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1. 发明授权

US08650122B2 System and method for automated debiting and settling of financial transactions 有权
标题翻译：自动借记和结算金融交易的制度和方法
公开(公告)号：US08650122B2
公开(公告)日：2014-02-11
申请号：US12081493
申请日：2008-04-16
申请人： Ronald Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
发明人： Ronald Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
IPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/02 , G06Q20/40
CPC分类号： G06Q20/108 , G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.
摘要翻译：提供了一种自动结算和在线借入金融交易（如紧急现金交易）的方法和系统。银行客户进入外资银行，表示需要紧急现金。给客户一个电话，客户通过该电话与客户语言的交互式语音响应系统进行通信。该系统将客户与客户的家庭银行挂钩，该银行批准所要求的紧急现金。与语音响应系统通信的网络和发行者自动发起客户账户的在线借记。网络还通过结算账户启动并实施了收购方与发行人之间的结算。

2. 发明申请

US20130073606A1 Methods and Systems for Dynamically Generating and Reusing Dynamic Web Content 有权
标题翻译：动态生成和重用动态Web内容的方法和系统
公开(公告)号：US20130073606A1
公开(公告)日：2013-03-21
申请号：US13233156
申请日：2011-09-15
申请人： France Law-How-Hung , Ramadurai V. Ram
发明人： France Law-How-Hung , Ramadurai V. Ram
IPC分类号： G06F9/44 , G06F15/16
CPC分类号： H04L67/02 , G06F8/38 , G06F17/30876 , G06F17/30893 , H04L67/34
摘要： Methods and systems for generating and reusing dynamic web content involve, for example, automatically generating client-side code on a server at run time, and automatically downloading the client-side code to the client side at run time. The client-side code is executed on the client side to become a widget with dynamic behavior attributes displayed as a component of a web page on a display screen of a client-side computing device. Dynamic behavior of the client-side code may triggered via an event handler mechanism wherein properties of the client-side code are dynamically changed without affecting any other content on the web page. The widget may be redisplayed on a subsequent occasion with a change in the widget without regenerating the client-side code.
摘要翻译：用于生成和重用动态Web内容的方法和系统涉及例如在运行时在服务器上自动生成客户端代码，并在运行时自动将客户端代码下载到客户端。客户端代码在客户端执行，以成为在客户端计算设备的显示屏幕上显示为网页的组件的动态行为属性的窗口小部件。客户端代码的动态行为可以通过事件处理机制触发，其中客户端代码的属性被动态地改变而不影响网页上的任何其他内容。在随后的情况下可以重新显示该小部件，而不再重新生成客户端代码。

3. 发明授权

US08346678B1 Method and system for conducting commerce over a wireless communication network 有权
标题翻译：通过无线通信网络进行商务的方法和系统
公开(公告)号：US08346678B1
公开(公告)日：2013-01-01
申请号：US12913941
申请日：2010-10-28
申请人： Grigor Markarian , Ramadurai Vaidyanathan , Arun Ahuja , Albert Cohen , Anand Tata
发明人： Grigor Markarian , Ramadurai Vaidyanathan , Arun Ahuja , Albert Cohen , Anand Tata
IPC分类号： G06Q30/00 , G06Q40/00 , G05B19/00
CPC分类号： G06Q30/0601
摘要： Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a content provider or merchant site that provides products and goods to be purchased; a payment system allowing online authorization of funds to purchase the goods; and a wireless network for all customer interactions. Embodiments described herein perform at least one of the following three functions: 1) protocol conversions; 2) customer information reposing, and 3) payment authorization system interfacing.
摘要翻译：这里描述的是促进实现电子商务业务解决方案的启用产品。根据本发明的实施例，电子商务解决方案包括：提供要购买的产品和商品的内容提供商或商家站点; 允许在线授权资金购买货物的支付系统; 以及用于所有客户互动的无线网络。本文描述的实施例执行以下三个功能中的至少一个：1）协议转换; 2）客户信息申报，3）付款授权系统接口。

4. 发明申请

US20120101992A1 Methods and Systems for Updating Web Pages via a Web Data Instant Update Utility 有权
标题翻译：通过Web数据即时更新实用程序更新网页的方法和系统
公开(公告)号：US20120101992A1
公开(公告)日：2012-04-26
申请号：US13330227
申请日：2011-12-19
申请人： Roy Sykes , Joseph Zusman , Sikun Lan , Kent Frazier , Tyler Young , Yong Huang , Stanislav Solari
发明人： Roy Sykes , Joseph Zusman , Sikun Lan , Kent Frazier , Tyler Young , Yong Huang , Stanislav Solari
IPC分类号： G06F17/30
CPC分类号： G06F17/3089
摘要： A method for updating web pages on a web server without republishing the web pages involves providing a live version on a production database and a quality assurance version on a quality assurance web server. A maker at a business workstation can access the quality assurance database server and enter a change to data on the quality assurance version of the business data tables, and a checker at the business workstation accesses the quality assurance database server to review and approve or reject changes to the data on the quality assurance version of the business data tables, and if the checker approves the changes, the changes to the data on the quality assurance version of the business data tables are replicated from the quality assurance database server to the live version on the production database server.
摘要翻译：在Web服务器上更新网页而不重新发布网页的方法包括在生产数据库上提供实时版本以及在质量保证web服务器上提供质量保证版本。业务工作站的制造商可以访问质量保证数据库服务器，并对业务数据表的质量保证版本的数据进行更改，业务工作站的检查器访问质量保证数据库服务器以审核和批准或拒绝更改关于业务数据表的质量保证版本的数据，如果检查员批准更改，则将业务数据表的质量保证版本数据的更改从质量保证数据库服务器复制到实时版本生产数据库服务器。

5. 发明申请

US20110320351A1 METHOD AND SYSTEM FOR PERFORMING A CASH TRANSACTION WITH A SELF-SERVICE FINANCIAL TRANSACTION TERMINAL 有权
标题翻译：用自助式财务交易终端执行现金交易的方法和系统
公开(公告)号：US20110320351A1
公开(公告)日：2011-12-29
申请号：US13225825
申请日：2011-09-06
申请人： Carol J. RIZZO , Phoebe Rin-Rin HSU , Michael L. SEARS
发明人： Carol J. RIZZO , Phoebe Rin-Rin HSU , Michael L. SEARS
IPC分类号： G06Q40/00
CPC分类号： G07F7/1008 , G06Q20/10 , G06Q20/1085 , G06Q20/204 , G06Q20/305 , G06Q20/341 , G06Q20/385 , G06Q20/4014 , G06Q20/425 , G06Q40/00 , G07F19/20 , G07F19/201 , G07F19/203
摘要： A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.
摘要翻译：与自助金融交易终端执行现金交易的方法和系统利用计算机硬件和软件，允许金融机构持卡人授权接收方在特定金融机构的ATM上提取指定数量的现金。持卡人可以例如从使用交互式语音响应（IVR）系统的任何电话或通过在金融机构ATM处利用该应用或者通过使用因特网网站应用来设置该交易。发起人可以将收件人的ATM交易设置为无卡或卡启动。

6. 发明申请

US20080195539A1 System and method for automated debiting and settling of financial transactions 有权
标题翻译：自动借记和结算金融交易的制度和方法
公开(公告)号：US20080195539A1
公开(公告)日：2008-08-14
申请号：US12081493
申请日：2008-04-16
申请人： Ronaldo Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
发明人： Ronaldo Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
IPC分类号： G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.
摘要翻译：提供了一种自动结算和在线借入金融交易（如紧急现金交易）的方法和系统。银行客户进入外资银行，表示需要紧急现金。给客户一个电话，客户通过该电话与客户语言的交互式语音响应系统进行通信。该系统将客户与客户的家庭银行挂钩，该银行批准所要求的紧急现金。与语音响应系统通信的网络和发行者自动发起客户账户的在线借记。网络还通过结算账户启动并实施了收购方与发行人之间的结算。

7. 发明授权

US06968321B1 Method and system for remote operator interface with a self-service financial transactions terminal 有权
标题翻译：与自助金融交易终端的远程操作员界面的方法和系统
公开(公告)号：US06968321B1
公开(公告)日：2005-11-22
申请号：US09702428
申请日：2000-10-31
申请人： Chris S. Yu
发明人： Chris S. Yu
IPC分类号： G07F9/02 , G07F19/00 , H04L29/06 , H04L29/08 , G06F17/60
CPC分类号： H04L63/0428 , G06Q20/108 , G06Q20/1085 , G07F9/02 , G07F19/20 , G07F19/211 , H04L29/06 , H04L63/0869 , H04L67/02 , H04L67/12 , H04L67/36 , H04L69/329 , H04L2463/102
摘要： A method and system for remote operator interface with a self-service transaction terminal, such as an ATM makes use of a set of web based applications for operator functions to enable the remote operator to access the operator functions over a standard browser from a remote operator interface client PC. Each ATM with which the remote operator interface is used has a set of web based applications that supports the operator functions. The operator accesses the ATM from the client PC by bringing up the browser and entering a URL to point to a specific ATM. The remote operator interface supports a plurality of supervisory type functions and enables the user to administer a plurality of ATMs for which it is configured to allow the particular functions to be performed. Communication via the remote operator interface is secure over a private network or virtual private network (VPN) over the Internet. The remote operator must be authenticated to gain access, and the operator's entitlements may limit access.
摘要翻译：用于与诸如ATM之类的自助服务交易终端的远程操作员接口的方法和系统利用一组基于web的应用来操作操作员功能，以使远程操作者能够通过远程操作者的标准浏览器访问操作员功能接口客户端PC。使用远程操作员界面的每个ATM具有一组支持操作员功能的基于Web的应用程序。操作员通过打开浏览器并输入URL指向特定的ATM从客户端PC访问ATM。远程操作员接口支持多种监督类型功能，并且使得用户能够管理其被配置为允许执行特定功能的多个ATM。通过远程操作员界面进行的通信是通过互联网上的专用网络或虚拟专用网络（VPN）进行安全的。远程操作员必须经过身份验证才能访问，并且操作员的权利可能会限制访问。

8. 发明授权

US06944318B1 Fast matching systems and methods for personal identification 有权
标题翻译：用于个人识别的快速匹配系统和方法
公开(公告)号：US06944318B1
公开(公告)日：2005-09-13
申请号：US09483561
申请日：2000-01-14
申请人： Melvin M. Takata , Mohammed A. Khan , Michael Merman
发明人： Melvin M. Takata , Mohammed A. Khan , Michael Merman
IPC分类号： G08K9/00
CPC分类号： G06K9/00617
摘要： Systems and methods for personal identification, preferably based on iris identification, include a camera for acquiring a presented image of a presented individual and a computer device for converting the presented image into a presented image metric. The computer device also compares the presented image metric to a predetermined arrangement of a plurality of reference image metrics of known individuals to identify the presented individual as one of the known individuals. The presented image metric and the plurality of reference metrics are both formatted to represent detailed physical characteristics of the individuals, including iris characteristics and other physical characteristics. Further, the plurality of reference image metrics may also be formatted to represent user-defined characteristics, which include non-image-related characteristics. The predetermined arrangement of the plurality of reference image metrics are ordered to provide a fast match with the presented image metric. As such, the predetermined arrangement may be based on iris characteristics, other physical characteristics and user-defined characteristics. Alternately, the system of the present invention may include a carousel system that presents a circulating, predetermined arrangement of a series of reference image metrics that are compared with a plurality of presented image metrics in parallel. Thus, the systems and methods provide a fast match determination between the presented image metric and the plurality of reference image metrics in order to identify the presented individual.
摘要翻译：用于个人识别的系统和方法优选地基于虹膜识别，包括用于获取呈现的个体的呈现图像的相机和用于将呈现的图像转换成呈现的图像度量的计算机设备。计算机设备还将所呈现的图像度量与已知个体的多个参考图像度量的预定排列进行比较，以将所呈现的个体识别为已知个体之一。呈现的图像度量和多个参考度量被格式化以表示个体的详细物理特征，包括虹膜特征和其他物理特征。此外，多个参考图像度量还可以被格式化以表示用户定义的特征，其包括非图像相关特征。排序多个参考图像度量的预定布置以提供与呈现的图像度量的快速匹配。这样，预定布置可以基于虹膜特性，其他物理特性和用户定义的特征。或者，本发明的系统可以包括传送带系统，其呈现与多个呈现的图像度量并行进行比较的一系列参考图像度量的循环，预定布置。因此，系统和方法提供所呈现的图像度量和多个参考图像度量之间的快速匹配确定，以便识别呈现的个体。

9. 发明授权

US06840446B2 Apparatus and system for optical card reading and method of use 有权
标题翻译：用于光卡读取的装置和系统及其使用方法
公开(公告)号：US06840446B2
公开(公告)日：2005-01-11
申请号：US09271206
申请日：1999-03-17
申请人： Joseph C. Kawan
发明人： Joseph C. Kawan
IPC分类号： G06K17/00 , G06K7/00 , G06Q20/34 , G06Q20/40 , G07F7/10
CPC分类号： G07F7/1008 , G06K7/0004 , G06Q20/341 , G06Q20/3576 , G06Q20/4093
摘要： A method, system, and apparatus for reading from and writing to a multi-memory card, such as a bankcard, credit card, or smart card. The apparatus of the system includes reading devices, writing devices, and controllers for reading from and writing to the magnetic, optical, and electronic memory portions of a multi-memory card. The method of the present invention includes a method for controlling the reading from and writing to such cards via software applications that integrate control of a magnetic read/write component, an optical read/write component, an electronic read/write component and their respective transport mechanisms. The software applications integrate the multiple read/write components to allow such functions as for example bank and medical transactions to be performed utilizing a single multi-memory card.
摘要翻译：用于从诸如银行卡，信用卡或智能卡的多存储卡读取和写入的方法，系统和装置。该系统的装置包括用于从多存储卡的磁性，光学和电子存储器部分读取和写入的读取装置，写入装置和控制器。本发明的方法包括一种用于通过集成磁读/写组件，光读/写组件，电子读/写组件及其各自传输的控制的软件应用来控制对这种卡的读取和写入的方法机制软件应用程序集成多个读/写组件，以允许使用单个多存储卡执行诸如银行和医疗交易之类的功能。

10. 发明申请

US20140067669A1 Methods and Systems for Managing Communication Streams 审中-公开
标题翻译：用于管理通信流的方法和系统
公开(公告)号：US20140067669A1
公开(公告)日：2014-03-06
申请号：US13600624
申请日：2012-08-31
申请人： Todd Meeks , Scott Metz , Giri Narayanan , Rajendra Thota , Christina Carter , Saurabh Gaba , Milan Shah , Griselda Palaniswamy , Jit Sen
发明人： Todd Meeks , Scott Metz , Giri Narayanan , Rajendra Thota , Christina Carter , Saurabh Gaba , Milan Shah , Griselda Palaniswamy , Jit Sen
IPC分类号： G06Q20/32 , G06Q20/40 , H04W4/14
CPC分类号： G06Q10/107 , G06Q40/00 , G06Q40/02
摘要： Methods and systems for managing communication streams from multiple sources while utilizing a single short code employ a processor coupled to memory and other computer hardware and software components for establishing at least one conversation session with an outbound message to a recipient and defining a lifespan of the outbound message of the at least one conversation session. At least one reply to a response from the recipient to the outbound message of the at least one conversation session is delivered during the lifespan of the outbound message of the at least one conversation session.
摘要翻译：用于在利用单个短代码的情况下管理来自多个源的通信流的方法和系统使用耦合到存储器和其他计算机硬件和软件组件的处理器，用于向接收者建立至少一个对话会话与出站消息，并定义出站的生命周期至少一个对话会话的消息。在至少一个会话会话的出站消息的寿命期间，传送至少一个对话会话的来自接收者对该出站消息的响应的至少一个应答。

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