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1. 发明申请

US20080270291A1 Customer access solutions architecture 有权
公开(公告)号：US20080270291A1
公开(公告)日：2008-10-30
申请号：US12213171
申请日：2008-06-16
申请人： Kenneth R. Brown , John D'Onofrio , James Ellerbee , Jay Gould , Jennifer Holme , Peter J. Lupario , Umesh Marthi
发明人： Kenneth R. Brown , John D'Onofrio , James Ellerbee , Jay Gould , Jennifer Holme , Peter J. Lupario , Umesh Marthi
IPC分类号： G06Q40/00
CPC分类号： G06Q20/38215 , G06Q20/04 , G06Q20/10 , G06Q20/108 , G06Q20/12 , G06Q40/02 , G06Q40/04 , G06Q99/00
摘要： The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. The solution to this problem set forth in this invention is the creation of a common electronic delivery infrastructure and application deployment environment, exposing an institution's entire portfolio of corporate banking services to its clients at a number of different locations at any time.

2. 发明授权

US07865605B2 Customer access solutions architecture 有权
标题翻译：客户访问解决方案架构
公开(公告)号：US07865605B2
公开(公告)日：2011-01-04
申请号：US12213171
申请日：2008-06-16
申请人： Kenneth R. Brown , John D'Onofrio , James Ellerbee , Jay Gould , Jennifer Holme , Peter J. Lupario , Umesh Marthi
发明人： Kenneth R. Brown , John D'Onofrio , James Ellerbee , Jay Gould , Jennifer Holme , Peter J. Lupario , Umesh Marthi
IPC分类号： G06F13/00
CPC分类号： G06Q20/38215 , G06Q20/04 , G06Q20/10 , G06Q20/108 , G06Q20/12 , G06Q40/02 , G06Q40/04 , G06Q99/00
摘要： The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. The solution to this problem set forth in this invention is the creation of a common electronic delivery infrastructure and application deployment environment, exposing an institution's entire portfolio of corporate banking services to its clients at a number of different locations at any time.
摘要翻译：本发明提供了用于向最终客户端电子传送银行服务的系统和方法，更具体地，使用基于因特网的技术作为暴露这些服务的手段。在本发明中阐述的这个问题的解决方案是创建一个通用的电子交付基础设施和应用程序部署环境，在任何时候将机构的整个企业银行业务组合向多个不同位置的客户公开。

3. 发明授权

US07389355B2 Customer access solutions architecture 有权
标题翻译：客户访问解决方案架构
公开(公告)号：US07389355B2
公开(公告)日：2008-06-17
申请号：US10118923
申请日：2002-04-10
申请人： Kenneth R. Brown , John D'Onofrio , James Ellerbee , Jay Gould , Jennifer Holme , Peter J. Lupario , Umesh Marthi
发明人： Kenneth R. Brown , John D'Onofrio , James Ellerbee , Jay Gould , Jennifer Holme , Peter J. Lupario , Umesh Marthi
IPC分类号： G06F13/00
CPC分类号： G06Q20/38215 , G06Q20/04 , G06Q20/10 , G06Q20/108 , G06Q20/12 , G06Q40/02 , G06Q40/04 , G06Q99/00
摘要： The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. The solution to this problem set forth in this invention is the creation of a common electronic delivery infrastructure and application deployment environment, exposing an institution's entire portfolio of corporate banking services to its clients at a number of different locations at any time.
摘要翻译：本发明提供了用于向最终客户端电子传送银行服务的系统和方法，更具体地，使用基于因特网的技术作为暴露这些服务的手段。在本发明中阐述的这个问题的解决方案是创建一个通用的电子交付基础设施和应用程序部署环境，在任何时候将机构的整个企业银行业务组合向多个不同位置的客户公开。

4. 发明授权

US06385652B1 Customer access solutions architecture 有权
标题翻译：客户访问解决方案架构
公开(公告)号：US06385652B1
公开(公告)日：2002-05-07
申请号：US09292854
申请日：1999-04-16
申请人： Kenneth R. Brown , John D'Onofrio , James Ellerbee , Jay Gould , Jennifer Holme , Peter J. Lupario , Umesh Marthi
发明人： Kenneth R. Brown , John D'Onofrio , James Ellerbee , Jay Gould , Jennifer Holme , Peter J. Lupario , Umesh Marthi
IPC分类号： G06F1300
CPC分类号： G06Q20/38215 , G06Q20/04 , G06Q20/10 , G06Q20/108 , G06Q20/12 , G06Q40/02 , G06Q40/04 , G06Q99/00
摘要： The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. The solution to this problem set forth in this invention is the creation of a common electronic delivery infrastructure and application deployment environment, exposing an institution's entire portfolio of corporate banking services to its clients at a number of different locations at any time.
摘要翻译：本发明提供了用于向最终客户端电子传送银行服务的系统和方法，更具体地，使用基于因特网的技术作为暴露这些服务的手段。在本发明中阐述的这个问题的解决方案是创建一个通用的电子交付基础设施和应用程序部署环境，在任何时候将机构的整个企业银行业务组合向多个不同位置的客户公开。

5. 发明授权

US07949574B2 Personalized interactive network architecture 有权
标题翻译：个性化交互网络架构
公开(公告)号：US07949574B2
公开(公告)日：2011-05-24
申请号：US11947152
申请日：2007-11-29
申请人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
发明人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0613 , G06Q20/108 , G06Q20/382 , G06Q30/02 , G06Q30/0201 , G06Q30/0203 , G06Q30/0204 , G06Q30/0237 , G06Q30/0239 , G06Q30/0251 , G06Q30/0256 , G06Q30/0269 , G06Q30/0271 , G06Q30/0631 , G06Q40/00
摘要： A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/services to present to the user over the communication channel based on the stored information in the knowledge management repository.
摘要翻译：一种用于个性化通过至少一个通信信道进行通信的用户与信息/产品/服务的提供者之间的交互的系统，所述用户具有用于通过所述提供商在所述信道上进行通信的通信设备，所述系统包括用于与所述提供商接口的信道接口信道，用于与信息/产品/服务提供商进行接口的信息/产品/服务接口; 以及耦合到所述信道和信息/产品/服务接口的知识管理系统，所述知识管理系统包括存储有关所述用户的信息的知识管理存储库，通过所述信道与所述用户的交互获得的信息，所述信息包括所述用户和知识管理系统，以及进一步存储关于提供给用户的多个信息/产品/服务的信息;以及个性化引擎，用于决定向用户呈现多个信息/产品/服务中的哪一个基于知识管理库中存储的信息的通信信道。

6. 发明授权

US09978089B2 Personalized interactive network with multiple channels coupled to integrated knowledge management system 有权
公开(公告)号：US09978089B2
公开(公告)日：2018-05-22
申请号：US13326245
申请日：2011-12-14
申请人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
发明人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
IPC分类号： G06Q30/00 , G06Q30/06 , G06Q20/10 , G06Q20/38 , G06Q30/02 , G06Q40/00
CPC分类号： G06Q30/0613 , G06Q20/108 , G06Q20/382 , G06Q30/02 , G06Q30/0201 , G06Q30/0203 , G06Q30/0204 , G06Q30/0237 , G06Q30/0239 , G06Q30/0251 , G06Q30/0256 , G06Q30/0269 , G06Q30/0271 , G06Q30/0631 , G06Q40/00
摘要： Systems and methods provide for personalizing interaction between a provider using a integrated knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to a provider can made via multiple different incoming channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests and selects personalized offers and/or personalized content and/or personalized format presentation to be provided to the users.

7. 发明授权

US08326694B2 Personalized interactive network architecture 有权
标题翻译：个性化交互网络架构
公开(公告)号：US08326694B2
公开(公告)日：2012-12-04
申请号：US13051105
申请日：2011-03-18
申请人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
发明人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0613 , G06Q20/108 , G06Q20/382 , G06Q30/02 , G06Q30/0201 , G06Q30/0203 , G06Q30/0204 , G06Q30/0237 , G06Q30/0239 , G06Q30/0251 , G06Q30/0256 , G06Q30/0269 , G06Q30/0271 , G06Q30/0631 , G06Q40/00
摘要： A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/services to present to the user over the communication channel based on the stored information in the knowledge management repository.
摘要翻译：一种用于个性化通过至少一个通信信道进行通信的用户与信息/产品/服务的提供者之间的交互的系统，所述用户具有用于通过所述提供商在所述信道上进行通信的通信设备，所述系统包括用于与所述提供商接口的信道接口信道，用于与信息/产品/服务提供商进行接口的信息/产品/服务接口; 以及耦合到所述信道和信息/产品/服务接口的知识管理系统，所述知识管理系统包括存储有关所述用户的信息的知识管理存储库，通过所述信道与所述用户的交互获得的信息，所述信息包括所述用户和知识管理系统，以及进一步存储关于提供给用户的多个信息/产品/服务的信息;以及个性化引擎，用于决定向用户呈现多个信息/产品/服务中的哪一个基于知识管理库中存储的信息的通信信道。

8. 发明授权

US07370004B1 Personalized interactive network architecture 有权
标题翻译：个性化交互网络架构
公开(公告)号：US07370004B1
公开(公告)日：2008-05-06
申请号：US09564783
申请日：2000-05-04
申请人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
发明人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0613 , G06Q20/108 , G06Q20/382 , G06Q30/02 , G06Q30/0201 , G06Q30/0203 , G06Q30/0204 , G06Q30/0237 , G06Q30/0239 , G06Q30/0251 , G06Q30/0256 , G06Q30/0269 , G06Q30/0271 , G06Q30/0631 , G06Q40/00
摘要： A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/services to present to the user over the communication channel based on the stored information in the knowledge management repository.
摘要翻译：一种用于个性化通过至少一个通信信道进行通信的用户与信息/产品/服务的提供者之间的交互的系统，所述用户具有用于通过所述提供商在所述信道上进行通信的通信设备，所述系统包括用于与所述提供商接口的信道接口信道，用于与信息/产品/服务提供商进行接口的信息/产品/服务接口; 以及耦合到所述信道和信息/产品/服务接口的知识管理系统，所述知识管理系统包括存储有关所述用户的信息的知识管理存储库，通过所述信道与所述用户的交互获得的信息，所述信息包括所述用户和知识管理系统，以及进一步存储关于提供给用户的多个信息/产品/服务的信息;以及个性化引擎，用于决定向用户呈现多个信息/产品/服务中的哪一个基于知识管理库中存储的信息的通信信道。

9. 发明申请

US20130151349A1 Personalized Interactive Network with Knowledge Management System 审中-公开
标题翻译：具有知识管理系统的个性化互动网络
公开(公告)号：US20130151349A1
公开(公告)日：2013-06-13
申请号：US13761774
申请日：2013-02-07
申请人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
发明人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
IPC分类号： G06Q30/02 , G06Q40/00
CPC分类号： G06Q30/0613 , G06Q20/108 , G06Q20/382 , G06Q30/02 , G06Q30/0201 , G06Q30/0203 , G06Q30/0204 , G06Q30/0237 , G06Q30/0239 , G06Q30/0251 , G06Q30/0256 , G06Q30/0269 , G06Q30/0271 , G06Q30/0631 , G06Q40/00
摘要： Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests. The user requests are serviced in such a manner that they are personalized in multiple aspects to enrich the user's experience.
摘要翻译：公开了用于个性化信息/服务/产品提供者之间的交互的系统和方法，所述信息/服务/产品提供者使用通过多个通信信道跟踪用户和提供者之间交换的数据的知识管理（KM）系统。通过多个不同的渠道，例如通过使用ATM，PDA，手机，访问网站或其他Web设备的计算机，语音应答单元（VRU）等来对信息/服务/产品提供商的用户请求。通过这些多个渠道提交的用户请求被路由到为这些请求提供服务的集成KM系统。用户请求以这样的方式进行服务，使得它们在多个方面被个性化以丰富用户的体验。

10. 发明申请

US20120123824A1 Personalized Interactive Network With Knowledge Management System 审中-公开
标题翻译：具有知识管理系统的个性化互动网络
公开(公告)号：US20120123824A1
公开(公告)日：2012-05-17
申请号：US13326271
申请日：2011-12-14
申请人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
发明人： Ameet Patel , Jennifer Holme , Anthony Caiazzo
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0613 , G06Q20/108 , G06Q20/382 , G06Q30/02 , G06Q30/0201 , G06Q30/0203 , G06Q30/0204 , G06Q30/0237 , G06Q30/0239 , G06Q30/0251 , G06Q30/0256 , G06Q30/0269 , G06Q30/0271 , G06Q30/0631 , G06Q40/00
摘要： Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests. The user requests are serviced in such a manner that they are personalized in multiple aspects to enrich the user's experience.
摘要翻译：公开了用于个性化信息/服务/产品提供者之间的交互的系统和方法，所述信息/服务/产品提供者使用通过多个通信信道跟踪用户和提供者之间交换的数据的知识管理（KM）系统。通过多个不同的渠道，例如通过使用ATM，PDA，手机，访问网站或其他Web设备的计算机，语音应答单元（VRU）等来对信息/服务/产品提供商的用户请求。通过这些多个渠道提交的用户请求被路由到为这些请求提供服务的集成KM系统。用户请求以这样的方式进行服务，使得它们在多个方面被个性化以丰富用户的体验。

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