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21. 发明申请

WO2010114733A1 SYSTEMS AND METHODS FOR BUDGET GUARDRAILS 审中-公开
标题翻译：预算管理系统和方法
公开(公告)号：WO2010114733A1
公开(公告)日：2010-10-07
申请号：PCT/US2010/028198
申请日：2010-03-22
申请人： BANK OF AMERICA CORPORATION , ARIFF, Kazi, M. , SMITH, Carol, A. , JOHNSON, Shane, A. , TIPPER, Russell, W. , LI, Yicong , O'CONNOR, Sean, M. , KELLEY, Thomas, D. , THOMAS, Susan, S. , BOROWSKI, William, F. , AHERON, William, J. , ANDERSON, Judith, M. , HAYES, Steven, K. , WOLFSON, Neal, G. , JUDD, Jeffrey, P. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
发明人： ARIFF, Kazi, M. , SMITH, Carol, A. , JOHNSON, Shane, A. , TIPPER, Russell, W. , LI, Yicong , O'CONNOR, Sean, M. , KELLEY, Thomas, D. , THOMAS, Susan, S. , BOROWSKI, William, F. , AHERON, William, J. , ANDERSON, Judith, M. , HAYES, Steven, K. , WOLFSON, Neal, G. , JUDD, Jeffrey, P. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
IPC分类号： G06F17/50
CPC分类号： G06Q40/12 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for user-configured spending guardrails in a budget tracking system. The use of spending guardrails is instrumental in insuring that the user of the budget tracking system adheres to their assigned budget. By providing for dynamically configurable spending thresholds the user may define, change, suspend or the like spending guardrails as dictated by current circumstances. The configurable nature of the guardrails insures that guardrails are tailored to the needs of the individual user.
摘要翻译：在预算跟踪系统中为用户配置的消费护栏提供系统，方法和计算机程序产品。使用支出护栏有助于确保预算跟踪系统的用户遵守其分配的预算。通过提供可动态配置的支出阈值，用户可以根据当前情况来定义，更改，暂停等消费护栏。护栏的可配置性确保护栏符合个人用户的需求。

22. 发明申请

WO2010114677A1 PERSONAL FINANCIAL NETWORK 审中-公开
标题翻译：个人财务网络
公开(公告)号：WO2010114677A1
公开(公告)日：2010-10-07
申请号：PCT/US2010/026459
申请日：2010-03-08
申请人： BANK OF AMERICA , THOMAS, Susan, S. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , O'CONNOR, Sean, M. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
发明人： THOMAS, Susan, S. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , O'CONNOR, Sean, M. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another.
摘要翻译：提供了用于提供个人金融网络服务的装置和方法。该方法可以使用电子信息处理平台。该方法可以包括存储与第一参与者帐户有关的信息。该方法还可以包括存储与第二参与者帐户有关的信息。本发明的系统和方法还可以包括存储与包含第一参与者和第二参与者帐户的一组帐户有关的信息，其中第一所述帐户和第二所述帐户彼此独立地存储。

23. 发明申请

WO2010107599A1 FLEXIBLE DESIGN PENSION ACCOUNT 审中-公开
标题翻译：灵活设计退休帐户
公开(公告)号：WO2010107599A1
公开(公告)日：2010-09-23
申请号：PCT/US2010/026458
申请日：2010-03-08
申请人： BANK OF AMERICA , KIRKMAN, James P. , BOROWSKI, William F. , ARIFF, Kazi M. , SMITH, Carol A. , ANDERSON, Judith M. , HAYES, Steven K. , KELLEY, Thomas D. , WOLFSON, Neal G. , THOMAS, Susan S. , TIPPER, Russell W. , JUDD, Jeffrey P. , AHERON, William J. , YICONG, Li , JOHNSON, Shane A. , O'CONNOR, Sean M. , BIERER, Jeffrey H.
发明人： KIRKMAN, James P. , BOROWSKI, William F. , ARIFF, Kazi M. , SMITH, Carol A. , ANDERSON, Judith M. , HAYES, Steven K. , KELLEY, Thomas D. , WOLFSON, Neal G. , THOMAS, Susan S. , TIPPER, Russell W. , JUDD, Jeffrey P. , AHERON, William J. , YICONG, Li , JOHNSON, Shane A. , O'CONNOR, Sean M. , BIERER, Jeffrey H.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/06
摘要： Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax- deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator. [055] Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax- deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator.
摘要翻译：提供了用于配置灵活养老金账户的设备和方法。灵活的养老金账户可以作为金融机构的产品提供。可以选择用于管理账户资金分配，帐户资金分配，帐户修改和帐户管理的条款，以创建根据个人客户需求定制的账户。帐户设计中的灵活性允许来自各种贡献者的不平等贡献以及向各种受益者分配不平等。灵活的设计可以在某些实施例中与减税增长和最低收入保证相结合。帐户管理和修改可能由帐户管理员掌握。提供了用于配置灵活的养老金账户的设备和方法。灵活的养老金账户可以作为金融机构的产品提供。可以选择用于管理账户资金分配，帐户资金分配，帐户修改和帐户管理的条款，以创建根据个人客户需求定制的账户。帐户设计中的灵活性允许来自各种贡献者的不平等贡献以及向各种受益者分配不平等。灵活的设计可以在某些实施例中与减税增长和最低收入保证相结合。帐户管理和修改可能由帐户管理员掌握。

24. 发明申请

WO2010107588A1 MASTER FINANCIAL ACCOUNT 审中-公开
标题翻译：主金融账户
公开(公告)号：WO2010107588A1
公开(公告)日：2010-09-23
申请号：PCT/US2010/026168
申请日：2010-03-04
申请人： BANK OF AMERICA , O'CONNOR, Sean, M. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , THOMAS, Susan, S. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, James, P. , BLERER, Jeffrey, H.
发明人： O'CONNOR, Sean, M. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , THOMAS, Susan, S. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, James, P. , BLERER, Jeffrey, H.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： Apparatus and methods for configuring a master financial account providing comprehensive access to financial services are provided. A master account may be configured for a customer of a financial institution. The master account holder may build a customized array of financial services which may be accessed and managed through the master account. Benefits associated with use of a sub-account may accrue collectively in the master account.
摘要翻译：提供了配置提供金融服务综合访问权限的主金融账户的设备和方法。可以为金融机构的客户配置主账户。主账户持有人可以构建一系列可以通过主账户访问和管理的金融服务。与使用子帐户相关的利益可能会在主账户中集体产生。

25. 发明申请

WO2010068439A1 CURRENCY RECYCLER RECONCILEMENT ACTIVITY 审中-公开
标题翻译：货币回收业务重组活动
公开(公告)号：WO2010068439A1
公开(公告)日：2010-06-17
申请号：PCT/US2009/065720
申请日：2009-11-24
申请人： BANK OF AMERICA CORPORATION , SANDERS, William, Thomas , BOHEN, Daniel, Christopher , JOHNSON, Shane, Anthony , FOLK, Amy, Baker
发明人： SANDERS, William, Thomas , BOHEN, Daniel, Christopher , JOHNSON, Shane, Anthony , FOLK, Amy, Baker
IPC分类号： G07F19/00
CPC分类号： G07F19/202 , G07F19/20
摘要： A currency handling system, for example, a currency recycler or depository machine, may be configured to process currency transactions, including receiving one or more currency deposits. The currency recycler may attempt to accept and validate the currency received in the deposits, organizing and storing some validated currency while designating one or more other units of currency as temporarily unreconcilable. The currency recycler may also generate and transmit reconcilement reports summarizing a set of currency transactions, including data corresponding to the validated currency and temporarily unreconcilable currency. Reconcilement reports may be output to users or transmitted to corporate offices for business purposes, or may be transmitted to financial institutions for crediting bank accounts, and currency that could not be validated may be stored securely to allow a business to receive provisional credit.
摘要翻译：货币处理系统（例如货币回收商或存托机）可以被配置为处理货币交易，包括接收一个或多个货币存款。货币回收商可以尝试接受和验证在存款中收到的货币，组织和存储一些验证货币，同时指定一个或多个其他货币单位暂时不可调和。货币回收商还可以生成和传送汇总一组货币交易的调节报告，包括与验证货币相对应的数据和暂时不可调和的货币。调解报告可能会输出给用户或传送到企业办公室进行商业目的，或者可以转交给金融机构进行贷记银行账户，不能验证的货币可以安全存储，以允许企业接受临时信贷。

26. 发明申请

WO2010039688A3 AUTOMATIC GENERATION OF CHANGE ORDERS 审中-公开
标题翻译：变更单的自动生成
公开(公告)号：WO2010039688A3
公开(公告)日：2010-05-27
申请号：PCT/US2009058743
申请日：2009-09-29
申请人： BANK OF AMERICA , SANDERS WILLIAM THOMAS , BOHEN DANIEL CHRISTOPHER , JOHNSON SHANE ANTHONY , FOLK AMY BAKER
发明人： SANDERS WILLIAM THOMAS , BOHEN DANIEL CHRISTOPHER , JOHNSON SHANE ANTHONY , FOLK AMY BAKER
IPC分类号： G06Q20/00
CPC分类号： G07F19/00 , G06Q20/10 , G06Q20/1085 , G06Q20/18 , G06Q20/20
摘要： A method for automatically generating change orders may be performed at a point of sale system. The point of sale system may determine an amount of funds in the point of sale system and whether additional funds are necessary. If so, a change order may be automatically requested from a back office system (e.g., a cash recycler) or a financial institution. The back office system may determine whether it is able to fulfill the change order request and if not, forward the request to the financial institution. In one or more arrangements, a notification that a change order request has been received may be transmitted to a manager or other change order personnel. The change order request and funds delivered to the point of sale system in response thereto may be reconciled with the back office system.
摘要翻译：可以在销售点系统处执行用于自动生成更改订单的方法。销售点系统可以确定销售点系统中的资金量以及是否需要额外的资金。如果是这样，可以从后台系统（例如现金回收商）或金融机构自动请求变更单。后台系统可以确定是否能够履行变更请求，如果不能，则将请求转发给金融机构。在一个或多个布置中，可以将已经接收到变更单请求的通知传送给管理员或其他变更单人员。响应于此的交付给销售点系统的变更单请求和资金可与后台系统协调一致。

27. 发明申请

WO2010039688A2 AUTOMATIC GENERATION OF CHANGE ORDERS 审中-公开
标题翻译：自动生成更改订单
公开(公告)号：WO2010039688A2
公开(公告)日：2010-04-08
申请号：PCT/US2009/058743
申请日：2009-09-29
申请人： BANK OF AMERICA CORPORATION , SANDERS, William, Thomas , BOHEN, Daniel, Christopher , JOHNSON, Shane, Anthony , FOLK, Amy, Baker
发明人： SANDERS, William, Thomas , BOHEN, Daniel, Christopher , JOHNSON, Shane, Anthony , FOLK, Amy, Baker
IPC分类号： G06Q40/00 , G07F19/00
CPC分类号： G07F19/00 , G06Q20/10 , G06Q20/1085 , G06Q20/18 , G06Q20/20
摘要： A method for automatically generating change orders may be performed at a point of sale system. The point of sale system may determine an amount of funds in the point of sale system and whether additional funds are necessary. If so, a change order may be automatically requested from a back office system (e.g., a cash recycler) or a financial institution. The back office system may determine whether it is able to fulfill the change order request and if not, forward the request to the financial institution. In one or more arrangements, a notification that a change order request has been received may be transmitted to a manager or other change order personnel. The change order request and funds delivered to the point of sale system in response thereto may be reconciled with the back office system.
摘要翻译：可以在销售点系统处执行自动产生变更单的方法。销售点系统可以确定销售点系统的资金数额，以及是否需要额外的资金。如果是这样，可以从后台系统（例如现金回收商）或金融机构自动请求更改订单。后台系统可以确定是否能够完成更改订单请求，如果不是，则将该请求转发给金融机构。在一个或多个布置中，可以向经理或其他改变订单人员发送已经接收到更改订单请求的通知。兑换订单请求和交付给销售点系统的资金可以与后台系统协调。

28. 发明申请

WO2009059216A1 PAYMENT HANDLING 审中-公开
标题翻译：付款处理
公开(公告)号：WO2009059216A1
公开(公告)日：2009-05-07
申请号：PCT/US2008/082100
申请日：2008-10-31
申请人： BANK OF AMERICA CORPORATION , JOHNSON, Shane Anthony , WALBERT, John Scott , SANDERS, William Thomas , DRAVNEEK, Victoria Lynn , SHAVER, John Daniel , WEICHERT, Margaret Morgan , JOHNSTON, Bethann , GRANT, Karren D. , BOHEN, Daniel Christopher
发明人： JOHNSON, Shane Anthony , WALBERT, John Scott , SANDERS, William Thomas , DRAVNEEK, Victoria Lynn , SHAVER, John Daniel , WEICHERT, Margaret Morgan , JOHNSTON, Bethann , GRANT, Karren D. , BOHEN, Daniel Christopher
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4037 , G06Q20/10 , G06Q20/102 , G06Q20/1085 , G06Q20/20
摘要： Systems and methods are disclosed for handling a payment at a point of sale or a remote payment acceptance and processing location for a customer account. The systems and methods may include receiving a payment at a point of sale or a remote payment acceptance and processing location and identifying data including at least an amount of the payment that is associated with the payment. The data may be transmitted over a computer network and stored in a data store that is associated with a customer account. A balance of the customer account may be rapidly updated based on the data associated with the payment. The data may be transmitted over a computer network and may be utilized in a computer software application to provide a customer account with rapid recognition of a payment and of a total balance.
摘要翻译：公开了用于在销售点或客户帐户的远程支付接收和处理位置处理支付的系统和方法。系统和方法可以包括在销售点或远程支付接收和处理位置处接收支付，并且识别包括与支付相关联的支付金额的至少一个数量的数据。数据可以通过计算机网络传输并存储在与客户帐户相关联的数据存储中。可以根据与付款相关联的数据快速更新客户帐户的余额。数据可以通过计算机网络传输，并且可以在计算机软件应用程序中使用，以向客户帐户提供对付款和总余额的快速识别。

29. 发明申请

WO2012174145A3 ENERGY SYSTEMS AND ENERGY SUPPLY METHODS 审中-公开
标题翻译：能源系统和能源供应方法
公开(公告)号：WO2012174145A3
公开(公告)日：2013-03-14
申请号：PCT/US2012042294
申请日：2012-06-13
申请人： DEMAND ENERGY NETWORKS INC , JOHNSON SHANE , COXON ALLAN , WALKER IAN
发明人： JOHNSON SHANE , COXON ALLAN , WALKER IAN
IPC分类号： H02J3/38
CPC分类号： H02J7/0068 , H02J3/36 , H02J3/383 , H02J3/386 , H02J4/00 , H02J7/007 , H02J7/34 , Y02E10/563 , Y02E10/763 , Y02E60/60 , Y10T307/391
摘要： Energy systems and energy supply methods are described. In one aspect, an energy system includes a bus system configured to conduct electrical energy, a plurality of input adapters electrically coupled with the bus system and configured to electrically couple with a plurality of respective source entities which are individually configured to provide electrical energy, a plurality of output adapters electrically coupled with the bus system and configured to electrically couple with a plurality of respective consuming entities which are individually configured to consume electrical energy, and control circuitry configured to control individual ones of the input adapters to provide electrical energy from respective ones of the source entities to the bus system and to control individual ones of the output adapters to provide electrical energy from the bus system to respective ones of the consuming entities.
摘要翻译：描述了能源系统和能量供应方法。在一个方面，能量系统包括被配置为传导电能的总线系统，与总线系统电耦合的多个输入适配器，并被配置为与单独配置成提供电能的多个相应的源实体电耦合，多个输出适配器与总线系统电耦合并且被配置为与单独配置为消耗电能的多个相应的消耗实体电耦合;以及控制电路，其被配置为控制各个输入适配器以从相应的电源提供电能的源实体到总线系统并且控制输出适配器中的各个以将总线系统的电能提供给相应的消耗实体。

30. 发明申请

WO2010107587A1 FINANCIAL SOCIAL NETWORKING 审中-公开
标题翻译：财务社会网络
公开(公告)号：WO2010107587A1
公开(公告)日：2010-09-23
申请号：PCT/US2010/026162
申请日：2010-03-04
申请人： BANK OF AMERICA , O'CONNOR, Sean, M. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , THOMAS, Susan, S. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, Jeames, P. , BLERER, Jeffrey, H.
发明人： O'CONNOR, Sean, M. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , THOMAS, Susan, S. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, Jeames, P. , BLERER, Jeffrey, H.
IPC分类号： G06Q40/00
CPC分类号： G06Q10/10 , G06Q20/10 , G06Q40/00
摘要： Apparatus and methods for providing an online financial social network service to a user. The method may include storing in a computer information about a financial goal of a first user. The method may additionally include receiving instructions to present a display reflecting the stored financial goal information. The method may also include authenticating a second user to access the first user online financial social network account.
摘要翻译：用于向用户提供在线金融社交网络服务的装置和方法。该方法可以包括在计算机中存储关于第一用户的财务目标的信息。该方法可以另外包括接收指示以呈现反映所存储的财务目标信息的显示。该方法还可以包括认证第二用户以访问第一用户在线财务社交网络帐户。

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