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51. 发明申请

US20110213709A1 CUSTOMER AND PURCHASE IDENTIFICATION BASED UPON A SCANNED BIOMETRIC OF A CUSTOMER 审中-公开
标题翻译：基于客户的扫描生物量的客户和采购鉴定
公开(公告)号：US20110213709A1
公开(公告)日：2011-09-01
申请号：US13105989
申请日：2011-05-12
申请人： Kurt D. Newman , Christopher R. Griggs , Joseph A. Giordano , Debashis Ghosh , David Joa , Timothy J. Bendel , Michael James O'Hagan
发明人： Kurt D. Newman , Christopher R. Griggs , Joseph A. Giordano , Debashis Ghosh , David Joa , Timothy J. Bendel , Michael James O'Hagan
IPC分类号： G06Q40/00
CPC分类号： G06K9/00604 , G06F21/32 , G06Q10/06 , G06Q20/20 , G06Q20/40 , G06Q20/40145 , G07C9/00087 , G07F7/1008
摘要： Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer desires to make a purchase with an associated payment amount from an entity. A determination may be made as to whether the identified customer has a default purchase at the entity. Information of an account of the customer to make a purchase may be received and funds in the account may be debited by the associated payment amount. An item corresponding with the purchase based upon the scanned iris may be determined.
摘要翻译：描述用于生物地识别个体以购买产品和/或服务而不需要个人将认证数据输入到系统/设备中的系统和方法。可以进行代表想要进行购买的客户的扫描虹膜的数据。可以根据扫描的虹膜识别客户。可以确定所识别的客户是否希望从实体获得具有相关联的支付金额的购买。可以确定所识别的客户是否在该实体处具有默认购买。可以收到客户进行购买的帐户的信息，并且可以通过相关的支付金额来扣除帐户中的资金。可以确定与基于扫描的虹膜的购买相对应的物品。

52. 发明申请

US20100235271A1 DETERMINATIONS RELATING TO RESOURCE DISTRIBUTION 有权
标题翻译：关于资源分配的决定
公开(公告)号：US20100235271A1
公开(公告)日：2010-09-16
申请号：US12785172
申请日：2010-05-21
申请人： Debashis Ghosh , Yanghong Shao , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa , Marc Douglas Halsted
发明人： Debashis Ghosh , Yanghong Shao , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa , Marc Douglas Halsted
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/04
摘要： Systems and methods that may determine whether to provide a resource to a consumer are disclosed. Further methods may allow distributing resources on an expedited basis or recheck previous determinations to provide a resource. In certain embodiment, resource transactions may be categorized. Illustrative categories may be organized by: investment, a non-investment expenditure, or income. In one embodiment, transactions categorized as non-investment expenditures may be categorized into subcategories, including necessities, discretionary, or debt. Calculations may be performed upon the categorized (and/or sub-categorized data). For example, one or more of the following ratios may be calculated: debt-to-income, investment-to-income, and expenditure-to-income. Ratios may be compared to one or more threshold values. Determinations of the threshold may consider information regarding other individuals' or business' resource transactions.
摘要翻译：公开了可以确定是否向消费者提供资源的系统和方法。进一步的方法可以允许在快速的基础上分配资源或重新检查先前的确定以提供资源。在某些实施例中，资源交易可以被分类。说明性类别可以通过以下方式组织：投资，非投资支出或收入。在一个实施例中，归类为非投资支出的交易可以分为子类别，包括必需品，酌情权或债务。可以对分类（和/或分类数据）执行计算。例如，可以计算以下一个或多个比率：债务与收入，投资与收入以及支出与收入。比率可以与一个或多个阈值进行比较。阈值的确定可以考虑关于其他个人或业务资源交易的信息。

53. 发明授权

US08862512B2 Financial transaction data profile 有权
标题翻译：财务交易数据资料
公开(公告)号：US08862512B2
公开(公告)日：2014-10-14
申请号：US12712862
申请日：2010-02-25
申请人： David Joa , Kerry Cantley , Kurt D. Newman , Debashis Ghosh
发明人： David Joa , Kerry Cantley , Kurt D. Newman , Debashis Ghosh
IPC分类号： G06Q40/00 , G06Q30/02 , G06Q40/02
CPC分类号： G06Q40/02 , G06Q30/0258 , G06Q40/00 , G06Q40/12
摘要： Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile.
摘要翻译：本发明的实施例包括开发金融交易数据简档的方法。金融工具作为图像收到，金融工具包括交易数据。交易数据从金融工具提取并上传到计算机。组织事务数据，使事务数据分组。存储类别以在金融交易简档中呈现给用户。

54. 发明申请

US20120254053A1 On Demand Information Network 审中-公开
标题翻译：按需信息网络
公开(公告)号：US20120254053A1
公开(公告)日：2012-10-04
申请号：US13076037
申请日：2011-03-30
申请人： David Joa , Thomas Wade Mann , Robert Mark Jensen , Kent E. Wenger , Debashis Ghosh
发明人： David Joa , Thomas Wade Mann , Robert Mark Jensen , Kent E. Wenger , Debashis Ghosh
IPC分类号： G06Q99/00 , G06F17/30
CPC分类号： G06F16/215
摘要： A computer system provides a unified view of data for different organizations of a business. The accessed data may be distributed over different data sources that may include a data warehouse, operational databases (e.g., systems of records supporting different functions), production servers, and external data sources. Access to one or more of the data sources may be restricted based on a user profile. Data may also be accessed by directly tapping into the systems of record of a business to potentially reduce the duplication of data and provide the data in a timelier basis. Data may be obtained from the systems of record by pinging selected systems using an application programming interface and may be stored in a computing cloud that is not constrained to a particular physical asset of the business. In addition, the accessed data may be analyzed and presented differently based on the different lines of business.
摘要翻译：计算机系统为企业的不同组织提供统一的数据视图。访问的数据可以分布在可以包括数据仓库，操作数据库（例如，支持不同功能的记录系统），生产服务器和外部数据源的不同数据源上。可以基于用户简档来限制对一个或多个数据源的访问。也可以通过直接利用业务记录系统来访问数据，从而潜在地减少数据的重复并提供更及时的数据。数据可以通过使用应用程序编程接口对选定系统进行ping操作从记录系统中获得，并且可以存储在不限于业务的特定实体资产的计算云中。此外，可以基于不同的业务线分析和呈现所访问的数据。

55. 发明申请

US20120198570A1 Geo-Enabled Access Control 审中-公开
标题翻译：地理启用访问控制
公开(公告)号：US20120198570A1
公开(公告)日：2012-08-02
申请号：US13018936
申请日：2011-02-01
申请人： David Joa , Debashis Ghosh
发明人： David Joa , Debashis Ghosh
IPC分类号： G06F21/00
CPC分类号： G06F21/30 , G06F21/6218 , G06F2221/2111
摘要： Aspects described herein provide methods and systems that monitor mobile data processing devices used for remote access to a computer network or system, and allowing or preventing access to the computer system or network based at least in part on a determined geographical location of the mobile device. Different datasets stored on the network or system might have different geographical limitations associated with each. Different users also might have different geographic access limitations for the same dataset. User location may be based on GPS information associated with the device from which the user is attempting access, based on Wi-Fi, triangulation, or the like, or may be based on a photograph taken by the remote access device contemporaneously with the access request.
摘要翻译：本文描述的方面提供了监视用于远程访问计算机网络或系统的移动数据处理设备以及至少部分地基于确定的移动设备的地理位置来允许或防止对计算机系统或网络的访问的方法和系统。存储在网络或系统上的不同数据集可能具有与每个相关联的不同的地理限制。不同的用户也可能对同一数据集具有不同的地理访问限制。用户位置可以基于与用户正尝试访问的设备相关联的GPS信息，基于Wi-Fi，三角测量等，或者可以基于远程访问设备与访问请求同时拍摄的照片。

56. 发明申请

US20110320542A1 Analyzing Social Networking Information 审中-公开
标题翻译：分析社交网络信息
公开(公告)号：US20110320542A1
公开(公告)日：2011-12-29
申请号：US12824875
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： G06F17/27 , G06F15/16
CPC分类号： G06F17/274 , G06F17/2785 , G06Q50/01
摘要： A system and method for analyzing social networking information is disclosed. In one embodiment, the method comprises receiving a plurality of electronic messages generated by one or more users of a social networking site. The method further includes for each of the plurality of electronic messages, determining one or more characteristics associated with the respective electronic messages. The method also includes for each of the plurality of electronic messages, assigning a numerical value to the electronic message based on the determined characteristics. The method also includes based on the assigned values, selecting one or more of the plurality of electronic messages and generating an electronic message based on the selected one or more electronic messages. The method also includes transmitting the generated electronic message to a user.
摘要翻译：公开了一种用于分析社交网络信息的系统和方法。在一个实施例中，该方法包括接收由社交网站的一个或多个用户生成的多个电子消息。该方法还包括用于多个电子消息中的每一个，确定与各个电子消息相关联的一个或多个特性。该方法还包括对于多个电子消息中的每一个，基于所确定的特性向电子消息分配数值。该方法还包括基于所分配的值，选择多个电子消息中的一个或多个并基于所选择的一个或多个电子消息生成电子消息。该方法还包括将生成的电子消息发送给用户。

57. 发明申请

US20110282788A1 Anonymous Electronic Payment System 审中-公开
标题翻译：匿名电子支付系统
公开(公告)号：US20110282788A1
公开(公告)日：2011-11-17
申请号：US12778274
申请日：2010-05-12
申请人： Thayer S. Allison, JR. , Aaron H. Lai , Debashis Ghosh , David Joa
发明人： Thayer S. Allison, JR. , Aaron H. Lai , Debashis Ghosh , David Joa
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/0457 , G06Q20/12 , G06Q20/18 , G07F19/20
摘要： Systems and methods for autonomous online payments to an individual are described. A request to generate an electronic payment user interface associated with an individual for a transaction to an account associated with an entity is received. One or more individual defined criteria associated with the electronic payment user interface for the transaction is received. An Internet accessible address to the electronic payment user interface is generated. A request input from a payer to access, via the Internet accessible address, the electronic payment user interface associated with the individual is received. An authorization input from the payer to make an electronic payment of monetary funds from an account of the payer to the account of the individual is received, and access by the individual to personally identifiable information of the payer regarding the transaction is prevented.
摘要翻译：描述了对个人进行自动在线支付的系统和方法。接收到将与个人相关联的电子支付用户界面的请求发送到与实体相关联的账户的交易。接收与用于交易的电子支付用户界面相关联的一个或多个单独定义的准则。生成电子支付用户界面的互联网可访问地址。收到来自付款人的通过互联网可访问地址访问与个人相关联的电子支付用户界面的请求。收到付款人从付款人帐户向个人账户进行电子支付的授权投入，并且防止个人对付款人关于交易的个人身份信息的访问。

58. 发明申请

US20110213710A1 IDENTIFICATION OF CUSTOMERS AND USE OF VIRTUAL ACCOUNTS 审中-公开
标题翻译：客户的识别和虚拟帐户的使用
公开(公告)号：US20110213710A1
公开(公告)日：2011-09-01
申请号：US13105998
申请日：2011-05-12
申请人： Kurt D. Newman , Christopher R. Griggs , Joseph A. Giordano , Debashis Ghosh , David Joa , Timothy J. Bendel , Michael James O'Hagan
发明人： Kurt D. Newman , Christopher R. Griggs , Joseph A. Giordano , Debashis Ghosh , David Joa , Timothy J. Bendel , Michael James O'Hagan
IPC分类号： G06Q40/00
CPC分类号： G06K9/00604 , G06F21/32 , G06Q10/06 , G06Q20/20 , G06Q20/40 , G06Q20/40145 , G07C9/00087 , G07F7/1008
摘要： Systems and methods for authorizing an individual for purchasing a product and/or service are described. Monetary funds of a customer of a company may be received into a monetary account of the company at the financial entity. The received monetary funds of the customer may be maintained virtually in a non-monetary account with the non-monetary account value being proportional to the received monetary funds. A determination may be made as to whether an identified customer is authorized to make a purchase with an associated payment amount. The customer may be identified by a scanned iris. Upon determining the identified customer is authorized, the non-monetary account value may be decreased proportional to the associated payment amount.
摘要翻译：描述用于授权个人购买产品和/或服务的系统和方法。公司客户的货币资金可以收到金融机构公司的货币性账户。客户收到的货币资金实际上可以维持在非货币性账户中，非货币账户的金额与收到的货币资金成正比。可以确定所识别的客户是否被授权进行具有相关联的支付金额的购买。客户可能被扫描的虹膜识别。在确定所识别的客户被授权时，非货币账户价值可以与相关联的支付金额成正比地减少。

59. 发明申请

US20110208588A1 FINANCIAL TRANSACTION DATA PROFILE 有权
标题翻译：财务交易数据概况
公开(公告)号：US20110208588A1
公开(公告)日：2011-08-25
申请号：US12712862
申请日：2010-02-25
申请人： David Joa , Kerry Cantley , Kurt D. Newman , Debashis Ghosh
发明人： David Joa , Kerry Cantley , Kurt D. Newman , Debashis Ghosh
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q30/00 , H04N1/04
CPC分类号： G06Q40/02 , G06Q30/0258 , G06Q40/00 , G06Q40/12
摘要： Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile.
摘要翻译：本发明的实施例包括开发金融交易数据简档的方法。金融工具作为图像收到，金融工具包括交易数据。交易数据从金融工具提取并上传到计算机。组织事务数据，使事务数据分组。存储类别以在金融交易简档中呈现给用户。

60. 发明申请

US20100156591A1 Facility Access Integrated With Other Security Systems 有权
标题翻译：与其他安全系统集成的设施访问
公开(公告)号：US20100156591A1
公开(公告)日：2010-06-24
申请号：US12339902
申请日：2008-12-19
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： G06F7/04
CPC分类号： G08B13/2491 , G07C9/00158 , G08B25/008
摘要： Systems and methods for integrating facility access with other security systems are described. An individual seeking access authorization to a facility may be identified with a biometric parameter such as an iris scan. If authorized, the system may allow entry by disabling the alarm system, and a time period for access may be determined based on one or more characteristics associated with the individual. These characteristics may include the functional role of the individual at the facility and/or the location of the facility itself. Moreover, this facility access authorization system may be integrated with a network access authorization system associated with the facility so that when an individual gains access to the facility for a specific time period, the system is also able to determine how long the individual may access its network resources.
摘要翻译：描述了将设施访问与其他安全系统集成的系统和方法。可以用诸如虹膜扫描的生物特征参数来识别寻求对设施的访问授权的个体。如果被授权，系统可以通过禁用报警系统来允许进入，并且可以基于与个人相关联的一个或多个特征来确定访问的时间段。这些特征可能包括个人在设施和/或设施本身的位置的功能作用。此外，该设施访问授权系统可以与与设施相关联的网络访问授权系统集成，使得当个人在特定时间段内访问设施时，系统还能够确定个人可以访问其多长时间网络资源。

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