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1. 发明申请

US20100076812A1 BUSINESS PERFORMANCE MEASUREMENTS 审中-公开
标题翻译：业务性能测量
公开(公告)号：US20100076812A1
公开(公告)日：2010-03-25
申请号：US12236952
申请日：2008-09-24
申请人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
发明人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
IPC分类号： G06Q90/00
CPC分类号： G06Q30/02 , G06Q30/0204
摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing a performance-measuring network for measuring the performance of a business-merchant relative to other business-merchants competing in the same or similar markets. For example, the performance-measuring network collects transaction data from a large number of different business-merchants. The performance-measuring network then assigns each of the different business-merchants to one or more peer groups. Each peer group consists of business-merchants that compete in the same or similar markets. For example, each peer group consists of business-merchants that sell similar products and/or services in the same geographic markets. After collecting transaction data and creating peer groups, the performance-measuring network measures the performance of a specific business-merchant by comparing the transaction data of the specific business-merchant to the transaction data of the other business-merchants that are assigned to the same peer group(s) as the specific business-merchant.
摘要翻译：本发明的实施例涉及用于提供用于衡量商业商家相对于在相同或类似市场中竞争的其他商家的业绩的性能测量网络的系统，方法和计算机程序产品。例如，性能测量网络从大量不同的商业商家收集交易数据。然后，性能测量网络将不同的商业商家分配给一个或多个对等组。每个同行小组由在相同或类似市场上竞争的商家组成。例如，每个同行群体由在相同地理市场上销售类似产品和/或服务的商业商人组成。在收集交易数据和创建对等组之后，性能测量网络通过将特定商家商家的交易数据与分配给其的其他商家的交易数据进行比较来衡量特定商家商家的表现对等组作为具体的商业商家。

2. 发明授权

US08417561B2 Market dynamics 有权
标题翻译：市场动态
公开(公告)号：US08417561B2
公开(公告)日：2013-04-09
申请号：US12236982
申请日：2008-09-24
申请人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
发明人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0205
摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing a market-dynamics network that assesses social and economic market dynamics in specific geographic regions. For example, the market-dynamics network collects transaction data from a large number of business-merchants across a large number of geographic locations and appends geographic-location identifiers to the collected transaction data. The market-dynamics network then aggregates transaction data in specific geographic regions and, based on the aggregated transaction data, assesses social and economic market dynamics in those geographic regions.
摘要翻译：本发明的实施例涉及用于提供评估特定地理区域中的社会和经济市场动态的市场动态网络的系统，方法和计算机程序产品。例如，市场动态网络从大量地理位置的大量业务商收集交易数据，并将地理位置标识符附加到收集的交易数据。然后，市场动态网络将特定地理区域的交易数据进行汇总，并根据汇总交易数据评估这些地理区域的社会和经济市场动态。

3. 发明申请

US20100076813A1 MARKET DYNAMICS 有权
标题翻译：市场动态
公开(公告)号：US20100076813A1
公开(公告)日：2010-03-25
申请号：US12236982
申请日：2008-09-24
申请人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
发明人： Debashis Ghosh , Kurt Newman , David Joa , Timothy J. Bendel
IPC分类号： G06Q10/00 , G06F17/30
CPC分类号： G06Q30/02 , G06Q30/0205
摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing a market-dynamics network that assesses social and economic market dynamics in specific geographic regions. For example, the market-dynamics network collects transaction data from a large number of business-merchants across a large number of geographic locations and appends geographic-location identifiers to the collected transaction data. The market-dynamics network then aggregates transaction data in specific geographic regions and, based on the aggregated transaction data, assesses social and economic market dynamics in those geographic regions.
摘要翻译：本发明的实施例涉及用于提供评估特定地理区域中的社会和经济市场动态的市场动态网络的系统，方法和计算机程序产品。例如，市场动态网络从大量地理位置的大量业务商收集交易数据，并将地理位置标识符附加到收集的交易数据。然后，市场动态网络将特定地理区域的交易数据进行汇总，并根据汇总的交易数据评估这些地理区域的社会和经济市场动态。

4. 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。

5. 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。

6. 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.

7. 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。

8. 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。

9. 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。

10. 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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