公开(公告)号：US20150100468A1

公开(公告)日：2015-04-09

申请号：US14049348

申请日：2013-10-09

申请人： JASON P. BLACKHURST ,  Laura C. Bondesen ,  Matthew A. Calman ,  Carrie Anne Hanson ,  Katherine P. Dintenfass

发明人： JASON P. BLACKHURST ,  Laura C. Bondesen ,  Matthew A. Calman ,  Carrie Anne Hanson ,  Katherine P. Dintenfass

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： Embodiments of the invention relate to systems, methods, and computer program products for generating an e-receipt for an online banking transaction. The system, method, and computer program product are configured to receive an unstructured e-receipt from a financial institution, the unstructured e-receipt including parameters of an online banking transaction; identify unstructured data associated with the parameters; convert the unstructured data into structured data; and generate a structured e-receipt for the online banking transaction using at least the structured data. In some embodiments, the system associates the e-receipt with a transaction at the financial institution and provides the e-receipt to the customer. The e-receipt allows customers to have a record of an online banking transaction that may not typically have a paper trail. The e-receipt may be used for various purposes and may include structured data fields for ease of analysis.

摘要翻译： 本发明的实施例涉及用于生成用于网上银行交易的电子收据的系统，方法和计算机程序产品。 系统，方法和计算机程序产品被配置为从金融机构接收非结构化的电子收据，包括网络银行交易的参数的非结构化电子收据; 识别与参数相关联的非结构化数据; 将非结构化数据转换为结构化数据; 并使用至少结构化数据生成用于网上银行交易的结构化电子收据。 在一些实施例中，系统将电子收据与金融机构的交易相关联，并将电子收据提供给客户。 电子收据允许客户拥有通常不具有纸张痕迹的网上银行交易记录。 电子收据可以用于各种目的，并且可以包括易于分析的结构化数据字段。

公开(公告)号：US20140067512A1

公开(公告)日：2014-03-06

申请号：US13602828

申请日：2012-09-04

申请人： Carrie A. Hanson ,  Hitesh Bajaj ,  Laura C. Bondesen ,  Nicole Chen ,  Scott R. Enscoe ,  David M. Grigg ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Sarah Overcash ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

发明人： Carrie A. Hanson ,  Hitesh Bajaj ,  Laura C. Bondesen ,  Nicole Chen ,  Scott R. Enscoe ,  David M. Grigg ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Sarah Overcash ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

IPC分类号： G06Q30/02

CPC分类号： G06Q30/02

摘要： According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product.

摘要翻译： 根据一个实施例，设备可以存储与用户帐户相关联的用户帐户和点平衡。 该设备可以确定与用户帐户相关联的用户的地理位置，并至少部分地基于地理位置来传达产品的报价。 优惠可能会与到期时间相关联。 该产品可能与点价格相关联。 积分平衡可能至少等于点价格。 该装置可以接收到表示接受该要约的信号。 信号可能与时间戳和用户帐户相关联。 时间戳可以指示至少早于到期时间的时间。 设备可以传达指示用户可以接收产品的第二信号。

公开(公告)号：US20140067654A1

公开(公告)日：2014-03-06

申请号：US13603019

申请日：2012-09-04

申请人： Carrie A. Hanson ,  Hitesh Bajaj ,  Laura C. Bondesen ,  Nicole Chen ,  Scott R. Enscoe ,  David M. Grigg ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Sarah Overcash ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

发明人： Carrie A. Hanson ,  Hitesh Bajaj ,  Laura C. Bondesen ,  Nicole Chen ,  Scott R. Enscoe ,  David M. Grigg ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Sarah Overcash ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

IPC分类号： G06Q20/10

CPC分类号： G06Q20/3223 ,  G06Q20/108

摘要： According to one embodiment, an apparatus may store a plurality of accounts. The apparatus may present, in a first region of a display, information associated with a first account in the plurality of accounts; in a second region of the display, information associated with a second account in the plurality of accounts; and in a third region of the display, a plurality of transfer amounts. The apparatus may detect a touch on the third region of the display indicating a selection of a transfer amount from the plurality of transfer amounts. The apparatus may communicate, in response to the detection of the touch, a message to initiate the transfer of the selected transfer amount from the first account to the second account.

摘要翻译： 根据一个实施例，设备可以存储多个帐户。 该装置可以在显示器的第一区域中显示与多个帐户中的第一帐户相关联的信息; 在所述显示器的第二区域中，与所述多个帐户中的第二帐户相关联的信息; 并且在显示器的第三区域中具有多个传送量。 设备可以检测显示器的第三区域上的触摸，指示从多个传送量中选择传送量。 该装置可以响应于触摸的检测而通信一个消息，以启动所选择的传送量从第一帐户转移到第二帐户。

公开(公告)号：US20140067506A1

公开(公告)日：2014-03-06

申请号：US13602789

申请日：2012-09-04

申请人： Carrie A. Hanson ,  Hitesh Bajaj ,  Laura C. Bondesen ,  Nicole Chen ,  Scott R. Enscoe ,  David M. Grigg ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Sarah Overcash ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

发明人： Carrie A. Hanson ,  Hitesh Bajaj ,  Laura C. Bondesen ,  Nicole Chen ,  Scott R. Enscoe ,  David M. Grigg ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Sarah Overcash ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

IPC分类号： G06Q30/02

CPC分类号： G06Q30/02

摘要： According to one embodiment, an apparatus stores a user account and a points balance associated with the user account. The apparatus further determines a geographic location of a user associated with the user account. The apparatus then communicates, based at least in part upon the geographic location, an offer for a product. The produce may be associated with a points price and the points balance is at least equal to the points price. The apparatus then receives a signal indicating acceptance of the offer. The signal may be associated with the user account. The apparatus then communicates a second signal indicating that the user can receive the product.

摘要翻译： 根据一个实施例，设备存储与用户帐户相关联的用户帐户和点数余额。 该装置还确定与用户帐户相关联的用户的地理位置。 该设备至少部分地基于地理位置来传送产品的报价。 产品可能与点价格相关联，积分平衡至少等于点价格。 然后，该装置接收到表示接受该提议的信号。 信号可能与用户帐户相关联。 然后，设备传送指示用户可以接收产品的第二信号。

公开(公告)号：US20130335419A1

公开(公告)日：2013-12-19

申请号：US13495347

申请日：2012-06-13

申请人： Laura C. Bondesen ,  Elizabeth S. Votaw

发明人： Laura C. Bondesen ,  Elizabeth S. Votaw

IPC分类号： G06T11/20

CPC分类号： G06T11/206

摘要： Apparatus for calculating and displaying a banking customer's banking history is provided. The apparatus may include a receiver configured to receive a first set of data relating to a plurality of deposits and a plurality of withdrawals. Each of the plurality of deposits and each of the plurality of withdrawals may be associated with a numerical value and a calendar date. The apparatus may further include a graphical user interface. The graphical user interface may be configured to display a timeline in a first screen region. The timeline may include a plurality of demarcations, each of the demarcations being associated with a calendar date. The graphical user interface may be further configured to display in a second screen region a plurality of balloons. Each of the plurality of balloons may display one or more deposits and withdrawals included in the first set of data.

摘要翻译： 提供了计算和显示银行客户银行业务历史的设备。 该装置可以包括被配置为接收与多个存款和多个提款有关的第一组数据的接收器。 多个沉积物中的每一个和多个提取物中的每一个可以与数值和日历日期相关联。 该装置还可以包括图形用户界面。 图形用户界面可以被配置为在第一屏幕区域中显示时间线。 时间线可以包括多个分界，每个分界与日历日期相关联。 图形用户界面还可以被配置为在第二屏幕区域中显示多个气球。 多个气球中的每一个可以显示包括在第一组数据中的一个或多个存款和取款。