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1. 发明申请

US20120078780A1 TRANSACTIONAL SAVINGS AND INVESTMENTS 审中-公开
标题翻译：交易性储蓄和投资
公开(公告)号：US20120078780A1
公开(公告)日：2012-03-29
申请号：US12892882
申请日：2010-09-28
申请人： Erik S. Ross , Alexander Azariy Shenkar , Yolandis Speed , Darren Paul Stillwell , Mei-Ling In Johnson , Susan S. Thomas
发明人： Erik S. Ross , Alexander Azariy Shenkar , Yolandis Speed , Darren Paul Stillwell , Mei-Ling In Johnson , Susan S. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q40/02
摘要： A method of transactional savings is described. First and second portions of a total amount associated with a transaction may be identified. The first portion and the second portion may be different monetary funds of the total amount of monetary funds. A first account of a customer associated with an entity may be determined, and an amount of debt of monetary funds of the first account may be determined. The first portion of the total amount of monetary funds may be applied against the amount of debt of the first account, and the second portion may be maintained in a second account of the customer. Occurrence data representative of an occurrence of a triggering event associated with a transactional savings program of the entity may be received, and an amount of the second account to permit access to by the customer may be determined based upon the occurrence data.
摘要翻译：描述了一种交易储蓄的方法。可以识别与交易相关联的总金额的第一和第二部分。第一部分和第二部分可以是货币资金总额的货币资金不同。可以确定与实体相关联的客户的第一帐户，并且可以确定第一帐户的货币资金的债务量。货币资金总额的第一部分可以应用于第一个帐户的债务金额，第二部分可以保留在客户的第二个帐户中。可以接收表示与实体的交易储蓄程序相关联的触发事件的发生的发生数据，并且可以基于发生数据来确定允许客户访问的第二帐户的数量。

2. 发明申请

US20130060617A1 Rewarding Fiscal Responsibility 审中-公开
标题翻译：奖励财政责任
公开(公告)号：US20130060617A1
公开(公告)日：2013-03-07
申请号：US13224048
申请日：2011-09-01
申请人： Erik Stephen Ross , Leonard Marc Nathan , Dianne Agnes Fair , Alexander Azariy Shenkar , Darren Paul Stillwell , Ellen Howse Brannen , Mei-Ling In Johnson , Susan S. Thomas , Yolandis Rogers , Eric James Golla
发明人： Erik Stephen Ross , Leonard Marc Nathan , Dianne Agnes Fair , Alexander Azariy Shenkar , Darren Paul Stillwell , Ellen Howse Brannen , Mei-Ling In Johnson , Susan S. Thomas , Yolandis Rogers , Eric James Golla
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q40/00
摘要： An enhanced rewards server may analyze the progress of an individual, group, and/or organization towards a financial goal and may reward the individual, group, and/or organization once the goal has been achieved. The enhanced rewards server may analyze various pieces of information, including transaction data related to credit cards and bank accounts, to determine whether the individual, group, and/or organization is making progress towards the financial goal. In addition, the rewards server may consider progress evaluations made by a social network associated with the individual, group, and/or organization in deciding whether or not a reward should be transmitted.
摘要翻译：增强的奖励服务器可以分析个人，团体和/或组织朝向财务目标的进度，并且一旦达到目标就可以奖励个体，组和/或组织。增强的奖励服务器可以分析各种信息，包括与信用卡和银行账户相关的交易数据，以确定个人，组和/或组织是否在实现财务目标方面取得进展。此外，奖励服务器可以考虑与个人，组和/或组织相关联的社交网络进行的进行评估，以决定是否应该传送奖励。

3. 发明申请

US20130054345A1 DATA MINING 审中-公开
标题翻译：数据挖掘
公开(公告)号：US20130054345A1
公开(公告)日：2013-02-28
申请号：US13216387
申请日：2011-08-24
申请人： Erik Stephen Ross , Mei-Ling In Johnson , Bhupendra Rathore , Alexander Azariy Shenkar , Susan S. Thomas
发明人： Erik Stephen Ross , Mei-Ling In Johnson , Bhupendra Rathore , Alexander Azariy Shenkar , Susan S. Thomas
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q30/0207 , G06Q40/02
摘要： A method, apparatus, computer-readable medium and system are disclosed for acquiring data with respect to a user. In some embodiments, a computational algorithm may determine whether to provide one or more products and/or services to a user. The products and/or services may be related to banking. In some embodiments, a device may receive a request for products/services. After an initial examination of the request, the device may make a determination that more information is needed. A request for the additional information may be transmitted, and the transmitted request may include one or more incentives for voluntarily disclosing the information. In some embodiments, the requested additional information may include verified income and/or expenses. A response to the request for additional information may be received at the device. The device may analyze the response and may extend an offer for products/services. The device may further include in the offer at least one incentive as a function of information included in the response.
摘要翻译：公开了用于获取关于用户的数据的方法，装置，计算机可读介质和系统。在一些实施例中，计算算法可以确定是否向用户提供一个或多个产品和/或服务。产品和/或服务可能与银行业有关。在一些实施例中，设备可以接收对产品/服务的请求。在对请求进行初步检查之后，设备可以确定需要更多的信息。可以发送对附加信息的请求，并且所发送的请求可以包括用于主动公开信息的一个或多个激励。在一些实施例中，所请求的附加信息可以包括验证的收入和/或费用。可以在设备处接收到对附加信息的请求的响应。该设备可以分析响应并且可以扩展产品/服务的报价。该设备还可以根据响应中包含的信息进一步包括提供至少一个激励。

4. 发明申请

US20120078781A1 Automatic Bill-Pay Setup 审中-公开
标题翻译：自动账单支付设置
公开(公告)号：US20120078781A1
公开(公告)日：2012-03-29
申请号：US12890875
申请日：2010-09-27
申请人： Erik S. Ross , Susan S. Thomas
发明人： Erik S. Ross , Susan S. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06Q30/04 , G06Q40/02
摘要： A system and method of automatically setting up bill-pay transactions between a customer of a financial institution and a bill-pay client is presented. The system and method may include identifying, by a bill-pay system associated with the financial institution, one or more customers eligible for automatic bill-pay set up and one or more bill-pay clients. Upon acceptance of an offer to the customer to automatically setup bill-pay, bill-pay transaction data may be received at a bill-pay system and may be used to set up one or more bill-pay transactions between the customer and the bill-pay client.
摘要翻译：提出了一种在金融机构的客户和付款客户端之间自动设置帐单交易交易的系统和方法。系统和方法可以包括通过与金融机构相关联的账单支付系统来识别符合自动账单支付设置的一个或多个客户和一个或多个账单支付客户端。在接受向客户提供的报价以自动设置票据支付时，可以在票据支付系统处接收票据交易数据，并且可以用于在客户和账单支付交易之间建立一个或多个账单交易交易，支付客户

5. 发明申请

US20130054455A1 System for Allocating and Managing Contributions to Account Categories 审中-公开
标题翻译：分配和管理账户类别分配的系统
公开(公告)号：US20130054455A1
公开(公告)日：2013-02-28
申请号：US13221166
申请日：2011-08-30
申请人： Carrie Anne Hanson , Brad J. Kirchenbaum , Kimberly B. Summerrow , Christopher M. Adams , Jason Typrin , Erik S. Ross , Jacqueline A. Corr , Deshaun G. Hunter , Susan S. Thomas
发明人： Carrie Anne Hanson , Brad J. Kirchenbaum , Kimberly B. Summerrow , Christopher M. Adams , Jason Typrin , Erik S. Ross , Jacqueline A. Corr , Deshaun G. Hunter , Susan S. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary, the account being identifiable by an account number, comprises a management module, a contributor module, and an allocation module. The management module is operable to register a plurality of contributors. The contributor module is operable to receive information identifying a first contributor, determine whether the first contributor is one of the plurality of registered contributors, and if the first contributor is a registered contributor, receive, from the first contributor, a deposit of funds, the deposit comprising a first set of funds associated by the first contributor for deposit into the account without identifying the account by the account number. The allocation module operable to deposit the first set of funds into the account without informing the first contributor of the account number.
摘要翻译：根据一些实施例，一种用于将资金接收到为帐户受益人持有的账户的存款系统，该帐户可由帐号识别，包括管理模块，贡献者模块和分配模块。管理模块可操作以注册多个贡献者。贡献者模块可操作地接收识别第一贡献者的信息，确定第一贡献者是否是多个注册贡献者中的一个，并且如果第一贡献者是注册贡献者，则从第一贡献者接收资金存款，存款包括由第一供稿人相关的第一组资金存入帐户，而不用帐号识别帐户。所述分配模块可操作以将所述第一组资金存入所述账户而不通知所述第一贡献者账号。

6. 发明申请

US20130054456A1 SYSTEM FOR ALLOCATING AND MANAGING CONTRIBUTIONS TO ACCOUNT CATEGORIES 审中-公开
标题翻译：用于分配和管理账户类别捐款的系统
公开(公告)号：US20130054456A1
公开(公告)日：2013-02-28
申请号：US13221281
申请日：2011-08-30
申请人： Carrie Anne Hanson , Brad J. Kirchenbaum , Kimberly B. Summerrow , Christopher M. Adams , Jason Typrin , Erik S. Ross , Jacqueline A. Corr , Deshaun G. Hunter , Susan S. Thomas
发明人： Carrie Anne Hanson , Brad J. Kirchenbaum , Kimberly B. Summerrow , Christopher M. Adams , Jason Typrin , Erik S. Ross , Jacqueline A. Corr , Deshaun G. Hunter , Susan S. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an achievement manager. The management module is operable to associate each account category of the plurality of account categories associated with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive a confirmation to deposit funds in at least one of the account categories upon accomplishment of an achievement by the account beneficiary. The achievement manager is operable to receive notification of the accomplishment of the achievement and instruct the contributor module to transfer the confirmed funds to the at least one of the account categories.
摘要翻译：根据一些实施例，用于在为帐户受益人保持的多个帐户类别中分配存放资金的存款系统包括管理模块，贡献者模块和成就管理器。管理模块可操作地将与特定目的相关联的多个帐户类别的每个帐户类别相关联，每个目的限制其相关帐户类别中的资金的使用。贡献者模块可操作地在由帐户受益人完成成就时接收到在至少一个账户类别中存入资金的确认。成就经理可操作地接收完成成就的通知，并指示贡献者模块将确认的资金转移到至少一个账户类别。

7. 发明申请

US20120078764A1 Automatic Identification Of Bill-Pay Clients 审中-公开
标题翻译：自动识别账单支付客户
公开(公告)号：US20120078764A1
公开(公告)日：2012-03-29
申请号：US12890885
申请日：2010-09-27
申请人： Erik S. Ross , Susan S. Thomas
发明人： Erik S. Ross , Susan S. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/14 , G06Q40/00
摘要： A system and method of automatically identifying bill-pay clients eligible for an electronic bill-pay transaction with a customer of a financial institution is presented. The system and method may include identifying, by a bill-pay identification system associated with the financial institution, one or more customers eligible for electronic bill-pay and data associated with the one or more customers, such as a location of the customer, demographic information, home address of the customer, and the like. One or more bill-pay clients may be automatically identified based on bill-pay client being within a predefined distance of the location or address of the customer, a bill-pay relationship with another customer of the financial institution within the predefined distance, received demographic information, etc. In some arrangements, automatic setup of bill-pay transactions between the customer and the identified bill-pay client may be offered to the customer.
摘要翻译：介绍了自动识别符合金融机构客户进行电子账单支付交易的票据收费客户的系统和方法。系统和方法可以包括通过与金融机构相关联的票据支付识别系统识别符合电子账单支付的一个或多个客户和与一个或多个客户相关联的数据，诸如客户的位置，人口统计信息，客户的住址等。可以基于在客户的位置或地址的预定义距离内的票据支付客户端自动识别一个或多个票据支付客户端，与预定义距离内的金融机构的另一客户的账单支付关系，接收到的人口统计信息等。在一些安排中，可以向客户提供在客户和识别的帐单支付客户端之间自动设置帐单支付交易。

8. 发明申请

US20120078716A1 Consumer-Focused Marketing And Consumer Task Management 审中-公开
标题翻译：以消费者为中心的营销和消费者任务管理
公开(公告)号：US20120078716A1
公开(公告)日：2012-03-29
申请号：US12894109
申请日：2010-09-29
申请人： Erik S. Ross , Susan S. Thomas , Ekaterina A. Homyakova
发明人： Erik S. Ross , Susan S. Thomas , Ekaterina A. Homyakova
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0255
摘要： An organization may identify target groups of consumers based on credit data meeting one or more pre-defined criteria and offer the identified individuals products and/or services that include favorable rates, benefits and/or incentives related to activities regularly engaged in by the individuals. Credit data may be mined from, for example, a credit bureau to identify individuals with credit scores in various percentiles as compared to all other consumers in a particular market or geographic region. Various types of transaction data associated with these individuals may then be obtained and analyzed to determine activities (e.g., tasks, chores, errands, activities, etc.) repeatedly engaged in by at least some percentage of the identified individuals, which may then be used as bases for offering certain products and/or services that include incentives or benefits more-specifically tailored to potential interests. The organization may also identify and select channels of communication for presenting product and/or service offerings to a target group of individuals based on recognized transaction patterns of the group.
摘要翻译：组织可以基于符合一个或多个预定义标准的信用数据来识别目标消费者群体，并且提供所识别的个体产品和/或服务，其包括与个体经常参与的活动相关的有利的利率，利益和/或激励。与特定市场或地理区域中的所有其他消费者相比，信用数据可以从例如信用局开采，以识别具有各种百分位数的信用评分的个体。然后可以获得和分析与这些个人相关联的各种类型的交易数据，以分析由至少一定百分比的所识别的个人重复参与的活动（例如，任务，家务，差事，活动等），然后可以使用作为提供特定产品和/或服务的基础，其中包括更多针对潜在利益的激励或利益。该组织还可以基于该组的所识别的交易模式来识别和选择用于向目标个人组呈现产品和/或服务产品的通信渠道。

9. 发明申请

US20130054460A1 System for Allocating and Managing Contributions to Account Categories 审中-公开
标题翻译：分配和管理账户类别分配的系统
公开(公告)号：US20130054460A1
公开(公告)日：2013-02-28
申请号：US13221049
申请日：2011-08-30
申请人： Carrie Anne Hanson , Brad J. Kirchenbaum , Kimberly B. Summerrow , Christopher M. Adams , Jason Typrin , Erik S. Ross , Jacqueline A. Corr , Deshaun G. Hunter , Susan S. Thomas
发明人： Carrie Anne Hanson , Brad J. Kirchenbaum , Kimberly B. Summerrow , Christopher M. Adams , Jason Typrin , Erik S. Ross , Jacqueline A. Corr , Deshaun G. Hunter , Susan S. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an allocation module. The management module is operable to associate each account category of the plurality of account categories with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive, from a contributor, a deposit of funds, the deposit comprising a first set of funds associated by the contributor with a first purpose and a second set of funds associated by the contributor with a second purpose. The allocation module operable to deposit the first set of funds into the account category associated with the first purpose and deposit the second set of funds into the account category associated with the second purpose.
摘要翻译：根据一些实施例，用于在为帐户受益人保持的多个帐户类别中分配存入资金的存款系统包括管理模块，贡献者模块和分配模块。管理模块可操作地将多个帐户类别的每个帐户类别与特定目的相关联，每个目的限制其相关帐户类别中的资金的使用。投稿者模块可操作地从投稿人接收资金存款，存款包括由投稿人相关联的第一组资金与第二目的的第一目的和由投稿人相关联的第二组资金。分配模块可操作以将第一组资金存入与第一目的相关联的账户类别中，并将第二组资金存入与第二目的相关联的账户类别中。

10. 发明申请

US20130054453A1 System for Allocating and Managing Contributions to Account Categories 审中-公开
标题翻译：分配和管理账户类别分配的系统
公开(公告)号：US20130054453A1
公开(公告)日：2013-02-28
申请号：US13221308
申请日：2011-08-30
申请人： Carrie Anne Hanson , Brad J. Kirchenbaum , Kimberly B. Summerrow , Christopher M. Adams , Jason Typrin , Erik S. Ross , Jacqueline A. Corr , Deshaun G. Hunter , Susan S. Thomas
发明人： Carrie Anne Hanson , Brad J. Kirchenbaum , Kimberly B. Summerrow , Christopher M. Adams , Jason Typrin , Erik S. Ross , Jacqueline A. Corr , Deshaun G. Hunter , Susan S. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary comprises a spending tracker, a reimbursement module, a contributor module, and an allocation module. The spending tracker is operable to determine an amount of a withdrawal from the account. The reimbursement module is operable to request an amount of funds from a contributor, the amount of the request associated with the amount of the withdrawal. The contributor module operable to receive the funds from the contributor. The allocation module operable to deposit the funds into the account held for the account beneficiary.
摘要翻译：根据一些实施例，用于将资金接收到为帐户受益人持有的账户的存款系统包括支出跟踪器，报销模块，贡献者模块和分配模块。消费跟踪器可操作地确定从账户中提取的金额。报销模块可操作地从贡献者请求一定数量的资金，与撤回金额相关联的请求金额。贡献者模块可操作以从贡献者接收资金。分配模块可用于将资金存入为帐户受益人持有的账户。

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