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1. 发明授权

US06510983B2 System and method for transferring value to a magnetic stripe on a transaction card 失效
标题翻译：将价值转移到交易卡上的磁条的系统和方法
公开(公告)号：US06510983B2
公开(公告)日：2003-01-28
申请号：US09109372
申请日：1998-07-02
申请人： Edward Horowitz , Joseph C. Kawan , Henry Lichstein
发明人： Edward Horowitz , Joseph C. Kawan , Henry Lichstein
IPC分类号： G06K500
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/26 , G06Q20/341 , G06Q20/3437 , G06Q20/357 , G06Q20/3572 , G06Q20/363 , G06Q20/382 , G06Q20/4037 , G07F7/02 , G07F7/08 , G07F7/0886 , G07F11/002
摘要： The present invention discloses a system and method enabling value stored in an advanced technology memory on a transaction card to be utilized in a magnetic stripe transaction with the card. The invention provides a special transaction number that is encrypted and recorded on the magnetic stripe of the card. The special transaction number comprises the value to be transferred or transaction amount, a personal identification number (“PIN”), and an account number. The special transaction number is recorded in a non-discretionary data field. Further, an indicator character may also be recorded on the magnetic stripe to alert a host system of a financial institution of the existence of the special transaction number. Thus, the special transaction number is read during a magnetic stripe transaction and the value represented by the special transaction number may be utilized to perform the transaction.
摘要翻译：本发明公开了一种能够将存储在交易卡上的高级技术存储器中的值用于与该卡的磁条交易中的系统和方法。本发明提供了一种加密并记录在卡的磁条上的特殊交易号码。特殊交易号码包括要转移的价值或交易金额，个人识别号码（“PIN”）和帐号。特殊交易号码记录在非自由数据字段中。此外，指示符字符也可以记录在磁条上，以向金融机构的主机系统提醒特殊交易号码的存在。因此，在磁条交易期间读取特殊交易号码，并且可以利用由特殊交易号码表示的值来执行交易。

2. 发明授权

US06349290B1 Automated system and method for customized and personalized presentation of products and services of a financial institution 有权
标题翻译：自动化系统和方法，用于定制和个性化呈现金融机构的产品和服务
公开(公告)号：US06349290B1
公开(公告)日：2002-02-19
申请号：US09337014
申请日：1999-06-30
申请人： Edward Horowitz , Mark Ambrose , Michael Fetta , Steve Hakim , Michael Kaufman , David Robinson
发明人： Edward Horowitz , Mark Ambrose , Michael Fetta , Steve Hakim , Michael Kaufman , David Robinson
IPC分类号： G06F1700
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q20/403 , G06Q40/00
摘要： An automated system and method for presenting both interactive and proactive customized and personalized advice for a customer by a financial institution is based on a sophisticated customer profile generated by the system according to an analysis of the customer from a totality of the customer's interaction with the system. The system includes, for example, an advice engine, which is primarily software, that considers numerous sets of system logic, such as legal constraints and statistical facts that affect the customer, and generates the advice. The system also includes a presentation engine which varies the presentation, depending in part on the mode by which the customer accesses the system, but regardless of the mode, presents the advice to the customer in an individualized manner. Additionally, the system includes a context assessment engine, which examines the context of the interaction between the customer and the system and assesses the effectiveness of the advice.
摘要翻译：用于向金融机构呈现客户的交互式和主动定制和个性化建议的自动化系统和方法基于由系统根据客户与系统的整体交互的分析而生成的复杂的客户简档。该系统包括例如主要是软件的咨询引擎，该引擎考虑了许多系统逻辑集合，例如影响客户的法律约束和统计事实，并且生成建议。该系统还包括一个演示引擎，它可以根据客户访问系统的模式而不同的方式改变演示，而不管模式如何，以个性化的方式向顾客呈现建议。此外，该系统还包括一个上下文评估引擎，它检查客户与系统之间交互的上下文，并评估该建议的有效性。

3. 发明授权

US5963647A Method and system for transferring funds from an account to an individual 失效
标题翻译：将资金从账户转入个人的方法和制度
公开(公告)号：US5963647A
公开(公告)日：1999-10-05
申请号：US877203
申请日：1997-06-17
申请人： John Downing , William M. Hernandez , William D. Hooper , Netty Meiroff , Jaithirth Rao , Rodman Reef , Howard A. Schechtman , Edward Horowitz
发明人： John Downing , William M. Hernandez , William D. Hooper , Netty Meiroff , Jaithirth Rao , Rodman Reef , Howard A. Schechtman , Edward Horowitz
IPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/38 , G06Q20/40 , G06Q40/00 , G07F19/00 , H04L9/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/108 , G06Q20/1085 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G07F19/20
摘要： Disclosed is a system and method for transferring funds. The invention supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both customers and non-customers. Access is achieved by the recipient entering a codeword selected by the sender, along with a transaction code randomly generated by the system. Once the sender provides the codeword and the transaction code to the recipient, the recipient can receive transferred cash through an ATM, even without using a card to access the system. Cash may be transferred across international borders and dispensed in a currency different than that of the sender's source account. Although cash is made available to a recipient virtually as soon as the requested transfer is approved and confirmed by the sender, the sender's account is not debited until the cash is actually received by the recipient. Other features, including security, cancellation, and status inquiries are also described.
摘要翻译：披露了一种用于转移资金的系统和方法。本发明支持从源帐户到现金访问文件的资金转移，客户和非客户每天可以访问几乎24小时。访问由接收者输入由发送者选择的码字以及由系统随机生成的事务代码来实现。一旦发送者向接收方提供了代码字和交易代码，收件人即使没有使用卡来访问系统，也可以通过ATM接收转移的现金。现金可以通过国际边界转移，并以与发件人来源账户不同的货币进行分配。尽管现金可以在收到要求的转让通过发件人批准和确认后立即向收件人提供，但是发件人的帐户没有被扣除，直到收款人实际收到现金为止。还描述了其他功能，包括安全性，取消和状态查询。

4. 发明申请

US20070186251A1 Emergency satellite network 审中-公开
标题翻译：紧急卫星网络
公开(公告)号：US20070186251A1
公开(公告)日：2007-08-09
申请号：US11346638
申请日：2006-02-03
申请人： Edward Horowitz , Robert Phelan , Christopher Kean
发明人： Edward Horowitz , Robert Phelan , Christopher Kean
IPC分类号： H04N7/16
CPC分类号： H04N7/17318 , H04L41/0803 , H04L41/0896 , H04L43/00 , H04L43/0882 , H04N21/222 , H04N21/2404 , H04N21/2405 , H04N21/6143 , H04N21/6193 , H04N21/814 , H04N21/8146
摘要： An emergency satellite communications system that provides remote sites with assured access. The network is provisioned, configured, and managed such that the remote units are always online, but not used to an extent that would prevent remote units from communicating via the network upon demand. The network may include geographic hub diversity to protect against hub failure. Proactive monitoring of the components comprising the network is used to mitigate or prevent network congestion, such as by load balancing. An overflow link may be provided, allowing for remote sites to be assigned from a first link to the overflow link to mitigate or prevent congestion on the first link, and/or allow for additional bandwidth to be allocated to one or more remote sites that remain on the first link. A satellite communication network may comprise a satellite and a network management system operative in controlling and managing a plurality of first and second terminals. A first earth station may be communicatively coupled to one or more terrestrial communications networks, where the first earth station provides a first communication link via the satellite for bidirectional communication between the first earth station and the plurality of first terminals assigned to the first earth station by the network management system. A second earth station may be geographically diverse from the first earth station and is communicatively coupled to at least one terrestrial communications network. The second earth station may provide a second communication link via the satellite for bidirectional communication between the second earth station and the plurality of second terminals assigned to the second earth station by the network management system.
摘要翻译：紧急卫星通信系统，为远程站点提供有保证的访问。网络被配置，配置和管理，使得远程单元始终处于在线状态，但不会被使用，从而防止远程单元通过网络进行通信。网络可以包括地理集线器分集以防止集线器故障。包括网络的组件的主动监视用于减轻或防止网络拥塞，例如通过负载平衡。可以提供溢出链路，允许将远程站点从第一链路分配给溢出链路以减轻或防止第一链路上的拥塞，和/或允许将额外的带宽分配给保留的一个或多个远程站点在第一个链接。卫星通信网络可以包括卫星和网络管理系统，其操作以控制和管理多个第一和第二终端。第一地球站可以通信地耦合到一个或多个地面通信网络，其中第一地球站经由卫星提供第一通信链路，用于通过分配给第一地球站的第一地球站与多个第一终端之间的双向通信，由第网络管理系统。第二地球站可以在地理上与第一地球站不同，并且通信地耦合到至少一个地面通信网络。第二地球站可以经由卫星提供第二通信链路，用于通过网络管理系统在第二地球站与分配给第二地球站的多个第二终端之间进行双向通信。

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