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61. 发明授权

US08165956B2 Bill availability notification and billing information request 有权
标题翻译：帐单可用性通知和帐单信息请求
公开(公告)号：US08165956B2
公开(公告)日：2012-04-24
申请号：US13041876
申请日：2011-03-07
申请人： Bill Kitchen , Ginger B. Moses , Ralph Au
发明人： Bill Kitchen , Ginger B. Moses , Ralph Au
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/14 , G06Q20/385 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： Systems and methods for presenting billing information are provided. A notice may be transmitted via a network by a bill presentment service provider system comprising one or more computers. The notice may be transmitted in accordance with an e-mail protocol, and the notice may indicate availability of billing information via a bill present service provider system. Subsequent to transmitting the notice, a request for the billing information may be received by the bill presentment service provider system via the second protocol. The request may be received responsive to a selection of the hyper-link. Responsive to receiving the request, at least a portion of the billing information may be transmitted by the bill presentment service provider system via the network.
摘要翻译：提供了提供计费信息的系统和方法。可以由包括一个或多个计算机的账单呈现服务提供者系统通过网络传送通知。该通知可以根据电子邮件协议进行传输，并且通知可以通过帐单当前服务提供商系统指示计费信息的可用性。在发送通知之后，可以由账单呈现服务提供者系统经由第二协议接收对账单信息的请求。响应于超链接的选择可以接收该请求。响应于接收到请求，可以由帐单呈现服务提供商系统经由网络发送至少一部分计费信息。

62. 发明授权

US07912778B2 Systems, methods and computer program products for processing orders subject to investment restrictions 有权
标题翻译：用于处理订单受制于投资限制的系统，方法和计算机程序产品
公开(公告)号：US07912778B2
公开(公告)日：2011-03-22
申请号：US11389909
申请日：2006-03-27
申请人： Hari Nanjundamoorthy
发明人： Hari Nanjundamoorthy
IPC分类号： G06F17/60
CPC分类号： G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： Methods and systems process multiple trade orders subject to investment account restrictions. The restrictions are associated with the holding of one or more securities or with a cash position in an investment account. Each received order to perform an investment account management action is processed to determine whether performance of the action violates any stored restriction. The investment account is updated to reflect the result of executing the orders that did not violate any stored restriction. All received orders that are found to be in violation of a restriction are then processed again to determine whether performance of the action now violates any stored restriction. This technique allows for approving for execution as many trade orders subject to restrictions as possible.
摘要翻译：方法和系统处理多个贸易订单受投资账户限制。这些限制与在投资账户中持有一个或多个证券或现金头寸有关。处理每个收到的执行投资账户管理操作的订单，以确定该操作的执行是否违反任何存储的限制。更新投资账户以反映执行没有违反任何存储限制的订单的结果。所有接收到的订单被发现违反限制，然后再次被处理，以确定该操作的性能现在是否违反任何存储的限制。这种技术允许批准执行尽可能多的贸易订单受到限制。

63. 发明授权

US07873563B2 Systems and methods for automatically backing out buy orders 失效
标题翻译：自动退出买单的系统和方法
公开(公告)号：US07873563B2
公开(公告)日：2011-01-18
申请号：US11618282
申请日：2006-12-29
申请人： Joseph Anthony Barone , William McKinney , Michele Pierdinock , Hari Nanjundamoorthy
发明人： Joseph Anthony Barone , William McKinney , Michele Pierdinock , Hari Nanjundamoorthy
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/00
摘要： A system and method for identifying a candidate set of at least one buy order associated with an investment account, determining a back out target value that identifies a fiscal amount by which the candidate set must to be reduced, and progressively decrementing a respective initial asset quantity of one or more buy orders of the candidate set until the back out target value is achieved at a final asset quantity of the one or more buy orders. The candidate set of buy orders can then be modified by replacing the respective initial asset quantity with the respective final asset quantity for at least one of the one or more buy orders. The modified candidate set of buy orders can then be provided for trade execution.
摘要翻译：一种用于识别与投资账户相关联的至少一个购买订单的候选组的系统和方法，确定识别所述候选集合必须减少的财政金额的退出目标值，并且逐渐递减相应的初始资产数量一个或多个候选人的购买订单，直到在一个或多个买单的最终资产数量达到退出目标值。然后可以通过将相应的初始资产数量替换为一个或多个购买订单中的至少一个购买订单的相应最终资产数量来修改候选组买单。然后，可以提供修改后的买入订单集合以进行交易执行。

64. 发明授权

US07805348B2 Systems and methods enabling investment activities via the creation and use of client-specific security files 有权
标题翻译：系统和方法通过创建和使用客户端特定的安全文件来实现投资活动
公开(公告)号：US07805348B2
公开(公告)日：2010-09-28
申请号：US11395036
申请日：2006-03-31
申请人： Hari Nanjundamoorthy , Charles R. Smith, III , Michele Pierdinock , Donna Figlik , Lorraine Giordano
发明人： Hari Nanjundamoorthy , Charles R. Smith, III , Michele Pierdinock , Donna Figlik , Lorraine Giordano
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q20/10 , G06Q20/40 , G06Q40/06
摘要： Methods and system for performing an investment portfolio activity. A record associated with a security is stored. The record includes two or more data fields each associated with a respective security attribute, and each data field is associated with a single data value. A request to add a new data field to one of the security attributes is received, and the new data field is associated with a new data value. A customized record associated with the security is created, which includes the new data field and the new data value, and an order to perform an investment portfolio activity associated with the security is received. The investment portfolio activity is executed using the new data value included in the customized record.
摘要翻译：执行投资组合活动的方法和制度。存储与安全相关联的记录。记录包括两个或多个数据字段，每个数据字段与相应的安全属性相关联，并且每个数据字段与单个数据值相关联。接收到向其中一个安全属性添加新数据字段的请求，并且新的数据字段与新的数据值相关联。创建与安全性相关联的定制记录，其中包括新的数据字段和新的数据值，并且接收到执行与安全性相关联的投资组合活动的命令。投资组合活动使用定制记录中包含的新数据值执行。

65. 发明授权

US07711626B2 Systems, methods, and computer program products for adjusting the assets of an investment account 有权
标题翻译：用于调整投资账户资产的系统，方法和计算机程序产品
公开(公告)号：US07711626B2
公开(公告)日：2010-05-04
申请号：US11480688
申请日：2006-06-30
申请人： Hari Nanjundamoorthy , Charles R. Smith, III , Michele Pierdinock , William McKinney , Lavinia S. Zyvith , Reo A. Gonzales , Joseph A. Barone
发明人： Hari Nanjundamoorthy , Charles R. Smith, III , Michele Pierdinock , William McKinney , Lavinia S. Zyvith , Reo A. Gonzales , Joseph A. Barone
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/00 , G06Q40/025 , G06Q40/06 , G06Q40/10
摘要： Methods of the present invention identify an asset allocation model and at least one security associated there with. An investment account portfolio is stored that includes at least one substitute security associated with the identified at least one security. A virtual portfolio is then generated that includes the identified at least one security. A tax lot is created for the identified at least one security to identify a total value for the at least one security, and the method determines whether the virtual portfolio complies with the asset allocation model. The identified at least one security associated with the asset allocation model is restricted from the investment account portfolio.
摘要翻译：本发明的方法识别资产分配模型和与其相关联的至少一个安全性。存储投资账户组合，其包括与所识别的至少一个证券相关联的至少一个替代证券。然后生成包括所识别的至少一个安全性的虚拟组合。为所识别的至少一个安全机构创建税额以识别至少一个安全性的总价值，并且该方法确定虚拟投资组合是否符合资产分配模型。与资产分配模型相关联的所识别的至少一个证券不受投资账户组合的限制。

66. 发明授权

US07526448B2 Matching consumers with billers having bills available for electronic presentment 有权
标题翻译：匹配消费者与具有可用于电子演示的帐单的帐单
公开(公告)号：US07526448B2
公开(公告)日：2009-04-28
申请号：US10285706
申请日：2002-11-01
申请人： William D. Zielke , John J Frech , Teri W. Bemis , Randal A. McCoy , Peter Moenickheim , John Alfred Brothers, II , Cheryl L. Ward , Richard A. Stratton , Casey W. Kozee , William R. McMichael, Jr.
发明人： William D. Zielke , John J Frech , Teri W. Bemis , Randal A. McCoy , Peter Moenickheim , John Alfred Brothers, II , Cheryl L. Ward , Richard A. Stratton , Casey W. Kozee , William R. McMichael, Jr.
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G07F7/00
摘要： A technique for identifying electronic billers of a consumer whose bills are available by electronic presentment is provided. A request to identify electronic billers of the consumer is received. This request includes information that identifies the consumer, but excludes any information identifying any biller, electronic or not, of the consumer. From this information that does not identify any biller of the consumer, one more candidate electronic billers of the consumer are identified. Then, a positive determination is made that at least one of these candidate electronic billers is definitely an electronic biller of the consumer. Thus, electronic billers of the consumer are identified without the consumer identifying any biller.
摘要翻译：提供一种用于识别通过电子呈现可获得票据的消费者的电子账单的技术。接收到识别消费者的电子帐户的请求。该请求包括识别消费者的信息，但不包括识别消费者的电子或非电子邮件的任何信息的信息。从不识别消费者的任何消费者的信息，识别出一个以上的消费者的候选电子广告者。然后，肯定地确定这些候选电子报纸器中的至少一个绝对是消费者的电子报价器。因此，消费者的电子帐户被识别，而消费者没有识别任何账单。

67. 发明授权

US07490063B2 Remittance payment processing with account scheming and/or validation 失效
标题翻译：汇款支付处理与账户计划和/或验证
公开(公告)号：US07490063B2
公开(公告)日：2009-02-10
申请号：US10043247
申请日：2002-01-14
申请人： David Lee Garrison , Patricia A. Kight , Brad Perkins , Cheryl Lynn Ward , Mary Elizabeth Lawson , Amy Lynn Kerin
发明人： David Lee Garrison , Patricia A. Kight , Brad Perkins , Cheryl Lynn Ward , Mary Elizabeth Lawson , Amy Lynn Kerin
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q20/385 , G06Q40/00 , Y10S707/99931
摘要： Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consumer account number, where the alteration is performed in accordance with one or more of the stored alteration rules. The modified consumer account number may then be transmitted to the particular payee to be utilized, for example, when processing a payment.
摘要翻译：提供商业数据库的汇款处理的系统和方法，其包括与特定收款人相关联的一个或多个变更规则。与付款人相关联的消费者帐号被接收并改变为经修改的消费者帐号，其中根据所存储的一个或多个变更规则执行所述更改。然后，经修改的消费者帐号可以被传送到特定收款人以被使用，例如在处理支付时。

68. 发明申请

US20080162325A1 Systems and Methods for Automatically Backing Out Buy Orders 失效
标题翻译：自动支付买单的系统和方法
公开(公告)号：US20080162325A1
公开(公告)日：2008-07-03
申请号：US11618282
申请日：2006-12-29
申请人： Joseph A. Barone , William McKinney , Michele Pierdinock , Hari Nanjundamoorthy
发明人： Joseph A. Barone , William McKinney , Michele Pierdinock , Hari Nanjundamoorthy
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/00
摘要： A system and method for identifying a candidate set of at least one buy order associated with an investment account, determining a back out target value that identifies a fiscal amount by which the candidate set must to be reduced, and progressively decrementing a respective initial asset quantity of one or more buy orders of the candidate set until the back out target value is achieved at a final asset quantity of the one or more buy orders. The candidate set of buy orders can then be modified by replacing the respective initial asset quantity with the respective final asset quantity for at least one of the one or more buy orders. The modified candidate set of buy orders can then be provided for trade execution.
摘要翻译：一种用于识别与投资账户相关联的至少一个购买订单的候选组的系统和方法，确定识别所述候选集合必须减少的财政金额的退出目标值，并且逐渐递减相应的初始资产数量一个或多个候选人的购买订单，直到在一个或多个买单的最终资产数量达到退出目标值。然后可以通过将相应的初始资产数量替换为一个或多个购买订单中的至少一个购买订单的相应最终资产数量来修改候选组买单。然后，可以提供修改后的买入订单集合以进行交易执行。

69. 发明授权

US07392223B1 Electronic billing with updateable electronic bill summary 失效
标题翻译：电子帐单与可更新的电子账单摘要
公开(公告)号：US07392223B1
公开(公告)日：2008-06-24
申请号：US09387764
申请日：1999-09-01
申请人： Ravi Ganesan , Kenneth Hobday
发明人： Ravi Ganesan , Kenneth Hobday
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00 , G06Q20/10 , G06Q20/102 , G06Q30/04 , G06Q40/00
摘要： An electronic bill payment network includes a plurality of user network stations associated with different users, a plurality of biller network stations associated with different billers, and a central network station. A first user station operates, in real time, to transmit information relevant to an amount of an available bill and an instruction to pay the available bill. A first biller station operates, in real time, to receive the transmitted information and to compute the amount of the available bill based upon the received information. The central network station operates to receive the computed amount of the available bill and the transmitted pay instruction, and to direct payment of the computed amount of the available bill based upon the transmitted instruction to pay that bill.
摘要翻译：电子账单支付网络包括与不同用户相关联的多个用户网络站，与不同的账单相关联的多个账单网络站以及中央网络站。第一用户站实时地运行与可用账单的数量相关的信息和支付可用账单的指令。实时地，第一个报价站操作接收所发送的信息，并根据接收到的信息计算可用账单的数量。中央网络台操作以接收计算出的可用账单金额和所发送的支付指令，并且基于发送的指令直接支付所计算的可用账单金额以支付该账单。

70. 发明授权

US07366696B1 Electronic billing with flexible biller controlled electronic bill presentment 失效
标题翻译：电子帐单与灵活的账单控制电子账单呈现
公开(公告)号：US07366696B1
公开(公告)日：2008-04-29
申请号：US09414731
申请日：1999-10-08
申请人： Ravi Ganesan , Kenneth Hobday
发明人： Ravi Ganesan , Kenneth Hobday
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： An electronic bill presentment network includes a central network station and a plurality of different user stations. The central network station transmits bill availability information to the user stations to identify available bills of different billers for the different users. Information associated with each available bill of a respective biller is available at one of multiple networks addresses associated with that biller. The associated information could, for example, be the bill itself and/or promotional information. Each user station is associated with a respective one of the users and receives the transmitted bill availability information for its associated user and selects one of the identified available bills, such as for viewing or payment. A user station associated with a first user is linked to the first network address associated with the bills of the first biller, based on a bill selection by the first user station. A second user station associated with a second user is linked to the second network address associated with the bills of the first biller based on a bill selection by the second user station.
摘要翻译：电子账单呈现网络包括中央网络站和多个不同的用户站。中央网络台将账单可用性信息发送给用户站，以识别不同用户的不同账户的可用账单。与相应的帐单的每个可用帐单相关联的信息可在与该帐单相关联的多个网络地址之一处获得。例如，相关信息可以是帐单本身和/或促销信息。每个用户站与相应的一个用户相关联，并接收其相关用户的发送的账单可用性信息，并且选择所识别的可用账单之一，例如用于查看或支付。基于第一用户站的票据选择，与第一用户相关联的用户站被链接到与第一帐单的账单相关联的第一网络地址。基于第二用户站的纸币选择，与第二用户相关联的第二用户站被链接到与第一报价者的纸币相关联的第二网络地址。

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