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1. 发明授权

US11538110B1 Communication system and method for communication between a retirement plan administrator and a new participant 有权
公开(公告)号：US11538110B1
公开(公告)日：2022-12-27
申请号：US14813230
申请日：2015-07-30
申请人： The PNC Financial Services Group, Inc.
发明人： Matt Dahm , Sherri Painter , Anna C. Shade , Elizabeth Read Arnold Spenko , Ryan Edward Sievert , Jordi Parra Ferrero , Maria Julia Da Silva Benini , Momo Miyazaki , Simon King , Rebecca Marie Hornbuckle , Burton Michael Rast , Mary Beth Foyder
IPC分类号： G06Q40/06
摘要： An apparatus and method for administering and/or managing an employer sponsored retirement plan such as a 401(k) plan can include a host system that supports a graphical user interface (GUI) that is displayable to a user communicating with the host system via a user computer device. The use can manipulate one or more input devices connected to the user's computer device for facilitating the communication of data to the host system and updating of displays of the GUI. The GUI can be configured to permit employee participants to enroll and manage their retirement accounts. The GUI can also be configured for employers that sponsor a retirement plan to communicate with the host system to manage their retirement plan and oversee administration of the plan. Displays of the GUI can be generated and updated by a user computer device display based on communications with the host system.

2. 发明授权

US11074660B1 Systems and methods for financial planning based upon cash positions 有权
公开(公告)号：US11074660B1
公开(公告)日：2021-07-27
申请号：US14098814
申请日：2013-12-06
申请人： The PNC Financial Services Group, Inc.
发明人： Thomas Kunz , Michael Golden , Michael Kirch , Darcel Steber , Janet Hoyt , Peter Bird , Francisca Barros , Daniel DeRuntz , Islam Elsedoudi , Anna Engström , Michelle Kwasny , Scott Mackie , Stacey McCullough , Pierre-Alexandre Poirier , Todd Vanderlin , Colin Raney
IPC分类号： G06Q40/00
摘要： Systems and methods are disclosed for financial planning based on actual cash positions for financial accounts associated with an entity and planned cash out and cash in amounts for the entity. In an embodiment, a system comprises a processor configured to render an interactive graphical user interface (“GUI”) on a display device. The GUI has a plurality of selectable, actionable user interface elements such as tabs. In an embodiment, the GUI comprises a first tab selectable to display actual and planned net amount information of a cash position and actual and planned net amount graphs, the net amount information being cash out amounts subtracted from cash in amounts. The GUI comprises a second tab operable to display actual and planned cash in amount information and actual and cash in amount graphs. In an embodiment, the GUI comprises a third tab operable to display actual and planned cash out amount information and actual and planned cash out amount graphs.

3. 发明授权

US09672488B1 Assessment construction tool 有权
公开(公告)号：US09672488B1
公开(公告)日：2017-06-06
申请号：US13759608
申请日：2013-02-05
申请人： The PNC Financial Services Group, Inc.
发明人： Randal J. Heuler , Christopher Ropar
IPC分类号： G06Q10/06 , G06Q10/00
CPC分类号： G06Q10/0635 , G06Q10/00 , G06Q10/06
摘要： An assessment construction tool is provided for developing and executing assessments of various operational aspects of a business entity. Both application-level and project-level assessments may be constructed, and the assessments include a mechanism for applying scores associated with answers derived from conducting the assessment to multiple assessment process categories of the business entity.

4. 发明授权

US08868786B1 Apparatus, systems and methods for transformation services 有权
标题翻译：转换服务的设备，系统和方法
公开(公告)号：US08868786B1
公开(公告)日：2014-10-21
申请号：US13088877
申请日：2011-04-18
申请人： Michael Kutchmark , Randal Heuler , Robert Bills , W. Scott Edwards , Sergiy Nepomyashchyy
发明人： Michael Kutchmark , Randal Heuler , Robert Bills , W. Scott Edwards , Sergiy Nepomyashchyy
IPC分类号： G06F15/16 , G06F21/10 , H04L29/06 , G06F21/44 , H04L29/08
CPC分类号： H04L29/08756 , G06F21/10 , G06F21/44 , H04L29/06 , H04L63/08 , H04L63/0807 , H04L63/0823 , H04L63/083 , H04L63/10 , H04L63/102 , H04L63/166
摘要： A web services hub receives a request from a data source system, transforms the request, and transmits the transformed request to an external system. A secure service router is coupled to the web services hub. The secure service router authenticates the data source system and locates a transformation service to transform the request.
摘要翻译： Web服务集线器从数据源系统接收请求，转换请求，并将转换的请求发送到外部系统。安全服务路由器耦合到Web服务集线器。安全服务路由器认证数据源系统，并定位转换服务来转换请求。

5. 发明授权

US08682754B1 Tracking customer spending and income 有权
标题翻译：跟踪客户支出和收入
公开(公告)号：US08682754B1
公开(公告)日：2014-03-25
申请号：US13530778
申请日：2012-06-22
申请人： Michael Aaron Chapman , Hyun Jin Ko , Rodney Hal Monson , Mark Alexander Jones , Bryan L. Mackrell , Michael Ley , Thomas Kunz
发明人： Michael Aaron Chapman , Hyun Jin Ko , Rodney Hal Monson , Mark Alexander Jones , Bryan L. Mackrell , Michael Ley , Thomas Kunz
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q40/12
摘要： Computer implemented methods of tracking customer spending and income are provided. The methods may comprise aggregating spending transactions by estimating income to a customer during a first time period. The methods may also comprise displaying a user interface to the customer. The user interface may comprise a first bar indicating customer income and a second bar indicating customer spending.
摘要翻译：提供了跟踪客户支出和收入的计算机实施方法。所述方法可以包括通过在第一时间段期间向客户估计收入来聚合支出交易。所述方法还可以包括向客户显示用户界面。用户界面可以包括指示客户收入的第一条和指示客户支出的第二条。

6. 发明授权

US08555239B1 Mainframe-based web service development accelerator 有权
标题翻译：基于主机的Web服务开发加速器
公开(公告)号：US08555239B1
公开(公告)日：2013-10-08
申请号：US12688528
申请日：2010-01-15
申请人： Randal J. Heuler
发明人： Randal J. Heuler
IPC分类号： G06F9/44 , G06F9/45 , G06F15/16 , G06F3/00
CPC分类号： G06F8/10 , G06F8/36
摘要： An interactive computer architecture is provided that can be employed as a bridge between a mainframe-based computing environment and a distributed server-based computing environment. A request/reply contract can be expressed within the mainframe-based environment and employed as the basis for generating a web service in the distributed computing environment.
摘要翻译：提供了可以用作基于大型机的计算环境和基于分布式服务器的计算环境之间的桥梁的交互式计算机体系结构。请求/回复合同可以在基于大型机的环境中表达，并被用作在分布式计算环境中生成Web服务的基础。

7. 发明授权

US08423444B1 Investor personality tool 有权
标题翻译：投资者个性工具
公开(公告)号：US08423444B1
公开(公告)日：2013-04-16
申请号：US12803706
申请日：2010-07-02
申请人： Bryan L. Mackrell , Isabel Ford , Erin Koch , Jonathan Randall
发明人： Bryan L. Mackrell , Isabel Ford , Erin Koch , Jonathan Randall
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06
摘要： Various embodiments are directed to a computer system comprising at least one computer programmed to provide a user interface to a user via a first computer device. The user interface may comprise a first axis describing a desired level of involvement of the user in investment decisions and a second axis describing a risk tolerance of the user. The user interface may also comprise a first icon representing a first position on the first and second axes and a second icon representing a second position on the first and second axes. When the first or second icons are activated, the interface may display a description of respective example investors having investment characteristics corresponding to the respective first and second positions on the axes. The user interface may also comprise first and second slider bars corresponding to the respective axes. The slider bars may be movable in response to a signal from a first input device in communication with the computer system. The computer system may be further programmed to receive from the user, via the user interface, an indication of a user position on the first and second axes; and store first data describing the user position on the first and second axis in association with an identifier of the user.
摘要翻译：各种实施例涉及一种计算机系统，该计算机系统包括被编程为经由第一计算机设备向用户提供用户界面的至少一个计算机。用户界面可以包括描述用户参与投资决策的期望水平的第一轴线和描述用户的风险承受能力的第二轴线。用户界面还可以包括表示第一和第二轴上的第一位置的第一图标和表示第一和第二轴上的第二位置的第二图标。当第一或第二图标被激活时，界面可以显示具有与轴上相应的第一和第二位置相对应的投资特征的相应示例投资者的描述。用户界面还可以包括对应于各个轴的第一和第二滑块。滑块可以响应于来自与计算机系统通信的第一输入设备的信号而可移动。计算机系统可以被进一步编程为经由用户接口从用户接收在第一和第二轴上的用户位置的指示; 并且与用户的标识符相关联地存储描述第一和第二轴上的用户位置的第一数据。

8. 发明授权

US08370281B2 Self-modification of a mainframe-based business rules engine construction tool 有权
标题翻译：基于大型机的业务规则引擎构建工具的自修改
公开(公告)号：US08370281B2
公开(公告)日：2013-02-05
申请号：US12248278
申请日：2008-10-09
申请人： Randal J. Heuler , Duane K. Crilley
发明人： Randal J. Heuler , Duane K. Crilley
IPC分类号： G06N5/00 , G06N5/02
CPC分类号： G06Q40/02 , G06N5/025 , G06Q10/0637 , G06Q10/10
摘要： In various embodiments, a programmable apparatus for use in a computing environment is provided. The apparatus may include a business rules engine having at least one rule executable by a mainframe system and stored based on an extensible language; and, a business rules engine builder interface configured to access the business rules engine and which permits user selection from among different rules collections in the business rules engine. At least one of the rules in the business engine is associated with modifying an aspect of the business rules engine builder interface itself.
摘要翻译：在各种实施例中，提供了一种用于计算环境中的可编程设备。该装置可以包括具有至少一个可由大型机系统执行并且基于可扩展语言存储的规则的业务规则引擎; 以及业务规则引擎生成器接口，被配置为访问业务规则引擎，并且允许用户从业务规则引擎中的不同规则集合中进行选择。业务引擎中的至少一个规则与修改业务规则引擎生成器界面本身的一个方面相关联。

9. 发明授权

US08364625B2 Mainframe-based business rules engine construction tool 有权
标题翻译：基于主机的业务规则引擎构建工具
公开(公告)号：US08364625B2
公开(公告)日：2013-01-29
申请号：US12248249
申请日：2008-10-09
申请人： Randal J. Heuler , Duane K. Crilley
发明人： Randal J. Heuler , Duane K. Crilley
IPC分类号： G06N5/00 , G06N5/02
CPC分类号： G06Q10/10 , G06N5/025 , G06Q10/0637
摘要： In various embodiments, a programmable apparatus for use in a computing environment is provided. The apparatus may include a business rules engine having at least one rule executable by a mainframe system and stored based on an extensible language; and, a business rules engine builder interface configured to access the business rules engine and which permits user selection from among different rules collections in the business rules engine.
摘要翻译：在各种实施例中，提供了一种用于计算环境中的可编程设备。该装置可以包括具有至少一个可由大型机系统执行并且基于可扩展语言存储的规则的业务规则引擎; 以及业务规则引擎生成器接口，被配置为访问业务规则引擎，并且允许用户从业务规则引擎中的不同规则集合中进行选择。

10. 发明授权

US08150771B1 Automatic check reordering 有权
标题翻译：自动检查重新排序
公开(公告)号：US08150771B1
公开(公告)日：2012-04-03
申请号：US12315247
申请日：2008-12-01
申请人： Andrew Baram
发明人： Andrew Baram
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/042 , G06Q40/00
摘要： Various embodiments are directed to computer implemented methods of automatically reordering checks for an account utilizing checks. The methods may comprise determining a number of checks written on the account from a most recent check order. The number of checks written on the account from the most recent check order comprises a number of checks cleared on the account and a number of stop payment orders made on the account. The methods may also comprise determining a check usage rate, which may be proportional to a number of checks written on the account per unit time. The methods may additional comprise determining a time-to-exhaustion considering the number of checks written on the account and the check usage rate. Conditioned upon the time-to-exhaustion being below a predetermined threshold, an order of new checks directed to the customer may be initiated.
摘要翻译：各种实施例涉及使用检查来自动重新排序帐户检查的计算机实现的方法。所述方法可以包括从最近的检查顺序确定在帐户上写入的许多支票。在最近的检查单上记录在帐户上的支票数量包括在帐户上清除的一些支票和在该帐户上作出的一些停止付款订单。方法还可以包括确定检查使用率，其可以与每单位时间在帐户上写入的检查数量成比例。所述方法可以包括考虑在帐户上写入的支票数量和支票使用率来确定耗时的时间。在耗尽时间低于预定阈值的条件下，可以启动针对客户的新检查的顺序。

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