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1. 发明授权

US08428973B1 Systems and methods for automatically disabling mobile device usage while driving 有权
标题翻译：在驾驶时自动禁用移动设备使用的系统和方法
公开(公告)号：US08428973B1
公开(公告)日：2013-04-23
申请号：US12474589
申请日：2009-05-29
申请人： John C. Hopkins, III
发明人： John C. Hopkins, III
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： A system implemented on one or more processors for automatically disabling mobile device usage while driving may comprise at least one subsystem configured for determining whether a mobile device is traveling at a speed greater than a predetermined threshold and at least one subsystem configured for disabling a functionality of the mobile device if it is determined that the mobile device is traveling at a speed greater than the predetermined threshold. The at least one subsystem configured for determining whether a mobile device is traveling at a speed greater than a predetermined threshold may comprise at least one subsystem configured for receiving output data from an accelerometer on the mobile device and at least one subsystem configured for using said data to determine a current speed of the mobile device.
摘要翻译：在一个或多个处理器上实现的用于在驱动时自动禁用移动设备使用的系统可以包括被配置为用于确定移动设备是以大于预定阈值的速度行进的至少一个子系统和至少一个被配置用于禁用如果确定移动设备以大于预定阈值的速度行进，则移动设备。配置用于确定移动设备是否以大于预定阈值的速度行进的至少一个子系统可以包括至少一个子系统，其被配置用于从移动设备上的加速度计接收输出数据，以及配置用于使用所述数据的至少一个子系统以确定移动设备的当前速度。

2. 发明授权

US08650048B1 Method and system for insuring real property in wildfire prone areas 有权
标题翻译：在野火易发地区投保不动产的方法和制度
公开(公告)号：US08650048B1
公开(公告)日：2014-02-11
申请号：US12769563
申请日：2010-04-28
申请人： John C. Hopkins, III , Arthur Quentin Smith
发明人： John C. Hopkins, III , Arthur Quentin Smith
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： A method of providing an insurance policy for a home includes providing a computer having a processor and deploying a plurality of sensors in a vicinity of the home. The method also includes receiving data from the plurality of sensors. The data includes information related to environmental factors associated with the home. The method further includes transmitting the information related to the environmental factors to the computer, computing, by the processor, a fire risk associated with the home using the information, and computing, by the processor, an insurance premium for the insurance policy using the computed fire risk.
摘要翻译：为家庭提供保险的方法包括提供具有处理器并且在家庭附近部署多个传感器的计算机。该方法还包括从多个传感器接收数据。数据包括与家庭相关的环境因素相关的信息。该方法还包括将与环境因素相关的信息传送到计算机，由处理器使用该信息计算与家庭相关的火灾风险，并由处理器使用计算出的保险单计算保险单的保险费火灾风险。

3. 发明授权

US07835994B1 Systems and methods for performing flow-through banking 有权
标题翻译：执行流通银行的系统和方法
公开(公告)号：US07835994B1
公开(公告)日：2010-11-16
申请号：US12273019
申请日：2008-11-18
申请人： John C. Hopkins, III
发明人： John C. Hopkins, III
IPC分类号： G06Q20/00
CPC分类号： G06Q20/023 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/3674 , G06Q20/382
摘要： A flow-through transaction is effectuated with regard to a deposit account at a financial institution by an intermediary between a customer and the financial institution. The customer is received at a site of the intermediary and a type of the flow-through transaction is determined therefrom. An identification of the financial institution, the account thereat, and an amount of funds involved are received, and a request to a clearinghouse is initiated for the transaction. The clearinghouse establishes that the request is satisfactory and returns an approval of same to guarantee that the transaction is to be performed. A confirmation is provided to the customer upon receiving the approval. Thus, the customer need not visit a site of the financial institution to perform thereat a transaction equivalent to the flow-through transaction.
摘要翻译：流通交易是由客户和金融机构之间的中间人在金融机构的存款账户进行的。客户在中介的站点被接收，并且由此确定流通交易的类型。收到金融机构，其账户和相关资金的确认，并且开始向交易所发出要求。结算所确定请求是令人满意的，并返回同样的批准，以保证交易的执行。在收到批准后，向客户提供确认。因此，客户不需要访问金融机构的网站来执行与流通交易相当的交易。

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