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    • 3. 发明授权
    • Electronic publishing and delivery
    • 电子出版和交付
    • US08583476B2
    • 2013-11-12
    • US10941303
    • 2004-09-15
    • Dale S. HowardL. Joy GriebenowKim Lenger
    • Dale S. HowardL. Joy GriebenowKim Lenger
    • G06Q30/00
    • G06Q30/02G06Q30/0239G06Q30/0254G06Q30/0258G06Q30/0272G06Q30/0277G06Q30/0633
    • A method and system for distributing an electronic publication allows the distribution of customized publications, including customized advertising, customized content, or both. In accordance with the method for distributing an electronic publication, an electronic publication is retrieved from storage. The electronic publication is delivered to the consumer by electronically sending the electronic publication to the consumer's electronic mail address. In accordance with another aspect of the invention, the electronic publication may include customized advertising. A consumer profile associated with the consumer is stored in a database and comprises a plurality of profile data items. A database of content items and advertising items is created, including at least some targeted advertising items. Each targeted advertising is associated with an inclusion criterion wherein a decision as to whether the inclusion criterion for a particular advertisement has been met depends upon the value of one or more profile data items. The electronic publication is created and comprises some content items and at least one targeted advertising item. The targeted advertising item is included because the inclusion criterion for that targeted advertising item has been met.
    • 用于分发电子出版物的方法和系统允许分发定制出版物,包括定制广告,定制内容或两者。 根据分发电子出版物的方法,从存储器检索电子出版物。 电子出版物通过电子方式发送给消费者电子出版物到消费者的电子邮件地址。 根据本发明的另一方面,电子出版物可以包括定制广告。 与消费者相关联的消费者简档存储在数据库中并且包括多个简档数据项。 创建内容项目和广告项目的数据库,包括至少一些目标广告项目。 每个目标广告与包括标准相关联,其中关于特定广告的包含标准是否已被满足的决定取决于一个或多个简档数据项的值。 电子出版物被创建并且包括一些内容项目和至少一个目标广告项目。 包括目标广告项目,因为该目标广告项目的纳入标准已经得到满足。
    • 7. 发明授权
    • Electronic publication distribution method and system
    • 电子出版发行方式及制度
    • US08515806B2
    • 2013-08-20
    • US11549734
    • 2006-10-16
    • Dale S. HowardL. Joy GriebenowKim Lenger
    • Dale S. HowardL. Joy GriebenowKim Lenger
    • G06Q30/00
    • G06Q30/02G06Q30/0239G06Q30/0254G06Q30/0258G06Q30/0272G06Q30/0277G06Q30/0633
    • A method and system for distributing an electronic publication allows the distribution of customized publications, including customized advertising, customized content, or both. In accordance with the method for distributing an electronic publication, an electronic publication is retrieved from storage. The electronic publication is delivered to the consumer by electronically sending the electronic publication to the consumer's electronic mail address. In accordance with another aspect of the invention, the electronic publication may include customized advertising. A consumer profile associated with the consumer is stored in a database and comprises a plurality of profile data items. A database of content items and advertising items is created, including at least some targeted advertising items. Each targeted advertising is associated with an inclusion criterion wherein a decision as to whether the inclusion criterion for a particular advertisement has been met depends upon the value of one or more profile data items. The electronic publication is created and comprises some content items and at least one targeted advertising item. The targeted advertising item is included because the inclusion criterion for that targeted advertising item has been met.
    • 用于分发电子出版物的方法和系统允许分发定制出版物,包括定制广告,定制内容或两者。 根据分发电子出版物的方法,从存储器检索电子出版物。 电子出版物通过电子方式发送给消费者电子出版物到消费者的电子邮件地址。 根据本发明的另一方面,电子出版物可以包括定制广告。 与消费者相关联的消费者简档存储在数据库中并且包括多个简档数据项。 创建内容项目和广告项目的数据库,包括至少一些目标广告项目。 每个目标广告与包括标准相关联,其中关于特定广告的包含标准是否已被满足的决定取决于一个或多个简档数据项的值。 电子出版物被创建并且包括一些内容项目和至少一个目标广告项目。 包括目标广告项目,因为该目标广告项目的纳入标准已经得到满足。
    • 10. 发明授权
    • Method and apparatus for automated cashing of checks
    • 用于自动兑现支票的方法和装置
    • US06328207B1
    • 2001-12-11
    • US09132365
    • 1998-08-11
    • Kevin P. GregoireHope L. KirschnerDale H. DentlingerL. Joy Griebenow
    • Kevin P. GregoireHope L. KirschnerDale H. DentlingerL. Joy Griebenow
    • G06F1760
    • G06Q20/02G06Q20/023G06Q20/04G06Q20/042G06Q20/305
    • A customer at an enrollment section (12) uses a self-dial telephone (14) to make a toll-free call to a customer service operator at a workstation (26). The operator activates a check-cashing card (18) obtained by the customer at the enrollment section, which includes enrolling a checking account against which the customer wishes to cash checks. The customer can subsequently use the activated card with automatic teller machines (57) to cash checks in transactions that are entirely automated, and that do not require the customer to have funds available for withdrawal from an institutional account. Each automatic teller machine interacts with a switch system (42), which in turn interacts with a host system (37), in order to determine whether to proceed with the check-cashing transaction. If authorization is granted, a dispense amount is determined by deducting one or more fees from the amount of the check, and the customer is then paid the dispense amount in cash.
    • 注册部分(12)的客户使用自动拨号电话(14)向工作站(26)的客户服务运营商进行免费电话。 操作人员激活由顾客在注册部分获得的支票兑换卡(18),其中包括登记客户希望进行现金支票的支票账户。 客户随后可以使用带有自动取款机(57)的激活卡来对完全自动化的交易进行现金支票,并且不要求客户有资金从机构账户中提款。 每个自动取款机与交换机系统(42)交互,该系统又与主机系统(37)进行交互,以便确定是否进行支票兑现交易。 如果批准授权,则通过从支票金额扣除一个或多个费用来确定分配金额,然后以现金支付客户的分配金额。