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    • 67. 发明申请
    • TARGETED-ADVERTISEMENT-BASED EVENT SAVINGS PROGRAM
    • 基于广告的广告节目节目
    • US20140379451A1
    • 2014-12-25
    • US13926720
    • 2013-06-25
    • THE BANK OF NEW YORK MELLON
    • Jennifer C. ColeAniko N. DelaneyDouglas J. MagnoliaScott F. PosnerMark I. Robinson
    • G06Q30/02
    • G06Q30/0224G06Q30/0207
    • Approaches to facilitating targeted-advertisement-based event savings programs are provided. In certain implementations, a product or service type may be associated with a user. An advertisement identifying a product or service that relates to the associated product or service type may be provided for presentation to the user. A purchase of the product or service by the user responsive to providing the advertisement may be determined. An amount may be credited to an account on behalf of a beneficiary associated with user based on the purchase of the product or service by the user. In some implementations, a credit amount associated with purchasing the product or service may be determined. An estimated future value of the credit amount with respect to a time that corresponds to a predetermined life event associated with the account may be determined. The estimated future value may be provided for presentation to the user.
    • 提供了促进针对性广告的事件储蓄计划的方法。 在某些实现中,产品或服务类型可以与用户相关联。 可以提供标识与相关联的产品或服务类型相关的产品或服务的广告用于呈现给用户。 可以确定用户响应于提供广告的购买产品或服务。 根据用户购买产品或服务,可以代表与用户相关的受益人将金额存入帐户。 在一些实施方式中,可以确定与购买产品或服务相关联的信用额度。 可以确定相对于与账户相关联的预定寿命事件的时间的信用额度的估计未来值。 估计的未来值可以被提供给呈现给用户。
    • 68. 发明申请
    • SYSTEMS AND METHODS FOR SECURITIZING A COMMODITY
    • 用于证券化的系统和方法
    • US20140052602A1
    • 2014-02-20
    • US14059126
    • 2013-10-21
    • THE BANK OF NEW YORK MELLON
    • Jonathan S. SPIRGELLaura S. MELMAN
    • G06Q40/04
    • G06Q40/04G06Q40/00G06Q40/025
    • A method for creating trust shares in a physical commodity, the trust shares being tradable over an electronic communications network, includes receiving a creation order comprising a request to create the trust shares, confirming delivery into a trust account of an amount of physical commodity associated with the trust shares being requested, and releasing the requested trust shares based upon the amount of physical commodity delivered into the account. A method for redeeming trust shares associated with a physical commodity, the trust shares being tradable over an electronic communications network, includes receiving a redemption order comprising a request to redeem an amount of trust shares associated with an amount of the physical commodity held in a trust account, receiving the amount of the trust shares, and releasing from the trust account the amount of the physical commodity associated with the amount of the trust shares received.
    • 一种在实体商品中创建信托股份的方法,可通过电子通信网络交易的信托股份包括接收创建订单,其中包括创建信托股份的请求,确认向信托账户传送与 要求的信托股份,并根据交付给该账户的实际商品的数量释放所请求的信托股份。 一种用于兑换与实体商品相关联的信托股份的方法,所述信托股份可通过电子通信网络进行交易,包括接收赎回订单,其包括赎回与信托中持有的实体商品的数量相关联的信任份额的请求 账户,收到信托股份数量,并从信托账户中扣除与收到的信托股数量相关的实物商品金额。