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    • 5. 发明申请
    • CENTRALIZED FINANCIAL MANAGEMENT TOOL AND METHOD OF USE
    • 集中式财务管理工具及其使用方法
    • WO2012131421A1
    • 2012-10-04
    • PCT/IB2011/002704
    • 2011-09-28
    • INFOSYS LIMITEDKUNDAGRAMI, ChandramouliSENAKUMARI, Arunnima, Balaakrishnan
    • KUNDAGRAMI, ChandramouliSENAKUMARI, Arunnima, Balaakrishnan
    • G06Q40/00
    • G06Q40/02
    • A system and method of providing a centralized financial management tool which includes a financial application module implemented on a network device. The network device includes a linking interface which operates with the financial application module. The module, via the linking interface, sends requests in the form of messages compliant with a standardized messaging scheme, to receive account information of the user's different accounts from one or more different subscribed financial institutions. The module receives account information of the user's different accounts in the form of messages compliant with the standardized messaging scheme from the subscribed financial institutions. The module compiles and displays the account information for the user's different accounts in a user interface. The compiled account information can be categorized to allow the user to analyze, budget, and seek information from other users and financial advisors.
    • 一种提供集中财务管理工具的系统和方法,其包括在网络设备上实现的金融应用模块。 网络设备包括与金融应用模块一起操作的链接接口。 该模块通过链接界面以符合标准化消息收发方案的消息的形式发送请求,从一个或多个不同的订阅金融机构接收用户不同账户的账户信息。 该模块以订阅的金融机构的符合标准化消息传递方案的消息的形式接收用户不同账户的账户信息。 该模块在用户界面中编辑并显示用户不同帐户的帐户信息。 编制的帐户信息可以分类为允许用户分析,预算和从其他用户和财务顾问那里寻求信息。
    • 8. 发明申请
    • SYSTEM AND METHOD FOR GRANTING A TEMPORARY OVERDRAFT AUTOMATICALLY
    • 自动提供临时超车的系统和方法
    • WO2012137218A1
    • 2012-10-11
    • PCT/IN2011/000892
    • 2011-12-26
    • INFOSYS LIMITEDRAJASEKARAN, Kaniyanoor Seshadri
    • RAJASEKARAN, Kaniyanoor Seshadri
    • G06Q40/02
    • G06Q40/025G06Q40/02
    • A system and a computer implemented method for granting a temporary overdraft automatically are described. In an example embodiment, one or more parameters are associated with a bank account and stored in a computer readable storage medium, the storage medium in operable communication with a processor. On receiving a payment request, the one or more parameters are retrieved and a temporary overdraft is granted to the bank account, wherein an interest rate associated with the temporary overdraft is determined on the basis of the one or more parameters. Further aspects of the system and method described include the linkage of collateral to the bank account, whereby a maximum credit limit for an associated secured temporary overdraft is determined. In an additional aspect, an unsecured temporary overdraft is authorized, contingent on the present value of linked collateral.
    • 描述用于自动授予临时透支的系统和计算机实现的方法。 在示例实施例中,一个或多个参数与银行帐户相关联并且存储在计算机可读存储介质中,该存储介质可与处理器可操作地通信。 在接收到付款请求时,检索一个或多个参数,并且向该银行帐户授予临时透支,其中基于所述一个或多个参数确定与所述临时透支相关联的利率。 所述系统和方法的进一步方面包括将抵押品与银行账户的联系,从而确定相关的确保的临时透支的最大信用额度。 另一方面,根据现有的连带抵押品价值,授权无抵押的临时透支。
    • 10. 发明申请
    • SYSTEM AND METHOD FOR UTILIZING A DYNAMIC VIRTUAL KEYBOARD
    • 使用动态虚拟键盘的系统和方法
    • WO2012131420A1
    • 2012-10-04
    • PCT/IB2011/002688
    • 2011-09-09
    • INFOSYS LIMITEDKUMARA, Praveena, DeviprasadREDDY, Raghavendra Bangalore, Venkata
    • KUMARA, Praveena, DeviprasadREDDY, Raghavendra Bangalore, Venkata
    • G06F3/02
    • G06F3/04886
    • A system and method of providing a dynamic virtual keyboard having a QWERTY or randomized layout that is displayed on a user interface to allow a user to input authentication information into a selected field. A first character key and a second character key are exchanged from their respective actual positions to modified positions. Mapped information associated with the exchanged original and modified positions of the first and second character keys is stored in a memory. Selection by the user of at least the displayed first character key in the modified position by the user is detected and the stored mapped information is retrieved from the memory of the first character key, wherein the first character key is translated to the second character key based on the retrieved mapped information. An authentication array including the second character key is sent to a server to authenticate the user.
    • 一种提供具有QWERTY或随机化布局的动态虚拟键盘的系统和方法,其显示在用户界面上,以允许用户将认证信息输入到所选择的字段中。 将第一字符键和第二字符键从它们各自的实际位置交换到修改位置。 与交换的第一和第二字符键的原始和修改位置相关联的映射信息被存储在存储器中。 检测由用户至少显示的第一字符键在用户的修改位置中的选择,并且从第一字符键的存储器检索存储的映射信息,其中第一字符键被转换为基于第二字符键的 对检索到的映射信息。 将包括第二字符密钥的认证阵列发送到服务器以认证用户。