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1. 发明授权

US08688572B2 Financial account related trigger feature for risk mitigation 有权
标题翻译：财务帐户相关的触发功能，用于降低风险
公开(公告)号：US08688572B2
公开(公告)日：2014-04-01
申请号：US13486631
申请日：2012-06-01
申请人： Yanghong Shao , Bibhudatta Jena , Timothy J Bendel , David Joa , Vikas Mishra , Thayer S Allison, Jr. , Deepak Verma , Srihari Rao Gatpa , Naveen G Yeri , Jade Michelle Le Vo-Dinh , Kunal Makin , David Neil Joffe
发明人： Yanghong Shao , Bibhudatta Jena , Timothy J Bendel , David Joa , Vikas Mishra , Thayer S Allison, Jr. , Deepak Verma , Srihari Rao Gatpa , Naveen G Yeri , Jade Michelle Le Vo-Dinh , Kunal Makin , David Neil Joffe
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event.
摘要翻译：本文提供了用于生成和维护帐户相关触发器的系统和方法。系统和方法可用于减轻风险。可以执行帐户触发以确定指示风险事件的帐户活动。一旦确定了风险事件，金融机构可能会确定一个适当的行动，以减轻风险事件引发的可预见的风险。

2. 发明申请

US20130325716A1 TRIGGER FEATURE FOR INCREASING TRANSACTION DEPTH AND ACCOUNT BREADTH 审中-公开
标题翻译：增加交易深度和账户收益的触发功能
公开(公告)号：US20130325716A1
公开(公告)日：2013-12-05
申请号：US13486612
申请日：2012-06-01
申请人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Parul Bajaj , Srihari Rao Gatpa , David Neil Joffe
发明人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Parul Bajaj , Srihari Rao Gatpa , David Neil Joffe
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q20/00
摘要： Systems and methods for increasing transaction depth and account breadth are provided herein. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising a number of transactions occurring during a first period of time and a second trigger group comprising a number of transactions occurring during a second period of time based on the account data are identified based on the account data; the first trigger group and the second trigger group are compared; and an increase in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group.
摘要翻译：本文提供了增加交易深度和广度的系统和方法。在系统和方法中，接收与一个或多个帐户相关联的帐户数据，并将帐户数据存储在存储装置中; 包括在第一时间段期间发生的多个交易的第一触发器组，以及基于所述帐户数据识别包括在第二时间段内基于所述帐户数据发生的多个交易的第二触发器组; 比较第一触发组和第二触发组; 并且响应于第一触发组和第二触发组的比较来确定对于一个或多个账户中的每个帐户的帐户活动的增加。

3. 发明申请

US20130325713A1 USER RETENTION TRIGGER FEATURE 审中-公开
标题翻译：用户保留触发功能
公开(公告)号：US20130325713A1
公开(公告)日：2013-12-05
申请号：US13486605
申请日：2012-06-01
申请人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Parul Bajaj , Srihari Rao Gatpa , Jade Michelle Le Vo-Dinh , David Neil Joffe
发明人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Parul Bajaj , Srihari Rao Gatpa , Jade Michelle Le Vo-Dinh , David Neil Joffe
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q30/02
摘要： Systems and methods for retaining users in their existing relationship with a financial institution are provided herein. Based on account data, comparisons of past and current transactional activity are made and a change in account usage is determined. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising one or more transactions occurring during a first period of time and a second trigger group comprising one or more transactions occurring during a second period of time are identified based on the account data; the first trigger group and the second trigger group are compared; and a decrease in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group.
摘要翻译：本文提供了保留用户与金融机构现有关系的系统和方法。根据账户数据，对过去和当前的交易活动进行比较，并确定账户使用情况的变化。在系统和方法中，接收与一个或多个帐户相关联的帐户数据，并将帐户数据存储在存储装置中; 包括在第一时间段内发生的一个或多个事务的第一触发器组和包括在第二时间段期间发生的一个或多个事务的第二触发器组; 比较第一触发组和第二触发组; 并且响应于第一触发组和第二触发组的比较来确定对于一个或多个账户中的每个账户的账户活动的减少。

4. 发明申请

US20130325698A1 FINANCIAL ACCOUNT RELATED TRIGGER FEATURE FOR RISK MITIGATION 有权
标题翻译：财务帐户相关的风险缓解特征
公开(公告)号：US20130325698A1
公开(公告)日：2013-12-05
申请号：US13486631
申请日：2012-06-01
申请人： Yanghong Shao , Bibhudatta Jena , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Srihari Rao Gatpa , Naveen G. Yeri , Jade Michelle Le Vo-Dinh , Kunal Makin , David Neil Joffe
发明人： Yanghong Shao , Bibhudatta Jena , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Srihari Rao Gatpa , Naveen G. Yeri , Jade Michelle Le Vo-Dinh , Kunal Makin , David Neil Joffe
IPC分类号： G06Q40/02 , G06Q20/10
CPC分类号： G06Q40/02
摘要： Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event.
摘要翻译：本文提供了用于生成和维护帐户相关触发器的系统和方法。系统和方法可用于减轻风险。可以执行帐户触发以确定指示风险事件的帐户活动。一旦确定了风险事件，金融机构可能会确定一个适当的行动，以减轻风险事件引发的可预见的风险。

5. 发明授权

US08392331B2 Hybrid secured credit card 有权
标题翻译：混合安全信用卡
公开(公告)号：US08392331B2
公开(公告)日：2013-03-05
申请号：US13221685
申请日：2011-08-30
申请人： Erik Stephen Ross , James K. Macklin , Hans Dirk Schumacher , David Neil Joffe
发明人： Erik Stephen Ross , James K. Macklin , Hans Dirk Schumacher , David Neil Joffe
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/10
摘要： According to one or more aspects, financial transactions may be conducted using a financial card product, such as a hybrid secured credit card that permits transactions up to a predetermined total credit limit, and then allows transactions in excess using a security interest in assets. The asset may be the available balance in an interest-bearing checking account (e.g., a DDA account), a brokerage account, or other type of account that may hold funds/assets. The available balance of the asset(s) may be monitored in real-time (or near real-time) such that the available spending limit on the hybrid secured credit card may be floating (e.g., dynamic). In one example, backend systems may be configured to monitor in real-time an available balance in security accounts in order to prevent spending over the amount of secured funds. In addition, in some examples, more than one account may be associated with the card such that the total spending limit on the card is greater. The total spending limit may be calculated through arithmetic (e.g., sum) of the available balance of each of the associated accounts.
摘要翻译：根据一个或多个方面，可以使用金融卡产品（例如允许交易达到预定的总信用额度的混合担保信用卡）进行金融交易，然后使用资产的担保权益允许交易过多。该资产可以是有息支票账户（例如，DDA账户），经纪账户或可能持有资金/资产的其他类型的账户的可用余额。资产的可用余额可以实时监控（或接近实时），以使得混合担保信用卡上的可用支出限额可能浮动（例如动态）。在一个示例中，后端系统可以被配置为实时监控安全帐户中的可用余额，以防止支出超过担保资金的数量。此外，在一些示例中，多于一个帐户可能与卡相关联，使得卡上的总支出限额更大。总支出限额可以通过每个相关帐户的可用余额的算术（例如，和）来计算。

6. 发明授权

US08275685B2 Determining a payment strategy 有权
标题翻译：确定付款策略
公开(公告)号：US08275685B2
公开(公告)日：2012-09-25
申请号：US12651580
申请日：2010-01-04
申请人： Erik Stephen Ross , Hans Dirk Schumacher , David Neil Joffe , Susan Smith Thomas
发明人： Erik Stephen Ross , Hans Dirk Schumacher , David Neil Joffe , Susan Smith Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/102 , G06Q20/40 , G06Q20/405 , G06Q40/00
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or executing a payment strategy. For example, in some embodiments, a method is provided for determining a payment strategy for using at least some funds from a first account to make two or more payments on a second account during a single pay period. In such embodiments, the method includes: (1) determining that the second account includes a payment due date and a minimum payment due; (2) determining a number of payments to make on the second account; (3) determining a payment amount for each payment, such that the total payment amount for all of the payments is sufficient to at least offset the minimum payment due; and (4) determining a triggering event for each payment, such that each of the payments is made on or before the payment due date.
摘要翻译：本发明的实施例涉及用于确定，推荐和/或执行支付策略的方法和设备。例如，在一些实施例中，提供了一种用于确定用于使用来自第一帐户的至少一些资金以在单个支付周期期间在第二帐户上进行两次或更多次支付的支付策略的方法。在这样的实施例中，该方法包括：（1）确定第二帐户包括支付到期日和到期的最低付款; （2）确定在第二个帐户上付款的数量; （3）确定每个付款的支付金额，使得所有付款的总支付金额足以至少抵消到期的最低付款额; 和（4）确定每次付款的触发事件，使得每个付款是在支付到期日之前或之前进行的。

7. 发明申请

US20130325946A1 SYSTEM FOR OPTIMIZING SOCIAL NETWORKING 有权
标题翻译：优化社会网络的系统
公开(公告)号：US20130325946A1
公开(公告)日：2013-12-05
申请号：US13486816
申请日：2012-06-01
申请人： Thayer S. Allison, JR. , Timothy J. Bendel , David Joa , Yanghong Shao , David Neil Joffe , Naveen G. Yeri
发明人： Thayer S. Allison, JR. , Timothy J. Bendel , David Joa , Yanghong Shao , David Neil Joffe , Naveen G. Yeri
IPC分类号： G06F15/16
CPC分类号： G06Q50/01 , G06Q30/0204
摘要： Systems, methods and computer program products are provided for optimizing social networks. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Pluralities of networking opportunities are identified based on the account data. Furthermore, based on the account data triggers may be detected indicating a user's interest in one or more social networking opportunities. The system then offers the user, based at least partially on the detected trigger, the one or more social networking opportunities.
摘要翻译：提供系统，方法和计算机程序产品来优化社交网络。在系统和方法中，接收与用户帐户相关联的帐户数据，并将帐户数据存储在存储装置中。基于帐户数据识别多个网络机会。此外，基于帐户数据，可以检测到触发器，指示用户对一个或多个社交网络机会的兴趣。该系统至少部分地基于检测到的触发器向用户提供一个或多个社交网络机会。

8. 发明申请

US20130325699A1 FINANCIAL ACCOUNT RELATED TRIGGER FEATURE FOR DETECTING CHANGES IN FINANCIAL RATIOS 有权
标题翻译：财务帐目相关触发功能，用于检测财务比率变动
公开(公告)号：US20130325699A1
公开(公告)日：2013-12-05
申请号：US13486739
申请日：2012-06-01
申请人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Srihari Rao Gatpa , Jade Michelle Le Vo-Dinh , David Neil Joffe
发明人： Naveen G. Yeri , Timothy J. Bendel , David Joa , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Srihari Rao Gatpa , Jade Michelle Le Vo-Dinh , David Neil Joffe
IPC分类号： G06Q40/02 , G06Q20/10
CPC分类号： G06Q40/10
摘要： Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial institution. Triggers may be executed to monitor financial account ratios. Offers may be triggered based on the account ratios or changes in the account ratios.
摘要翻译：本文提供了用于生成和维护帐户相关触发器的系统和方法。系统和方法可以用于监视金融机构的一个或多个账户。可以执行触发器来监控财务账户比率。可能会根据帐户比例或帐户比例的变化触发优惠。

9. 发明申请

US20130325697A1 PROVIDING POLICY EDUCATION BASED ON TRIGGERS 审中-公开
标题翻译：提供基于触发器的政策教育
公开(公告)号：US20130325697A1
公开(公告)日：2013-12-05
申请号：US13486198
申请日：2012-06-01
申请人： THAYER S. ALLISON, JR. , TIMOTHY J. BENDEL , DAVID JOA , VIKAS MISHRA , YANGHONG SHAO , NAVEEN G. YERI , DAVID NEIL JOFFE
发明人： THAYER S. ALLISON, JR. , TIMOTHY J. BENDEL , DAVID JOA , VIKAS MISHRA , YANGHONG SHAO , NAVEEN G. YERI , DAVID NEIL JOFFE
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q30/0631
摘要： Systems and methods for promoting policy education associated with one or more accounts of a financial institution are provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity subject to regulations based on the account data; and identifies triggers comprising account costs incurred by outbound transactions based on the account activity. The system then informs the user of institutional or governmental policy related to the triggers. In some situations, the system determines when a trigger indicates unavailable funds or that an account has gone to loss and informs the user of policy related to these accounts. In other situations, the system may also provide suggestions or alternatives to address these accounts.
摘要翻译：本文提供了与金融机构的一个或多个账户相关的促进政策教育的系统和方法。系统接收与一个或多个帐户相关联的帐户数据; 将帐户数据存储在存储设备中; 根据账户数据确定符合规定的账户活动; 并根据帐户活动确定出站交易产生的帐户成本。然后，系统向用户通知与触发器相关的机构或政府政策。在某些情况下，系统确定何时触发器指示不可用资金或帐户已损失，并通知用户与这些帐户有关的政策。在其他情况下，系统还可以提供解决这些帐户的建议或替代方案。

10. 发明申请

US20130325604A1 PROVIDING OFFERS IN RESPONSE TO DETERMINATION OF TRIGGERS 审中-公开
标题翻译：提供响应确定触发器的优惠
公开(公告)号：US20130325604A1
公开(公告)日：2013-12-05
申请号：US13486191
申请日：2012-06-01
申请人： NAVEEN G. YERI , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Bibhudatta Jena , Srihari Rao Gatpa , Li Wei , David Neil Joffe
发明人： NAVEEN G. YERI , Timothy J. Bendel , David Joa , Vikas Mishra , Thayer S. Allison, JR. , Deepak Verma , Yanghong Shao , Bibhudatta Jena , Srihari Rao Gatpa , Li Wei , David Neil Joffe
IPC分类号： G06Q30/02 , G06Q40/02
CPC分类号： G06Q40/02 , G06Q30/0215
摘要： Systems and methods for providing offers associated with one or more accounts of a financial institution is provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity for at least one of inbound transactions or outbound transactions based on the account data; and identifies triggers comprising opportunities for providing offers based on the account activity. The system then provides an offer to the user based on the trigger. In some embodiments, the trigger is based on inbound transaction but in other embodiments the trigger is based on outbound transactions. The offer can be specifically related to another party associated with the trigger, e.g., the recipient of a payment, or the offer can be based on the time, amount, or location of the trigger. A computer program product is also provided.
摘要翻译：本文提供了用于提供与金融机构的一个或多个账户相关联的提供的系统和方法。系统接收与一个或多个帐户相关联的帐户数据; 将帐户数据存储在存储设备中; 基于帐户数据识别至少一个入站交易或出站交易的帐户活动; 并识别包括基于帐户活动提供优惠的机会的触发器。然后，系统基于触发器向用户提供报价。在一些实施例中，触发器基于入站事务，但在其他实施例中，触发器基于出站事务。报价可以与与触发相关联的另一方（例如，支付的收件人）具体相关，或者报价可以基于触发的时间，数量或位置。还提供了计算机程序产品。

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