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1. 发明授权

US08086508B2 Method and apparatus for delegating authority 有权
标题翻译：委托权力的方法和设备
公开(公告)号：US08086508B2
公开(公告)日：2011-12-27
申请号：US10134046
申请日：2002-04-26
申请人： Sanjeev Dheer , Venkatachari Dilip , Roy Messing , Jeremy Sokolic , Manu Sareen , Gautam Sinha
发明人： Sanjeev Dheer , Venkatachari Dilip , Roy Messing , Jeremy Sokolic , Manu Sareen , Gautam Sinha
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06F17/30899 , G06Q40/00 , G06Q40/06
摘要： A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network.
摘要翻译：授权制度允许帐户持有者通过第三方服务将权力授予一个或多个个人，如财务顾问。个人获得访问财务帐户和/或访问汇总的财务数据的权限。然后，个人可以从个人帐户或从汇总的财务数据中检索帐户信息。在示例性系统中，通过因特网或另一数据通信网络访问帐户信息。

2. 发明申请

US20120089500A1 METHOD AND APPARATUS FOR DELEGATING AUTHORITY 审中-公开
标题翻译：删除权限的方法和装置
公开(公告)号：US20120089500A1
公开(公告)日：2012-04-12
申请号：US13328804
申请日：2011-12-16
申请人： Sanjeev Dheer , Venkatachari Dilip , Roy Messing , Jeremy Sokolic , Manu Sareen , Gautam Sinha
发明人： Sanjeev Dheer , Venkatachari Dilip , Roy Messing , Jeremy Sokolic , Manu Sareen , Gautam Sinha
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06F16/957 , G06Q40/00 , G06Q40/06
摘要： A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network.
摘要翻译：授权制度允许帐户持有者通过第三方服务将权力授予一个或多个个人，如财务顾问。个人获得访问财务帐户和/或访问汇总的财务数据的权限。然后，个人可以从个人帐户或从汇总的财务数据中检索帐户信息。在示例性系统中，通过因特网或另一数据通信网络访问帐户信息。

3. 发明申请

US20070162769A1 Multiple trust modes for handling data 有权
标题翻译：用于处理数据的多种信任模式
公开(公告)号：US20070162769A1
公开(公告)日：2007-07-12
申请号：US11714627
申请日：2007-03-05
申请人： Jeremy Sokolic , Sanjeev Dheer , Venkatachari Dilip
发明人： Jeremy Sokolic , Sanjeev Dheer , Venkatachari Dilip
IPC分类号： G06F12/14
CPC分类号： G06F21/6245 , G06Q20/382 , G06Q40/08 , H04L63/083
摘要： A user is presented with multiple modes of operation, such that the multiple modes of operation define different trust options for handling data (such as login credentials or other sensitive data) associated with the user. A selection of one of. the multiple modes of operation is received from the user. Data associated with the user is handled in accordance with the selected mode of operation.
摘要翻译：向用户呈现多种操作模式，使得多种操作模式定义用于处理与用户相关联的数据（例如登录凭证或其他敏感数据）的不同信任选项。其中一个选择。从用户接收到多种操作模式。与用户相关联的数据根据所选择的操作模式进行处理。

4. 发明申请

US20060047724A1 Method and apparatus for retrieving and processing data 有权
公开(公告)号：US20060047724A1
公开(公告)日：2006-03-02
申请号：US11209178
申请日：2005-08-22
申请人： Roy Messing , Jeremy Sokolic , Sanjeev Dheer , Venkatachari Dilip
发明人： Roy Messing , Jeremy Sokolic , Sanjeev Dheer , Venkatachari Dilip
IPC分类号： G06F17/30
CPC分类号： G06F17/30899 , Y10S707/95 , Y10S707/99942 , Y10S707/99943 , Y10S707/99944 , Y10S707/99945
摘要： Data is captured from a web site or other data source. Data is extracted from the web page using a data harvesting script or other data acquisition routine. The extracted data is then normalized and stored in a database. If data cannot be extracted from the web page, a copy of the captured web page is stored without personal information contained in the web page. The data harvesting script is then edited based on an analysis of the captured web page.

5. 发明申请

US20070100748A1 Multi-channel transaction system for transferring assets between accounts at different financial institutions 审中-公开
标题翻译：用于在不同金融机构账户之间转账资产的多渠道交易系统
公开(公告)号：US20070100748A1
公开(公告)日：2007-05-03
申请号：US11584783
申请日：2006-10-19
申请人： Sanjeev Dheer , Jeremy Sokolic , Amir Sunderji , Behram Panthaki
发明人： Sanjeev Dheer , Jeremy Sokolic , Amir Sunderji , Behram Panthaki
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/24 , G06Q20/26 , G06Q20/40 , G06Q40/02
摘要： Embodiments of a system for providing an integrated financial system to facilitate the transfer of funds among accounts held at different financial institutions and over different networks are described. The system executes a transaction involving a withdrawal of assets from a first account at a first financial institution and a deposit of at least a portion of the withdrawn assets to a second account at a second financial institution. The first account and the second account are maintained by different corporate entities, and may have the same or different account holders. The financial institutions are coupled to one another through different types of networks. The transaction is broken down into separate debit and credit legs. An integrated transfer process selects the optimum network to perform each leg of the transaction based upon constraints associated with the transaction and user preferences, such as cost and speed of the transaction, and restrictions or rules imposed by the networks and/or the financial institutions.
摘要翻译：描述了用于提供综合金融系统以促进在不同金融机构和不同网络所持有的账户之间转移资金的系统的实施例。该系统执行涉及从第一金融机构的第一帐户提取资产并将至少一部分已撤回资产存入第二金融机构的第二帐户的交易。第一个帐户和第二个帐户由不同的公司实体维护，可能拥有相同或不同的账户持有人。金融机构通过不同类型的网络相互耦合。交易分为单独的借方和信用额度。综合转移过程根据交易和用户偏好（例如交易的成本和速度）以及由网络和/或金融机构施加的限制或规则来选择最佳网络来执行交易的每一条。

6. 发明申请

US20070067239A1 Method and Apparatus for Transferring Financial Information 审中-公开
标题翻译：转移财务信息的方法和手段
公开(公告)号：US20070067239A1
公开(公告)日：2007-03-22
申请号：US11465007
申请日：2006-08-16
申请人： Sanjeev Dheer , Gautam Sinha , Balraj Suneja , Manish Vrishaketu , Jeremy Sokolic
发明人： Sanjeev Dheer , Gautam Sinha , Balraj Suneja , Manish Vrishaketu , Jeremy Sokolic
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/102 , G06Q20/108 , G06Q20/405 , G06Q30/08
摘要： A request is received to transfer bill payment data from a first account associated with a first entity to a second account associated with a second entity. Bill payment information is retrieved from the first entity. The second account is accessed and the bill payment data is established at the second entity.
摘要翻译：接收请求以将账单支付数据从与第一实体相关联的第一帐户转移到与第二实体相关联的第二帐户。从第一个实体检索帐单支付信息。访问第二个帐户，并在第二个实体建立账单支付数据。

7. 发明申请

US20050187862A1 Compliance monitoring method and apparatus 失效
标题翻译：合规监测方法和装置
公开(公告)号：US20050187862A1
公开(公告)日：2005-08-25
申请号：US10739892
申请日：2003-12-18
申请人： Sanjeev Dheer , Jeremy Sokolic
发明人： Sanjeev Dheer , Jeremy Sokolic
IPC分类号： G06F17/30 , G06Q40/00 , G06F17/60
CPC分类号： G06F17/30899 , G06Q20/10 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： A compliance monitoring system and method identifies an individual or entity to be monitored for account compliance and receives account information associated with the individual or entity. The compliance monitoring system and method obtains holdings in the account and determines whether the holdings in the account comply with a predetermined rule.
摘要翻译：合规性监控系统和方法识别待监控的个人或实体进行帐户合规，并接收与个人或实体相关联的帐户信息。合规监控系统和方法获取账户中的持有量，并确定账户中的持有是否符合预定规则。

8. 发明申请

US20080288376A1 Centralized payment hub method and system 审中-公开
标题翻译：集中支付中心的方法和系统
公开(公告)号：US20080288376A1
公开(公告)日：2008-11-20
申请号：US12109318
申请日：2008-04-24
申请人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
发明人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
IPC分类号： G06Q20/00 , G06Q10/00 , G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/102 , G06Q20/10 , G06Q20/1085 , G06Q40/02 , G06Q40/12
摘要： Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). In another embodiment, a financial management system hosts a “central payment hub” version of the CET service. The central payment hub is an industrial utility in that multiple financial institutions all participate in a central service that can be offered to their respective customers. All of the customers (both individuals and small businesses) of the various institutions come to one consolidated payment hub. For example a Bank of America invoice can come into the payment hub, and a Wells Fargo invoice can come into the payment hub. The payment hub is a shared utility across multiple financial institutions. The payment hub features a single registration at the payment hub across all of the participating financial institutions.
摘要翻译：本文描述的实施例包括电子交易服务网络（此处也称为集中式电子交易（CET）服务）。在另一个实施例中，财务管理系统托管CET服务的“中央支付中心”版本。中央支付中心是一个工业实用程序，因为多个金融机构都参与可以向其各自客户提供的中央服务。各机构的所有客户（个人和小型企业）来到一个综合支付中心。例如，美国银行发票可以进入支付中心，而富国银行的发票可以进入支付中心。支付中心是跨多个金融机构的共享实用程序。支付中心在所有参与金融机构的支付中心设有单一注册。

9. 发明授权

US08874480B2 Centralized payment method and system for online and offline transactions 有权
标题翻译：集中支付方式和在线和线下交易系统
公开(公告)号：US08874480B2
公开(公告)日：2014-10-28
申请号：US13488403
申请日：2012-06-04
申请人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
发明人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
IPC分类号： G06Q40/00 , G06Q20/10
CPC分类号： G06Q20/102 , G06Q20/10 , G06Q20/1085 , G06Q40/02 , G06Q40/12
摘要： Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which a customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.
摘要翻译：本文描述的实施例包括电子交易服务网络（此处也称为集中式电子交易（CET）服务）。根据实施例，财务管理系统代表多个商家托管多个CET网站。通过CET网站进行的所有交易均由财务管理系统执行和管理。商家可以定制他们的网站，以包含品牌的外观和感觉。商家网站是客户可以注册的CET服务的一部分。然后，注册客户可以查看并支付任何拥有CET网站的商家的发票，无论购买是在线还是离线。客户指定CET服务的偏好，包括选择现有的客户帐户，财务管理系统将从该客户账户代表客户支付发票。这样就不需要像传统的方法一样，客户开立和分配单独的支付账户。

10. 发明申请

US20080288400A1 Centralized Payment Method and System for Online and Offline Transactions 审中-公开
标题翻译：在线和离线交易的集中支付方式和系统
公开(公告)号：US20080288400A1
公开(公告)日：2008-11-20
申请号：US12109309
申请日：2008-04-24
申请人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
发明人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/102 , G06Q20/10 , G06Q20/1085 , G06Q40/02 , G06Q40/12
摘要： Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service)=According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.
摘要翻译：本文描述的实施例包括电子交易服务网络（此处也称为集中式电子交易（CET）服务）=根据实施例，财务管理系统代表多个商家托管多个CET网站。通过CET网站进行的所有交易均由财务管理系统执行和管理。商家可以定制他们的网站，以包含品牌的外观和感觉。商家网站是客户可以注册的CET服务的一部分。然后，注册客户可以查看并支付任何拥有CET网站的商家的发票，无论购买是在线还是离线。客户指定CET服务的偏好，包括选择现有的客户帐户，财务管理系统将从该客户账户代表客户支付发票。这样就不需要像传统的方法一样，客户开立和分配单独的支付账户。

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