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1. 发明授权

US08725578B2 Method and apparatus for authorizing a financial transaction 有权
标题翻译：授权金融交易的方法和设备
公开(公告)号：US08725578B2
公开(公告)日：2014-05-13
申请号：US12022832
申请日：2008-01-30
申请人： Benjamin R. Weiss , Jim Del Favero , Todd M. Fitch
发明人： Benjamin R. Weiss , Jim Del Favero , Todd M. Fitch
IPC分类号： G06Q20/00
CPC分类号： G06Q40/00 , G06Q20/20 , G06Q20/204 , G06Q20/3224 , G06Q20/40
摘要： A system that authorizes a financial transaction is presented. During operation, the system receives a request to authorize accounts associated with one or more financial instruments to be used to fulfill the financial transaction. Next, the system determines a transaction location at which the financial transaction is being performed. The system then determines whether the accounts are authorized to be used at the transaction location. If so, the system authorizes the accounts to be used to fulfill the financial transaction.
摘要翻译：介绍了授权金融交易的系统。在操作期间，系统收到授权与一个或多个金融工具相关联的帐户以用于履行金融交易的请求。接下来，系统确定正在执行金融交易的交易位置。系统然后确定帐户是否被授权在交易位置使用。如果是这样，系统授权帐户用于履行金融交易。

2. 发明申请

US20090192903A1 METHOD AND APPARATUS FOR AUTHORIZING A FINANCIAL TRANSACTION 有权
标题翻译：用于授权财务交易的方法和装置
公开(公告)号：US20090192903A1
公开(公告)日：2009-07-30
申请号：US12022832
申请日：2008-01-30
申请人： Benjamin R. Weiss , Jim Del Favero , Todd M. Fitch
发明人： Benjamin R. Weiss , Jim Del Favero , Todd M. Fitch
IPC分类号： G06Q20/00 , G06Q40/00 , G01C21/00
CPC分类号： G06Q40/00 , G06Q20/20 , G06Q20/204 , G06Q20/3224 , G06Q20/40
摘要： A system that authorizes a financial transaction is presented. During operation, the system receives a request to authorize accounts associated with one or more financial instruments to be used to fulfill the financial transaction. Next, the system determines a transaction location at which the financial transaction is being performed. The system then determines whether the accounts are authorized to be used at the transaction location. If so, the system authorizes the accounts to be used to fulfill the financial transaction.
摘要翻译：介绍了授权金融交易的系统。在操作期间，系统收到授权与一个或多个金融工具相关联的帐户以用于履行金融交易的请求。接下来，系统确定正在执行金融交易的交易位置。系统然后确定帐户是否被授权在交易位置使用。如果是这样，系统授权帐户用于履行金融交易。

3. 发明申请

US20080270277A1 Method and apparatus for performing a financial transaction 有权
标题翻译：执行金融交易的方法和装置
公开(公告)号：US20080270277A1
公开(公告)日：2008-10-30
申请号：US11796578
申请日：2007-04-27
申请人： Benjamin R. Weiss , Jim Del Favero , David A. Wolbert
发明人： Benjamin R. Weiss , Jim Del Favero , David A. Wolbert
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q40/00 , G06Q40/02
摘要： A system that performs a financial transaction on behalf of a user is presented. During operation, the system receives parameters for the financial transaction. Next, the system analyzes the parameters to determine financial benefits of using one or more subsets of financial sources from a set of financial sources associated with the user to fulfill the financial transaction. The system then selects a subset of financial sources which substantially maximizes the financial benefits for the user. Next, the system uses the selected subset of financial sources to fulfill the financial transaction on behalf of the user.
摘要翻译：呈现代表用户进行金融交易的系统。在操作期间，系统接收金融交易的参数。接下来，系统分析参数以确定使用来自与用户相关联的一组财务来源的一个或多个财务来源子集来实现金融交易的财务利益。然后，该系统选择一个基本上最大化用户的经济利益的财务来源的子集。接下来，系统使用所选择的财务来源子集来代表用户来执行金融交易。

4. 发明授权

US08996407B2 Method and apparatus for performing a financial transaction 有权
标题翻译：执行金融交易的方法和装置
公开(公告)号：US08996407B2
公开(公告)日：2015-03-31
申请号：US11796578
申请日：2007-04-27
申请人： Benjamin R. Weiss , Jim Del Favero , David A. Wolbert
发明人： Benjamin R. Weiss , Jim Del Favero , David A. Wolbert
IPC分类号： G06Q30/00 , G06Q40/00 , G06Q20/10 , G06Q20/02 , G06Q40/02
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q40/00 , G06Q40/02
摘要： A system that performs a financial transaction on behalf of a user is presented. During operation, the system receives parameters for the financial transaction. Next, the system analyzes the parameters to determine financial benefits of using one or more subsets of financial sources from a set of financial sources associated with the user to fulfill the financial transaction. The system then selects a subset of financial sources which substantially maximizes the financial benefits for the user. Next, the system uses the selected subset of financial sources to fulfill the financial transaction on behalf of the user.
摘要翻译：呈现代表用户进行金融交易的系统。在操作期间，系统接收金融交易的参数。接下来，系统分析参数以确定使用来自与用户相关联的一组财务来源的一个或多个财务来源子集来实现金融交易的财务利益。然后，该系统选择一个基本上最大化用户的经济利益的财务来源的子集。接下来，系统使用所选择的财务来源子集来代表用户来执行金融交易。

5. 发明申请

US20090228356A1 METHOD AND APPARATUS FOR DETERMINING A STANDARD NAME FOR A PAYEE 有权
标题翻译：用于确定PAYEE标准名称的方法和装置
公开(公告)号：US20090228356A1
公开(公告)日：2009-09-10
申请号：US12044470
申请日：2008-03-07
申请人： George A. Hansen , Marko Rukonic , Benjamin R. Weiss , Jim Del Favero
发明人： George A. Hansen , Marko Rukonic , Benjamin R. Weiss , Jim Del Favero
IPC分类号： G06Q30/00 , G06Q99/00
CPC分类号： G06Q40/02 , G06Q20/102
摘要： A system that determines a standard payee name for a payee is presented. During operation, the system receives a non-standard payee name, wherein the non-standard payee name can be a user-defined payee name, which is defined by a user, or a normalized payee name, which is defined by a financial institution. Next, the system determines whether the non-standard payee name is associated with the standard payee name by using the non-standard payee name to search through data structures containing associations between one or more of the following: user-defined payee names and normalized payee names; user-defined payee names and standard payee names; and normalized payee names and standard payee names. If the non-standard payee name is associated with a standard payee name, the system can perform specified actions.
摘要翻译：给出了确定收款人的标准收款人姓名的系统。在操作期间，系统接收非标准收款人姓名，其中非标准收款人姓名可以是由用户定义的用户定义的收款人姓名，或由金融机构定义的标准化收款人姓名。接下来，系统通过使用非标准收款人名称来确定非标准收款人姓名是否与标准收款人姓名相关联，以搜索包含以下一个或多个之间的关联的数据结构：用户定义的收款人姓名和标准化收款人名字用户定义的收款人姓名和标准收款人姓名; 以及标准化收款人姓名和标准收款人姓名。如果非标准收款人姓名与标准收款人姓名相关联，则系统可以执行指定的行为。

6. 发明授权

US08401942B2 Method and apparatus for determining a standard name for a payee 有权
标题翻译：用于确定收款人的标准名称的方法和装置
公开(公告)号：US08401942B2
公开(公告)日：2013-03-19
申请号：US12044470
申请日：2008-03-07
申请人： George A. Hansen , Marko Rukonic , Benjamin R. Weiss , Jim Del Favero
发明人： George A. Hansen , Marko Rukonic , Benjamin R. Weiss , Jim Del Favero
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/102
摘要： A system that determines a standard payee name for a payee is presented. During operation, the system receives a non-standard payee name, wherein the non-standard payee name can be a user-defined payee name, which is defined by a user, or a normalized payee name, which is defined by a financial institution. Next, the system determines whether the non-standard payee name is associated with the standard payee name by using the non-standard payee name to search through data structures containing associations between one or more of the following: user-defined payee names and normalized payee names; user-defined payee names and standard payee names; and normalized payee names and standard payee names. If the non-standard payee name is associated with a standard payee name, the system can perform specified actions.
摘要翻译：给出了确定收款人的标准收款人姓名的系统。在操作期间，系统接收非标准收款人姓名，其中非标准收款人姓名可以是由用户定义的用户定义的收款人姓名，或由金融机构定义的标准化收款人姓名。接下来，系统通过使用非标准收款人名称来确定非标准收款人姓名是否与标准收款人姓名相关联，以搜索包含以下一个或多个之间的关联的数据结构：用户定义的收款人姓名和标准化收款人名字用户定义的收款人姓名和标准收款人姓名; 以及标准化收款人姓名和标准收款人姓名。如果非标准收款人姓名与标准收款人姓名相关联，则系统可以执行指定的行为。

7. 发明申请

US20090276346A1 SYSTEM AND METHOD FOR CLASSIFYING A FINANCIAL TRANSACTION AS A RECURRING FINANCIAL TRANSACTION 审中-公开
标题翻译：将财务交易分类为重组财务交易的制度和方法
公开(公告)号：US20090276346A1
公开(公告)日：2009-11-05
申请号：US12114383
申请日：2008-05-02
申请人： Marko Rukonic , George A. Hansen , Benjamin R. Weiss , Jim Del Favero
发明人： Marko Rukonic , George A. Hansen , Benjamin R. Weiss , Jim Del Favero
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： A system that automatically classifies a financial transaction as a recurring financial transaction based on classification data obtained from a set of users is presented. The system can also determine the frequency at which the recurring financial transaction repeats. If the financial transaction is classified as a recurring financial transaction, the system can mark the financial transaction as a recurring financial transaction. Alternatively, the system can notify the user that the classification data indicates that the financial transaction can be classified as a recurring financial transaction.
摘要翻译：提出了一种基于从一组用户获得的分类数据自动将金融交易分类为经常性金融交易的系统。系统还可以确定经常性金融交易重复的频率。如果金融交易被归类为经常性金融交易，则系统可以将金融交易标为经常性金融交易。或者，系统可以通知用户分类数据表明金融交易可以被分类为经常性金融交易。

8. 发明授权

US08078516B1 Method and system for managing financial data 有权
标题翻译：管理财务数据的方法和系统
公开(公告)号：US08078516B1
公开(公告)日：2011-12-13
申请号：US12140700
申请日：2008-06-17
申请人： Benjamin R. Weiss , James R. Del Favero , Todd Matthew Fitch , George A. Hansen
发明人： Benjamin R. Weiss , James R. Del Favero , Todd Matthew Fitch , George A. Hansen
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/00
摘要： A method for managing financial data involves parsing a digital file to obtain metadata describing the digital file, where the digital file includes financial data. The method further involves importing the digital file to a financial management application, identifying a record in the financial management application that is associated with the digital file, based on metadata describing the digital file, and linking the digital file to the record in the financial management application.
摘要翻译：用于管理财务数据的方法涉及解析数字文件以获得描述数字文件的元数据，其中数字文件包括财务数据。该方法还包括将数字文件导入财务管理应用程序，基于描述数字文件的元数据，将数字文件与财务管理中的记录相链接，识别财务管理应用程序中与数字文件相关联的记录应用。

9. 发明授权

US07840457B2 System and method for automated transaction splitting 有权
标题翻译：自动交易分割的系统和方法
公开(公告)号：US07840457B2
公开(公告)日：2010-11-23
申请号：US12053798
申请日：2008-03-24
申请人： Marko Rukonic , Benjamin R. Weiss
发明人： Marko Rukonic , Benjamin R. Weiss
IPC分类号： G07B17/00 , G07F19/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/06 , G06Q40/12 , Y10S707/99931
摘要： A system and method are provided for automated transaction splitting. A central repository gathers details of multi-category transactions between a first payee (e.g., merchant, investment firm) and one or more users. Each category's proportionate share of the total of the transactions is calculated and used to configure an average or model transaction. When a new transaction is received, it is automatically split among the categories based on the model transaction. Multiple types or tiers of model transactions may be applied. For example, a user-specific model transaction may reflect one specific user's history of transactions with the payee. A community model transaction may reflect multiple users' transactions. Similarly, one type of model transaction may reflect transactions with a single payee, while another type may reflect transactions with related payees (e.g., payees having similar businesses).
摘要翻译：提供了一种用于自动交易分割的系统和方法。中央存储库收集第一收款人（例如，商家，投资公司）和一个或多个用户之间的多类别交易的细节。计算每个类别在交易总额中的比例份额，并用于配置平均或模型交易。收到新交易时，将根据模型交易自动分类。可以应用多种类型或层次的模型交易。例如，用户特定的模型交易可以反映一个特定用户与收款人的交易历史。社区模型交易可能反映了多个用户的交易。类似地，一种类型的模型交易可以反映与单个收款人的交易，而另一类型可以反映与相关收款人（例如具有类似业务的收款人）的交易。

10. 发明申请

US20090240605A1 SYSTEM AND METHOD FOR AUTOMATED TRANSACTION SPLITTING 有权
标题翻译：自动交易分割系统与方法
公开(公告)号：US20090240605A1
公开(公告)日：2009-09-24
申请号：US12053798
申请日：2008-03-24
申请人： Marko Rukonic , Benjamin R. Weiss
发明人： Marko Rukonic , Benjamin R. Weiss
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/06 , G06Q40/12 , Y10S707/99931
摘要： A system and method are provided for automated transaction splitting. A central repository gathers details of multi-category transactions between a first payee (e.g., merchant, investment firm) and one or more users. Each category's proportionate share of the total of the transactions is calculated and used to configure an average or model transaction. When a new transaction is received, it is automatically split among the categories based on the model transaction. Multiple types or tiers of model transactions may be applied. For example, a user-specific model transaction may reflect one specific user's history of transactions with the payee. A community model transaction may reflect multiple users' transactions. Similarly, one type of model transaction may reflect transactions with a single payee, while another type may reflect transactions with related payees (e.g., payees having similar businesses).
摘要翻译：提供了一种用于自动交易分割的系统和方法。中央存储库收集第一收款人（例如，商家，投资公司）和一个或多个用户之间的多类别交易的细节。计算每个类别在交易总额中的比例份额，并用于配置平均或模型交易。收到新交易时，将根据模型交易自动分类。可以应用多种类型或层次的模型交易。例如，用户特定的模型交易可以反映一个特定用户与收款人的交易历史。社区模型交易可能反映了多个用户的交易。类似地，一种类型的模型交易可以反映与单个收款人的交易，而另一类型可以反映与相关收款人（例如具有类似业务的收款人）的交易。

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