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1. 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。

2. 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。

3. 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。

4. 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。

5. 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。

6. 发明授权

US08060423B1 Method and system for automatic categorization of financial transaction data based on financial data from similarly situated users 有权
标题翻译：基于类似位置的用户的财务数据自动分类金融交易数据的方法和系统
公开(公告)号：US08060423B1
公开(公告)日：2011-11-15
申请号：US12059372
申请日：2008-03-31
申请人： Marko Rukonic , James Robert Del Favero , Chris Lee , George A. Hansen , Benjamin Weiss , Barron R. Ernst
发明人： Marko Rukonic , James Robert Del Favero , Chris Lee , George A. Hansen , Benjamin Weiss , Barron R. Ernst
IPC分类号： G06Q40/00 , G06F17/30
CPC分类号： G06F17/30598 , G06Q40/00 , G06Q40/02 , Y10S707/95
摘要： Financial data associated with one or more “contributing consumers” is obtained from one or more sources and categorized and associated with a specific expense/income category. One or more attributes associated with the contributing consumers are then identified and used to analyze, aggregate, and categorize the financial data according to the attributes. Data representing a user financial transaction is then obtained for categorization and one or more specific user attributes associated with the user are identified. The user financial transaction is then categorized based, at least in part, on the categorization of similar contributing consumer financial transactions by contributing consumers having at least one of the specific user attributes.
摘要翻译：与一个或多个“贡献消费者”相关联的财务数据从一个或多个来源获得并被分类并与特定费用/收入类别相关联。然后识别与贡献消费者相关联的一个或多个属性，并用于根据属性分析，聚合和分类财务数据。然后获得表示用户金融交易的数据用于分类，并且识别与用户相关联的一个或多个特定用户属性。至少部分地，用户金融交易基于通过贡献具有至少一个特定用户属性的消费者进行类似的贡献消费者金融交易的分类。

7. 发明授权

US08538967B1 Optimizing recategorization of financial transactions using collaborative filtering 有权
标题翻译：使用协同过滤优化金融交易重新分类
公开(公告)号：US08538967B1
公开(公告)日：2013-09-17
申请号：US13005462
申请日：2011-01-12
申请人： David Junzi Wu , Levon Budagyan , Marko Rukonic
发明人： David Junzi Wu , Levon Budagyan , Marko Rukonic
IPC分类号： G06F17/30
CPC分类号： G06Q40/02
摘要： A method to optimize recategorization of financial transactions using collaborative filtering involves obtaining a set of financial transactions of a set of users with a merchant. The method also involves determining, using a processor, a first portion of the set of financial transactions assigned to each recategorization value of a set of recategorization values; determining, using the processor, a second portion of the set of financial transactions where the each recategorization value is different from an initial category; generating, using the processor, a recategorization index for each recategorization value using the first portion of each recategorization value and the second portion; and determining, using the processor, an alternative categorization candidate based on the recategorization index of the each recategorization value.
摘要翻译：使用协同过滤优化重新分类金融交易的方法涉及通过商家获得一组用户的一组金融交易。该方法还涉及使用处理器来确定分配给一组再分类值的每个再分类值的金融交易集合的第一部分; 使用所述处理器确定所述一组金融交易的第二部分，其中每个再分类值与初始类别不同; 使用所述处理器，使用每个重新分类值和所述第二部分的所述第一部分，为每个重新分类值生成重新分类索引; 以及基于每个重新分类值的重新分类指数来确定使用所述处理器的替代分类候选。

8. 发明授权

US08352350B1 Method and system for predictive event budgeting based on financial data from similarly situated consumers 有权
标题翻译：基于类似地位消费者的财务数据的预测事件预算的方法和系统
公开(公告)号：US08352350B1
公开(公告)日：2013-01-08
申请号：US13280817
申请日：2011-10-25
申请人： James Robert Del Favero , Chris Lee , Barron R. Ernst , Marko Rukonic
发明人： James Robert Del Favero , Chris Lee , Barron R. Ernst , Marko Rukonic
IPC分类号： G06Q40/00
CPC分类号： G06Q30/00 , G06Q10/0631 , G06Q10/0637 , G06Q10/087 , G06Q30/0206 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06 , G06Q40/12
摘要： Financial data associated with one or more “contributing consumers” is obtained. The financial data is then aggregated, analyzed, and/or categorized, according to one or more events and one or more criteria/parameters associated with the financial transaction data and/or the contributing consumer. The aggregated and/or categorized data is then stored. A “user consumer” then initiates a request for predictive event cost data associated with one or more specified events and the aggregated and/or categorized data representing the event related changes in the financial data is searched based. Results data representing the changes in the financial data for one or more similarly situated contributing consumers associated the specified event is then obtained and presented to the user consumer.
摘要翻译：获得与一个或多个贡献消费者相关联的财务数据。然后根据与金融交易数据和/或贡献消费者相关联的一个或多个事件和一个或多个标准/参数来汇总，分析和/或分类财务数据。然后存储聚合和/或分类的数据。然后，用户用户发起与一个或多个指定事件相关联的预测事件成本数据的请求，并且基于财务数据中的事件相关变化的聚合和/或分类数据进行搜索。然后获得表示与指定事件相关联的一个或多个类似位置的贡献消费者的财务数据的变化的结果数据并呈现给用户消费者。

9. 发明授权

US08799122B1 Method and system for user contributed aggregated fraud identification 有权
标题翻译：用户提供的方法和系统进行聚合欺诈识别
公开(公告)号：US08799122B1
公开(公告)日：2014-08-05
申请号：US12060092
申请日：2008-03-31
申请人： James R. Del Favero , Marko Rukonic
发明人： James R. Del Favero , Marko Rukonic
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/4016
摘要： A method for identifying an origin of fraudulent activity including receiving a first affirmative fraud flag from a first user for a financial transaction associated with a first user account and obtaining financial transaction information for the first user account, which includes a first financial transaction entry listing a payee and a first time. The method further includes receiving a second affirmative fraudulent flag from a second user corresponding to a financial transaction and a second user account and obtaining financial transaction information for the second user account, which includes a second financial transaction entry listing the payee and a second time. The method further includes determining an intersection between the first and the second financial transaction entries, identifying a potential origin of fraud from the intersection, and alerting the first and the second user of the potential origin of fraud.
摘要翻译：一种用于识别欺诈活动的来源的方法，包括从第一用户接收与第一用户帐户相关联的金融交易的第一肯定欺诈标志并获得第一用户账户的金融交易信息，该金融交易信息包括列出第一金融交易条目收款人和第一次。该方法还包括从第二用户接收对应于金融交易和第二用户账户的第二肯定欺诈标志，并且获得第二用户账户的金融交易信息，其包括列出收款人的第二金融交易条目和第二次。该方法还包括确定第一和第二金融交易条目之间的交叉点，从交点识别潜在的欺诈来源，以及向第一和第二用户发出潜在的欺诈原因。

10. 发明授权

US08380590B1 Method and system for detecting recurring income from financial transaction data 有权
标题翻译：从金融交易数据中检测经常性收入的方法和系统
公开(公告)号：US08380590B1
公开(公告)日：2013-02-19
申请号：US12414847
申请日：2009-03-31
申请人： Marko Rukonic , James Robert Del Favero , Nicholas Augustine Mooney
发明人： Marko Rukonic , James Robert Del Favero , Nicholas Augustine Mooney
IPC分类号： G06Q40/00 , G07F19/00 , G07B17/00
CPC分类号： G06Q40/02
摘要： A method and system for detecting and categorizing recurring income whereby financial transaction data associated with a given user is obtained from one or more sources. One or more income identification parameters are defined. The given user identifies one or more deposit transactions included in the financial transaction data as an income transaction. The one or more income identification parameter values associated with one or more unidentified deposit transactions are then compared with the income identification parameter values associated with the user identified income transactions. Any of one or more unidentified deposit transactions having income identification parameter values the same as, or sufficiently similar to, the income identification parameter values associated with the user identified income transactions are then categorized as identified income transactions of the same type, and/or as being from the same given payor/income source, as the user identified income transactions.
摘要翻译：一种用于检测和分类经常性收入的方法和系统，从而从一个或多个来源获得与给定用户相关联的金融交易数据。定义一个或多个收入识别参数。给定用户将包括在金融交易数据中的一个或多个存款交易识别为收入交易。然后将与一个或多个未识别的存款交易相关联的一个或多个收入识别参数值与与用户识别的收入交易相关联的收入识别参数值进行比较。具有与用户识别的收入交易相关联的收入识别参数值相同或足够相似的收入识别参数值的任何一个或多个未识别的存款交易然后被分类为相同类型的已识别收入交易，和/或来自同一给定的付款人/收入来源，因为用户确定了收入交易。

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