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1. 发明授权

US09432524B1 Handling insufficient account balance of subscribers 有权
公开(公告)号：US09432524B1
公开(公告)日：2016-08-30
申请号：US14943342
申请日：2015-11-17
申请人： West Corporation
发明人： Kuen-Yih Hwang , John Lawrence Snapp
IPC分类号： H04M17/00 , H04M11/00 , H04M1/725 , H04M11/10 , H04M15/00 , H04W4/12
CPC分类号： H04M15/852 , H04M15/00 , H04M15/28 , H04M15/835 , H04M15/8351 , H04M15/8353 , H04M15/84 , H04M15/842 , H04M15/844 , H04M15/85 , H04M15/851 , H04M15/853 , H04M15/854 , H04M15/86 , H04M15/888 , H04M17/00 , H04M17/02 , H04M17/20 , H04M17/206 , H04M2017/243 , H04M2215/8104 , H04M2215/8112 , H04M2215/8129 , H04M2215/8133 , H04M2215/8137 , H04M2215/815 , H04M2215/8158 , H04M2215/8162 , H04M2215/8187 , H04W4/12 , H04W4/14 , H04W4/24
摘要： A system, method, and computer readable medium comprising instructions for handling insufficient account balance of subscribers in a mobile communications network is disclosed. A request for communication is received from a mobile station. A determination is made as to whether a subscriber of the mobile station has an insufficient account balance. If the subscriber has an insufficient account balance, the request is withheld and the mobile station is notified by a short message.

2. 发明申请

US20160086222A1 METHOD AND SYSTEM TO REMIND USERS OF TARGETED OFFERS IN SIMILAR CATEGORIES 审中-公开
标题翻译：方法和系统，以提供类似目的的提供者的用户
公开(公告)号：US20160086222A1
公开(公告)日：2016-03-24
申请号：US14955862
申请日：2015-12-01
申请人： Truaxis, Inc.
发明人： Kaushal Kurapati
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0255 , G06Q30/0201 , G06Q30/0204 , G06Q30/0207 , G06Q30/0261 , G06Q30/0269 , G06Q40/00 , G06Q40/08 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： Disclosed herein is a method for providing an offer which includes selecting at least one offer for presentation by applying at least one rule dictated by a merchant to a set of offers, applying at least one rule dictated by a financial institution to the offers, and applying a filter to identify offers with the highest likelihood of being accepted by the user. The selected offer is then presented to the user. An authorization request from a merchant for a user transaction is received by a remote computer and analyzed to determine one or more categories or sub-categories of the merchant or item in the transaction. The system then determines whether the selected offer is for a merchant or item in a related but different category from the one for which the authorization request was received, and if it is, the system reminds the user of the selected offer.
摘要翻译：本文公开了一种提供要约的方法，其包括通过将由商家规定的至少一个规则应用于一组提议来选择至少一个呈现提议，将至少一个由金融机构规定的规则应用于该提议，以及应用用于识别用户被接受的最高可能性的提供的过滤器。然后将选定的优惠提供给用户。远程计算机接收来自商家用于用户交易的授权请求，并对其进行分析，以确定交易中商家或商品的一个或多个类别或子类别。系统然后确定所选择的报价是针对商家还是与接收到授权请求的商品相关但不同类别的商品，如果是，则系统提醒用户所选择的报价。

3. 发明申请

US20150348083A1 SYSTEM, METHODS AND PROCESSES TO IDENTIFY CROSS-BORDER TRANSACTIONS AND REWARD RELEVANT CARDHOLDERS WITH OFFERS 审中-公开
标题翻译：识别跨境交易的系统，方法和过程，并向用户提供相关的相关卡
公开(公告)号：US20150348083A1
公开(公告)日：2015-12-03
申请号：US14789700
申请日：2015-07-01
申请人： Truaxis, Inc.
发明人： Eli B. Brill , Jen Milsop Millard , Akshit Mukesh Shah
IPC分类号： G06Q30/02 , G06Q20/32 , G06Q20/38
CPC分类号： G06Q30/0222 , G06Q20/28 , G06Q20/3224 , G06Q20/387 , G06Q30/0201 , G06Q30/0204 , G06Q30/0255 , G06Q30/0261 , G06Q30/0269 , G06Q40/00 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： A method for providing a savings opportunity includes receiving an authorization request for a user transaction by a first remote computer. By analyzing, at the first remote computer, the authorization request, it can be determined if the currency being used during the transaction is different from the preferred currency (as indicated by a user profile). If there is a difference, a savings opportunity indication for the foreign transaction is generated. The savings opportunity indication may be transmitted to a second remote computer where a savings opportunity from a database of savings opportunities is matched to the user. Then, at least one of the user and the merchant is notified by the second remote computer of the savings opportunity. Alternatively, the matched savings opportunity is returned to the first remote computer for transmittal to at least one of the user and the merchant along with an authorization of the transaction.
摘要翻译：一种用于提供节省机会的方法包括：由第一远程计算机接收用户交易的授权请求。通过在第一个远程计算机上分析授权请求，可以确定在交易期间正在使用的货币是否不同于首选货币（由用户配置文件指示）。如果有差异，则会产生外国交易的储蓄机会指示。储蓄机会指示可以被传送到第二远程计算机，其中来自储蓄机会的数据库的储蓄机会与用户相匹配。然后，由第二远程计算机通知用户和商家中的至少一个储蓄机会。或者，将匹配的储蓄机会返回到第一远程计算机，以便传送给用户和商家中的至少一个以及交易的授权。

4. 发明授权

US09135623B2 System and method for independently authorizing auxiliary communication services 有权
标题翻译：独立授权辅助通信服务的系统和方法
公开(公告)号：US09135623B2
公开(公告)日：2015-09-15
申请号：US14076691
申请日：2013-11-11
申请人： Securus Technologies, Inc.
发明人： Michelle Johnson , Stuart Rosenfield , Richard Falcone
IPC分类号： G06Q40/00 , H04M15/00 , G06Q20/40 , G06Q30/02 , H04M15/08 , H04M17/00
CPC分类号： G06Q20/40 , G06Q30/02 , H04M15/00 , H04M15/08 , H04M15/47 , H04M15/58 , H04M15/83 , H04M15/835 , H04M15/8351 , H04M15/84 , H04M15/842 , H04M15/85 , H04M15/851 , H04M15/852 , H04M15/854 , H04M15/858 , H04M17/00 , H04M2215/0148 , H04M2215/0188 , H04M2215/62 , H04M2215/68 , H04M2215/81 , H04M2215/8104 , H04M2215/8108 , H04M2215/8129 , H04M2215/8133 , H04M2215/815 , H04M2215/8154 , H04M2215/8158 , H04M2215/8166 , H04M2215/8183
摘要： Systems and methods which determines the likelihood that a calling (or in some cases the called) user will pay for a particular auxiliary service are described. A system of an embodiment considers the user's credit risk and his/her propensity to pay, when deciding if the user is eligible for a particular auxiliary service. A methodology used for determining propensity to pay for an auxiliary service according to embodiments is independent from a determination of propensity to pay for a basic calling service. Thus, the criteria used, and the weight given to each criteria, for determining eligibility for auxiliary services can be different from the criteria and criteria weight used for basic communication connections.
摘要翻译：描述了确定呼叫（或在某些情况下被叫）用户将为特定辅助服务支付的可能性的系统和方法。当确定用户是否符合特定辅助服务的条件时，实施例的系统考虑用户的信用风险和他/她的支付倾向。用于确定根据实施例的辅助服务的支付倾向的方法独立于对基本呼叫服务的支付倾向的确定。因此，用于确定辅助服务资格的所使用的标准和给予每个标准的权重可以不同于用于基本通信连接的标准和标准权重。

5. 发明申请

US20150170175A1 METHOD AND SYSTEM FOR IDENTIFYING A COHORT OF USERS BASED ON PAST SHOPPING BEHAVIOR AND OTHER CRITERIA 审中-公开
标题翻译：基于过去购物行为和其他标准识别使用者关系的方法和系统
公开(公告)号：US20150170175A1
公开(公告)日：2015-06-18
申请号：US14631091
申请日：2015-02-25
申请人： Truaxis, Inc.
发明人： Fan Zhang , Abhijith Ramesh Kashyap , Kaushal Kurapati , Francisco Javier Perez-Leon
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0204 , G06Q30/0201 , G06Q30/0207 , G06Q40/00 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： Disclosed herein is a method for a merchant to gain information about the purchasing characteristics of a group with which the merchant wishes to interact. Merchants wishing to target group members are not able to specifically identify members of the group through depersonalized transaction data available from financial institutions. Group members are therefore identified through a traditional method: market research. The method also includes noting the purchasing behavior of group members, including providers of goods and services to group members, merchants not patronized by members of the group, and demographic characteristics of the group. An example of such a group is the so-called “millennials”. The identification of group members may be validated through test runs of financial data and fine-tuned to ensure correct identification of group members.
摘要翻译：这里公开了一种用于商家获得关于商家希望进行交互的组的购买特性的信息的方法。希望针对集团成员的商家无法通过金融机构提供的个性化交易数据专门识别集团成员。因此，集团成员通过传统的方法来确定：市场研究。该方法还包括注意集团成员的购买行为，包括集团成员的商品和服务提供商，不由群组成员光顾的商家以及该群体的人口特征。这样的一个例子就是所谓的“千禧一代”。集团成员的识别可以通过财务数据测试进行验证，并进行微调，以确保组成员的正确识别。

6. 发明申请

US20150170124A1 METHODS AND SYSTEMS FOR PROVIDING PRODUCTS, SUCH AS DIGITAL CONTENT INCLUDING GAMES, RING TONES, AND/OR GRAPHICS; AND SERVICES, SUCH AS COMPUTER NETWORK SERVICE INCLUDING INTERNET SERVICE 审中-公开
标题翻译：提供产品的方法和系统，如数字内容，包括游戏，铃声和/或图形; 和服务，如计算机网络服务，包括互联网服务
公开(公告)号：US20150170124A1
公开(公告)日：2015-06-18
申请号：US14628965
申请日：2015-02-23
申请人： OUTERWALL INC.
发明人： Timothy N. Sorenson , Mark L. Evans
IPC分类号： G06Q20/18 , G06Q20/12
CPC分类号： G06Q20/18 , G06Q20/123 , G06Q20/381 , G06Q30/04 , G07D3/00 , G07D3/10 , G07D3/128 , G07D9/008 , G07F1/00 , G07F1/04 , G07F3/00 , G07F3/02 , G07F17/00 , G07F17/0014 , G07F17/16 , G07F17/42 , H04M15/83 , H04M15/84 , H04M17/00 , H04M17/02 , H04M17/10 , H04M17/20 , H04M2215/22 , H04M2215/81 , H04M2215/8129
摘要： Methods and systems for exchanging various forms of value, including coins, paper currency, credit, and/or debit, for Internet service and digital content. Such digital content can include, for example, online games and content for mobile phones. In one embodiment, a value exchange machine includes a coin input region, a coin sorting/counting apparatus, a card reader, and a communications facility configured to communicate with a remote computer network. A user wishing to purchase Internet service, for example, can visit the value exchange machine, select the desired transaction, and pay for the Internet service with coins, paper currency, a credit card, a debit card, and/or bank account funds. After confirming payment, the value exchange machine can issue a code to the user, for example, on a card enabling the user to obtain the Internet service.
摘要翻译：用于互联网服务和数字内容交换各种形式价值的方法和系统，包括硬币，纸币，信用和/或借记。这样的数字内容可以包括例如在线游戏和用于移动电话的内容。在一个实施例中，价值交换机包括硬币输入区域，硬币分类/计数装置，读卡器和被配置为与远程计算机网络进行通信的通信设备。例如，希望购买互联网服务的用户可以访问价值交换机，选择所需的交易，并用硬币，纸币，信用卡，借记卡和/或银行账户资金支付互联网服务。在确认付款之后，价值交换机可以向用户发出代码，例如，在使得用户获得因特网服务的卡上。

7. 发明授权

US08768297B2 Differentiated network indication 有权
标题翻译：差分网络指示
公开(公告)号：US08768297B2
公开(公告)日：2014-07-01
申请号：US12296439
申请日：2006-04-12
申请人： Jari Vikberg , Tomas Nylander
发明人： Jari Vikberg , Tomas Nylander
IPC分类号： H04M11/00
CPC分类号： H04W48/18 , H04M15/00 , H04M15/28 , H04M15/80 , H04M15/8033 , H04M15/8038 , H04M15/8083 , H04M15/81 , H04M15/83 , H04M15/8351 , H04M15/84 , H04M15/844 , H04M15/85 , H04M15/851 , H04M2215/0112 , H04M2215/0184 , H04M2215/74 , H04M2215/7435 , H04M2215/7442 , H04M2215/81 , H04M2215/8108 , H04M2215/8129 , H04M2215/8137 , H04M2215/815 , H04M2215/8154 , H04M2215/82 , H04W4/24 , H04W84/045
摘要： A system and method in a cellular telecommunication network for indicating tariff-related information to an end user having the ability to access network areas with different charging tariffs. In one embodiment, a Charging Indication Data Base (CIDB) in the access network stores charging indications for different combinations of end users and cell identities, and a Rate Indication Data Base (RIDB) stores tariff information for the core network. When the end user accesses the cellular network through an identified cell, a radio network controller (RNC) retrieves a charging indication from the CIDB and sends it to a Mobile Switching Center (MSC). The MSC uses the charging indication to retrieve tariff-related information from the RIDB and sends it to the end user. The CIDB and RIDB may also be co-located in the core network.
摘要翻译：蜂窝电信网络中的系统和方法，用于向具有接入具有不同计费关税的网络区域的能力的最终用户指示资费相关信息。在一个实施例中，接入网络中的计费指示数据库（CIDB）存储用于终端用户和小区标识的不同组合的计费指示，并且速率指示数据库（RIDB）存储用于核心网络的资费信息。当终端用户通过识别的小区访问蜂窝网络时，无线电网络控制器（RNC）从CIDB检索计费指示并将其发送到移动交换中心（MSC）。 MSC使用计费指示从RIDB检索资费相关信息，并将其发送给最终用户。 CIDB和RIDB也可能位于核心网络中。

8. 发明授权

US08687781B2 Phone appliance with display screen and methods of using the same 有权
标题翻译：具有显示屏的电话机及其使用方法
公开(公告)号：US08687781B2
公开(公告)日：2014-04-01
申请号：US12106617
申请日：2008-04-21
申请人： Ching-Yi Lin
发明人： Ching-Yi Lin
IPC分类号： H04M11/00 , H04M1/00
CPC分类号： H04M1/00 , G06Q30/02 , H04L51/00 , H04L67/22 , H04L67/34 , H04L69/329 , H04M1/2471 , H04M1/2473 , H04M1/2478 , H04M1/2535 , H04M15/56 , H04M15/83 , H04M15/84 , H04M2201/38 , H04M2207/203 , H04M2215/202 , H04M2215/81 , H04M2215/8129 , H04M2250/22
摘要： A phone appliance and method of use are provided where the phone appliance can be used to make VoIP communications calls. In a preferred embodiment, the phone appliance includes an RF connection for connecting to a computer or other computing device for facilitating the placement of the VoIP communications calls. The phone appliance further includes a display or portal for depicting advertisements provided by various advertisers. The advertisements provided can be used to defray all or part of the cost associated with making VoIP communications calls. The portal can also be used to communicate with businesses for ordering products, such as ordering a pizza, and to perform various services, such as purchasing stocks. In an exemplary system, the phone appliance is used to transmit to a control center information related to the user of the phone appliance, such as interests and buying habits, and queries for receiving additional information for various advertised products and services. The control center transmits the queries to the appropriate vendors for providing the user with additional information. Other functions and features are provided to the phone appliance, such as being able to download e-mail messages stored within or received by the computer.
摘要翻译：提供了电话设备和使用方法，其中电话设备可用于进行VoIP通信呼叫。在优选实施例中，电话设备包括用于连接到计算机或其他计算设备的RF连接，以便于安排VoIP通信呼叫。电话设备还包括用于描绘由各种广告商提供的广告的显示器或门户。所提供的广告可用于支付与进行VoIP通信呼叫相关联的全部或部分成本。该门户也可用于与企业进行通信，以订购产品，例如订购比萨饼，并执行各种服务，如采购库存。在示例性系统中，电话设备用于向控制中心发送与电话设备的用户有关的信息，例如兴趣和购买习惯，以及查询各种广告产品和服务的附加信息。控制中心将查询传送给适当的供应商，为用户提供额外的信息。提供给电话设备的其他功能和特征，例如能够下载存储在计算机内或由计算机接收的电子邮件消息。

9. 发明申请

US20130325681A1 SYSTEM AND METHOD OF CLASSIFYING FINANCIAL TRANSACTIONS BY USAGE PATTERNS OF A USER 审中-公开
标题翻译：用户使用模式划分财务交易的制度和方法
公开(公告)号：US20130325681A1
公开(公告)日：2013-12-05
申请号：US13904593
申请日：2013-05-29
申请人： Truaxis, Inc.
发明人： Manjunath Sulibele Somashekar , Akshit Mukesh Shah , Nilesh Vijay Kulkarni , Samir Kothari
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q30/0201 , H04M15/00 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： Disclosed herein is a method of classifying financial transactions by usage patterns of a user. The method includes analyzing metadata extracted from the information associated with financial transactions in accordance with at least one business rule. Where the analysis includes sequentially analyzing the metadata using a constant-time lookup data structure, a Radix tree, a Lucene tree and fuzzy logic methods, until a unique identifier is found that is associated with the metadata. The metadata with the unique identifier is then added to the constant-time lookup data structure to update the constant-time lookup data structure. The transaction data is then classified based on the unique identifier.
摘要翻译：本文公开了一种通过用户的使用模式对金融交易进行分类的方法。该方法包括根据至少一个业务规则分析从与金融交易相关联的信息中提取的元数据。其中分析包括使用恒定查找数据结构，基数树，Lucene树和模糊逻辑方法顺序分析元数据，直到找到与元数据相关联的唯一标识符。然后将具有唯一标识符的元数据添加到恒定查找数据结构中，以更新常数查找数据结构。然后根据唯一标识符对交易数据进行分类。

10. 发明授权

US08495724B2 Secure server architecture for web based data management 有权
公开(公告)号：US08495724B2
公开(公告)日：2013-07-23
申请号：US11023953
申请日：2004-12-28
申请人： Carol Y. Devine , Gerald A. Shifrin , Richard W. Shoulberg
发明人： Carol Y. Devine , Gerald A. Shifrin , Richard W. Shoulberg
IPC分类号： G06F15/16
CPC分类号： H04L63/02 , G06F11/0709 , G06F11/0757 , G06F11/0769 , G06F11/0775 , G06F11/0781 , G06F11/0784 , G06F11/202 , G06F11/32 , G06F11/324 , G06F11/327 , G06F11/328 , G06F11/3495 , G06F17/30893 , G06F21/00 , G06F21/41 , G06F21/552 , G06F2201/81 , G06F2201/86 , G06F2201/875 , G06F2221/2137 , G06F2221/2149 , G06Q10/10 , G06Q10/107 , G06Q20/102 , G06Q20/382 , G06Q30/02 , G06Q30/06 , G06Q30/0601 , G06Q30/0609 , G06Q30/0635 , G06Q99/00 , H04L12/14 , H04L12/1428 , H04L29/06027 , H04L41/0213 , H04L41/0233 , H04L41/024 , H04L41/0253 , H04L41/06 , H04L41/0681 , H04L41/08 , H04L41/0803 , H04L41/0879 , H04L41/142 , H04L41/18 , H04L41/22 , H04L41/28 , H04L41/5009 , H04L41/5022 , H04L41/5029 , H04L41/5032 , H04L41/5035 , H04L41/5061 , H04L41/5064 , H04L41/5067 , H04L41/5074 , H04L41/5083 , H04L41/5096 , H04L43/00 , H04L43/024 , H04L43/045 , H04L43/06 , H04L43/062 , H04L43/065 , H04L43/067 , H04L43/0805 , H04L43/0811 , H04L43/0817 , H04L43/0829 , H04L43/0847 , H04L43/0852 , H04L43/0876 , H04L43/0888 , H04L43/0894 , H04L43/10 , H04L43/106 , H04L43/16 , H04L51/00 , H04L63/0209 , H04L63/0218 , H04L63/0236 , H04L63/0272 , H04L63/0281 , H04L63/0428 , H04L63/0442 , H04L63/0464 , H04L63/08 , H04L63/0807 , H04L63/0815 , H04L63/0823 , H04L63/083 , H04L63/162 , H04L63/166 , H04L63/168 , H04L63/18 , H04L65/4007 , H04L65/80 , H04M3/5175 , H04M3/5191 , H04M15/00 , H04M15/41 , H04M15/43 , H04M15/44 , H04M15/49 , H04M15/51 , H04M15/58 , H04M15/705 , H04M15/721 , H04M15/745 , H04M15/80 , H04M15/8044 , H04M15/83 , H04M15/8351 , H04M15/84 , H04M2215/0104 , H04M2215/0108 , H04M2215/0152 , H04M2215/0164 , H04M2215/0168 , H04M2215/0176 , H04M2215/018 , H04M2215/0188 , H04M2215/42 , H04M2215/46 , H04M2215/54 , H04M2215/7009 , H04M2215/7045 , H04M2215/745 , H04M2215/81 , H04M2215/8108 , H04M2215/8129 , H04M2215/82 , Y10S379/90 , Y10S707/99931 , Y10S707/99937 , Y10S707/99938 , Y10S707/99939 , Y10S707/99944 , Y10S715/969
摘要： A double firewalled system is disclosed for protecting remote enterprise servers that provide communication services to telecommunication network customers from unauthorized third parties. A first router directs all connection requests to one or more secure web servers, which may utilize a load balancer to efficiently distribute the session connection load among a high number of authorized client users. On the network side of the web servers, a second router directs all connection requests to a dispatcher server, which routes application server calls to a proxy server for the application requested. A plurality of data security protocols are also employed. The protocols provide for an identification of the user, and an authentication of the user to ensure the user is who he/she claims to be and a determination of entitlements that the user may avail themselves of within the enterprise system. Session security is described, particularly as to the differences between a remote user's copper wire connection to a legacy system and a user's remote connection to the enterprise system over a “stateless” public Internet, where each session is a single transmission, rather than an interval of time between logon and logoff, as is customary in legacy systems.

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