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1. 发明申请

US20170053266A1 EXPEDITED ISSUANCE AND ACTIVATION OF A TRANSACTION INSTRUMENT 审中-公开
标题翻译：交易仪器的有针对性的发布和激活
公开(公告)号：US20170053266A1
公开(公告)日：2017-02-23
申请号：US15247242
申请日：2016-08-25
申请人： III Holdings 1, LLC
发明人： Glade R. Erikson , Stacey J. Crawford , Lorrell Arvanitas , Jon C. Patton , Vernon Marshall
IPC分类号： G06Q20/34 , G06Q20/10
CPC分类号： G06Q20/354 , G06Q10/10 , G06Q20/105 , G06Q20/341 , G06Q20/355 , G07F7/1008
摘要： A method and computer program code for expediting issuance and activation of transaction instruments upon application therefor. A first set of application information is collected from an applicant. The first set of application information is processed to determine whether all required information has been obtained. If the first set of application information comprises less than all information required to issue and activate the transaction instrument, then the application process is completed and the transaction instrument is provided to the applicant in an unactivated state. The applicant is required to communicate with the transaction instrument issuer to provide the issuer with a second set of required application information. The accuracy of the second set of required application information is verified, and then the transaction instrument is activated after the second set of required application information has been verified.
摘要翻译：一种方法和计算机程序代码，用于在应用时加快交易工具的发行和激活。从申请人收集第一套申请信息。处理第一组应用程序信息，以确定是否已获取所有必需的信息。如果第一组申请信息少于发行和激活交易工具所需的全部信息，则申请过程完成，交易工具在未激活状态下提供给申请人。申请人必须与交易工具发行人进行沟通，向发行人提供第二组必需的申请信息。验证第二组所需应用信息的准确性，然后在已经验证了第二组所需应用信息之后激活交易工具。

2. 发明授权

US09240013B2 Evaluation of voice communications 有权
公开(公告)号：US09240013B2
公开(公告)日：2016-01-19
申请号：US14733765
申请日：2015-06-08
申请人： III HOLDINGS 1, LLC
发明人： Chin H. Khor , Marcel Leyva , Vernon Marshall
IPC分类号： H04M1/64 , G06Q30/00 , G10L25/48
CPC分类号： H04M3/5175 , G06Q30/016 , G06Q30/02 , G10L17/00 , G10L17/02 , G10L17/26 , G10L25/48 , G10L25/63 , H04M3/2281 , H04M3/51 , H04M2201/18 , H04M2201/40 , H04M2201/41 , H04M2203/301 , H04M2203/401
摘要： One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.

3. 发明授权

US09530139B2 Evaluation of voice communications 有权
公开(公告)号：US09530139B2
公开(公告)日：2016-12-27
申请号：US14990393
申请日：2016-01-07
申请人： III Holdings 1, LLC
发明人： Chin H. Khor , Marcel Leyva , Vernon Marshall
IPC分类号： G06Q30/00 , G10L25/48 , G06Q30/02 , G10L17/26 , G10L17/00 , G10L17/02 , G10L25/63 , H04M3/22 , H04M3/51
CPC分类号： H04M3/5175 , G06Q30/016 , G06Q30/02 , G10L17/00 , G10L17/02 , G10L17/26 , G10L25/48 , G10L25/63 , H04M3/2281 , H04M3/51 , H04M2201/18 , H04M2201/40 , H04M2201/41 , H04M2203/301 , H04M2203/401
摘要： One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.

4. 发明申请

US20160117684A1 EVALUATION OF VOICE COMMUNICATIONS 有权
公开(公告)号：US20160117684A1
公开(公告)日：2016-04-28
申请号：US14990393
申请日：2016-01-07
申请人： III Holdings 1, LLC
发明人： Chin H. Khor , Marcel Leyva , Vernon Marshall
IPC分类号： G06Q30/00 , G06Q30/02 , G10L17/26 , H04M3/51 , G10L25/63 , G10L17/02
CPC分类号： H04M3/5175 , G06Q30/016 , G06Q30/02 , G10L17/00 , G10L17/02 , G10L17/26 , G10L25/48 , G10L25/63 , H04M3/2281 , H04M3/51 , H04M2201/18 , H04M2201/40 , H04M2201/41 , H04M2203/301 , H04M2203/401
摘要： One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.

5. 发明授权

US09852424B2 Speaker recognition and denial of a transaction based on matching a known voice print 有权
公开(公告)号：US09852424B2
公开(公告)日：2017-12-26
申请号：US14826607
申请日：2015-08-14
申请人： III HOLDINGS 1, LLC
发明人： Vicki Broman , Vernon Marshall , Seshasayee Bellamkonda , Marcel Leyva , Cynthia Hanson
IPC分类号： G10L17/00 , G06Q20/40 , G06Q20/34 , G07F7/10 , G06Q20/38
CPC分类号： G06Q20/40 , G06Q20/341 , G06Q20/3558 , G06Q20/382 , G06Q20/40145 , G07F7/1008 , G10L17/00
摘要： One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.

6. 发明申请

US20160098747A1 System and Method for Predicting Card Member Spending Using Collaborative Filtering 审中-公开
标题翻译：使用协同过滤预测卡会员消费的系统和方法
公开(公告)号：US20160098747A1
公开(公告)日：2016-04-07
申请号：US14824600
申请日：2015-08-12
申请人： III Holdings 1, LLC
发明人： Puneet B. Bhagchandani , Rachel B. Garrett , Vernon Marshall , Ali H. Baqri , Siddhesh Karmali
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0254 , G06Q30/02 , G06Q30/0251 , G06Q30/0255 , G06Q30/0261 , G06Q30/04 , G06Q50/12
摘要： The disclosed method and system allows a credit or charge card issuer to provide its card members with a list of restaurants that might be of interest based on the financial transactions of similar card members. In one instance, this method filters financial transaction data from a plurality of card members that involves a plurality of restaurants to generate a set of candidate restaurant recommendations for a selected card member. This set of candidate restaurant recommendations is processed to yield a list of restaurant recommendations for the selected customer that is prioritized on the basis of the selected card member accepting the recommendation. The list of restaurant recommendations is then reported to the selected card member to enhance card use and marketing.
摘要翻译：所公开的方法和系统允许信用卡或收费卡发行商向其卡会员提供基于类似卡会员的金融交易可能感兴趣的餐馆列表。在一种情况下，该方法从涉及多个餐馆的多个卡片成员过滤金融交易数据，以产生针对所选卡片成员的一组候选餐馆建议。处理这组候选餐厅建议，以便根据接受该建议的所选择的卡会员，优先选择所选客户的餐厅建议列表。然后将餐厅建议列表报告给选定的会员卡，以增强卡的使用和营销。

7. 发明申请

US20170111504A1 EVALUATION OF VOICE COMMUNICATIONS 审中-公开
公开(公告)号：US20170111504A1
公开(公告)日：2017-04-20
申请号：US15390651
申请日：2016-12-26
申请人： III Holdings 1, LLC
发明人： Chin H. Khor , Marcel Leyva , Vernon Marshall
IPC分类号： H04M3/51 , G10L17/02 , G10L17/26 , G10L25/63
CPC分类号： H04M3/5175 , G06Q30/016 , G06Q30/02 , G10L17/00 , G10L17/02 , G10L17/26 , G10L25/48 , G10L25/63 , H04M3/2281 , H04M3/51 , H04M2201/18 , H04M2201/40 , H04M2201/41 , H04M2203/301 , H04M2203/401
摘要： One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.

8. 发明申请

US20160042349A1 SPEAKER RECOGNITION AND DENIAL OF A TRANSACTION BASED ON MATCHING A KNOWN VOICE PRINT 有权
标题翻译：基于匹配已知语音打印的语音识别和通话交流
公开(公告)号：US20160042349A1
公开(公告)日：2016-02-11
申请号：US14826607
申请日：2015-08-14
申请人： III HOLDINGS 1, LLC
发明人： Vicki Broman , Vernon Marshall , Seshasayee Bellamkonda , Marcel Leyva , Cynthia Hanson
IPC分类号： G06Q20/40 , G10L17/00 , G06Q20/38
CPC分类号： G06Q20/40 , G06Q20/341 , G06Q20/3558 , G06Q20/382 , G06Q20/40145 , G07F7/1008 , G10L17/00
摘要： One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.
摘要翻译：一对多呼叫者语音打印与已知语音打印的比较，以识别它们之间的任何匹配。当客户与特定实体（例如客户服务中心）通信时，系统记录实时呼叫，包括客户和代理人的声音。该系统将记录分段以提取至少一部分客户的语音以创建客户语音打印，并且将用于网络传输的分段语音打印格式化为服务器。服务器将客户的语音打印与多个已知语音打印进行比较，以确定任何匹配，这意味着客户的语音打印和已知语音打印之一可能来自同一人。任何比赛的识别可以用于各种目的，例如确定是否授权客户请求的交易。

9. 发明申请

US20150317641A1 EVALUATION OF VOICE COMMUNICATIONS 有权
标题翻译：语音通信评估
公开(公告)号：US20150317641A1
公开(公告)日：2015-11-05
申请号：US14733765
申请日：2015-06-08
申请人： III HOLDINGS 1, LLC
发明人： Chin H. Khor , Marcel Leyva , Vernon Marshall
IPC分类号： G06Q30/00 , G10L25/48
CPC分类号： H04M3/5175 , G06Q30/016 , G06Q30/02 , G10L17/00 , G10L17/02 , G10L17/26 , G10L25/48 , G10L25/63 , H04M3/2281 , H04M3/51 , H04M2201/18 , H04M2201/40 , H04M2201/41 , H04M2203/301 , H04M2203/401
摘要： One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.
摘要翻译：一对多呼叫者的单词和/或语音打印与已知的单词和/或语音打印进行比较，以识别它们之间的任何实质的匹配。当客户与特定实体（例如客户服务中心）通信时，系统记录实时呼叫，包括客户和代理人的声音。系统分割录音以提取不同的单词，如愤怒的话。该系统还可以划分客户语音的至少一部分以创建音调简档，并且将用于网络传输的分段单词和音调配置文件格式化成服务器。服务器将客户的单词和/或音调配置文件与存储在数据库上的多个已知单词和/或音调配置文件进行比较，以确定任何实质的匹配。任何比赛的识别可以用于各种目的，例如提供代表性反馈或客户跟进。

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