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1. 发明授权

US08417625B2 Apparatus and methods for facilitating real estate transactions 有权
标题翻译：促进房地产交易的装置和方法
公开(公告)号：US08417625B2
公开(公告)日：2013-04-09
申请号：US12258511
申请日：2008-10-27
申请人： Sudeshna Bannerjee , Robert Caruso , Michael Kelly , Kim Barbour , Debashis Ghosh , Robert Mauldin , Robert Huber Eshleman , Timothy O'Brien
发明人： Sudeshna Bannerjee , Robert Caruso , Michael Kelly , Kim Barbour , Debashis Ghosh , Robert Mauldin , Robert Huber Eshleman , Timothy O'Brien
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q30/00 , G06Q40/025
摘要： Apparatus and methods for approving financing for the sale of real estate. The apparatus and methods may involve receiving from a seller, or a seller's agent, information regarding the property so that a financial institution can determine a loan amount before the seller is engaged by a buyer. The financial institution may order from vendors documentation and certification desired or required for closing. The financial institution may issue a seal certifying that the financial institution has pre-approved a loan in a stated amount. The amount may be subject to change based on the qualifications of a buyer.
摘要翻译：批准房地产出售融资的手段和方法。该装置和方法可以包括从卖方或卖方代理人接收关于该财产的信息，使得金融机构可以在卖方从事买方之前确定贷款额。金融机构可以从供应商的文件和认证要求或要求关闭。金融机构可以发行印章，证明金融机构已经预先批准了规定金额的贷款。该金额可能会根据买方的资格变更。

2. 发明申请

US20100106639A1 APPARATUS AND METHODS FOR FACILITATING REAL ESTATE TRANSACTIONS 有权
标题翻译：促进房地产交易的手段和方法
公开(公告)号：US20100106639A1
公开(公告)日：2010-04-29
申请号：US12258511
申请日：2008-10-27
申请人： Sudeshna Banerjee , Robert Caruso , Michael Kelly , Kim Barbour , Debashis Ghosh , Robert Mauldin , Robert Huber Eshleman , Timothy O'Brien
发明人： Sudeshna Banerjee , Robert Caruso , Michael Kelly , Kim Barbour , Debashis Ghosh , Robert Mauldin , Robert Huber Eshleman , Timothy O'Brien
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q30/00 , G06Q40/025
摘要： Apparatus and methods for approving financing for the sale of real estate. The apparatus and methods may involve receiving from a seller, or a seller's agent, information regarding the property so that a financial institution can determine a loan amount before the seller is engaged by a buyer. The financial institution may order from vendors documentation and certification desired or required for closing. The financial institution may issue a seal certifying that the financial institution has pre-approved a loan in a stated amount. The amount may be subject to change based on the qualifications of a buyer.
摘要翻译：批准房地产出售融资的手段和方法。该装置和方法可以包括从卖方或卖方代理人接收关于该财产的信息，使得金融机构可以在卖方从事买方之前确定贷款额。金融机构可以从供应商的文件和认证要求或要求关闭。金融机构可以发行印章，证明金融机构已经预先批准了规定金额的贷款。该金额可能会根据买方的资格变更。

3. 发明授权

US08645264B2 Apparatus and methods for verifying a credit applicant's income that enhance a credit applicant's experience 有权
标题翻译：用于核实信用申请人收入的提高信用申请人经验的方法和装置
公开(公告)号：US08645264B2
公开(公告)日：2014-02-04
申请号：US12256639
申请日：2008-10-23
申请人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
发明人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/025 , G06Q30/02 , G06Q40/02
摘要： Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.
摘要翻译：用于处理贷款申请的设备和方法。该装置和方法可以涉及访问包括多个交易的金融机构客户账户; 识别属于预定交易类别的交易; 并总结交易。摘要信息可以作为收入和费用流程报告的一部分，该报告至少部分地表征账户或申请人的特征。金融机构代表可以查询数据库的摘要信息，并可选地根据贷款申请和汇总信息启动承销流程。

4. 发明申请

US20100106638A1 APPARATUS AND METHODS FOR VERIFYING A CREDIT APPLICANT'S INCOME THAT ENHANCE A CREDIT APPLICANT'S EXPERIENCE 有权
标题翻译：信用证申请人收入增加信用申请人经验的手段和方法
公开(公告)号：US20100106638A1
公开(公告)日：2010-04-29
申请号：US12256639
申请日：2008-10-23
申请人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
发明人： Thayer Allison , Robert Caruso , Sudeshna Banerjee , Debashis Ghosh , Kurt Newman , David Joa , Arun Pinto , Yanghong Shao
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q30/02 , G06Q40/02
摘要： Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.
摘要翻译：用于处理贷款申请的设备和方法。该装置和方法可以涉及访问包括多个交易的金融机构客户账户; 识别属于预定交易类别的交易; 并总结交易。摘要信息可以作为收入和费用流程报告的一部分，该报告至少部分地表征账户或申请人的特征。金融机构代表可以查询数据库的摘要信息，并可选地根据贷款申请和汇总信息启动承销流程。

5. 发明授权

US09409461B2 Air stream velocity control for ventilation system 有权
标题翻译：通风系统气流速度控制
公开(公告)号：US09409461B2
公开(公告)日：2016-08-09
申请号：US13528968
申请日：2012-06-21
申请人： Mingyu Wang , Prasad S. Kadle , Debashis Ghosh
发明人： Mingyu Wang , Prasad S. Kadle , Debashis Ghosh
IPC分类号： B60H1/34 , B60H1/00
CPC分类号： B60H1/00742 , B60H1/00828
摘要： A system and a method of controlling a ventilation or HVAC system that is configured to provide an air stream having a comfortable contact velocity to an occupant seated in a vehicle cabin. The system includes a sensor to determine the distance from a discharge nozzle to the vehicle occupant and a controller to control the exit velocity and/or an effective diameter of the nozzle. The sensor may use ultrasonic, infrared, LIDAR, or RADAR technology to determine distance. The system may determine the distance from the nozzle to the occupant based on a seat location determined by a seat location sensor. The seat location sensor may be common to an inflatable restraint (air bag) system.
摘要翻译：一种控制通风或HVAC系统的系统和方法，其被配置为向坐在车厢内的乘员提供具有舒适接触速度的气流。该系统包括用于确定从排放喷嘴到车辆乘员的距离的传感器和用于控制喷嘴的出口速度和/或有效直径的控制器。传感器可以使用超声波，红外线，激光雷达或雷达技术来确定距离。系统可以基于由座椅位置传感器确定的座位位置来确定从喷嘴到乘员的距离。座椅位置传感器可以是充气限制器（气囊）系统所共有的。

6. 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。

7. 发明授权

US08645245B2 Offset optimization system 有权
标题翻译：偏移优化系统
公开(公告)号：US08645245B2
公开(公告)日：2014-02-04
申请号：US12847349
申请日：2010-07-30
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/04 , G06Q20/10 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译：提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中提取资金以抵消逾期债务的抵消行动中收集的金额。在操作中，本发明的实施例利用存款帐户的交易历史来检测帐户的存款模式，并且基于检测到的模式来预测下一笔大额存款到可附加账户的日期。然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。

8. 发明授权

US08572242B2 Leveraging passive networks 有权
标题翻译：利用被动网络
公开(公告)号：US08572242B2
公开(公告)日：2013-10-29
申请号：US12984362
申请日：2011-01-04
申请人： Debashis Ghosh
发明人： Debashis Ghosh
IPC分类号： G06F15/173 , G06F15/177 , G06Q99/00
CPC分类号： H04L12/6418 , G06Q50/01
摘要： System and methods for leveraging passive networks are disclosed. In one embodiment, a method includes receiving, from a first data source, a first data descriptor, wherein the first data descriptor identifies an instance of contact between at least two persons. The method also includes determining a connection between the at least two persons, wherein the connection is based on an instance of contact between the at least two persons identified in the first data descriptor. The method further includes determining, with a processor, a first contact count for the connection, the first contact count based on a number of instances of contact between the at least two persons associated with the connection. The method also includes calculating, with the processor, a connection score for the connection, wherein the connection score is based at least in part on the first contact count.
摘要翻译：公开了利用无源网络的系统和方法。在一个实施例中，一种方法包括从第一数据源接收第一数据描述符，其中第一数据描述符识别至少两个人之间的联系实例。所述方法还包括确定所述至少两个人之间的连接，其中所述连接基于在所述第一数据描述符中识别的所述至少两个人之间的联系实例。所述方法还包括：使用处理器，确定所述连接的第一联系人计数，所述第一联系人计数基于所述至少两个与所述连接相关联的人之间的接触的多个实例。该方法还包括与处理器一起计算连接的连接得分，其中连接得分至少部分地基于第一接触计数。

9. 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.

10. 发明申请

US20130179254A1 USING USER EXPRESSIONS OF INTEREST TO DEEPEN USER RELATIONSHIP 审中-公开
标题翻译：利用用户表达深度用户关系
公开(公告)号：US20130179254A1
公开(公告)日：2013-07-11
申请号：US13346679
申请日：2012-01-09
申请人： David Joa , Debashis Ghosh , Thomas Mann
发明人： David Joa , Debashis Ghosh , Thomas Mann
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02
摘要： Embodiments of the invention are directed to collecting one or more expressions of interest from a user, where the one or more expressions of interest indicating potential interest in one or more financial products or financial services. Then, using a processing device, an interest index is calculated based at least in part on the collected one or more expressions of interest from the user. The interest index is configured to quantify a level of interest expressed by the user for one or more financial products or financial services. Next, based at least in part on the interest index, a level of engagement for deepening a relationship with the user is determined. Finally, one or more offline marketing efforts for deepening the relationship with the user are initiated based on the determined level of engagement.
摘要翻译：本发明的实施例旨在从用户收集一个或多个感兴趣的表达，其中一个或多个兴趣表达表示一个或多个金融产品或金融服务中的潜在兴趣。然后，使用处理装置，至少部分地基于所收集的一个或多个来自用户的感兴趣的表达式计算兴趣索引。利息指数被配置为量化用户对一个或多个金融产品或金融服务表达的兴趣水平。接下来，至少部分地基于兴趣指数，确定用于加深与用户的关系的参与度。最后，基于确定的参与级别来启动用于深化与用户的关系的一个或多个离线营销努力。

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