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1. 发明申请

US20110184864A1 CASH FOLDING APPARATUS AND METHOD 有权
标题翻译：现金折叠装置和方法
公开(公告)号：US20110184864A1
公开(公告)日：2011-07-28
申请号：US12695867
申请日：2010-01-28
申请人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl (II) Frederick , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
发明人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl (II) Frederick , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
IPC分类号： G06Q40/00 , B65D83/08
CPC分类号： G07F19/201 , G06Q20/1085 , G07D11/0021 , G07F19/20 , G07F19/203 , G09B21/003
摘要： Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.
摘要翻译：本发明的实施例通过例如提供自动柜员机（ATM）或其他配置成向客户分配折叠票据的自动提款机来为视障者提供货币解决方案。纸币根据面额进行折叠，以便客户从自动提款机接收纸币以能够识别每个纸币的面额。在一些实施例中，自动提款机被配置为自动识别客户是否喜欢接收折叠纸币，并且在一些实施例中，自动提款机被配置为根据客户偏好来折叠和分发纸币。

2. 发明授权

US08469262B2 Cash folding apparatus and method 有权
标题翻译：现金折叠装置及方法
公开(公告)号：US08469262B2
公开(公告)日：2013-06-25
申请号：US12695867
申请日：2010-01-28
申请人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
发明人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G07F19/201 , G06Q20/1085 , G07D11/0021 , G07F19/20 , G07F19/203 , G09B21/003
摘要： Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.
摘要翻译：本发明的实施例通过例如提供自动柜员机（ATM）或其他配置成向客户分配折叠票据的自动提款机来为视障者提供货币解决方案。纸币根据面额进行折叠，以便客户从自动提款机接收纸币以能够识别每个纸币的面额。在一些实施例中，自动提款机被配置为自动识别客户是否喜欢接收折叠纸币，并且在一些实施例中，自动提款机被配置为根据客户偏好来折叠和分发纸币。

3. 发明授权

US08108292B1 Asset reallocation 有权
标题翻译：资产重新分配
公开(公告)号：US08108292B1
公开(公告)日：2012-01-31
申请号：US12550835
申请日：2009-08-31
申请人： William F. Borowski
发明人： William F. Borowski
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/06
摘要： Embodiments of the present invention relate to systems, methods and computer program products for automatically reallocating assets by directing assets from a primary fund to secondary fund, where the primary and secondary funds have distinct but complementary investment strategies. For example, to reallocate assets held in a primary portfolio of a mutual fund, embodiments of the present invention create a secondary portfolio within the mutual fund. Then, using earnings from the primary portfolio, embodiments of the present invention purchase at least one asset to be held in the secondary portfolio and grow that asset by continuing to direct earnings from the primary portfolio to the secondary portfolio. When the asset reaches a predetermined size, embodiments of the present invention transfer the asset to a newly created and separately managed mutual fund.
摘要翻译：本发明的实施例涉及通过将资金从初级基金引导到二级基金来自动重新分配资产的系统，方法和计算机程序产品，其中一级和二级基金具有不同但互补的投资策略。例如，为了重新分配在共同基金的主要投资组合中持有的资产，本发明的实施例在共同基金内创建次要投资组合。然后，使用主要投资组合的收益，本发明的实施例购买至少一个将被持有在二级投资组合中的资产，并通过继续将主要投资组合的直接收益直接继承到次级投资组合来扩大该资产。当资产达到预定尺寸时，本发明的实施例将资产转移到新创建和分开管理的共同基金。

4. 发明申请

US20100241545A1 MASTER FINANCIAL ACCOUNT 审中-公开
标题翻译：主金融账户
公开(公告)号：US20100241545A1
公开(公告)日：2010-09-23
申请号：US12407842
申请日：2009-03-20
申请人： Sean M. O'Connor , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Susan S. Thomas , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
发明人： Sean M. O'Connor , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Susan S. Thomas , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： Apparatus and methods for configuring a master financial account providing comprehensive access to financial services are provided. A master account may be configured for a customer of a financial institution. The master account holder may build a customized array of financial services which may be accessed and managed through the master account. Benefits associated with use of a sub-account may accrue collectively in the master account.
摘要翻译：提供了配置提供金融服务综合访问权限的主金融账户的设备和方法。可以为金融机构的客户配置主账户。主账户持有人可以构建一系列可以通过主账户访问和管理的金融服务。与使用子帐户相关的利益可能会在主账户中集体产生。

5. 发明申请

US20100250430A1 SYSTEMS AND METHODS FOR DETERMINING A FINANCIAL HEALTH INDICATOR 有权
标题翻译：用于确定财务健康指标的系统和方法
公开(公告)号：US20100250430A1
公开(公告)日：2010-09-30
申请号：US12414435
申请日：2009-03-30
申请人： Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
发明人： Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of their current credit worthiness and their current ability to save in relation to a budget. In this regard, the financial health indicator is based on a user's credit report score, such as one or more FICO type credit scores and the user's savings as indicated by a budget tracking system. In embodiments of the invention in which the financial health indicator is implemented in conjunction with a budget tracking system, the financial health indicator provides necessary feedback to the user that serves to inform the user as to how they are performing in terms of staying on track to their individual budget allocations. Additionally, in certain embodiments, the provider of the budget tracking system may provide for awards based on achieving a predefined financial health indicator level and/or score.
摘要翻译：为财务健康指标提供系统，方法和计算机程序产品。财务健康指标根据目前的信用状况和目前与预算相关的节省能力，提供用户财务状况的动态指示。在这方面，财务健康指标基于用户的信用报告分数，例如一个或多个FICO类型信用评分，以及由预算跟踪系统指示的用户的储蓄。在其中财务健康指标与预算跟踪系统一起实施的本发明的实施例中，财务健康指示器向用户提供必要的反馈，用于向用户通知关于如何在正在进行中他们的个人预算拨款。另外，在某些实施例中，预算跟踪系统的提供者可以基于实现预定义的财务健康指标水平和/或得分来提供奖励。

6. 发明申请

US20100241546A1 PERSONAL FINANCIAL NETWORK 有权
标题翻译：个人财务网络
公开(公告)号：US20100241546A1
公开(公告)日：2010-09-23
申请号：US12407877
申请日：2009-03-20
申请人： Susan S. Thomas , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Sean M. O'Connor , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
发明人： Susan S. Thomas , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Sean M. O'Connor , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , James P. Kirkman , Jeffrey H. Bierer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another.
摘要翻译：提供了用于提供个人金融网络服务的装置和方法。该方法可以使用电子信息处理平台。该方法可以包括存储与第一参与者帐户有关的信息。该方法还可以包括存储与第二参与者帐户有关的信息。本发明的系统和方法还可以包括存储与包含第一参与者和第二参与者帐户的一组帐户有关的信息，其中第一所述帐户和第二所述帐户彼此独立地存储。

7. 发明授权

US08412622B2 Systems and methods for determining a financial health indicator 有权
标题翻译：确定财务健康指标的系统和方法
公开(公告)号：US08412622B2
公开(公告)日：2013-04-02
申请号：US12414435
申请日：2009-03-30
申请人： Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
发明人： Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of their current credit worthiness and their current ability to save in relation to a budget. In this regard, the financial health indicator is based on a user's credit report score, such as one or more FICO type credit scores and the user's savings as indicated by a budget tracking system. In embodiments of the invention in which the financial health indicator is implemented in conjunction with a budget tracking system, the financial health indicator provides necessary feedback to the user that serves to inform the user as to how they are performing in terms of staying on track to their individual budget allocations. Additionally, in certain embodiments, the provider of the budget tracking system may provide for awards based on achieving a predefined financial health indicator level and/or score.
摘要翻译：为财务健康指标提供系统，方法和计算机程序产品。财务健康指标根据目前的信用状况和目前与预算相关的节省能力，提供用户财务状况的动态指示。在这方面，财务健康指标基于用户的信用报告分数，例如一个或多个FICO类型信用评分，以及由预算跟踪系统指示的用户的储蓄。在其中财务健康指标与预算跟踪系统一起实施的本发明的实施例中，财务健康指示器向用户提供必要的反馈，用于向用户通知关于如何在正在进行中他们的个人预算拨款。另外，在某些实施例中，预算跟踪系统的提供者可以基于实现预定义的财务健康指标水平和/或得分来提供奖励。

8. 发明申请

US20100241584A1 FLEXIBLE DESIGN PENSION ACCOUNT 审中-公开
标题翻译：灵活设计退休帐户
公开(公告)号：US20100241584A1
公开(公告)日：2010-09-23
申请号：US12407874
申请日：2009-03-20
申请人： James P. Kirkman , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Susan S. Thomas , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , Sean M. O'Connor , Jeffrey H. Bierer
发明人： James P. Kirkman , William F. Borowski , Kazi M. Ariff , Carol A. Smith , Judith M. Anderson , Steven K. Hayes , Thomas D. Kelley , Neal G. Wolfson , Susan S. Thomas , Russell W. Tipper , Jeffrey P. Judd , William J. Aheron , Yicong Li , Shane A. Johnson , Sean M. O'Connor , Jeffrey H. Bierer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/06
摘要： Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax-deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator.
摘要翻译：提供了用于配置灵活养老金账户的设备和方法。灵活的养老金账户可以作为金融机构的产品提供。可以选择用于管理账户资金分配，帐户资金分配，帐户修改和帐户管理的条款，以创建根据个人客户需求定制的账户。帐户设计中的灵活性允许来自各种贡献者的不平等贡献以及向各种受益者分配不平等。灵活的设计可以在某些实施例中与减税增长和最低收入保证相结合。帐户管理和修改可能由帐户管理员掌握。

9. 发明申请

US20100250421A1 SYSTEMS AND METHODS FOR DETERMINING THE BUDGET IMPACT OF PURCHASES, POTENTIAL PURCHASES AND COST ADJUSTMENTS 审中-公开
标题翻译：用于确定购买，潜在购买和成本调整的预算影响的系统和方法
公开(公告)号：US20100250421A1
公开(公告)日：2010-09-30
申请号：US12414439
申请日：2009-03-30
申请人： Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
发明人： Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： Systems, methods, and computer program products are provided for a dynamic determination of the budget impact on expenditures, such as expenditures, potential expenditures, cost adjustments and the like. Implemented in conjunction with a budget tracking system, the budget impact determiner of the present invention may provide for both short-term budget impact and long-term budget impact. In addition, certain embodiments provide for recognizing recurring expenditures and automatically providing the user with the budget impact of such recurring expenditures.
摘要翻译：提供系统，方法和计算机程序产品，用于动态确定预算对支出的影响，如支出，潜在支出，成本调整等。与预算跟踪系统一起实施，本发明的预算影响确定者可以提供短期预算影响和长期预算影响。此外，某些实施例提供用于识别经常性支出并自动向用户提供这种经常性支出的预算影响。

10. 发明申请

US20100250420A1 SYSTEMS AND METHODS FOR BUDGET GUARDRAILS 审中-公开
标题翻译：预算管理系统和方法
公开(公告)号：US20100250420A1
公开(公告)日：2010-09-30
申请号：US12414433
申请日：2009-03-30
申请人： Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
发明人： Kazi M. Ariff , Carol A. Smith , Shane A. Johnson , Russell W. Tipper , Yicong Li , Sean M. O'Connor , Thomas D. Kelley , Susan S. Thomas , William F. Borowski , William J. Aheron , Judith M. Anderson , Steven K. Hayes , Neal G. Wolfson , Jeffrey P. Judd , James P. Kirkman , Jeffrey H. Bierer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/12 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for user-configured spending guardrails in a budget tracking system. The use of spending guardrails is instrumental in insuring that the user of the budget tracking system adheres to their assigned budget. By providing for dynamically configurable spending thresholds the user may define, change, suspend or the like spending guardrails as dictated by current circumstances. The configurable nature of the guardrails insures that guardrails are tailored to the needs of the individual user.
摘要翻译：在预算跟踪系统中为用户配置的消费护栏提供系统，方法和计算机程序产品。使用支出护栏有助于确保预算跟踪系统的用户遵守其分配的预算。通过提供可动态配置的支出阈值，用户可以根据当前情况来定义，更改，暂停等消费护栏。护栏的可配置性确保护栏符合个人用户的需求。

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