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11. 发明申请

US20100005025A1 Interactive Bill Payment Center 有权
标题翻译：互动帐单支付中心
公开(公告)号：US20100005025A1
公开(公告)日：2010-01-07
申请号：US12501733
申请日：2009-07-13
申请人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Green Scott , Senthil Kumar Pandurangan
发明人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Green Scott , Senthil Kumar Pandurangan
IPC分类号： G06Q20/00 , G06F3/048 , G06Q40/00
CPC分类号： G06Q20/108 , G06F17/30867 , G06F17/3089 , G06F17/30899 , G06F21/41 , G06F2221/2119 , G06Q20/10 , G06Q20/102 , G06Q30/04 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/12 , H04L67/02 , H04L67/28 , H04L67/2838
摘要： A software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network is provided. A bill-payment module is provided within the software suite and comprises, an interactive main interface accessible from the module for listing the bills due and payment accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing bill history, an interactive set-up link embedded in the main interface for providing access to a secondary interface for configuring recurring payments, an interactive transfer-funds link embedded in the main interface for providing access to a secondary interface for enabling automated transfer of funds between registered accounts, an interactive calendar link embedded in the main interface for providing access to a secondary interface for viewing calendar data, a plurality of interactive drop-down menus, each menu associated with a listed bill, the menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface. A user operating the main interface from a remote node having access to the data-packet-network may view all aggregated bills and initiate treatment of such bills according to selected interactive options. The treatment is ordered by the operating user and performed by proxy by a service entity hosting the interface.
摘要翻译：提供了一种用于使得能够查看和操纵从多个数据源编译并可通过在数据分组网络上操作的单个接口节点访问的多类聚合数据的软件套件。在软件套件内提供了一个帐单支付模块，包括一个交互式主界面，可从该模块访问以列出账单和支付账户;嵌入在主界面中的交互历史链接，用于提供访问次级界面以查看账单历史，嵌入在主界面中的交互式设置链接，用于提供对辅助界面的访问以配置定期付款;嵌入在主界面中的交互式转移资金链接，用于提供对辅助接口的访问，以使得能够在嵌入在主界面中的用于提供用于查看日历数据的辅助界面的交互式日历链接，多个交互式下拉菜单，与列出的帐单相关联的每个菜单，所述菜单在调用时提供多个可选择的，用于处理列出的帐单的交互式选项和交互式刷新全部链接e 在主界面中嵌入，使界面中显示的数据能够进行选择性或完整的数据刷新。从具有访问数据分组网络的远程节点操作主接口的用户可以查看所有汇总的账单，并根据所选择的交互选项开始处理这些账单。治疗由操作用户排序，并由托管接口的服务实体由代理执行。

12. 发明授权

US07672879B1 Interactive activity interface for managing personal data and performing transactions over a data packet network 有权
标题翻译：用于管理个人数据并通过数据分组网络执行交易的交互式活动界面
公开(公告)号：US07672879B1
公开(公告)日：2010-03-02
申请号：US09698708
申请日：2000-10-27
申请人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jenny Scott , Senthil Kumar Pandurangan
发明人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jenny Scott , Senthil Kumar Pandurangan
IPC分类号： G06Q40/99
CPC分类号： G06F17/30867 , G06F17/30899 , G06Q10/109 , G06Q40/12 , H04L67/02 , H04L67/28 , H04L67/2838
摘要： A software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interface operated on a data-packet-network is provided. The data sources are available for direct network-access through multiple access points available from within the interface. The software suite comprises, a calendar module having at least one display interface for enabling viewing and manipulation of time and date-sensitive calendar data, a transaction module having at least one display interface for enabling viewing and manipulation of financially oriented account data, a portfolio tracking module having at least one display interface for enabling viewing and manipulation of investment oriented account data, a net-worth reporting module having at least one display interface for displaying a solution-oriented net-worth report compiled from the aggregated data, a bill-payment module having at least one display interface for enabling viewing and initiation of payment action regarding current billing data and an account-alert module having at least one display interface for reporting time and event sensitive account alerts related to changes in account data due to occurring events or pre-configured time parameters.
摘要翻译：提供了一种用于使得能够查看和操纵从多个数据源编译并可通过在数据分组网络上操作的单个接口访问的多类聚合数据的软件套件。数据源可用于通过接口内可用的多个接入点进行直接网络访问。软件套件包括具有至少一个显示接口以用于观看和操纵时间和日期敏感日历数据的日历模块，具有用于使得能够查看和操纵面向财务的帐户数据的至少一个显示界面的交易模块，投资组合跟踪模块具有至少一个显示界面，用于使得能够查看和操纵面向投资的帐户数据;净值报告模块，具有至少一个显示界面，用于显示从聚合数据编译的面向解决方案的净值报告; 支付模块具有至少一个显示接口，用于使得能够查看和启动关于当前计费数据的支付动作;以及帐户警报模块，其具有用于报告时间的至少一个显示界面和与由于发生事件而导致的帐户数据变化相关的事件敏感帐户警报或预先配置的时间参数。

13. 发明授权

US07644023B2 Portfolio synchronizing between different interfaces 有权
标题翻译：不同接口之间的组合同步
公开(公告)号：US07644023B2
公开(公告)日：2010-01-05
申请号：US09854233
申请日：2001-05-10
申请人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
发明人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
IPC分类号： G06Q40/00
CPC分类号： G06F17/30899 , G06F17/30867 , G06F17/3089 , G06F21/41 , G06F2221/2119 , G06Q20/10 , G06Q20/108 , G06Q40/00 , G06Q40/04 , G06Q40/06 , H04L67/02 , H04L67/28 , H04L67/2838
摘要： A system for updating parameters of financial transactions associated with financial services initiated and completed on behalf of or directly by a user through access to a data-packet-network into more than one electronic interface accessible to the user is provided. The system comprises, a main electronic interface supported by back-end software, the main interface for registering all user accounts into at least one portfolio group, the accounts accessible in detail through the main interface, at least one cobranded electronic interface supported by back-end software, the cobranded interface mirroring the accounts registered in the main electronic interface and a plurality of institution-specific electronic interfaces for providing direct account registration, reporting, and maintenance specific to accounts provided by the associated institutions. Through direct linking between the main, cobranded, and institution-specific interfaces, any parameters associated with any action initiated to a specific account through any of the interfaces is immediately propagated to the other interfaces.
摘要翻译：提供了一种用于通过将数据分组网络访问到用户可访问的多于一个电子接口来代替或直接由用户发起和完成的与金融服务相关联的金融交易参数的系统。该系统包括由后端软件支持的主电子接口，用于将所有用户账户注册到至少一个投资组合中的主界面，通过主界面可以详细访问的账户，至少一个由后端软件支持的支配电子接口，终端软件，镜像在主电子界面中登记的帐户的多个专用接口和多个机构专用电子接口，用于提供特定于相关机构提供的账户的直接账户注册，报告和维护。通过直接链接主要的，分散的和机构的接口，任何与通过任何接口发起到特定帐户的动作相关联的参数都将立即传播到其他接口。

14. 发明授权

US06859212B2 Interactive transaction center interface 有权
标题翻译：交互式交易中心界面
公开(公告)号：US06859212B2
公开(公告)日：2005-02-22
申请号：US09826747
申请日：2001-04-04
申请人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
发明人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
IPC分类号： G06F9/46 , G06F17/30 , G06F21/00 , G06Q30/00 , H04L29/08 , G06F15/00
CPC分类号： G06F9/547 , G06F17/30867 , G06F17/3089 , G06F17/30899 , G06F21/41 , G06F2221/2119 , G06Q20/10 , G06Q20/102 , G06Q30/04 , G06Q30/0641 , G06Q40/00 , G06Q40/06 , H04L67/02 , H04L67/28 , H04L67/2819 , H04L67/2838
摘要： A transaction module having a summary interface is provided as part of a software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network. The transaction module comprises, an interactive main interface accessible through the summary interface, the main interface for listing new transactions related to registered financial accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing transaction history, an interactive menu provided within the main interface for assigning categories to the listed transactions, an interactive save feature for saving category assignments to the listed transactions; a interactive bill-payment link provided within the main interface for linking the interface to a bill-payment module and an interactive transfer-funds link provided within the summary interface of the module for linking the summary face of the module to a secondary interface for transferring funds from one account to another. A user operating the main interface from a remote node having access to the data-packet-network may view all transactions according to option of category, account, and time period.
摘要翻译：具有摘要接口的交易模块被提供作为软件套件的一部分，用于使得能够查看和操纵从多个数据源编译的多类聚合数据，并且可以通过在数据分组网络上操作的单个接口节点访问。交易模块包括：可通过汇总接口访问的交互式主界面，用于列出与注册金融账户相关的新交易的主界面;嵌入在主界面中的交互式历史链接，用于提供访问次级界面以查看交易历史; 在主界面中提供的交互式菜单，用于为列出的交易分配类别;交互式保存功能，用于将类别分配保存到列出的交易中; 在主界面内提供的交互式帐单支付链接，用于将该界面链接到账单支付模块和在模块的汇总接口内提供的交互式转移资金链接，用于将模块的汇总面连接到用于传送的辅助界面资金从一个帐户到另一个。从具有访问数据分组网络的远程节点操作主接口的用户可以根据类别，帐户和时间段的选项查看所有事务。

15. 发明授权

US09116763B2 Interactive transaction center interface 有权
公开(公告)号：US09116763B2
公开(公告)日：2015-08-25
申请号：US12715710
申请日：2010-03-02
申请人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
发明人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
IPC分类号： G06F15/00 , G06F13/00 , G06F9/54 , G06F17/30 , G06F21/41 , G06Q20/10 , G06Q30/04 , G06Q30/06 , G06Q40/00 , G06Q40/06 , H04L29/08
CPC分类号： G06F9/547 , G06F17/30867 , G06F17/3089 , G06F17/30899 , G06F21/41 , G06F2221/2119 , G06Q20/10 , G06Q20/102 , G06Q30/04 , G06Q30/0641 , G06Q40/00 , G06Q40/06 , H04L67/02 , H04L67/28 , H04L67/2819 , H04L67/2838
摘要： A transaction module having a summary interface is provided as part of a software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network. The transaction module comprises, an interactive main interface accessible through the summary interface, the main interface for listing new transactions related to registered financial accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing transaction history, an interactive menu provided within the main interface for assigning categories to the listed transactions, an interactive save feature for saving category assignments to the listed transactions; a interactive bill-payment link provided within the main interface for linking the interface to a bill-payment module and an interactive transfer-funds link provided within the summary interface of the module for linking the summary face of the module to a secondary interface for transferring funds from one account to another. A user operating the main interface from a remote node having access to the data-packet-network may view all transactions according to option of category, account, and time period.

16. 发明申请

US20100257094A1 Interactive Transaction Center Interface 审中-公开
标题翻译：交互式交易中心界面
公开(公告)号：US20100257094A1
公开(公告)日：2010-10-07
申请号：US12715710
申请日：2010-03-02
申请人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
发明人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
IPC分类号： G06F3/01 , G06Q40/00 , G06Q20/00
CPC分类号： G06F9/547 , G06F17/30867 , G06F17/3089 , G06F17/30899 , G06F21/41 , G06F2221/2119 , G06Q20/10 , G06Q20/102 , G06Q30/04 , G06Q30/0641 , G06Q40/00 , G06Q40/06 , H04L67/02 , H04L67/28 , H04L67/2819 , H04L67/2838
摘要： A transaction module having a summary interface is provided as part of a software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network. The transaction module comprises, an interactive main interface accessible through the summary interface, the main interface for listing new transactions related to registered financial accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing transaction history, an interactive menu provided within the main interface for assigning categories to the listed transactions, an interactive save feature for saving category assignments to the listed transactions; a interactive bill-payment link provided within the main interface for linking the interface to a bill-payment module and an interactive transfer-funds link provided within the summary interface of the module for linking the summary face of the module to a secondary interface for transferring funds from one account to another. A user operating the main interface from a remote node having access to the data-packet-network may view all transactions according to option of category, account, and time period.
摘要翻译：具有摘要接口的交易模块被提供作为软件套件的一部分，用于使得能够查看和操纵从多个数据源编译的多类聚合数据，并且可以通过在数据分组网络上操作的单个接口节点访问。交易模块包括：可通过汇总接口访问的交互式主界面，用于列出与注册金融账户相关的新交易的主界面;嵌入在主界面中的交互式历史链接，用于提供访问次级界面以查看交易历史; 在主界面中提供的交互式菜单，用于为列出的交易分配类别;交互式保存功能，用于将类别分配保存到列出的交易中; 在主界面内提供的交互式帐单支付链接，用于将该界面链接到账单支付模块和在模块的汇总接口内提供的交互式转移资金链接，用于将模块的汇总面连接到用于传送的辅助界面资金从一个帐户到另一个。从具有访问数据分组网络的远程节点操作主接口的用户可以根据类别，帐户和时间段的选项查看所有事务。

17. 发明授权

US07685525B2 Interactive transaction center interface 有权
标题翻译：交互式交易中心界面
公开(公告)号：US07685525B2
公开(公告)日：2010-03-23
申请号：US10892078
申请日：2004-07-14
申请人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
发明人： Srihari Kumar , Satyen Desai , John Kelley , Blake Earl Hayward , Jennifer Greene Scott , Senthil Kumar Pandurangan
IPC分类号： G06F15/00 , G06F13/00
CPC分类号： G06F9/547 , G06F17/30867 , G06F17/3089 , G06F17/30899 , G06F21/41 , G06F2221/2119 , G06Q20/10 , G06Q20/102 , G06Q30/04 , G06Q30/0641 , G06Q40/00 , G06Q40/06 , H04L67/02 , H04L67/28 , H04L67/2819 , H04L67/2838
摘要： A transaction module having a summary interface is provided as part of a software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network. The transaction module comprises, an interactive main interface accessible through the summary interface, the main interface for listing new transactions related to registered financial accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing transaction history, an interactive menu provided within the main interface for assigning categories to the listed transactions, an interactive save feature for saving category assignments to the listed transactions; a interactive bill-payment link provided within the main interface for linking the interface to a bill-payment module and an interactive transfer-funds link provided within the summary interface of the module for linking the summary face of the module to a secondary interface for transferring funds from one account to another. A user operating the main interface from a remote node having access to the data-packet-network may view all transactions according to option of category, account, and time period.
摘要翻译：具有摘要接口的事务模块被提供作为软件套件的一部分，用于使得能够查看和操纵从多个数据源编译的多类聚合数据，并且可以通过在数据分组网络上操作的单个接口节点访问。交易模块包括：可通过汇总接口访问的交互式主界面，用于列出与注册金融账户相关的新交易的主界面;嵌入在主界面中的交互式历史链接，用于提供访问次级界面以查看交易历史; 在主界面中提供的交互式菜单，用于为列出的交易分配类别;交互式保存功能，用于将类别分配保存到列出的交易中; 在主界面内提供的交互式帐单支付链接，用于将该界面链接到账单支付模块和在模块的汇总接口内提供的交互式转移资金链接，用于将模块的汇总面连接到用于传送的辅助界面资金从一个帐户到另一个。从具有访问数据分组网络的远程节点操作主接口的用户可以根据类别，帐户和时间段的选项查看所有事务。

18. 发明申请

US20100205065A1 Interactive Funds Transfer Interface 有权
标题翻译：互动资金转移接口
公开(公告)号：US20100205065A1
公开(公告)日：2010-08-12
申请号：US12762907
申请日：2010-04-19
申请人： Srihari Kumar , Suman Kumar Inala , Jennifer Green Scott , Blake Earl Hayward , Satyen Desai
发明人： Srihari Kumar , Suman Kumar Inala , Jennifer Green Scott , Blake Earl Hayward , Satyen Desai
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q30/00 , G06F3/01
CPC分类号： G06F9/547 , G06F17/30867 , G06F17/3089 , G06F17/30899 , G06F21/41 , G06F2221/2119 , G06Q20/10 , G06Q20/108 , G06Q20/1085 , G06Q20/40 , G06Q30/04 , G06Q30/0601 , G06Q30/0613 , H04L67/02 , H04L67/28 , H04L67/2819 , H04L67/2838
摘要： In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.
摘要翻译：在用于通过数据分组网络可访问的单个门户查看和操纵数据的软件套件中，提供了用于使资金从一个金融账户转移到另一个的代理转移的软件界面。该软件界面包括用于配置传输资金订单，查看未决转移，查看交易历史以及查看与注册金融账户有关的活动账户余额的交互式主窗口，可通过主界面访问的交互式选择窗口，用于启用选择的选择窗口将个人帐户分组成激活帐户列表以及自动确认窗口，以确认所请求资金转账的数据参数。操作主界面的用户可以通过代理以所请求的时间在帐户之间执行资金转移订单，以便在执行时向请求用户透明。

19. 发明授权

US07734541B2 Interactive funds transfer interface 有权
标题翻译：互动资金转账界面
公开(公告)号：US07734541B2
公开(公告)日：2010-06-08
申请号：US09854222
申请日：2001-05-10
申请人： Srihari Kumar , Jennifer Greene Scott , Blake Earl Hayward , Satyen Desai
发明人： Srihari Kumar , Jennifer Greene Scott , Blake Earl Hayward , Satyen Desai
IPC分类号： G06Q40/00
CPC分类号： G06F9/547 , G06F21/41 , G06F2221/2119 , G06Q20/10 , G06Q20/108 , G06Q20/206 , G06Q30/04 , H04L67/02 , H04L67/2838
摘要： In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.
摘要翻译：在用于通过数据分组网络可访问的单个门户查看和操纵数据的软件套件中，提供了用于使资金从一个金融账户转移到另一个的代理转移的软件界面。该软件界面包括用于配置传输资金订单，查看未决转移，查看交易历史以及查看与注册金融账户有关的活动账户余额的交互式主窗口，可通过主界面访问的交互式选择窗口，用于启用选择的选择窗口将个人帐户分组成激活帐户列表以及自动确认窗口，以确认所请求资金转账的数据参数。操作主界面的用户可以通过代理以所请求的时间在帐户之间执行资金转移订单，以便在执行时向请求用户透明。

20. 发明授权

US08224747B2 Interactive funds transfer interface 有权
标题翻译：互动资金转账界面
公开(公告)号：US08224747B2
公开(公告)日：2012-07-17
申请号：US12762907
申请日：2010-04-19
申请人： Srihari Kumar , Suman Kumar Inala , Jennifer Scott , Blake Earl Hayward , Satyen Desai
发明人： Srihari Kumar , Suman Kumar Inala , Jennifer Scott , Blake Earl Hayward , Satyen Desai
IPC分类号： G06Q40/00
CPC分类号： G06F9/547 , G06F17/30867 , G06F17/3089 , G06F17/30899 , G06F21/41 , G06F2221/2119 , G06Q20/10 , G06Q20/108 , G06Q20/1085 , G06Q20/40 , G06Q30/04 , G06Q30/0601 , G06Q30/0613 , H04L67/02 , H04L67/28 , H04L67/2819 , H04L67/2838
摘要： In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.
摘要翻译：在用于通过数据分组网络可访问的单个门户查看和操纵数据的软件套件中，提供了用于使资金从一个金融账户转移到另一个的代理转移的软件界面。该软件界面包括用于配置传输资金订单，查看未决转移，查看交易历史以及查看与注册金融账户有关的活动账户余额的交互式主窗口，可通过主界面访问的交互式选择窗口，用于启用选择的选择窗口将个人帐户分组成激活帐户列表以及自动确认窗口，以确认所请求资金转账的数据参数。操作主界面的用户可以通过代理以所请求的时间在帐户之间执行资金转移订单，以便在执行时向请求用户透明。

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