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51. 发明申请

US20020054587A1 Integrated customer web station for web based call management 失效
标题翻译：综合客户网站，用于基于网络的呼叫管理
公开(公告)号：US20020054587A1
公开(公告)日：2002-05-09
申请号：US09945589
申请日：2001-09-04
发明人： Thomas E. Baker , Susan L. Chaffee , Yuchien Chen , Charles J. Gruber , Howard P. Fishman
IPC分类号： H04L012/66
CPC分类号： H04L63/02 , G06F11/0709 , G06F11/0757 , G06F11/0769 , G06F11/0775 , G06F11/0781 , G06F11/0784 , G06F11/202 , G06F11/32 , G06F11/324 , G06F11/327 , G06F11/328 , G06F11/3495 , G06F17/30893 , G06F21/00 , G06F21/41 , G06F21/552 , G06F2201/81 , G06F2201/86 , G06F2201/875 , G06F2221/2137 , G06F2221/2149 , G06Q10/10 , G06Q10/107 , G06Q20/102 , G06Q20/382 , G06Q30/02 , G06Q30/06 , G06Q30/0601 , G06Q30/0609 , G06Q30/0635 , G06Q99/00 , H04L12/14 , H04L12/1428 , H04L29/06027 , H04L41/0213 , H04L41/0233 , H04L41/024 , H04L41/0253 , H04L41/06 , H04L41/0681 , H04L41/08 , H04L41/0803 , H04L41/0879 , H04L41/142 , H04L41/18 , H04L41/22 , H04L41/28 , H04L41/5009 , H04L41/5022 , H04L41/5029 , H04L41/5032 , H04L41/5035 , H04L41/5061 , H04L41/5064 , H04L41/5067 , H04L41/5074 , H04L41/5083 , H04L41/5096 , H04L43/00 , H04L43/024 , H04L43/045 , H04L43/06 , H04L43/062 , H04L43/065 , H04L43/067 , H04L43/0805 , H04L43/0811 , H04L43/0817 , H04L43/0829 , H04L43/0847 , H04L43/0852 , H04L43/0876 , H04L43/0888 , H04L43/0894 , H04L43/10 , H04L43/106 , H04L43/16 , H04L51/00 , H04L63/0209 , H04L63/0218 , H04L63/0236 , H04L63/0272 , H04L63/0281 , H04L63/0428 , H04L63/0442 , H04L63/0464 , H04L63/08 , H04L63/0807 , H04L63/0815 , H04L63/0823 , H04L63/083 , H04L63/162 , H04L63/166 , H04L63/168 , H04L63/18 , H04L65/4007 , H04L65/80 , H04M3/5175 , H04M3/5191 , H04M15/00 , H04M15/41 , H04M15/43 , H04M15/44 , H04M15/49 , H04M15/51 , H04M15/58 , H04M15/705 , H04M15/721 , H04M15/745 , H04M15/80 , H04M15/8044 , H04M15/83 , H04M15/8351 , H04M15/84 , H04M2215/0104 , H04M2215/0108 , H04M2215/0152 , H04M2215/0164 , H04M2215/0168 , H04M2215/0176 , H04M2215/018 , H04M2215/0188 , H04M2215/42 , H04M2215/46 , H04M2215/54 , H04M2215/7009 , H04M2215/7045 , H04M2215/745 , H04M2215/81 , H04M2215/8108 , H04M2215/8129 , H04M2215/82 , Y10S379/90 , Y10S707/99931 , Y10S707/99937 , Y10S707/99938 , Y10S707/99939 , Y10S707/99944 , Y10S715/969
摘要： A Web-based call routing management workstation application which allows authorized customers to control toll free routing and monitor call center status. An architecture including one or more web servers located in a firewalled demilitarized zone (DMZ) as communications medium between the customer workstations at the customer sites and the enterprise back-end applications providing the call routing management services, provides a secure infrastructure for accessing the enterprise applications via the otherwise insecure public Internet. The present invention enables creation and management of call by call routing rules by a customer with a workstation having an Internet access and a supported Web browser. The customized rules may be tested and/or debugged via the Web-enabled workstation, using a debugger/tester which runs the routing rules under a simulated environment. In addition, customers may provision hierarchies for their business; create, modify or delete agent pools; manipulate capacity tables; and define quota schemes, value lists and schedule tables, all at the customer site via the Web-enabled workstation. The present invention also enables the customers to view near real-time displays of call center ACD statistics and peg counts based on routing rules, as well as, run provisioning and statistical reports on provisioning and statistical data and also to extract the data for further analysis. Additionally, the present invention supports foreign language and branding features on a graphical user interface. An infrastructure is provided which enables secure initiation, acquisition, and presentation of the call manager functionalities to customers from any computer workstation having a web browser and located anywhere in the world.
摘要翻译：基于Web的呼叫路由管理工作站应用程序，允许授权客户控制免费路由和监控呼叫中心状态。包括位于防火墙非军事区（DMZ）中的一个或多个Web服务器的架构作为客户站点的客户工作站和提供呼叫路由管理服务的企业后端应用程序之间的通信介质，提供访问企业的安全基础设施通过其他不安全的公共互联网应用。本发明能够通过具有因特网访问的工作站和支持的Web浏览器的客户来创建和管理来电呼叫路由规则。可以通过启用Web的工作站使用在仿真环境下运行路由规则的调试器/测试器来测试和/或调试自定义规则。此外，客户可以为其业务提供层次结构; 创建，修改或删除代理池; 操纵能力表; 并通过启用Web的工作站在客户站点定义配额方案，价值表和计划表。本发明还使客户能够基于路由规则查看呼叫中心ACD统计数据和挂起计数的近实时显示，以及运行提供和统计数据的提供和统计报告，并提取数据进行进一步分析。此外，本发明在图形用户界面上支持外语和品牌特征。提供了一种基础设施，其能够从具有网络浏览器并位于世界任何地方的任何计算机工作站向客户安全地启动，获取和呈现呼叫管理器功能。

52. 发明授权

US06201956B1 Voice mail based billing delivery system 有权
标题翻译：基于语音邮件的计费系统
公开(公告)号：US06201956B1
公开(公告)日：2001-03-13
申请号：US09159583
申请日：1998-09-24
申请人： Tony Tehan
发明人： Tony Tehan
IPC分类号： H04M1100
CPC分类号： H04W4/24 , G06Q30/04 , H04M3/533 , H04M3/537 , H04M15/00 , H04M15/04 , H04M15/34 , H04M15/44 , H04M15/53 , H04M15/83 , H04M15/84 , H04M2201/60 , H04M2203/253 , H04M2203/4536 , H04M2215/0104 , H04M2215/0172 , H04M2215/0176 , H04M2215/32 , H04M2215/81 , H04M2215/8129 , H04W4/12
摘要： A method and system for the delivering bills to subscribers of wireless telecommunication services, and the subsequent retrieval of the same, using a voice mail system is disclosed. In an aspect of the invention, a bill is generated from billing information obtained from a billing center containing the call details of individual subscribers. The generated bill is translated into a format comprising synthesized speech message describing the bill specifics. Alternatively, the bill may be translated into a computer readable file capable of being downloading by a computer. The translated bill is stored in the subscriber's voice mailbox following which, a notification is sent to the subscriber to indicate its arrival. The bill can be subsequently retrieved by the subscriber by accessing the voice mailbox with either a phone or a computer. The invention permits cost effective and timely delivery of bills without having to rely on a third party for delivery. Moreover, the subscriber is able to attain access to their bill from any location.
摘要翻译：公开了一种用于向无线电信业务的用户发送账单的方法和系统，并且使用语音邮件系统对其进行随后的检索。在本发明的一个方面中，从包含各个用户的呼叫详细信息的计费中心获得的计费信息生成账单。生成的帐单被转换成包括描述账单明细的合成语音消息的格式。或者，该账单可被翻译成能够被计算机下载的计算机可读文件。翻译的帐单存储在用户的语音信箱中，之后通知用户指示其到达。账单随后可以通过用手机或计算机访问语音邮箱来检索。本发明允许成本有效和及时地交付账单，而不必依赖于第三方的交付。此外，用户能够从任何位置访问他们的帐单。

53. 发明授权

US5684861A Apparatus and method for monitoring cellular telephone usage 失效
标题翻译：用于监测蜂窝电话使用的装置和方法
公开(公告)号：US5684861A
公开(公告)日：1997-11-04
申请号：US566786
申请日：1995-12-04
申请人： Walter F. Lewis , Michael J. McGovern , Jay W. Van Dwingelen
发明人： Walter F. Lewis , Michael J. McGovern , Jay W. Van Dwingelen
IPC分类号： H04M15/30 , H04W4/24 , H04M11/00 , H04M15/00
CPC分类号： H04W4/24 , H04M15/30 , H04M15/44 , H04M15/80 , H04M15/83 , H04M15/84 , H04M2215/0104 , H04M2215/0152 , H04M2215/2026 , H04M2215/32 , H04M2215/81 , H04M2215/8129 , H04M2215/82
摘要： A small, wireless, battery operated monitoring apparatus is provided that is installed by a user on a cellular telephone in close proximity to a telephone antenna. The monitoring device monitors telephone usage by detecting and tracking radio frequency signal transmissions from the antenna to a base station. The monitoring device includes a microprocessor that performs functions on data indicative of cellular telephone usage and the customer billing plan. The microprocessor, under control of a call processing program, determines exactly when cellular mobile service is established and terminated at the cellular telephone. Under control of a time tracking program, the microprocessor monitors telephone usage, and generates statistical information indicative of telephone usage. The tracking program allows the user to set parameter values associated with statistical information indicative of a customer billing plan and the current date and time. The microprocessor maintains and updates the statistical information, as necessary. The current parameter values for the statistical information generated by the microprocessor are selectively displayed on a display unit associated with the monitoring device. The monitoring device can be used with any manufacturer's cellular telephone, and works with any cellular telephone system standard in the United States or abroad. An alternative embodiment of the present invention allows for the monitoring device to be incorporated into the standard electrical circuitry associated with a cellular telephone such that at least a portion of the monitoring apparatus is contained within the housing of the mobile unit. A method for monitoring telephone usage is also disclosed.
摘要翻译：提供了一种小型的，无线的，电池供电的监视装置，其由用户安装在紧靠电话天线的蜂窝电话上。监控设备通过检测和跟踪从天线到基站的射频信号传输来监视电话使用。监视装置包括对指示蜂窝电话使用的数据和客户计费计划执行功能的微处理器。在呼叫处理程序的控制下，微处理器精确地确定蜂窝移动业务在蜂窝电话上的建立和终止。在时间跟踪程序的控制下，微处理器监视电话使用，并产生指示电话使用的统计信息。跟踪程序允许用户设置与指示客户计费计划和当前日期和时间的统计信息相关联的参数值。微处理器根据需要维护和更新统计信息。微处理器产生的统计信息的当前参数值被选择性地显示在与监视装置相关联的显示单元上。监控设备可以与任何制造商的蜂窝电话一起使用，并且可以在美国或国外使用任何蜂窝电话系统标准。本发明的替代实施例允许将监测装置并入与蜂窝电话相关联的标准电路中，使得监测装置的至少一部分被包含在移动单元的壳体内。还公开了一种用于监视电话使用的方法。

54. 发明授权

US09614980B1 Handling insufficient account balance of subscribers 有权
公开(公告)号：US09614980B1
公开(公告)日：2017-04-04
申请号：US15251069
申请日：2016-08-30
申请人： West Corporation
发明人： Kuen-Yih Hwang , John Lawrence Snapp
IPC分类号： H04M17/00 , H04M11/00 , H04M1/725 , H04M11/10 , H04M15/00 , H04W4/24 , H04W4/14
CPC分类号： H04M15/852 , H04M15/00 , H04M15/28 , H04M15/835 , H04M15/8351 , H04M15/8353 , H04M15/84 , H04M15/842 , H04M15/844 , H04M15/85 , H04M15/851 , H04M15/853 , H04M15/854 , H04M15/86 , H04M15/888 , H04M17/00 , H04M17/02 , H04M17/20 , H04M17/206 , H04M2017/243 , H04M2215/8104 , H04M2215/8112 , H04M2215/8129 , H04M2215/8133 , H04M2215/8137 , H04M2215/815 , H04M2215/8158 , H04M2215/8162 , H04M2215/8187 , H04W4/12 , H04W4/14 , H04W4/24
摘要： A system, method, and computer readable medium comprising instructions for handling insufficient account balance of subscribers in a mobile communications network is disclosed. A request for communication is received from a mobile station. A determination is made as to whether a subscriber of the mobile station has an insufficient account balance. If the subscriber has an insufficient account balance, the request is withheld and the mobile station is notified by a short message.

55. 发明授权

US09380167B2 Limiting data transmission to and/or from a communication device as a data transmission cap is approached and graphical user interface for configuring same 有权
标题翻译：接近限制数据传输到通信设备和/或从作为数据传输帽的通信设备，并且用于配置图形用户界面
公开(公告)号：US09380167B2
公开(公告)日：2016-06-28
申请号：US12331758
申请日：2008-12-10
申请人： Christopher James Runstedler , Michael Thomas Hardy , Rohit Rocky Jain , Aaron David Scriver
发明人： Christopher James Runstedler , Michael Thomas Hardy , Rohit Rocky Jain , Aaron David Scriver
IPC分类号： H04M11/00 , H04M15/00 , H04W4/24 , H04W4/26
CPC分类号： H04M15/00 , H04M15/8005 , H04M15/81 , H04M15/82 , H04M15/8214 , H04M15/83 , H04M15/835 , H04M15/84 , H04M15/844 , H04M15/846 , H04M15/85 , H04M15/851 , H04M15/852 , H04M15/853 , H04M15/854 , H04M15/858 , H04M15/88 , H04M15/881 , H04M2215/0112 , H04M2215/0116 , H04M2215/012 , H04M2215/2033 , H04M2215/78 , H04M2215/782 , H04M2215/81 , H04M2215/8104 , H04M2215/8129 , H04M2215/8137 , H04M2215/8141 , H04M2215/815 , H04M2215/8158 , H04M2215/8162 , H04M2215/8166 , H04M2215/8183 , H04M2215/82 , H04W4/24
摘要： A data transmission cap represents a maximum amount of data that can be transmitted to and/or from a communication device during a subscriber billing cycle without incurring a penalty under a subscriber rate plan. To limit data transmission to and/or from the communication device as the data transmission cap is approached, a graphical user interface (GUI) is displayed. The GUI includes one or more GUI controls for selecting a data transmission limiting tactic from a plurality of distinct data transmission limiting tactics and for specifying a data transmission threshold at which the selected tactic is to take effect, the threshold being below the operative cap. Upon user interaction with the GUI control(s), user input indicating the selected data transmission tactic and specified data transmission threshold is received. The communication device or another electronic device in communication therewith is configured to effect the selected data transmission limiting tactic when the specified data transmission threshold is reached.
摘要翻译：数据传输上限表示在订户计费周期期间可以向通信设备发送和/或从通信设备发送的最大数据量，而不会在用户费率计划下引起惩罚。为了在接近数据传输限制时限制到通信设备和/或从通信设备的数据传输，显示图形用户界面（GUI）。 GUI包括一个或多个GUI控件，用于从多个不同的数据传输限制策略中选择数据传输限制策略，并用于指定所选择的策略将在其上生效的数据传输阈值，该阈值低于操作帽。当用户与GUI控件进行交互时，接收到指示所选数据传输策略和指定数据传输阈值的用户输入。通信装置或与其通信的其他电子装置被配置为当达到指定的数据传输阈值时，实现选择的数据传输限制策略。

56. 发明申请

US20140180783A1 SYSTEM AND METHOD FOR PROVIDING SOCIALLY ENABLED REWARDS THROUGH A USER FINANCIAL INSTRUMENT 审中-公开
标题翻译：通过用户财务报表提供社会奖励奖励的制度和方法
公开(公告)号：US20140180783A1
公开(公告)日：2014-06-26
申请号：US14058654
申请日：2013-10-21
申请人： Truaxis, Inc.
发明人： Ramakrishna Venkata Satyavolu , Samir Kothari , Shehzad Daredia
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q20/14 , G06Q20/22 , G06Q20/387 , G06Q20/40 , G06Q30/00 , G06Q30/0207 , G06Q30/0215 , G06Q30/0222 , G06Q30/0224 , G06Q40/00 , G06Q40/02 , G06Q40/04 , H04M15/00 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user's financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity.
摘要翻译：通过用户金融工具提供具有社会价值的奖励的系统和方法包括从用户的金融账户收集交易数据，并分析交易数据以获得储蓄机会指示。基于储蓄机会指示，来自储蓄机会的数据库的储蓄机会与用户相匹配，其中可以与其他用户或社交网络共享储蓄机会。储蓄机会与用户财务账户的陈述相关联地显示，并且允许用户共享储蓄机会，其中共享导致生成共享的储蓄机会。获得共享储蓄机会的第二个用户可以赎回共享储蓄机会。跟踪分享和赎回共享储蓄机会，例如，根据挽救共享储蓄机会的数量来改善对具有影响力的用户的目标。

57. 发明申请

US20140172560A1 SYSTEM AND METHOD OF PROFITABILITY ANALYTICS 审中-公开
标题翻译：利润分析系统和方法
公开(公告)号：US20140172560A1
公开(公告)日：2014-06-19
申请号：US13904573
申请日：2013-05-29
申请人： Truaxis, Inc.
发明人： Ramakrishna Venkata Satyavolu , Samir Kothari , Saravana Perumal Shanmugam , Bala Krishna Nakshatrala
IPC分类号： G06Q40/02 , G06Q30/02
CPC分类号： G06Q40/02 , G06Q30/0201 , G06Q30/0207 , G06Q30/0255 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： Disclosed herein is a method to guide savings opportunities provided through a financial institution to their customers. The method comprising: analyzing financial transactions of customers to identify financial usage patterns, comparing usage patterns to available savings opportunities, reviewing available savings opportunities, identifying which savings opportunities are to be offered through the financial institution to customers and which are to have restricted access and enabling offered savings opportunities and restricted access savings opportunities for customers through the financial institution.
摘要翻译：这里披露的是一种通过金融机构为其客户提供的储蓄机会的方法。该方法包括：分析客户的财务交易以识别财务使用模式，将使用模式与可用的储蓄机会进行比较，审查可用的储蓄机会，识别通过金融机构向客户提供哪些储蓄机会，以及哪些将有限制的访问和通过金融机构为客户提供储蓄机会和限制访问节省机会。

58. 发明申请

US20140095364A1 SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY IN ASSOCIATION WITH A FINANCIAL ACCOUNT 审中-公开
标题翻译：提供节省财务机会的机制和方法
公开(公告)号：US20140095364A1
公开(公告)日：2014-04-03
申请号：US14080135
申请日：2013-11-14
申请人： Truaxis, Inc.
发明人： Ramakrishna Venkata Satyavolu , Samir Kothari , Shehzad Daredia
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q30/0224 , G06Q30/0226 , G06Q30/0255 , G06Q30/0261 , G06Q40/02 , H04M15/00 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider's services, options, terms, conditions, costs, or how the service options change based on the consumer's particular usage characteristics. The disclosed comparison shopping method uses the consumer's actual or predicted service usage data. Service provider information is used to present the consumer with relevant alternative service offering options. Transaction data is gathered from a user's financial account and is analyzed for a savings opportunity indication. The analysis is used to match a savings opportunity from a database of savings opportunities, and the savings opportunity may be displayed in a statement of a user's financial account. Past responses to a savings opportunity indication may be gathered and analyzed. In one example, a savings opportunity is presented with a statement of the consumer's financial account.
摘要翻译：本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。公开的比较购物方法使用消费者的实际或预测的服务使用数据。服务提供商信息用于向消费者呈现相关的替代服务提供选项。交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。可以收集和分析过去对储蓄机会指示的回应。在一个例子中，一个储蓄机会被提供了一个消费者的财务帐户的声明。

59. 发明授权

US08645971B2 Real-time balance updates 有权
标题翻译：实时平衡更新
公开(公告)号：US08645971B2
公开(公告)日：2014-02-04
申请号：US11963736
申请日：2007-12-21
申请人： Mark Carlson , Ayman Hammad , Patrick Faith
发明人： Mark Carlson , Ayman Hammad , Patrick Faith
IPC分类号： G06F3/00 , G06Q20/00
CPC分类号： H04W4/24 , G06Q20/10 , G06Q20/3221 , G06Q30/02 , G06Q30/06 , H04M15/00 , H04M15/68 , H04M15/8033 , H04M15/83 , H04M15/835 , H04M15/84 , H04M15/85 , H04M15/851 , H04M15/854 , H04M2215/0196 , H04M2215/7435 , H04M2215/81 , H04M2215/8104 , H04M2215/8129 , H04M2215/815 , H04M2215/8166
摘要： A method and a system that retrieves dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.
摘要翻译：触发动态数据通知时检索动态数据的方法和系统。动态数据与与与消费者相关联的便携式消费者设备相关联的帐户相关联。所述方法和系统自动地将具有动态数据的通知发送到通知装置，其中将具有动态数据的通知提供给消费者。

60. 发明申请

US20130325680A1 APPLICATION ECOSYSTEM AND AUTHENTICATION 审中-公开
标题翻译：应用生态系统和认证
公开(公告)号：US20130325680A1
公开(公告)日：2013-12-05
申请号：US13904529
申请日：2013-05-29
申请人： Truaxis, Inc.
发明人： Ramakrishna Venkata Satyavolu , Bala Krishna Nakshatrala , Saravana Perumal Shanmugam
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q30/0201 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： Disclosed herein is a method for financial institutions to provide value added services to customers while preserving security of customer financial information. The method comprising providing a single point of access to a centralized platform wherein the platform may host one or more financial applications, enabling the selection and configuration of the one or more financial applications, sharing anonymized customer financial information between the financial institution and the one or more financial applications via a single conduit, analyzing the financial information by the financial applications, receiving results from the one more financial applications via the single conduit and displaying the results to the customer.
摘要翻译：这里披露的是金融机构为客户提供增值服务，同时保持客户财务信息的安全性的方法。该方法包括向集中式平台提供单一访问点，其中该平台可承载一个或多个金融应用，使得能够选择和配置一个或多个金融应用，在金融机构与该金融机构之间共享匿名的客户财务信息，通过单一管道更多的财务应用，通过财务应用程序分析财务信息，通过单一管道从更多的财务应用程序中获得结果，并将结果显示给客户。

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