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1. 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。

2. 发明申请

US20130325574A1 FINANCIAL ACCOUNT RELATED TRIGGER FEATURE FOR OFFERING SERVICE DISCOUNTS 审中-公开
标题翻译：财务账户相关触发功能提供服务折扣
公开(公告)号：US20130325574A1
公开(公告)日：2013-12-05
申请号：US13486680
申请日：2012-06-01
申请人： DAVID JOA , TIMOTHY J. BENDEL , THAYER S. ALLISON, JR. , YANGHONG SHAO , DAVID NEIL JOFFE , NAVEEN G. YERI
发明人： DAVID JOA , TIMOTHY J. BENDEL , THAYER S. ALLISON, JR. , YANGHONG SHAO , DAVID NEIL JOFFE , NAVEEN G. YERI
IPC分类号： G06Q30/02 , G06Q40/02
CPC分类号： G06Q30/02 , G06Q40/02
摘要： Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for marketing service savings opportunities to a customer of one or more accounts of a financial institution. Triggers may be executed to monitor outbound transactions for services. The outbound transactions may be compared to a control. The financial institution may then determine a service savings opportunity offer to present to the customer.
摘要翻译：本文提供了用于生成和维护帐户相关触发器的系统和方法。系统和方法可以用于向金融机构的一个或多个账户的客户销售服务节约机会。可以执行触发器来监视服务的出站事务。可以将对外交易与控件进行比较。然后，金融机构可以确定提供给客户的服务储蓄机会报价。

3. 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.

4. 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。

5. 发明申请

US20090140838A1 INTEGRATION OF FACIAL RECOGNITION INTO CROSS CHANNEL AUTHENTICATION 有权
标题翻译：将通识认证纳入跨渠道认证
公开(公告)号：US20090140838A1
公开(公告)日：2009-06-04
申请号：US11947972
申请日：2007-11-30
申请人： Kurt D. Newman , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Thayer S. Allison, JR.
发明人： Kurt D. Newman , Sudeshna Banerjee , Timothy J. Bendel , Debashis Ghosh , David Joa , Thayer S. Allison, JR.
IPC分类号： G06K9/64
CPC分类号： G07F19/20 , G06Q20/40 , G06Q20/40145 , G07C9/00087 , G07C9/00158 , G07F19/207
摘要： Real time facial images of individuals transacting accounts held in a bank facility are taken following the grant of authorization to the individual to access the account under the bank's required identification protocol, the real time facial images being matched to recorded facial images of account holders maintained by the bank to further authenticate the transacting individual as having authorized account access.
摘要翻译：在根据银行要求的身份认证协议授予个人访问帐户的授权之后，采取在银行设施中持有的个人交易帐户的实时面部图像，实时面部图像与记录的账户持有人的脸部图像相匹配银行进一步认证交易人员具有授权帐户访问权限。

6. 发明申请

US20130325946A1 SYSTEM FOR OPTIMIZING SOCIAL NETWORKING 有权
标题翻译：优化社会网络的系统
公开(公告)号：US20130325946A1
公开(公告)日：2013-12-05
申请号：US13486816
申请日：2012-06-01
申请人： Thayer S. Allison, JR. , Timothy J. Bendel , David Joa , Yanghong Shao , David Neil Joffe , Naveen G. Yeri
发明人： Thayer S. Allison, JR. , Timothy J. Bendel , David Joa , Yanghong Shao , David Neil Joffe , Naveen G. Yeri
IPC分类号： G06F15/16
CPC分类号： G06Q50/01 , G06Q30/0204
摘要： Systems, methods and computer program products are provided for optimizing social networks. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Pluralities of networking opportunities are identified based on the account data. Furthermore, based on the account data triggers may be detected indicating a user's interest in one or more social networking opportunities. The system then offers the user, based at least partially on the detected trigger, the one or more social networking opportunities.
摘要翻译：提供系统，方法和计算机程序产品来优化社交网络。在系统和方法中，接收与用户帐户相关联的帐户数据，并将帐户数据存储在存储装置中。基于帐户数据识别多个网络机会。此外，基于帐户数据，可以检测到触发器，指示用户对一个或多个社交网络机会的兴趣。该系统至少部分地基于检测到的触发器向用户提供一个或多个社交网络机会。

7. 发明申请

US20130325699A1 FINANCIAL ACCOUNT RELATED TRIGGER FEATURE FOR DETECTING CHANGES IN FINANCIAL RATIOS 有权
标题翻译：财务帐目相关触发功能，用于检测财务比率变动
公开(公告)号：US20130325699A1
公开(公告)日：2013-12-05
申请号：US13486739
申请日：2012-06-01
申请人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Srihari Rao Gatpa , Jade Michelle Le Vo-Dinh , David Neil Joffe
发明人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Srihari Rao Gatpa , Jade Michelle Le Vo-Dinh , David Neil Joffe
IPC分类号： G06Q40/02 , G06Q20/10
CPC分类号： G06Q40/10
摘要： Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial institution. Triggers may be executed to monitor financial account ratios. Offers may be triggered based on the account ratios or changes in the account ratios.
摘要翻译：本文提供了用于生成和维护帐户相关触发器的系统和方法。系统和方法可以用于监视金融机构的一个或多个账户。可以执行触发器来监控财务账户比率。可能会根据帐户比例或帐户比例的变化触发优惠。

8. 发明申请

US20130325697A1 PROVIDING POLICY EDUCATION BASED ON TRIGGERS 审中-公开
标题翻译：提供基于触发器的政策教育
公开(公告)号：US20130325697A1
公开(公告)日：2013-12-05
申请号：US13486198
申请日：2012-06-01
申请人： THAYER S. ALLISON, JR. , TIMOTHY J. BENDEL , DAVID JOA , VIKAS MISHRA , YANGHONG SHAO , NAVEEN G. YERI , DAVID NEIL JOFFE
发明人： THAYER S. ALLISON, JR. , TIMOTHY J. BENDEL , DAVID JOA , VIKAS MISHRA , YANGHONG SHAO , NAVEEN G. YERI , DAVID NEIL JOFFE
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q30/0631
摘要： Systems and methods for promoting policy education associated with one or more accounts of a financial institution are provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity subject to regulations based on the account data; and identifies triggers comprising account costs incurred by outbound transactions based on the account activity. The system then informs the user of institutional or governmental policy related to the triggers. In some situations, the system determines when a trigger indicates unavailable funds or that an account has gone to loss and informs the user of policy related to these accounts. In other situations, the system may also provide suggestions or alternatives to address these accounts.
摘要翻译：本文提供了与金融机构的一个或多个账户相关的促进政策教育的系统和方法。系统接收与一个或多个帐户相关联的帐户数据; 将帐户数据存储在存储设备中; 根据账户数据确定符合规定的账户活动; 并根据帐户活动确定出站交易产生的帐户成本。然后，系统向用户通知与触发器相关的机构或政府政策。在某些情况下，系统确定何时触发器指示不可用资金或帐户已损失，并通知用户与这些帐户有关的政策。在其他情况下，系统还可以提供解决这些帐户的建议或替代方案。

9. 发明申请

US20130325604A1 PROVIDING OFFERS IN RESPONSE TO DETERMINATION OF TRIGGERS 审中-公开
标题翻译：提供响应确定触发器的优惠
公开(公告)号：US20130325604A1
公开(公告)日：2013-12-05
申请号：US13486191
申请日：2012-06-01
申请人： NAVEEN G. YERI , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Bibhudatta Jena , Srihari Rao Gatpa , Li Wei , David Neil Joffe
发明人： NAVEEN G. YERI , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Bibhudatta Jena , Srihari Rao Gatpa , Li Wei , David Neil Joffe
IPC分类号： G06Q30/02 , G06Q40/02
CPC分类号： G06Q40/02 , G06Q30/0215
摘要： Systems and methods for providing offers associated with one or more accounts of a financial institution is provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity for at least one of inbound transactions or outbound transactions based on the account data; and identifies triggers comprising opportunities for providing offers based on the account activity. The system then provides an offer to the user based on the trigger. In some embodiments, the trigger is based on inbound transaction but in other embodiments the trigger is based on outbound transactions. The offer can be specifically related to another party associated with the trigger, e.g., the recipient of a payment, or the offer can be based on the time, amount, or location of the trigger. A computer program product is also provided.
摘要翻译：本文提供了用于提供与金融机构的一个或多个账户相关联的提供的系统和方法。系统接收与一个或多个帐户相关联的帐户数据; 将帐户数据存储在存储设备中; 基于帐户数据识别至少一个入站交易或出站交易的帐户活动; 并识别包括基于帐户活动提供优惠的机会的触发器。然后，系统基于触发器向用户提供报价。在一些实施例中，触发器基于入站事务，但在其他实施例中，触发器基于出站事务。报价可以与与触发相关联的另一方（例如，支付的收件人）具体相关，或者报价可以基于触发的时间，数量或位置。还提供了计算机程序产品。

10. 发明申请

US20130325599A1 ACCOUNT REVIEW TRIGGER FEATURE 审中-公开
标题翻译：帐户审查触发功能
公开(公告)号：US20130325599A1
公开(公告)日：2013-12-05
申请号：US13486617
申请日：2012-06-01
申请人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Parul Bajaj , Srihari Rao Gatpa , Li Wei , David Neil Joffe
发明人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Parul Bajaj , Srihari Rao Gatpa , Li Wei , David Neil Joffe
IPC分类号： G06Q30/02
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q40/06
摘要： Systems and methods for reviewing accounts to enhance user relationships and prevent account loss are provided herein. In the systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions.
摘要翻译：本文提供了审查帐户以增强用户关系并防止帐户丢失的系统和方法。在系统和方法中，接收与第一金融机构的一个或多个帐户相关联的账户数据，并将账户数据存储在存储装置中; 基于账户数据识别触发器，其中触发器包括一个或多个交易; 基于一个或多个交易来确定与第二金融机构相关联的一个或多个账户的外部账户活动; 并且基于所识别的外部活动，向与第一金融机构的一个或多个帐户相关联的用户提供产品推荐。系统和方法进一步提供基于一个或多个交易来确定与第一金融机构相关联的一个或多个账户的内部账户使用的转移。

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