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1. 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。

2. 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。

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。

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