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1. 发明授权

US06206283B1 Method and apparatus for transferring money via a telephone call 有权
标题翻译：用于通过电话呼叫转账的方法和装置
公开(公告)号：US06206283B1
公开(公告)日：2001-03-27
申请号：US09219373
申请日：1998-12-23
申请人： Pradeep K. Bansal , Lee Begeja , Edward Chapman Durkee , Jeffrey Joseph Farah , Rajesh Kapadia , John Gerow Ramage , Benjamin J. Stern
发明人： Pradeep K. Bansal , Lee Begeja , Edward Chapman Durkee , Jeffrey Joseph Farah , Rajesh Kapadia , John Gerow Ramage , Benjamin J. Stern
IPC分类号： G06F1760
CPC分类号： G06Q20/28 , A61F2/07 , A61F2250/0067 , A61L29/085 , A61L29/16 , A61L31/10 , A61L31/16 , A61L2300/606 , A61M25/1027 , A61M25/104 , A61M2025/105 , A61M2025/1088 , G06Q20/04 , G06Q20/108 , G06Q20/16 , G06Q20/223 , G06Q20/24 , G06Q20/26 , G06Q20/32 , G06Q20/3223 , G06Q20/325 , G06Q20/40
摘要： An individual transfers money from a cash card (or the account that the cash card is tied to) by making a wireless phone call to another individual. A combination of a MONDEX style card with the individual phone cards are used for this purpose. This electronic cash (“ecash”) ecash/phone card is inserted into the phone to activate it for billing use and serves as the basis for a cash transaction. For example, person A makes a telephone call to person B and dials a suffix after the number to indicate the transaction and the amount. For example, one could transfer money to another card or account holder from one's card by dialing their number followed by CASH#200# to transfer 200 dollars to the other account. The card is then capable of being used as a cash card to make purchases or as a phone card to make calls. A database links the identity of the caller to the cash account and the transaction appears as part of a bank statement or as part of a wireless phone bill. A user could use his wireless phone to dial an account number and transfer money by entering the amount via DTMF or by speaking the amount to an ASR application connected to the database. A user could also use the phone to make purchases via the card by just dialing a number and having an anonymous purchase made of the item. Since the user would be identified by the wireless network, the user would not have to enter any additional information about identification or credit card. The number that the user dialed could then debit the user's card directly and the item could be delivered without any need for the user to enter more information.
摘要翻译：通过向另一个人发出无线电话，个人从现金卡（或现金卡绑定的帐户）转账。为此，使用MONDEX款式卡与个人电话卡的组合。这种电子现金（“ecash”）ecash /电话卡被插入到手机中以激活它用于计费使用，并且作为现金交易的基础。例如，A人员打电话给B人，并在号码后面拨一个后缀来指示交易和金额。例如，可以通过拨打他们的号码，然后是CASH＃200＃将钱转移到另一张卡或账户持有人，以将200美元转入另一个账户。该卡然后能够用作现金卡进行购买或作为电话卡打电话。数据库将呼叫者的身份链接到现金账户，交易显示为银行对帐单的一部分或作为无线电话帐单的一部分。用户可以使用他的无线电话拨打账号并通过DTMF输入金额或通过向连接到数据库的ASR应用程序说出金额来转账。用户也可以使用电话通过卡片进行购买，只需拨打一个号码并进行该项目的匿名购买。由于用户将被无线网络识别，所以用户不必输入关于识别或信用卡的任何附加信息。用户拨打的号码可以直接扣除用户的卡片，并且可以传送该物品，而无需用户输入更多信息。

2. 发明授权

US06564264B1 System, apparatus and method for automatic address updating of outgoing and incoming user messages in a communications network 失效
标题翻译：用于在通信网络中自动地址更新传出和传入的用户消息的系统，装置和方法
公开(公告)号：US06564264B1
公开(公告)日：2003-05-13
申请号：US09456318
申请日：1999-12-08
申请人： Carroll W. Creswell , Kenneth Mervin Huber , Brian J. Perry , John Gerow Ramage , Ronald Sherman
发明人： Carroll W. Creswell , Kenneth Mervin Huber , Brian J. Perry , John Gerow Ramage , Ronald Sherman
IPC分类号： G06F1516
CPC分类号： G06Q10/10 , H04L51/28 , H04L51/30
摘要： A system, apparatus and method automatically update address information of a user's outgoing and incoming messages to/from a communication network thereby relieving the user of the burden of manually entering address changes into a user address book. A plurality of users are coupled through terminals to a server in the communication network for exchanging telephone, CATV, Internet, intranet for messaging, facsimile, etc purposes. The server includes a message store; stored message profile; and is coupled to a change server linked to a network. The change server includes search rules and change options provided by the users in directing the change server in finding correct and alternative address information when erroneous or unknown information is detected in the outgoing and incoming messages. Each user address book includes a series of contacts for each user. Each contact is identified by an identification number, ID, including a name and address. The server detects message headers where a “Send To Address” is not in the address book. The change server is activated and accesses external databases for correct or alternative addresses in accordance with search rules provided by the user. The alternative or correct address books address information is installed in the users address book and the “Send To Message” process is executed. For returned messages incorporating erroneous information, the search server is again activated to access the databases for correct address information, after which the user's address book is updated thereby eliminating the time-consuming, irritating manual process of updating the user address book for outgoing and incoming messages.
摘要翻译：系统，装置和方法自动地更新用户到/从通信网络的输入和输入消息的地址信息，从而使用户手动地将地址改变输入用户地址簿的负担。多个用户通过终端耦合到通信网络中的服务器，用于交换电话，CATV，因特网，用于消息传递，传真等目的的内联网。服务器包括消息存储; 存储消息配置文件; 并且耦合到链接到网络的改变服务器。变更服务器包括由用户提供的搜索规则和变更选项，指示变更服务器在输出和输入消息中检测到错误或未知信息时查找正确和替代的地址信息。每个用户地址簿包括每个用户的一系列联系人。每个联系人都通过一个识别号码（ID）来标识，包括一个名字和地址。服务器检测到“发送到地址”不在地址簿中的消息标题。更改服务器被激活，并根据用户提供的搜索规则访问外部数据库以获取正确的或替代的地址。替代或正确的地址簿地址信息安装在用户地址簿中，并且执行“发送到消息”过程。对于返回的包含错误信息的消息，搜索服务器再次被激活以访问数据库以获取正确的地址信息，之后更新用户的地址簿，从而消除了用于更新用户地址簿的耗时且令人烦恼的手动过程，用于输出和输入消息。

3. 发明授权

US08379821B1 Per-conference-leg recording control for multimedia conferencing 有权
标题翻译：用于多媒体会议的每会议记录控制
公开(公告)号：US08379821B1
公开(公告)日：2013-02-19
申请号：US11281893
申请日：2005-11-18
申请人： John Gerow Ramage , Benjamin J. Stern
发明人： John Gerow Ramage , Benjamin J. Stern
IPC分类号： H04M3/42
CPC分类号： H04M3/42221 , H04M3/42 , H04M3/564 , H04M3/567
摘要： A method and system of controlling recordation and transmission of audio and video signals on a per-conference-leg basis are described. By providing a recordation and transmission control mechanism, teleconference participants may request to go “off-the-record.” A per-conference-leg recording and transmission control system enhances the flexibility of teleconference participant's interaction with one or more other participants. The control system and method may further allow a single individual to control the recordation and transmission of the teleconference or alternatively, grant each participant individual control over their own conference leg.
摘要翻译：描述了在每个会议腿基础上控制音频和视频信号的记录和传输的方法和系统。通过提供记录和传输控制机制，电话会议参与者可以要求不记录。每个会议记录和传输控制系统增强了电话会议参与者与一个或多个其他参与者的交互的灵活性。控制系统和方法还可以允许单个人控制电话会议的记录和传输，或者替代地，授予每个参与者对他们自己的会议腿的个人控制。

4. 发明授权

US06439456B1 Method for transferring money 有权
标题翻译：汇款方式
公开(公告)号：US06439456B1
公开(公告)日：2002-08-27
申请号：US09814859
申请日：2001-03-23
申请人： Pradeep K. Bansal , Lee Begeja , Jeffrey Joseph Farah , Rajesh Kapadia , John Gerow Ramage , Benjamin J. Stern
发明人： Pradeep K. Bansal , Lee Begeja , Jeffrey Joseph Farah , Rajesh Kapadia , John Gerow Ramage , Benjamin J. Stern
IPC分类号： G06F1760
CPC分类号： G06Q20/28 , A61F2/07 , A61F2250/0067 , A61L29/085 , A61L29/16 , A61L31/10 , A61L31/16 , A61L2300/606 , A61M25/1027 , A61M25/104 , A61M2025/105 , A61M2025/1088 , G06Q20/04 , G06Q20/108 , G06Q20/16 , G06Q20/223 , G06Q20/24 , G06Q20/26 , G06Q20/32 , G06Q20/3223 , G06Q20/325 , G06Q20/40
摘要： A method for transferring money is described. This method can include providing a cash card having stored thereon an amount of money; making a telephone call to a predetermined telephone number using the cash card as a payment device for the telephone call; dialing a predetermined suffix to the predetermined telephone number followed by a desired dollar amount; debiting the cash card by the desired dollar amount; and, crediting an account associated with the predetermined telephone number by the desired dollar amount.
摘要翻译：描述了一种用于转账的方法。该方法可以包括提供其上存储有金额的现金卡; 使用现金卡作为用于电话呼叫的支付设备的预定电话号码的电话呼叫; 将预定的后缀拨到所述预定的电话号码，之后是期望的美元金额; 以现金金额扣除现金卡; 并且将与预定电话号码相关联的帐户记入期望的美元金额。

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