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1859 results about "Individual person" patented technology

Individual - a human being; "there was too much for one person to do". mortal, person, somebody, someone, soul. organism, being - a living thing that has (or can develop) the ability to act or function independently.

Customer-controlled instant-response anti-fraud/anti-identity theft devices (with true- personal identity verification), method and systems for secured global applications in personal/business e-banking, e-commerce, e-medical/health insurance checker, e-education/research/invention, e-disaster advisor, e-immigration, e-airport/aircraft security, e-military/e-law enforcement, with or without NFC component and system, with cellular/satellite phone/internet/multi-media functions

All-in-one wireless mobile telecommunication devices, methods and systems providing greater customer-control, instant-response anti-fraud/anti-identity theft protections with instant alarm, messaging and secured true-personal identity verifications for numerous registered customers/users, with biometrics and PIN security, operating with manual, touch-screen and/or voice-controlled commands, achieving secured rapid personal/business e-banking, e-commerce, accurate transactional monetary control and management, having interactive audio-visual alarm/reminder preventing fraudulent usage of legitimate physical and/or virtual credit/debit cards, with cheques anti-forgery means, curtailing medical/health/insurance frauds/identity thefts, having integrated cellular and/or satellite telephonic/internet and multi-media means, equipped with language translations, GPS navigation with transactions tagging, currency converters, with or without NFC components, minimizing potential airport risks/mishaps, providing instant aid against school bullying, kidnapping, car-napping and other crimes, applicable for secured military/immigration/law enforcements, providing guided warning/rescue during emergencies and disasters.
Owner:VILLA REAL ANTONY EUCLID C

Customer-controlled instant-response anti-fraud/anti-identity theft devices (with true-personal identity verification), method and systems for secured global applications in personal/business e-banking, e-commerce, e-medical/health insurance checker, e-education/research/invention, e-disaster advisor, e-immigration, e-airport/aircraft security, e-military/e-law enforcement, with or without NFC component and system, with cellular/satellite phone/internet/multi-media functions

All-in-one wireless mobile telecommunication devices, methods and systems providing greater customer-control, instant-response anti-fraud / anti-identity theft protections with instant alarm, messaging and secured true-personal identity verifications for numerous registered customers / users, with biometrics and PIN security, operating with manual, touch-screen and / or voice-controlled commands, achieving secured rapid personal / business e-banking, e-commerce, accurate transactional monetary control and management, having interactive audio-visual alarm / reminder preventing fraudulent usage of legitimate physical and / or virtual credit / debit cards, with checks anti-forgery means, curtailing medical / health / insurance frauds / identity thefts, having integrated cellular and / or satellite telephonic / internet and multi-media means, equipped with language translations, GPS navigation with transactions tagging, currency converters, with or without NFC components, minimizing potential airport risks / mishaps, providing instant aid against school bullying, kidnapping, car-napping and other crimes, applicable for secured military / immigration / law enforcements, providing guided warning / rescue during emergencies and disasters.
Owner:VILLA REAL ANTONY EUCLID C

System and method for predicting consumer credit risk using income risk based credit score

InactiveUS20110078073A1Accurate assessmentImprove acquisitionFinanceIncome lossProspective evaluation
Systems and methods are described for scoring consumers' credit risk by determining consumers' income risk and future ability to pay. Methods are provided for measuring consumers' income risk by analyzing consumers' income loss risk, income reduction risk, probability of continuance of income, and economy's impact on consumers' income. In one embodiment, a method is provided to evaluate an individual's creditworthiness using income risk based credit score thereby providing creditors, lenders, marketers, and companies with deeper, new insights into consumer's credit risk and repayment potential. By predicting consumers' income risk and the associated creditworthiness the present invention increases the accuracy and reliability of consumers' credit risk assessments, results in more predictive and precise consumer credit scoring, and offers a new method of rendering a forward-looking appraisal of an individual's ability to repay a debt or the ability to pay for products and services.
Owner:SCORELOGIX

Non-Subjective Valuing the computer aided calculation, appraisal and valuation of anything and anybody

Non-Subjective Valuing ©& is a computer-assisted valuing system for discovering both an entity's actual current societal monetary value and its contemporary monetary worth specifically to the inquiring individual person, group or corporation, providing a user with such target entity's retail and wholesale prices along with its true worth and specific value to the explorer, employing as yardstick the NORM, which is the hypothetical unit in any group that is accurately calculated to be both precisely average in every one of its collectively discoverable characteristics and its price, to which NORM yardstick the present invention compares any test unit in that group on a natural, quantified point basis to obtain such precise current monetary worth of any such test unit, employing a specially conceived, designed and explained organic application of inductive statistics, accurate sampling, central tendency, and statistical inference, for calculating; drawing scientifically valid conclusions about surveying a constantly and factually representative community (such as the United States, 1999, for example), combined with certain new discoveries and unique, novel processes, as set forth herein, enabling Non-Subjective Valuing ©& instantly and conclusively to empower a prospective trader objectively to compare the contemporary monetary values of any and all competing units in or out of any probed group, regardless of such competing units' respective current prices.
Owner:VIG TOMMY

Devices, Systems and Methods for Identifying and/or Billing an Individual in a Vehicle

Devices, systems, and methods are disclosed for identifying a driver versus a passenger within a smart vehicle. This involves a determination of the relative positions of the wireless communication devices within the smart vehicle using near-field communication (NFC) or GPS, AGPS, etc. The wireless communication device detected closest to the driver seat is assumed to be the device owned by the driver. Once identified, the driver can be billed for tolls and other road services, based on the location of the smart vehicle. For instance, as the smart vehicle approaches a toll, a notification can be sent to all of the wireless communication devices. A response from a particular wireless communication device will result in the corresponding user's account being billed for the toll. Further, the smart vehicle can communicate with near-field transceivers placed, for instance, alongside a High-Occupancy Vehicle (HOV) lane. A driver of the vehicle can be billed, fined, or ticketed based upon a determination of an absence of passengers in the smart vehicle.
Owner:LYFT INC

Smart phone customer service system based on speech analysis

The invention provides a smart phone customer service system based on speech analysis. Firstly, real-time recording and effectiveness detection are performed on conversation speech caused when a client calls human customer service; then related individual information of the client is extracted, voiceprint recognition is performed on client speech in the conversation speech, and the verification is performed and the conversation speech is used as client identity at the time of consulting complaints to be recorded; meanwhile, speech content recognition is performed on the conversation speech to save as written record, and text public opinion analysis is performed on the written record; speech emotion analysis is performed on the conversation speech to record speech emotion data; the effect of the consulting complaints this time is analyzed by combination of the result of the text public opinion analysis and the emotion data; final grade of the customer service is obtained by combination of the analysis results and traditional grading evaluation to perform feed-back assessment. Compared with traditional customer service systems, the smart customer service system is capable of effectively increasing service qualities of the client and achieving objectified management of customer service evaluation.
Owner:EAST CHINA UNIV OF SCI & TECH
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