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41. 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。

42. 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.

43. 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。

44. 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。

45. 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。

46. 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。

47. 发明申请

US20100114659A1 MINING PUBLIC MEDIA FOR CONSUMER RESPONSE INFORMATION 审中-公开
标题翻译：消费者响应信息采购公共媒体
公开(公告)号：US20100114659A1
公开(公告)日：2010-05-06
申请号：US12263561
申请日：2008-11-03
申请人： Kurt D. Newman , Debashis Ghosh , Timothy J. Bendel , David Joa
发明人： Kurt D. Newman , Debashis Ghosh , Timothy J. Bendel , David Joa
IPC分类号： G06Q10/00 , G06Q50/00 , G06Q30/00
CPC分类号： G06Q30/0243 , G06Q30/02 , G06Q30/0256
摘要： Systems and methods for inferring the success or failure of a third-party Marketing Effort Assays (MEAs) from the marketing efforts of that third party which follow up on the MEA are provided. The system may involve identifying Initial MEA Marketing Efforts (IMEs) by the use of keyword analysis, maintaining a database of such marketing efforts, and comparing those IMEs to later-observed follow-up marketing efforts. The system may further involve establishing geographically or demographically similar peer groupings and applying the inferred success or failure of the MEAs in one such peer group member to another such peer group member.
摘要翻译：提供了第三方营销努力测定（MEA）的成功和失败的系统和方法，从在MEA后续的第三方的营销工作。该系统可能涉及通过使用关键字分析来识别初始MEA营销努力（IME），维护这种营销努力的数据库，并将这些IME与后续观察的后续营销工作进行比较。该系统还可以涉及在地理上或人口统计上相似的对等体分组的建立，并且将一个这样的对等体组成员中的MEA的推断的成功或失败应用于另一个这样的对等组成员。

48. 发明授权

US08502644B1 Physical item security: tracking device activation 有权
标题翻译：物理物品安全：跟踪设备激活
公开(公告)号：US08502644B1
公开(公告)日：2013-08-06
申请号：US12362313
申请日：2009-01-29
申请人： Kurt D. Newman , Michael J. O'Hagan , Debashis Ghosh , David Joa , Timothy J. Bendel
发明人： Kurt D. Newman , Michael J. O'Hagan , Debashis Ghosh , David Joa , Timothy J. Bendel
IPC分类号： G08B1/08
CPC分类号： G06Q10/0833 , G06Q10/08
摘要： Embodiments of the present invention relate to systems and methods for tracking an item by concealing a tracking device in the item and activating the tracking device when the item is relocated or accessed without authorization. In particular, according to some embodiments, a system is provided for tracking the geographic location of a physical item that is stored in a controlled area and then later removed from the controlled area. An exemplary system comprises: an inner sensor located proximate to a perimeter of the controlled area; an outer sensor located between the perimeter and the inner sensor; and a tracking device associated with the physical item, wherein the tracking device is triggered when the physical item passes by the inner sensor and then the outer sensor.
摘要翻译：本发明的实施例涉及通过在项目中隐藏跟踪装置来跟踪物品的系统和方法，并且在未经授权重新定位或访问物品时激活跟踪装置。具体地，根据一些实施例，提供了一种用于跟踪存储在受控区域中然后从受控区域中移除的物理物品的地理位置的系统。示例性系统包括：位于受控区域的周边附近的内部传感器; 位于周边和内部传感器之间的外部传感器; 以及与物理物品相关联的跟踪装置，其中当物理物品通过内部传感器然后外部传感器时触发跟踪装置。

49. 发明申请

US20130179255A1 BUILDING AND USING AN INTELLIGENT LOGICAL MODEL OF EFFECTIVENESS OF MARKETING ACTIONS 审中-公开
标题翻译：建立和使用营销行动有效性的智能逻辑模型
公开(公告)号：US20130179255A1
公开(公告)日：2013-07-11
申请号：US13346682
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 receiving one or more triggers associated with a customer of a financial institution, determining, using one or more processing devices running an intelligent logical model, one or more weightings, each of the one or more weightings corresponding to one of the one or more triggers, applying the weighting to each of the one or more triggers resulting in one or more weighted triggers, and determining, based on at least one of the weighted triggers, a marketing action to initiate. In some embodiments, the invention is also directed to initiating the determined marketing action, receiving feedback corresponding with the customer of the financial institution, the feedback also corresponding to the determined marketing action, inputting the customer feedback to the intelligent logical model, and associating the feedback with the one or more triggers and the determined one or more weightings.
摘要翻译：本发明的实施例旨在接收与金融机构的客户相关联的一个或多个触发器，确定使用运行智能逻辑模型的一个或多个处理设备，一个或多个权重，所述一个或多个权重中的每一个对应于一个对所述一个或多个触发器进行加权，对所述一个或多个触发器中的每一个施加加权，导致一个或多个加权触发器，以及基于所述加权触发器中的至少一个来确定要启动的营销动作。在一些实施例中，本发明还涉及发起确定的营销动作，接收与金融机构的客户相对应的反馈，还对应于所确定的营销动作的反馈，将客户反馈输入到智能逻辑模型，并将反馈与一个或多个触发和所确定的一个或多个权重。

50. 发明申请

US20110320541A1 Electronic Mail Analysis and Processing 有权
标题翻译：电子邮件分析与处理
公开(公告)号：US20110320541A1
公开(公告)日：2011-12-29
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
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。

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