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    • 1. 发明授权
    • System and methods for fraud detection/prevention for a benefits program
    • 福利计划的欺诈检测/预防的系统和方法
    • US08676611B2
    • 2014-03-18
    • US13529028
    • 2012-06-21
    • Thomas J. McLaughlinJanis E. Simm
    • Thomas J. McLaughlinJanis E. Simm
    • G06Q40/00
    • G06Q40/02
    • Systems and methods of the present invention detect and/or deter individuals who may be collecting or intending to collect unemployment insurance (UI) benefits and simultaneously receive pay from an employer. Embodiments identify, during either initial screening of a UI applicant or on an ongoing basis for current recipients, those individuals who would seek to defraud UI programs by receiving improper payments. Methods include locating account information in databases from one or more (preferably, a plurality) of financial service organizations pertaining to deposit (or other) accounts for an individual applying for benefits, analyzing deposit transactions into those accounts, determining whether the individual is likely to be receiving deposits from employment or wages, and providing information to an entity such as a government agency regarding likely employment deposits for the individual.
    • 本发明的系统和方法检测和/或阻止可能正在收集或打算收取失业保险(UI)福利并同时从雇主收取工资的个人。 实施例在初步筛选UI申请人或对当前收件人进行持续的基础上,确定通过收到不正当付款来寻求诈骗UI计划的个人。 方法包括将账户信息定位在一个或多个(优选地,多个)金融服务组织的数据库中,这些金融服务组织涉及申请福利的个人的存款(或其他)账户,将存款交易分析到那些帐户中,确定个人是否可能 从就业或工资中接收存款,并向诸如政府机构的实体提供关于个人可能的就业存款的信息。
    • 3. 发明授权
    • Network communication system
    • 网络通信系统
    • US06181736B2
    • 2001-01-30
    • US09040916
    • 1998-03-18
    • Thomas J. McLaughlinJames E. MessingerRonald J. Nelson
    • Thomas J. McLaughlinJames E. MessingerRonald J. Nelson
    • H04L516
    • H04M1/2473H04L5/16H04M3/42042H04M3/42391H04M3/465H04M7/0012H04M11/066
    • A network communications system containing one or more nodes includes an ITU/TDD/VOICE modem in electrical communication with a local computer. A remote device connecting to the ITU/TDD/VOICE modem is able to converse in real time using textual characters with the local computer user. Once connected to the ITU/TDD/VOICE modem, the remote device is recognized by the network as an additional node. If the remote device wishes to textually communicate with a node on the network, the local computer formats the data into a network compatible format for transmission to the node. The local computer transmits the data to the node while communication between the ITU/TDD/VOICE modem and the remote device is maintained. Once the remote device is connected to the network, the network may treat the remote device as an additional node. Thus, the remote device may be privileged to some or all of the network services. Furthermore, the remote device may be allowed to utilize a network modem for connection to a second remote device.
    • 包含一个或多个节点的网络通信系统包括与本地计算机电通信的ITU / TDD / VOICE调制解调器。 连接到ITU / TDD / VOICE调制解调器的远程设备能够使用本地计算机用户的文本字符实时交谈。 一旦连接到ITU / TDD / VOICE调制解调器,则远程设备被网络识别为附加节点。 如果远程设备希望文本地与网络上的节点通信,则本地计算机将数据格式化为网络兼容格式以传输到节点。 当维护ITU / TDD / VOICE调制解调器和远程设备之间的通信时,本地计算机将数据发送到节点。 一旦远程设备连接到网络,网络可以将远程设备视为附加节点。 因此,远程设备可以被许可给某些或全部网络服务。 此外,可以允许远程设备利用网络调制解调器来连接到第二远程设备。
    • 4. 发明申请
    • SYSTEM AND METHODS FOR FRAUD DETECTION/PREVENTION FOR A BENEFITS PROGRAM
    • 欺诈检测/预防受益方案的系统和方法
    • US20120330689A1
    • 2012-12-27
    • US13529028
    • 2012-06-21
    • Thomas J. McLaughlinJanis E. Simm
    • Thomas J. McLaughlinJanis E. Simm
    • G06Q40/08
    • G06Q40/02
    • Systems and methods of the present invention detect and/or deter individuals who may be collecting or intending to collect unemployment insurance (UI) benefits and simultaneously receive pay from an employer. Embodiments identify, during either initial screening of a UI applicant or on an ongoing basis for current recipients, those individuals who would seek to defraud UI programs by receiving improper payments. Methods include locating account information in databases from one or more (preferably, a plurality) of financial service organizations pertaining to deposit (or other) accounts for an individual applying for benefits, analyzing deposit transactions into those accounts, determining whether the individual is likely to be receiving deposits from employment or wages, and providing information to an entity such as a government agency regarding likely employment deposits for the individual.
    • 本发明的系统和方法检测和/或阻止可能正在收集或打算收取失业保险(UI)福利并同时从雇主收取工资的个人。 实施例在初步筛选UI申请人或对当前收件人进行持续的基础上,确定通过收到不正当付款来寻求诈骗UI计划的个人。 方法包括将账户信息定位在一个或多个(优选地,多个)金融服务组织的数据库中,这些金融服务组织涉及申请福利的个人的存款(或其他)账户,将存款交易分析到那些帐户中,确定个人是否可能 从就业或工资中接收存款,并向诸如政府机构的实体提供关于个人可能的就业存款的信息。
    • 5. 发明授权
    • Network communication system
    • 网络通信系统
    • US07295663B2
    • 2007-11-13
    • US11209198
    • 2005-08-22
    • Thomas J. McLaughlinJames E. MessingerRonald J. Nelson
    • Thomas J. McLaughlinJames E. MessingerRonald J. Nelson
    • H04M3/42
    • H04M1/2473H04L5/16H04M3/42042H04M3/42391H04M3/465H04M7/0012H04M11/066
    • The present invention is directed to a network communication system that provides textual communication and call transferring between nodes. The system further allows simultaneous notification of multiple nodes of an incoming call. The system includes a local computer that may also serve as a node in the system. A call may originate with the local computer or be generated by a remote device that is in communication with the local computer. The local computer generates a call indicator that is transmitted to one or more nodes simultaneously. Selection of the nodes may be based on user intervention or by predefined groupings. Each node receiving a call indicator is configured to generate a ring message in response. The ring message is displayed on an output device to alert a node user to the incoming call. In response to the ring message, a node user may choose to accept or decline the call. A node user's responses to the call indicator are transmitted to the local computer. Once the local computer receives an acceptance from a node, the local computer transmits call data representative of the call to the accepting node.
    • 本发明涉及一种在节点之间提供文本通信和呼叫转移的网络通信系统。 该系统还允许同时通知来电的多个节点。 该系统包括也可以用作系统中的节点的本地计算机。 呼叫可以由本地计算机发起,或者由与本地计算机通信的远程设备生成。 本地计算机生成一个呼叫指示符,同时发送到一个或多个节点。 节点的选择可以基于用户干预或通过预定义的分组。 接收呼叫指示符的每个节点被配置为响应地生成环形消息。 环形消息显示在输出设备上,以向节点用户通知来电。 响应于环形消息,节点用户可以选择接受或拒绝该呼叫。 节点用户对呼叫指示符的响应被发送到本地计算机。 一旦本地计算机从节点接收到接受,本地计算机将表示呼叫的呼叫数据传送到接受节点。
    • 7. 发明授权
    • ITU/TDD modem
    • ITU / TDD调制解调器
    • US5905476A
    • 1999-05-18
    • US586567
    • 1996-01-16
    • Thomas J. McLaughlinJames E. MessingerRonald J. Nelson
    • Thomas J. McLaughlinJames E. MessingerRonald J. Nelson
    • H04M11/06G09G5/00
    • H04M11/066
    • A modem system includes an ITU/TDD/VOICE modem or other modem that is connected to a local computer and a telephone line. The ITU/TDD/VOICE modem allows transmission and reception of ITU, TDD, and voice signals over the telephone line to and from a remote device (such as a remote TDD, ITU modem, or telephone). The modem system may include one or more of the following features. The modem system may be used in a network whereby an indicator on a display screen indicates sound energy received by the modem over the line. The modem system may allow speed jumps from one speed to another during a call. The modem system includes a display in which the screen is split into two vertical areas, to display text sent between remote computers. The text sent by one computer is displayed in the right vertical area, while the text of the other computer is displayed in the left area. The vertical placement of the texts are based on the relative time in which they were sent to the other person. The modem system may also provide a special provision for 300 BPS connections, voice recognition, typing during a file transfer, and prevention of file transfers and/or high speed transfers. A local modem may communicate control information to a remote modem to, for example, synchronize protocol settings.
    • 调制解调器系统包括连接到本地计算机和电话线路的ITU / TDD / VOICE调制解调器或其他调制解调器。 ITU / TDD / VOICE调制解调器允许通过电话线向远程设备(例如远程TDD,ITU调制解调器或电话)发送和接收ITU,TDD和语音信号。 调制解调器系统可以包括以下特征中的一个或多个。 调制解调器系统可以用在网络中,由此显示屏幕上的指示器指示由调制解调器在线路上接收的声音能量。 调制解调器系统可能允许在通话期间从一个速度跳到另一个速度。 调制解调器系统包括显示器,其中屏幕被分成两个垂直区域,以显示在远程计算机之间发送的文本。 一台计算机发送的文本显示在右侧垂直区域,另一台计算机的文本显示在左侧区域。 文本的垂直放置是基于它们发送给另一个人的相对时间。 调制解调器系统还可以提供用于300BPS连接,语音识别,文件传输期间的打字以及防止文件传输和/或高速传输的特殊设置。 本地调制解调器可以将控制信息传送到远程调制解调器,以例如同步协议设置。
    • 8. 发明授权
    • ITU/TDD modem
    • ITU / TDD调制解调器
    • US5687222A
    • 1997-11-11
    • US684331
    • 1996-07-19
    • Thomas J. McLaughlinJames E. MessingerRonald J. Nelson
    • Thomas J. McLaughlinJames E. MessingerRonald J. Nelson
    • H04M11/06H04M11/00
    • H04M11/066
    • A communication system includes an ITU/TDD/VOICE modem that is connected to a local computer and a telephone line. The ITU/TDD/VOICE modem allows transmission and reception of ITU, TDD, and voice signals over the telephone line to and from a remote device. Examples of remote devices include a remote TDD or ITU modem (which connects to a remote computer), or a telephone. The ITU/TDD/VOICE modem may operate in various modes including (1) a computer communications mode and (2) a stand alone mode. During computer communications mode, the ITU/TDD/VOICE modem is controlled by the local computer. During stand alone mode, the ITU/TDD/VOICE modem operates independently of the local computer. The stand alone mode may further include an answering machine mode and prestored outgoing message mode. The ITU/TDD/VOICE modem includes various other features including one or more of the following: a particular utilization of the transmit/receive LED's in TDD mode; the ability to reacquire a new ITU or TDD connection from TDD mode (i.e., reacquisition mode); techniques for minimizing answer tone duration; techniques for modem status query; techniques for silencing Baudot or ITU modulation during voice carry over or hearing carry over; uses for audio-in and audio-out connectors.
    • 通信系统包括连接到本地计算机和电话线路的ITU / TDD / VOICE调制解调器。 ITU / TDD / VOICE调制解调器允许通过电话线向远程设备发送和接收ITU,TDD和语音信号。 远程设备的示例包括远程TDD或ITU调制解调器(连接到远程计算机)或电话。 ITU / TDD / VOICE调制解调器可以以各种模式操作,包括(1)计算机通信模式和(2)独立模式。 在计算机通信模式下,ITU / TDD / VOICE调制解调器由本地计算机控制。 在独立模式下,ITU / TDD / VOICE调制解调器独立于本地计算机进行操作。 独立模式还可以包括应答机模式和预先存储的传出消息模式。 ITU / TDD / VOICE调制解调器包括各种其他特征,包括以下一个或多个:发射/接收LED在TDD模式下的特定利用; 从TDD模式(即重新获取模式)重新获取新的ITU或TDD连接的能力; 最小化应答音持续时间的技术; 调制解调器状态查询技术; 在语音携带或听证过程中使Baudot或ITU调制失真的技术; 用于音频输入和音频输出连接器。