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131. 发明授权

US08483473B2 Systems and methods for obtaining financial offers using mobile image capture 有权
标题翻译：使用移动图像捕获获取财务报价的系统和方法
公开(公告)号：US08483473B2
公开(公告)日：2013-07-09
申请号：US13663450
申请日：2012-10-29
申请人： John J. Roach , Grisha Nepomniachtchi , Robert Couch , Mikhail Avergun
发明人： John J. Roach , Grisha Nepomniachtchi , Robert Couch , Mikhail Avergun
IPC分类号： G06K9/00 , G06Q40/00
CPC分类号： G06Q20/3276 , G06K9/3275 , G06K9/38 , G06K9/42 , G06K2209/01 , G06Q20/042 , G06Q20/10 , G06Q20/3676 , H04N1/00244 , H04N1/00307 , H04N2101/00 , H04N2201/001 , H04N2201/0084
摘要： Systems and methods for applying for and creating balance transfers with a mobile device are provided. An image of a customer's financial statement can be taken using a mobile device, after which the image is analyzed to extract information relevant to creating a balance transfer. The extracted information is then communicated to a bank over a network connected with the mobile device, where the bank can process the information and create an offer to the customer for a balance transfer in real-time. An example financial statement is a credit card statement. These systems and methods may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; detecting relevant information within the image; transmitting the information to a bank; and transmitting a resulting balance transfer offer from the bank to the mobile device.
摘要翻译：提供了使用移动设备申请和创建平衡转移的系统和方法。可以使用移动设备拍摄客户财务报表的图像，之后分析图像以提取与创建余额转帐相关的信息。所提取的信息然后通过与移动设备连接的网络传送到银行，其中银行可以处理信息并且向客户创建提供实时的余额转帐的报价。示例财务报表是信用卡对帐单。这些系统和方法可以包括使用移动通信设备捕获文档的图像; 将图像发送到服务器; 检测图像内的相关信息; 将信息传送给银行; 以及从银行向移动设备发送所得到的余额转帐报价。

132. 发明授权

US08453162B2 Context information associated with message flows in a messaging system 有权
标题翻译：与消息系统中的消息流相关联的上下文信息
公开(公告)号：US08453162B2
公开(公告)日：2013-05-28
申请号：US12176138
申请日：2008-07-18
申请人： Michael Groetzner , Harry Hoff
发明人： Michael Groetzner , Harry Hoff
IPC分类号： G06F9/44 , G06F15/16
CPC分类号： G06F9/546 , G06Q20/108 , G06Q20/3676
摘要： Method, parser, messaging system, computer program and computer program product for handling context information associated with a message flow in a messaging system, the message flow having processing nodes for processing the message. A request is received at the parser to perform a first operation associated with the message. An indication of the context information to retrieve from a context store is obtained. This context information is for use by at least one of the processing nodes in the message flow for determining how to process the message. The context information is retrieved from the context store and a logical representation of the context information is then created in a format accessible by at least one processing node in the message flow.
摘要翻译：用于处理与消息系统中的消息流相关联的上下文信息的方法，解析器，消息系统，计算机程序和计算机程序产品，所述消息流具有用于处理消息的处理节点。在解析器处接收到请求以执行与消息相关联的第一操作。获得从上下文存储检索的上下文信息的指示。该上下文信息由消息流中的至少一个处理节点用于确定如何处理该消息。从上下文存储中检索上下文信息，然后以消息流中的至少一个处理节点可访问的格式创建上下文信息的逻辑表示。

133. 发明申请

US20130024374A1 METHOD AND APPARATUS FOR SECURE ACCESS PAYMENT AND IDENTIFICATION 有权
标题翻译：用于安全获取和识别的方法和装置
公开(公告)号：US20130024374A1
公开(公告)日：2013-01-24
申请号：US13621609
申请日：2012-09-17
申请人： Kenneth P. Weiss
发明人： Kenneth P. Weiss
IPC分类号： H04L9/32 , G06Q40/00 , H04W12/06
CPC分类号： G06Q20/40145 , G06F21/32 , G06F21/35 , G06F21/6245 , G06F2221/2115 , G06Q20/3676 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/02 , G06Q50/22 , G07C9/00087 , G07C9/00103 , G07C2009/00095 , H04L9/0891 , H04L9/3231 , H04L9/3247 , H04L9/3271 , H04L63/0442 , H04L63/068 , H04L63/08 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04L63/10 , H04L2209/56 , H04L2209/805 , H04W12/02 , H04W12/06
摘要： According to one aspect, the invention provides a system for authenticating identities of a plurality of users. In one embodiment, the system includes a first handheld device including a wireless transceiver which is configured to transmit authentication information, a second device including a wireless receiver, where the second device is configured to receive the authentication information.
摘要翻译：根据一方面，本发明提供了一种用于认证多个用户的身份的系统。在一个实施例中，系统包括第一手持设备，其包括被配置为发送认证信息的无线收发器，包括无线接收器的第二设备，其中第二设备被配置为接收认证信息。

134. 发明授权

US08229997B2 Method and system using a portable object for providing an extension to a server 有权
标题翻译：使用便携式对象提供服务器扩展的方法和系统
公开(公告)号：US08229997B2
公开(公告)日：2012-07-24
申请号：US11993778
申请日：2006-06-22
申请人： Laurent Castillo , Christoph Siegelin
发明人： Laurent Castillo , Christoph Siegelin
IPC分类号： G06F15/16
CPC分类号： H04L29/06 , G06Q20/105 , G06Q20/20 , G06Q20/3672 , G06Q20/3676 , G06Q40/123
摘要： In general, the invention relates to a method for executing at least a portion of a server operation. The method includes providing an extension to a client connected to the server, where the extension includes a portable object connected to the client. The method further includes performing at least the portion of server operation by the extension, where performing at least the portion of the server operation includes executing a copy of at least a portion of server software stored on the portable object.
摘要翻译：通常，本发明涉及一种用于执行服务器操作的至少一部分的方法。该方法包括向连接到服务器的客户端提供扩展，其中扩展包括连接到客户端的便携式对象。所述方法还包括至少执行所述扩展部分的服务器操作，其中至少执行所述服务器操作的所述部分包括执行存储在所述便携式对象上的服务器软件的至少一部分的副本。

135. 发明申请

US20120109814A1 Method and System for Managing and Preparing Documentation for Real Estate Transactions 有权
标题翻译：管理和准备房地产交易文件的方法和系统
公开(公告)号：US20120109814A1
公开(公告)日：2012-05-03
申请号：US13294465
申请日：2011-11-11
申请人： Lee Salzmann , Joseph Mincone , John Mincone , Andre J. Hollinger
发明人： Lee Salzmann , Joseph Mincone , John Mincone , Andre J. Hollinger
IPC分类号： G06Q40/02
CPC分类号： G06Q50/167 , G06Q20/3676 , G06Q20/382 , G06Q30/04 , G06Q40/02 , G06Q40/025 , G06Q50/188
摘要： A system, method and computer product for facilitating closing of a loan is provide. In one embodiment, the method comprises receiving transaction information for the loan, storing the transaction information in a memory, preliminarily compiling one or more electronic documents with at least some of the transaction information, outputting for review by a first party to the loan, the one or more preliminarily compiled electronic documents, receiving an electronic signature indicating approval of at least one of the preliminarily compiled electronic documents by the first party, maintaining one or more financing terms associated with the loan, outputting electronic closing documents for the loan that comprise the at least one preliminary compiled electronic document with an electronic signature, and one or more documents sufficient to contractually bind the first party to the loan.
摘要翻译：提供一种便利关闭贷款的系统，方法和计算机产品。在一个实施例中，该方法包括接收贷款的交易信息，将交易信息存储在存储器中，用至少一些交易信息预先编译一个或多个电子文档，输出供第一方审阅贷款，一个或多个初步编制的电子文件，接收由第一方指示批准至少一个初步编制的电子文件的电子签字，维持与该贷款相关联的一个或多个融资条件，输出用于贷款的电子关闭文件，至少一个具有电子签名的初步编制的电子文件，以及足以将第一方合同约束到贷款的一个或多个文件。

136. 发明授权

US08108224B2 Method and system of identifying potential under reporters to monitor compliance in reporting unclaimed property 有权
标题翻译：识别记者潜力的方法和制度，以监测报告无人认领财产的合规性
公开(公告)号：US08108224B2
公开(公告)日：2012-01-31
申请号：US11015889
申请日：2004-12-17
申请人： Nancy A. Froude , Stephen J. Galvin , Jeremy D. Katz , Lynden D. Lyman , Robert B. Martens , Vincent P. O'Rorke, legal representative , Kenneth J. Weeks , David P. Whiteside
发明人： Nancy A. Froude , Stephen J. Galvin , Jeremy D. Katz , Lynden D. Lyman , Robert B. Martens , Kenneth J. Weeks , David P. Whiteside
IPC分类号： G06Q10/00
CPC分类号： G06Q10/10 , G06Q20/10 , G06Q20/207 , G06Q20/209 , G06Q20/3676 , G06Q30/018 , G06Q30/0224 , G06Q30/0225 , G06Q30/0607 , G06Q40/12 , G06Q40/123 , G06Q40/128
摘要： Methods, apparatus and computer program products are provided for monitoring compliance in reporting unclaimed property. The method is capable of identifying both potential non-reporters and potential under-reporters. In this regard, potential under-reporters may be identified as a result of a multilevel review that may take into account the recent reporting history, both in terms of frequency and the type and quantity of unclaimed property that has been reported. The potential non-reporters and potential under-reporters may then be further evaluated, such as by means of an audit or other follow up procedure, to insure compliance.
摘要翻译：提供方法，设备和计算机程序产品，用于监测报告无人认领财产的合规性。该方法能够识别潜在的非记者和潜在的记者。在这方面，潜在的记者可能被认定为多层次审查的结果，可能会考虑到最近的报告历史，无论是频率，已报告的无人认领财产的类型和数量。然后，可能会对潜在的非记者和潜在的记者进行进一步评估，例如通过审计或其他后续程序来确保合规性。

137. 发明申请

US20110258120A1 METHOD AND APPARATUS FOR SECURE ACCESS, PAYMENT AND IDENTIFICATION 有权
标题翻译：安全访问，付款和识别的方法和装置
公开(公告)号：US20110258120A1
公开(公告)日：2011-10-20
申请号：US13168556
申请日：2011-06-24
申请人： Kenneth P. Weiss
发明人： Kenneth P. Weiss
IPC分类号： H04L9/32 , G06F21/00 , G06Q40/00
CPC分类号： G06Q20/40145 , G06F21/32 , G06F21/35 , G06F21/6245 , G06F2221/2115 , G06Q20/3676 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/02 , G06Q50/22 , G07C9/00087 , G07C9/00103 , G07C2009/00095 , H04L9/0891 , H04L9/3231 , H04L9/3247 , H04L9/3271 , H04L63/0442 , H04L63/068 , H04L63/08 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04L63/10 , H04L2209/56 , H04L2209/805 , H04W12/02 , H04W12/06
摘要： According to one aspect, the invention provides a system for authenticating identities of a plurality of users. In one embodiment, the system includes a first handheld device including a wireless transceiver which is configured to transmit authentication information, a second device including a wireless receiver, where the second device is configured to receive the authentication information.
摘要翻译：根据一方面，本发明提供了一种用于认证多个用户的身份的系统。在一个实施例中，系统包括第一手持设备，其包括被配置为发送认证信息的无线收发器，包括无线接收器的第二设备，其中第二设备被配置为接收认证信息。

138. 发明申请

US20110218909A1 TRANSACTION VELOCITY COUNTING FOR FRAUD DETECTION 有权
标题翻译：交易速度计算器用于欺诈检测
公开(公告)号：US20110218909A1
公开(公告)日：2011-09-08
申请号：US13108989
申请日：2011-05-17
申请人： Jim Collins , Avinash Kalgi , John Medlong , Paul Lisagor
发明人： Jim Collins , Avinash Kalgi , John Medlong , Paul Lisagor
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q10/025 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/206 , G06Q20/3676 , G06Q20/40 , G06Q20/405 , G06Q30/0185 , G06Q40/00 , G06Q40/025 , G06Q40/12 , G06Q50/22 , Y10S707/99931 , Y10S707/99936
摘要： Methods and systems for detecting fraud based on velocity counts are disclosed.
摘要翻译：公开了基于速度计数检测欺诈的方法和系统。

139. 发明授权

US07946482B2 Electronic money paying-in system 失效
标题翻译：电子货币付款系统
公开(公告)号：US07946482B2
公开(公告)日：2011-05-24
申请号：US12279378
申请日：2007-01-17
申请人： Naoto Matsumoto , Yasunari Nakajima , Tomonobu Kameda
发明人： Naoto Matsumoto , Yasunari Nakajima , Tomonobu Kameda
IPC分类号： G06K5/00
CPC分类号： G06Q20/04 , G06Q20/1085 , G06Q20/3676
摘要： The present invention provides an electronic money paying-in system that can easily update information used for an electronic money paying-in process. As the present invention is provided with an electronic money management server for acquiring a paying-in amount that has been input to an electronic money charger and also sending a paying-in processing command for adding the paying-in amount to an electronic money balance on an IC card to the IC card via the electronic money charger, it needs to store information used for processing of depositing electronic money like the paying-in processing command only in the electronic money management server and it can easily update the information used for an electronic money paying-in process just by performing maintenance on the server. Therefore, as the information used for an electronic money paying-in process can be easily updated, maintenance operation can be easily performed on the electronic money charger.
摘要翻译：本发明提供一种电子货币付款系统，其可以容易地更新用于电子货币付款过程的信息。本发明提供一种电子货币管理服务器，用于获取已经输入到电子货币充电器的付款金额，并且还发送用于将付款金额添加到电子货币余额的付款处理命令通过电子货币充电器到IC卡的IC卡，需要仅在电子货币管理服务器中存储用于处理存入电子货币的信息，如付款处理命令，并且可以容易地更新用于电子货币的信息只需通过在服务器上执行维护即可支付费用。因此，由于可以容易地更新用于电子货币付款处理的信息，因此可以容易地对电子货币充电器执行维护操作。

140. 发明授权

US07908218B2 Terminal device, accounting system and data processing method 有权
标题翻译：终端设备，会计系统和数据处理方法
公开(公告)号：US07908218B2
公开(公告)日：2011-03-15
申请号：US09923618
申请日：2001-08-07
申请人： Fumitake Yodo
发明人： Fumitake Yodo
IPC分类号： G05F21/00
CPC分类号： G07F7/08 , G06Q20/00 , G06Q20/085 , G06Q20/28 , G06Q20/3676 , G06Q20/382 , G06Q20/4037 , G06Q30/04 , G06Q30/0601 , G06Q30/0641 , G06Q40/02 , G06Q40/12 , G06Q40/123
摘要： This invention relates to a terminal device capable of communicating with an accounting center, an accounting system, and a data processing method. A point memory 45 of a recording/reproducing device 10 stores accounting point information. An HDD 15 stores information distributed from an external source. A CPU 11 updates the accounting point information stored in the point memory 45 and updates attributes of the distributed information when the distributed information is stored onto the HDD 15. Thus, such inconvenience that communication with a distribution/accounting center 1 is carried out every time information is distributed to the recording/reproducing device 10 is avoided.
摘要翻译：本发明涉及能够与会计中心通信的终端装置，计费系统和数据处理方法。记录/再现装置10的点存储器45存储会计点信息。 HDD15存储从外部源分发的信息。当分配的信息被存储到HDD 15上时，CPU 11更新存储在点存储器45中的计费点信息，并且更新分布式信息的属性。因此，每次都执行与分发/计费中心1的通信的不便信息被分发到记录/再现装置10被避免。

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