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1. 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。

2. 发明申请

US20120116969A1 Interactive Bill Payment Center 有权
标题翻译：互动帐单支付中心
公开(公告)号：US20120116969A1
公开(公告)日：2012-05-10
申请号：US13349915
申请日：2012-01-13
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： G06Q40/02
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 that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link, an interactive calendar link, a plurality of interactive drop-down 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.
摘要翻译：一种提供账单支付模块的软件套件，包括列出账单和支付账户的交互式主界面，交互式历史链接，嵌入在主界面中的交互式设置链接，交互式转移资金链接，交互式日历链接，多个交互式下拉菜单，其在调用时提供用于处理所列出的帐单的多个可选择的交互选项以及嵌入在主界面中的交互式刷新全部链接。

3. 发明授权

US07991673B2 Portfolio synchronizing between different interfaces 有权
标题翻译：不同界面之间的投资组合同步
公开(公告)号：US07991673B2
公开(公告)日：2011-08-02
申请号：US12621225
申请日：2009-11-18
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： 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。

4. 发明授权

US07937325B2 Interactive bill payment center 有权
标题翻译：互动票据支付中心
公开(公告)号：US07937325B2
公开(公告)日：2011-05-03
申请号：US09785929
申请日：2001-02-16
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： 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 server on a data network including software for providing a bill payment service for a user comprising a bill-payment module for navigating to the user's multiple data sources on the data network collecting and aggregating data on behalf of the user comprising, a main interface for listing the bills due and payment accounts of the user, a plurality of links enabling viewing and manipulation of bill history, recurring payments, and automated transfer of funds between registered accounts and a link for viewing calendar data. The system further provides a plurality of drop-down menus wherein each menu is associated with a listed bill, the menus providing a plurality of selectable, interactive options for viewing, managing and paying a bill and a link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface.
摘要翻译：一种数据网络上的服务器，包括用于为用户提供账单支付服务的软件，其包括用于导航到数据网络上的用户的多个数据源的账单支付模块，用于代表用户收集和聚集数据，包括：主界面列出用户的账单到期和支付帐户，多个链接，使得能够观看和操纵账单历史，定期支付，以及在注册账户与用于查看日历数据的链接之间的资金的自动转账。该系统还提供多个下拉菜单，其中每个菜单与列出的纸币相关联，菜单提供多个可选择的交互式选项，用于查看，管理和支付纸币以及嵌入在主界面中的链接，以使选择性或完成数据刷新界面中显示的数据。

5. 发明申请

US20100185556A1 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：US20100185556A1
公开(公告)日：2010-07-22
申请号：US12621225
申请日：2009-11-18
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： 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。

6. 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。

7. 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。

8. 发明授权

US08560450B2 Interactive bill payment center 有权
标题翻译：互动票据支付中心
公开(公告)号：US08560450B2
公开(公告)日：2013-10-15
申请号：US13349915
申请日：2012-01-13
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： G06Q40/00 , G06Q20/10 , G06Q40/02
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 that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link, an interactive calendar link, a plurality of interactive drop-down 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.
摘要翻译：一种提供账单支付模块的软件套件，包括列出账单和支付账户的交互式主界面，交互式历史链接，嵌入在主界面中的交互式设置链接，交互式转移资金链接，交互式日历链接，多个交互式下拉菜单，其在调用时提供用于处理所列出的帐单的多个可选择的交互选项以及嵌入在主界面中的交互式刷新全部链接。

9. 发明授权

US08103587B2 Interactive bill payment center 有权
标题翻译：互动票据支付中心
公开(公告)号：US08103587B2
公开(公告)日：2012-01-24
申请号：US13073213
申请日：2011-03-28
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： 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 that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link an interactive calendar link, a plurality of interactive drop-down 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.
摘要翻译：一种软件套件，其提供一个帐单支付模块，并且包括列出账单和支付账户的交互式主界面，交互式历史链接，嵌入在主界面中的交互式设置链接，交互式转移资金链接交互式日历链接多个交互式下拉菜单，其在调用时提供用于处理列出的帐单的多个可选择的交互选项以及嵌入在主界面中的交互式刷新全部链接。

10. 发明申请

US20110282782A1 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：US20110282782A1
公开(公告)日：2011-11-17
申请号：US13188796
申请日：2011-07-22
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： 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： An account coordination system includes an Internet-connected server executing software from a non-transitory, machine-readable medium. The software provides direct linking between the server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account, direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises, and tracking functionality whereby the server tracks activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts. The server propagates any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces.
摘要翻译：帐户协调系统包括从非暂时的机器可读介质执行软件的因特网连接的服务器。该软件提供服务器与托管每个至少一个特定用户的金融帐户的两个或多个金融企业之间的直接链接，并且具有用户可以通过该互动界面与他/她的帐户交互的交互界面，直接链接服务器与一个或多个更多的第三方企业提供交互式界面，用户可以通过该交互界面访问和与金融企业的一个或多个财务帐户进行交互，并跟踪服务器跟踪用户在用户通过哪些交互界面进行的活动可以与其中一个财务账户进行交互。服务器将用户在任何一个交互界面的帐户中进行的任何更改传播到托管其他交互式界面的站点。

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