisioning processor compares the proposed financial transaction from the acquirer and the fraud prevention rule to determine whether the proposed financial transaction should be declined.

    摘要翻译： 一种系统，方法和计算机可读存储介质，被配置为从发行者导入欺诈防范规则并且在支付处理器上实时地实现它们。 通常，发卡银行批准或拒绝金融交易; 然而，在本发明的实施例中，开证行创建防欺诈规则，支付处理器实现创建的规则。 支付处理器装置包括网络接口和验证引擎。 验证引擎包括事务驱动器和实时决策处理器。 网络接口被配置为从支付卡发行银行接收防欺诈规则，并从收单银行接收建议的金融交易。 交易司机收到防欺诈规则。 实时决策处理器将收购方的拟议金融交易与防欺诈规则进行比较，以确定拟议的金融交易是否应被拒绝。

    System and method for providing end to end interactive mobile applications using SMS
    3.
    发明授权
    System and method for providing end to end interactive mobile applications using SMS 有权
    使用SMS提供端对端交互式移动应用的系统和方法

    公开(公告)号：US09198009B2

    公开(公告)日：2015-11-24

    申请号：US13580350

    申请日：2010-02-22

    申请人： Pawan Kumar ,  Madhu Sudan Kapoor

    发明人： Pawan Kumar ,  Madhu Sudan Kapoor

    IPC分类号： H04W4/00 ,  H04W4/14 ,  G06Q30/02 ,  H04L12/58

    CPC分类号： H04W4/14 ,  G06Q30/02 ,  H04L51/046 ,  H04L51/38 ,  H04W4/50

    摘要： System and method for providing end to end interactive mobile applications are described. The present invention provides a complete solution for implementing and distributing interactive mobile applications via short message service. The instant invention is a new process for developing, managing, transmitting and rendering mobile interactive applications through short messaging service. The mobile interactive application is developed using web based interactive development environment. Once the application is developed, the application is delivered to large number of mobile stations through SMS channel by an application provider. The received application on the mobile station is rendered and executed, and the user is able to interact with the application. Further, the user can also send the response to the application provider resulting in a two way communication.

    摘要翻译： 描述用于提供端到端交互式移动应用的系统和方法。 本发明提供了一种通过短消息服务实现和分发交互式移动应用的完整解决方案。 本发明是通过短消息服务开发，管理，传输和呈现移动交互应用的新过程。 移动互动应用程序是使用基于Web的交互式开发环境开发的。 一旦开发了应用程序，应用程序将通过SMS通道将应用程序传送给大量的移动站。 呈现并执行在移动台上接收到的应用程序，并且用户能够与应用程序进行交互。 此外，用户还可以将响应发送到应用提供商，导致双向通信。

    Proteases for Degrading Gluten
    4.
    发明申请
    Proteases for Degrading Gluten 审中-公开
    蛋白酶降解麸质

    公开(公告)号：US20130045195A1

    公开(公告)日：2013-02-21

    申请号：US13636980

    申请日：2011-03-30

    申请人： Pawan Kumar

    发明人： Pawan Kumar

    IPC分类号： A61K38/48 ,  A23L1/105 ,  A61P1/14 ,  C12N9/64 ,  C12N15/63

    CPC分类号： A61K38/48 ,  A61K38/4813 ,  A61K2300/00

    摘要： Gluten-degrading proteases derived from insects, including flour beetles, are isolated, and the purified, and recombinant forms can be used to make gluten-containing food safe for patients suffering from gluten intolerance.

    摘要翻译： 分离出来自昆虫（包括面粉甲虫）的麸质降解蛋白酶，纯化的和重组形式可用于使麸质食物对于面筋不耐受的患者安全。

    Energy saving thermostat with a variable deadband
    7.
    发明授权
    Energy saving thermostat with a variable deadband 失效
    具有可变死区的节能恒温器

    公开(公告)号：US06478084B1

    公开(公告)日：2002-11-12

    申请号：US09295380

    申请日：1999-04-21

    申请人： Pawan Kumar ,  Ravi Gorthala

    发明人： Pawan Kumar ,  Ravi Gorthala

    IPC分类号： F24F1100

    CPC分类号： G05D23/1909 ,  F24F11/30 ,  F24F2110/10

    摘要： An apparatus for, and a method of, reducing cycling of heating and cooling systems by varying the deadband of a thermostat. The deadband is varied such that it does not impact human comfort significantly. The deadband is kept narrow (at its current normal value) during peak heating/cooling period, while it is made wider during periods of non-occupancy, shoulder months with low heating/cooling requirements, and set-back periods. The variation of deadband can be based on an internal clock/calender, an outdoor temperature sensor or a combination of both. The apparatus may be an electronic thermostat which may be programmable.

    摘要翻译： 通过改变恒温器的死区，减少加热和冷却系统循环的装置和方法。 死区是变化的，使得它不会显着影响人的舒适。 在高峰期加热/冷却期间，死区保持狭窄（以当前的正常值），而在非占用期间，肩部月份，加热/冷却要求低，以及回退期间更宽。 死区的变化可以基于内部时钟/压光机，室外温度传感器或两者的组合。 该装置可以是可编程的电子恒温器。

    MULTIPURPOSE CALCULATION COMPUTING DEVICE
    8.
    发明申请
    MULTIPURPOSE CALCULATION COMPUTING DEVICE 审中-公开
    多用途计算计算设备

    公开(公告)号：US20140336993A1

    公开(公告)日：2014-11-13

    申请号：US13824994

    申请日：2011-09-15

    申请人： Laura Grigori ,  Frédéric Nataf ,  Pawan Kumar

    发明人： Laura Grigori ,  Frédéric Nataf ,  Pawan Kumar

    IPC分类号： G06F17/50 ,  G06F17/16

    CPC分类号： G06F17/5009 ,  G06F17/12 ,  G06F17/16

    摘要： A multipurpose computing device includes a solver receiving a working matrix and an initial matrix corresponding to a system of equations and residual data; and an adapter receiving the initial matrix as well as a filtering matrix and calculates a working matrix corresponding to an equation system solved by the solver. The working matrix checks a stability condition with the initial matrix, comprising a comparison of two matrix products including the filtering matrix or the transpose thereof, and the initial matrix and the working matrix, respectively. The adapter renumbers the initial matrix and the filtering matrix in order to produce a modified matrix and a modified filtering matrix using an ordering rule that is a function of a dependency condition, and recursively calculates the working matrix representation with these matrices. The solver works recursively on the working matrix to provide a solution without inverting the initial matrix.

    摘要翻译： 多用途计算设备包括接收工作矩阵的求解器和对应于方程组和残差数据的初始矩阵; 以及接收初始矩阵的适配器以及滤波矩阵，并且计算与求解器求解的方程式对应的工作矩阵。 工作矩阵使用初始矩阵检查稳定性条件，分别包括包括滤波矩阵或其转置的两个矩阵乘积以及初始矩阵和工作矩阵的比较。 适配器重新编号初始矩阵和滤波矩阵，以便使用作为依赖条件的函数的排序规则产生修改的矩阵和修改的滤波矩阵，并且用这些矩阵递归地计算工作矩阵表示。 求解器在工作矩阵上递归地工作，以提供解决方案，而不会反转初始矩阵。

    SYSTEM AND METHOD FOR PROVIDING END TO END INTERACTIVE MOBILE APPLICATIONS USING SMS
    9.
    发明申请
    SYSTEM AND METHOD FOR PROVIDING END TO END INTERACTIVE MOBILE APPLICATIONS USING SMS 有权
    使用短信提供终端交互式移动应用的系统和方法

    公开(公告)号：US20130059613A1

    公开(公告)日：2013-03-07

    申请号：US13580350

    申请日：2010-02-22

    申请人： Pawan Kumar ,  Madhu Sudan Kapoor

    发明人： Pawan Kumar ,  Madhu Sudan Kapoor

    IPC分类号： H04W4/14

    CPC分类号： H04W4/14 ,  G06Q30/02 ,  H04L51/046 ,  H04L51/38 ,  H04W4/50

    摘要： System and method for providing end to end interactive mobile applications are described. The present invention provides a complete solution for implementing and distributing interactive mobile applications via short message service. The instant invention is a new process for developing, managing, transmitting and rendering mobile interactive applications through short messaging service. The mobile interactive application is developed using web based interactive development environment. Once the application is developed, it is delivered to large number of mobile stations through SMS channel by an application provider. The received application on the mobile station is rendered and executed, and the user is able to interact with the application. Further, the user can also send the response to the application provider resulting in a two way communication.

    摘要翻译： 描述用于提供端到端交互式移动应用的系统和方法。 本发明提供了一种通过短消息服务实现和分发交互式移动应用的完整解决方案。 本发明是通过短消息服务开发，管理，传输和呈现移动交互应用的新过程。 移动互动应用程序是使用基于Web的交互式开发环境开发的。 一旦开发了应用程序，它就被应用程序提供商通过SMS通道传送给大量移动站。 呈现并执行在移动台上接收到的应用程序，并且用户能够与应用程序进行交互。 此外，用户还可以将响应发送到应用提供商，导致双向通信。