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31. 发明申请

US20100250338A1 TRANSACTION RECURRENCE ENGINE 有权
标题翻译：交易循环发动机
公开(公告)号：US20100250338A1
公开(公告)日：2010-09-30
申请号：US12430475
申请日：2009-04-27
申请人： Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , Debashis Ghosh , Thayer S. Allison, JR. , Kurt D. Newman , David Joa
发明人： Sudeshna Banerjee , Shiba Madaan , Sreedevi Gummuluri , Debashis Ghosh , Thayer S. Allison, JR. , Kurt D. Newman , David Joa
IPC分类号： G06Q10/00 , G06T11/20 , G06N5/02 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/20 , G06Q30/0283 , G06Q30/06 , G06Q40/12
摘要： Embodiments of the present invention relate apparatuses and methods that allow a financial institution to monitor, group, and store customer transaction data and determine market information therefrom according to recurrence patterns. For example, in one embodiment a financial institution uses a computerized apparatus to monitor recurrences in financial transactions across a plurality of financial accounts maintained by the financial institution for a plurality of different customers, where the computerized apparatus is configured to automatically track recurrences in transaction data.
摘要翻译：本发明的实施例涉及允许金融机构根据再现模式监视，分组和存储客户交易数据并确定市场信息的装置和方法。例如，在一个实施例中，金融机构使用计算机化设备来监视由金融机构为多个不同客户维护的多个金融账户的金融交易中的复发，其中计算机化设备被配置为自动跟踪交易数据中的复现。

32. 发明申请

US20090063311A1 Adjusted Net Income 审中-公开
标题翻译：调整后的净收入
公开(公告)号：US20090063311A1
公开(公告)日：2009-03-05
申请号：US11848963
申请日：2007-08-31
申请人： Thayer S. Allison, JR. , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt Newman
发明人： Thayer S. Allison, JR. , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt Newman
IPC分类号： G06Q40/00 , G06F17/40
CPC分类号： G06Q40/02 , G06Q40/12
摘要： Techniques for enhanced assessment of the business value of an account and/or customer are disclosed. An adjusted net income value outputted by a system may be used by a financial institution, such as a bank, mortgage broker, lender, or credit card company, to better assess the business value and/or profitability of an account. For accounts that are delinquent at the end of an observation period, the adjusted net income value is equal to the net income minus the percentage of the past due balance that is predicted to get charged off. The percentage of the past due balance that is predicted to get charged off relates to the number of days the account has been delinquent.
摘要翻译：披露了增强对账户和/或客户业务价值评估的技术。系统输出的调整后的净收入值可以由金融机构（如银行，抵押贷款经纪人，贷方或信用卡公司）使用，以更好地评估账户的业务价值和/或盈利能力。对于在观察期结束时拖欠的账户，调整后的净收入等于净收入减去预计被扣除的过去期末余额的百分比。预计被扣除的过去应付余额的百分比与帐户被拖欠的天数相关。

33. 发明授权

US09196111B1 Automated teller machine (“ATM”) dynamic keypad 有权
标题翻译：自动取款机（“ATM”）动态键盘
公开(公告)号：US09196111B1
公开(公告)日：2015-11-24
申请号：US12983929
申请日：2011-01-04
申请人： Kurt D. Newman , Timothy J. Bendel , Rustam N. Wadia , Debashis Ghosh , David Joa
发明人： Kurt D. Newman , Timothy J. Bendel , Rustam N. Wadia , Debashis Ghosh , David Joa
IPC分类号： G06F7/04 , G07F7/10 , G07F19/00 , G06F3/048 , G06F3/0488 , G06F3/0481 , G06Q20/10 , G06F21/31 , G06F21/36
CPC分类号： G06F3/04886 , G06F3/048 , G06F3/04817 , G06F3/0488 , G06F21/31 , G06F21/36 , G06F21/83 , G06Q20/10 , G06Q20/1085 , G07F7/10 , G07F7/1016 , G07F7/1041 , G07F19/20
摘要： Systems and methods according to the present invention provide a more secure Automated Teller Machine (ATM) transaction by preventing observation of banking customers' Personal Identification Number (PIN). Such systems and methods make it difficult to obtain a customer's PIN by tracking the hand movement of a customer using an ATM. Inputs presented for a customer selection are preferably dynamically displayed in different locations preferably each time the customer is asked to enter a PIN. Dynamically changing the sequence of the display and/or location of the presented inputs reduces the possibility of mapping the hand movement of the customer to the positions of the inputs displayed for a customer selection. Inputs may also be presented at a very narrow viewing angle, thereby making observation of a PIN difficult. Hence, banking customers are preferably provided with a more robust and secured ATM transaction system.
摘要翻译：根据本发明的系统和方法通过防止观察银行客户的个人识别码（PIN）来提供更安全的自动柜员机（ATM）交易。这样的系统和方法使得使用ATM跟踪客户的手部移动难以获得客户的PIN。为客户选择呈现的输入优选地在每次客户被要求输入PIN时动态显示在不同的位置。动态地改变所呈现的输入的显示和/或位置的顺序减少了将客户的手移动映射到为客户选择显示的输入的位置的可能性。输入也可以以非常窄的视角呈现，从而难以观察PIN。因此，银行客户优选地具有更强大和安全的ATM交易系统。

34. 发明授权

US08489887B1 Biometric authentication for video communication sessions 有权
公开(公告)号：US08489887B1
公开(公告)日：2013-07-16
申请号：US12347838
申请日：2008-12-31
申请人： Kurt D. Newman , Debashis Ghosh , Michael James O'Hagan , David Joa , Timothy J. Bendel
发明人： Kurt D. Newman , Debashis Ghosh , Michael James O'Hagan , David Joa , Timothy J. Bendel
IPC分类号： G06F21/00
CPC分类号： H04L63/0861 , H04L9/3231 , H04L12/1818 , H04L65/403 , H04N7/15 , H04N21/25875 , H04N21/42203 , H04N21/4223 , H04N21/4415 , H04N21/4788
摘要： Systems and methods for integrating biometric authentication with video conference sessions are described. An individual seeking to participate in a video conference may first be identified with a biometric parameter such as an iris scan based on a comparison of the scanned iris with a database of stored parameters. If authorized, the system may connect the individual to the video session. In addition, the system may generate dynamic tags that allow the participants to identify and locate individuals in the video conference. For example, if one of the participants is speaking and moving within the room, her tag may change color and move with her on the video screen.

35. 发明申请

US20130179254A1 USING USER EXPRESSIONS OF INTEREST TO DEEPEN USER RELATIONSHIP 审中-公开
标题翻译：利用用户表达深度用户关系
公开(公告)号：US20130179254A1
公开(公告)日：2013-07-11
申请号：US13346679
申请日：2012-01-09
申请人： David Joa , Debashis Ghosh , Thomas Mann
发明人： David Joa , Debashis Ghosh , Thomas Mann
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02
摘要： Embodiments of the invention are directed to collecting one or more expressions of interest from a user, where the one or more expressions of interest indicating potential interest in one or more financial products or financial services. Then, using a processing device, an interest index is calculated based at least in part on the collected one or more expressions of interest from the user. The interest index is configured to quantify a level of interest expressed by the user for one or more financial products or financial services. Next, based at least in part on the interest index, a level of engagement for deepening a relationship with the user is determined. Finally, one or more offline marketing efforts for deepening the relationship with the user are initiated based on the determined level of engagement.
摘要翻译：本发明的实施例旨在从用户收集一个或多个感兴趣的表达，其中一个或多个兴趣表达表示一个或多个金融产品或金融服务中的潜在兴趣。然后，使用处理装置，至少部分地基于所收集的一个或多个来自用户的感兴趣的表达式计算兴趣索引。利息指数被配置为量化用户对一个或多个金融产品或金融服务表达的兴趣水平。接下来，至少部分地基于兴趣指数，确定用于加深与用户的关系的参与度。最后，基于确定的参与级别来启动用于深化与用户的关系的一个或多个离线营销努力。

36. 发明授权

US08306894B2 Economic intelligence 有权
标题翻译：经济情报
公开(公告)号：US08306894B2
公开(公告)日：2012-11-06
申请号：US12430510
申请日：2009-04-27
申请人： Kurt Newman , Debashis Ghosh , David Joa , Tim Bendel , Mark Krein , Aaron Lai
发明人： Kurt Newman , Debashis Ghosh , David Joa , Tim Bendel , Mark Krein , Aaron Lai
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00
摘要： Aspects of the invention provide for the use of transactional data in the calculation of sub-scores that may be used in an index score. The sub-scores may include an account sub-score, an investment sub-score, and/or a discretionary sub-score. One or more sub-scores that represent an individual, an entity, or an economic sector may be used to create an index. Further aspects relate to calculating novel indices that more accurately represent and/or predict economic conditions.
摘要翻译：本发明的方面提供了在计算可用于指数得分的分数的事务数据的使用。子分数可以包括帐户子分数，投资子分数和/或酌情子分数。代表个人，实体或经济部门的一个或多个子分数可用于创建索引。其他方面涉及计算更精确地表示和/或预测经济状况的新指标。

37. 发明申请

US20110320543A1 Analyzing News Content Information 有权
标题翻译：分析新闻内容信息
公开(公告)号：US20110320543A1
公开(公告)日：2011-12-29
申请号：US12824981
申请日：2010-06-28
申请人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
发明人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
IPC分类号： G06F15/16
CPC分类号： G06F17/30719 , G06F17/2229 , G06F17/2785 , G06F17/30867 , G06Q10/10 , G06Q50/01
摘要： A system and method for analyzing news content information is disclosed. In a particular embodiment, the method includes receiving a first electronic data from a first news source, wherein the first electronic data is associated with a particular news event and receiving a second electronic data from a second news source, wherein the second electronic data is associated with the particular news event. The method also includes comparing the first and second electronic data and based on the comparison, assigning a numerical value to at least one of the first and second electronic data. The method further includes based on the numerical value assigned to at least one of the first and second electronic data, generating a third electronic data and transmitting the third electronic data to a user.
摘要翻译：公开了一种用于分析新闻内容信息的系统和方法。在特定实施例中，该方法包括从第一新闻源接收第一电子数据，其中第一电子数据与特定新闻事件相关联，并从第二新闻源接收第二电子数据，其中第二电子数据被关联与特定的新闻事件。该方法还包括比较第一和第二电子数据，并且基于比较，将数值分配给第一和第二电子数据中的至少一个。该方法还包括基于分配给第一和第二电子数据中的至少一个的数值，产生第三电子数据并将第三电子数据发送给用户。

38. 发明申请

US20110099191A1 Systems and Methods for Generating Results Based Upon User Input and Preferences 审中-公开
标题翻译：基于用户输入和偏好生成结果的系统和方法
公开(公告)号：US20110099191A1
公开(公告)日：2011-04-28
申请号：US12607383
申请日：2009-10-28
申请人： Debashis Ghosh , Kurt Newman , David Joa , Sudipta Chaki
发明人： Debashis Ghosh , Kurt Newman , David Joa , Sudipta Chaki
IPC分类号： G06F17/30
CPC分类号： G06Q10/00
摘要： A method and system for generating search results, comprising submitting a first search query for searching a first level database that yields high level aggregated classifications, and obtaining high level aggregated classifications based upon the first search query. The submission of a second search query based upon the high legal aggregated classifications of the first search query, and obtaining focused results based upon the second search query.
摘要翻译：一种用于生成搜索结果的方法和系统，包括提交用于搜索产生高级聚合分类的第一级数据库的第一搜索查询，以及基于第一搜索查询获得高级聚合分类。基于第一搜索查询的高合法聚合分类提交第二搜索查询，以及基于第二搜索查询获得关注的结果。

39. 发明授权

US08805937B2 Electronic mail analysis and processing 有权
标题翻译：电子邮件分析和处理
公开(公告)号：US08805937B2
公开(公告)日：2014-08-12
申请号：US12824649
申请日：2010-06-28
申请人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
发明人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
IPC分类号： G06F15/16 , G06Q10/10
CPC分类号： G06Q10/107
摘要： A system and method for electronic mail analysis and processing is disclosed. In one embodiment, the method includes receiving a plurality of electronic mail messages. The method also includes for each of the plurality of electronic mail messages, determining one or more characteristics associated with the respective electronic mail message. Further, the method includes assigning a numerical value to each of the plurality of electronic mail messages based on the determined characteristics and based on the assigned numerical values, selecting one or more of the plurality of electronic mail messages to transmit to a user. The method further includes generating a message based on the selected one or more of the plurality of electronic mail messages and transmitting the generated message to the user.
摘要翻译：公开了一种用于电子邮件分析和处理的系统和方法。在一个实施例中，该方法包括接收多个电子邮件消息。该方法还包括用于多个电子邮件消息中的每一个，确定与各个电子邮件消息相关联的一个或多个特征。此外，该方法包括：基于所确定的特征，并基于所分配的数值，为多个电子邮件消息中的每一个分配数值，选择多个电子邮件消息中的一个或多个以传送给用户。该方法还包括基于所选择的多个电子邮件消息中的一个或多个生成消息，并将生成的消息发送给用户。

40. 发明授权

US08359362B2 Analyzing news content information 有权
标题翻译：分析新闻内容信息
公开(公告)号：US08359362B2
公开(公告)日：2013-01-22
申请号：US12824981
申请日：2010-06-28
申请人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
发明人： Timothy J. Bendel , Debashis Ghosh , David Joa , Kurt D. Newman
IPC分类号： G06F15/16
CPC分类号： G06F17/30719 , G06F17/2229 , G06F17/2785 , G06F17/30867 , G06Q10/10 , G06Q50/01
摘要： In a particular embodiment, a method includes receiving a first electronic data from a first news source, wherein the first electronic data is associated with a particular news event and receiving a second electronic data from a second news source, wherein the second electronic data is associated with the particular news event. The method also includes comparing the first and second electronic data and based on the comparison, assigning a numerical value to at least one of the first and second electronic data. The method further includes based on the numerical value assigned to at least one of the first and second electronic data, generating a third electronic data and transmitting the third electronic data to a user.
摘要翻译：在特定实施例中，一种方法包括从第一新闻源接收第一电子数据，其中所述第一电子数据与特定新闻事件相关联，并从第二新闻源接收第二电子数据，其中所述第二电子数据相关联与特定的新闻事件。该方法还包括比较第一和第二电子数据，并且基于比较，将数值分配给第一和第二电子数据中的至少一个。该方法还包括基于分配给第一和第二电子数据中的至少一个的数值，产生第三电子数据并将第三电子数据发送给用户。

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