公开(公告)号：US07370004B1

公开(公告)日：2008-05-06

申请号：US09564783

申请日：2000-05-04

申请人： Ameet Patel ,  Jennifer Holme ,  Anthony Caiazzo

发明人： Ameet Patel ,  Jennifer Holme ,  Anthony Caiazzo

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0613 ,  G06Q20/108 ,  G06Q20/382 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0203 ,  G06Q30/0204 ,  G06Q30/0237 ,  G06Q30/0239 ,  G06Q30/0251 ,  G06Q30/0256 ,  G06Q30/0269 ,  G06Q30/0271 ,  G06Q30/0631 ,  G06Q40/00

摘要： A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/services to present to the user over the communication channel based on the stored information in the knowledge management repository.

摘要翻译： 一种用于个性化通过至少一个通信信道进行通信的用户与信息/产品/服务的提供者之间的交互的系统，所述用户具有用于通过所述提供商在所述信道上进行通信的通信设备，所述系统包括用于与所述提供商接口的信道接口 信道，用于与信息/产品/服务提供商进行接口的信息/产品/服务接口; 以及耦合到所述信道和信息/产品/服务接口的知识管理系统，所述知识管理系统包括存储有关所述用户的信息的知识管理存储库，通过所述信道与所述用户的交互获得的信息，所述信息包括所述用户和 知识管理系统，以及进一步存储关于提供给用户的多个信息/产品/服务的信息;以及个性化引擎，用于决定向用户呈现多个信息/产品/服务中的哪一个 基于知识管理库中存储的信息的通信信道。

公开(公告)号：US07062456B1

公开(公告)日：2006-06-13

申请号：US09413971

申请日：1999-10-07

申请人： Louis Riehl ,  George Anderson

发明人： Louis Riehl ,  George Anderson

IPC分类号： G06F17/60

CPC分类号： G06Q40/00 ,  G06F19/20 ,  G06K5/00 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/14 ,  G06Q20/18 ,  G06Q20/40 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/202

摘要： As banking transactions are processed by a bank teller, all of the relevant information with respect to the transaction (e.g., dollar amount) is captured in an electronic file. Each of the electronic files from the various branches of the bank are forwarded to a central back office processing center where the electronic files are combined into a single Transaction Repository. At the end of the branch day, all of the paper associated with the transactions is forwarded from the branches to the back office processing center. The paper transactions are imaged in the conventional manner and the Magnetic Ink Character Recognition (MICR) data is read from the paper. The present invention then automatically correlates the images and MICR data captured from the paper with the complete transaction record contained in the Transaction Repository. Most of the conventional back office processing can now be performed without the need to perform character recognition and without the need for excess human intervention.

公开(公告)号：US20020059141A1

公开(公告)日：2002-05-16

申请号：US09876762

申请日：2001-06-07

申请人： The Chase Manhattan Bank

发明人： Anthony Davies ,  Dave Lally ,  Coleman Chan ,  Teri Resca ,  Eric Hirschhorn ,  Eileen Moy

IPC分类号： G06F017/60

CPC分类号： G06Q40/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q40/025

摘要： A system and method for initiating and processing banking deposits. In a preferred embodiment, the system is maintained by a financial institution such as a bank and the bank customers access the system through the Internet. A typical bank customer is a corporate treasurer. The system provides a Graphical User Interface that allows the customers to view the bank's current rates for a plurality of currencies and a plurality of time periods. The time periods for the deposits typically range from overnight to several months. Once the customer has found a time period/rate/currency that is acceptable, the customer selects the desired rate on the customer interface and the system automatically generates a deal ticket that is presented to the customer. The customer can then modify the settlement date, the settlement instructions and the amount of the deposit. Once the customer is satisfied with the deal, the customer submits it for trading. In an important aspect of the present invention, the confirmation of the trade occurs online and real time. Once the customer accepts the deal, it is logged. The system has further utilities for the customers to view archives of previous deals, establish profiles and preferences and chat with bank representatives. The system further includes state of the art security in order to ensure the safety and confidentiality of the banking transactions.

摘要翻译： 一种启动和处理银行存款的系统和方法。 在优选实施例中，系统由金融机构（例如银行）维护，并且银行客户通过因特网访问该系统。 典型的银行客户是公司财务主管。 该系统提供图形用户界面，允许客户查看银行目前的多种货币和多个时间段的汇率。 存款的时间段通常从隔夜到几个月。 一旦客户找到可接受的时间段/速率/货币，客户将在客户界面上选择所需的费率，系统会自动生成提交给客户的交易单。 客户可以修改结算日期，结算指示和存款金额。 一旦客户满意交易，客户提交交易。 在本发明的一个重要方面，交易的确认在线且实时地发生。 一旦客户接受交易，就会记录下来。 该系统有进一步的实用程序，让客户查看以前交易的档案，建立个人资料和偏好，并与银行代表聊天。 该系统还包括最先进的安全性，以确保银行交易的安全和保密。

公开(公告)号：US6006249A

公开(公告)日：1999-12-21

申请号：US917041

申请日：1997-08-19

申请人： Sang F. Leong

发明人： Sang F. Leong

IPC分类号： G06F9/50 ,  G06F9/00

CPC分类号： G06F9/5055 ,  G06F9/5038

摘要： A system including a plurality of micro-processing units each operating under its own control program and being capable of performing at least one of a plurality of tasks for manipulating electronic data, and an electronic bulletin board for posting the one or more tasks required to manipulate the electronic data, the posted tasks being readable by the micro-processing units, where at least one of the micro-processing units (capable of performing at least one of the posted tasks) executes that task on the electronic data in response to reading the electronic bulletin board and determining that the posted task should be executed.

摘要翻译： 一种系统，包括多个微处理单元，每个微处理单元各自在其自身的控制程序下操作并且能够执行用于操纵电子数据的多个任务中的至少一个;以及电子公告板，用于发布操作所需的一个或多个任务 所述电子数据，所述发布的任务可由所述微处理单元读取，其中所述微处理单元（能够执行至少一个已发布的任务）中的至少一个响应于读取所述电子数据执行所述电子数据上的所述任务 电子公告板，并确定发布的任务应执行。

公开(公告)号：US5940844A

公开(公告)日：1999-08-17

申请号：US435538

申请日：1995-05-05

申请人： Thomas Cahill ,  John J. McMonagle ,  Richard H. Sferra

发明人： Thomas Cahill ,  John J. McMonagle ,  Richard H. Sferra

IPC分类号： G06F17/30 ,  G06K9/03 ,  G06Q20/04 ,  G06Q40/00 ,  G06F17/40 ,  G06F17/60

CPC分类号： G06Q40/02 ,  G06F17/30017 ,  G06K9/033 ,  G06Q20/042 ,  G06Q40/12 ,  Y10S707/956 ,  Y10S707/99931 ,  Y10S707/99939

摘要： A method and apparatus for storing and retrieving images of documents, e.g. checks. The method comprises placing a plurality of documents in a document imaging machine and forming an electronic image of each document, storing each electronic image in an electronic storage device, providing at least one user interface device in communication on a communication link with the electronic storage device, placing a request for at least one document image on the user interface device, transmitting the request by the communication link to the electronic storage device, searching the electronic storage device for the requested electronic image of the document, retrieving the at least one electronic image or providing an indication that the image was not found, storing the electronic image, if found, in an electronic file, for transmission to the user interface device at user option, providing the electronic image to the user interface device at command of a user at the user interface device for storage at the user interface device and displaying the requested electronic image on a display of the user interface device. Preferably, the electronic, images are stored with embedded identifying information in a TIFF.RTM. (trademark of Aldus Corp.) file format and the check images can be displayed on a display device which permits the user to view both sides of the checks simultaneously and perform functions such as zooming and rotation of the images.

摘要翻译： 一种用于存储和检索文档的图像的方法和装置，例如 检查。 该方法包括将多个文档放置在文档成像机中并形成每个文档的电子图像，将每个电子图像存储在电子存储装置中，在与电子存储装置的通信链路上提供通信中的至少一个用户界面装置 向所述用户界面设备发送至少一个文档图像的请求，通过所述通信链路将所述请求发送到所述电子存储设备，在所述电子存储设备中搜索所请求的所述文档的电子图像，检索所述至少一个电子图像 或者提供没有找到图像的指示，如果发现的话，将电子图像存储在电子文件中，以用户选项传送到用户界面装置，则以用户的命令将电子图像提供给用户界面装置 所述用户界面设备用于在所述用户界面设备处存储并显示所请求的电子图像 在用户界面设备的显示器上。 优选地，电子图像以嵌入的识别信息存储在TIFF TM（Aldus Corp.的商标）文件格式中，并且可以在允许用户同时查看检查的两侧并执行的检查图像上显示检查图像 功能如图像的缩放和旋转。

公开(公告)号：US5819234A

公开(公告)日：1998-10-06

申请号：US681712

申请日：1996-07-29

申请人： Fred Slavin ,  Randy J. Schafer

发明人： Fred Slavin ,  Randy J. Schafer

IPC分类号： G07B15/06 ,  G07B15/00

CPC分类号： G07B15/063 ,  G06Q30/0284

摘要： An automatic toll collection system comprises and operates in conjunction with transponders which are provided for sale to the public in sealed packages and which are pre-approved for a predetermined amount of prepaid toll credit. When the transponders are purchased, they can be installed in any vehicle and are immediately ready for use. The kit in which the transponder is sold includes application forms and a return mailer which permit the purchaser thereof to convert the preestablished anonymous account to a regular prepaid toll account and to authorize the automatic replenishment of the account, thus enabling continued use of the purchased transponder beyond the pre-approved amount. The invention further comprises the process of frequent updating, e.g. several times daily, hourly, etc. of toll plaza computers with toll transactions at all participating toll facilities, to prevent inadvertent overdrawing of toll accounts by motorists.

摘要翻译： 一个自动收费系统包括与应答器一起运行，转发器是以密封包装方式向公众出售的，并且预先批准预定数量的预付费用信用。 当应答器购买时，它们可以安装在任何车辆上，并立即准备使用。 出售转发器的套件包括申请表和退货邮件，允许其购买者将预先建立的匿名帐户转换为常规预付费用帐户，并授权自动补充帐户，从而可以继续使用所购买的转发器 超出预先批准的金额。 本发明还包括频繁更新的过程，例如， 所有参与收费设施的收费广场电脑每天，每小时几次，以防止驾驶人士无意中过度收费。

公开(公告)号：US20080086402A1

公开(公告)日：2008-04-10

申请号：US11947152

申请日：2007-11-29

申请人： Ameet PATEL ,  Jennifer HOLME ,  Anthony CAIAZZO

发明人： Ameet PATEL ,  Jennifer HOLME ,  Anthony CAIAZZO

IPC分类号： G06Q10/00 ,  G06Q40/00

CPC分类号： G06Q30/0613 ,  G06Q20/108 ,  G06Q20/382 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0203 ,  G06Q30/0204 ,  G06Q30/0237 ,  G06Q30/0239 ,  G06Q30/0251 ,  G06Q30/0256 ,  G06Q30/0269 ,  G06Q30/0271 ,  G06Q30/0631 ,  G06Q40/00

摘要： A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/services to present to the user over the communication channel based on the stored information in the knowledge management repository.

摘要翻译： 一种用于个性化通过至少一个通信信道进行通信的用户与信息/产品/服务的提供者之间的交互的系统，所述用户具有用于通过所述提供商在所述信道上进行通信的通信设备，所述系统包括用于与所述提供商接口的信道接口 信道，用于与信息/产品/服务提供商进行接口的信息/产品/服务接口; 以及耦合到所述信道和信息/产品/服务接口的知识管理系统，所述知识管理系统包括存储有关所述用户的信息的知识管理存储库，通过所述信道与所述用户的交互获得的信息，所述信息包括所述用户和 知识管理系统，以及进一步存储关于提供给用户的多个信息/产品/服务的信息;以及个性化引擎，用于决定向用户呈现多个信息/产品/服务中的哪一个 基于知识管理库中存储的信息的通信信道。

公开(公告)号：US20080077462A1

公开(公告)日：2008-03-27

申请号：US11950112

申请日：2007-12-04

申请人： Ameet Patel ,  Jennifer Holme ,  Anthony Caiazzo

发明人： Ameet Patel ,  Jennifer Holme ,  Anthony Caiazzo

IPC分类号： G06F17/30

CPC分类号： G06Q30/0613 ,  G06Q20/108 ,  G06Q20/382 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0203 ,  G06Q30/0204 ,  G06Q30/0237 ,  G06Q30/0239 ,  G06Q30/0251 ,  G06Q30/0256 ,  G06Q30/0269 ,  G06Q30/0271 ,  G06Q30/0631 ,  G06Q40/00

摘要： A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/services to present to the user over the communication channel based on the stored information in the knowledge management repository.

公开(公告)号：US07068832B1

公开(公告)日：2006-06-27

申请号：US09569179

申请日：2000-05-11

申请人： Joanne Price ,  Sumit Mathur ,  Paul Mao

发明人： Joanne Price ,  Sumit Mathur ,  Paul Mao

IPC分类号： G06K9/00

CPC分类号： G06Q20/042 ,  G06K9/20

摘要： A system and method for imaging and capturing information from checks and documents contained in a lockbox remittance. A computer workstation is used to generate and print a header sheet that includes information identifying the check. The header sheet is appended to the front of the documents and the document are imaged using a scanner. Identifying information from each of the documents is used to create a data record for each document. In parallel to the scanning of the documents, the checks are scanned and images are created for each of the checks. Additionally, identifying information from each of the checks (e.g., the check number, the amount, etc.) is manually input into a database, thus creating a data record for each check. Once all of the data entry and scanning has been completed, an automatic association process takes place in which the check data records, the check images, the document data records and the document images are all automatically associated and cross-referenced such that the system recreates an electronic version of the original batch of physical papers. All of the associated data and images are contained in a database, from which all of the information for a lockbox customer can be electronically retrieved over the Internet.

摘要翻译： 一种用于从包含在锁箱汇款中的支票和文件中成像和捕获信息的系统和方法。 计算机工作站用于生成和打印包含识别支票的信息的标题页。 标题页附加到文档的正面，并使用扫描仪对文档进行成像。 从每个文档中识别信息用于为每个文档创建数据记录。 与扫描文档并行，扫描检查，并为每个检查创建图像。 此外，从每个检查的识别信息（例如，检查号，数量等）被手动地输入到数据库中，从而为每个检查创建数据记录。 一旦所有的数据输入和扫描完成，就进行自动关联过程，其中检查数据记录，检查图像，文档数据记录和文档图像都被自动关联和交叉引用，使得系统重新创建 电子版的原批次物理论文。 所有相关的数据和图像都包含在数据库中，可以通过互联网电子地检索锁箱客户的所有信息。

公开(公告)号：US07058817B1

公开(公告)日：2006-06-06

申请号：US09608851

申请日：2000-06-30

申请人： Kimberly Ellmore

发明人： Kimberly Ellmore

IPC分类号： H04L9/32

CPC分类号： H04L63/0815 ,  G06Q20/108 ,  H04L63/168

摘要： A system and method for integrating the Internet front end sign on processes of the various systems of a financial institution which allows a customer to view and access its various financial accounts with the institution. During the initial sign up for the online access to its accounts, a customer creates it's User ID and password online during the same session. Once the customer has signed on (password) and verified ownership of at least one account, the system displays all of the customer's accounts that are available for access via the Internet website. The online ownership verification uses only a single account of the customer and the ownership verification criteria associated with the account. The account used for verifying a customer is first determined based on the accounts selected by the customer for accessing online. From the selected accounts, the system of the present invention creates a verification hierarchy with respect to the accounts. When determining the verification to use for the single ownership verification, the present invention selects the account from the hierarchy with the most stringent requirements.

摘要翻译： 一种用于整合互联网前端的系统和方法，用于在金融机构的各种系统的过程中进行登录，这允许客户查看并访问其与该机构的各种财务帐户。 在首次注册在线访问其帐户期间，客户在同一会话期间在线创建用户ID和密码。 一旦客户已经登录（密码）和验证了至少一个帐户的所有权，系统将通过互联网网站显示可用于访问的所有客户帐户。 在线所有权验证仅使用客户的单一帐户和与该帐户相关联的所有权验证标准。 用于验证客户的帐户首先根据客户选择的在线访问确定。 从所选择的帐户中，本发明的系统创建关于账户的验证层级。 当确定用于单一所有权验证的验证时，本发明从具有最严格要求的层次结构中选择帐户。