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公开(公告)号：US20220343318A1
公开(公告)日：2022-10-27
申请号：US17828954
申请日：2022-05-31
Applicant: Apple Inc.
Inventor： Aaron N. Melim , Christine A. Franco , Glen W. Steele , Mischa K. McLachlan , Michael Artemiw , Ashish C. Nagre , David T. Haggerty , Fadi S. Obeid , Katie M. McIndoe , Richard W. Heard , Rima Kakarla , Akila Suresh , Jarad M. Fisher
Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.
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公开(公告)号：US20200300656A1
公开(公告)日：2020-09-24
申请号：US16828929
申请日：2020-03-24
Applicant: Apple Inc.
Inventor： Shanni Weilert , Ryan Studelska , Ren Wang , Ievgeniia Gutenko , Fang Ji , Andrei Makhanov , Aditya Rane , Jarad M. Fisher , Akila Suresh , Ashish C. Nagre , Andrew Williams , Victor Hugaev
Abstract: The present technology improves points-of-interest (POIs) in applications by the gathering and use of data available from various sources to improve metadata of POIs in applications (e.g., map applications) or any other metadata or information that may be of interest to a user regarding any given POI. The present technology resolves transactions to POIs or Brands (in a map application, for example) and improves, updates, creates, and removes POIs/Brands. The present technology can also gain a clear name, granular and correct categorization, a URL, phone/chat contact info, etc. of the transactions.
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公开(公告)号：US12032519B2
公开(公告)日：2024-07-09
申请号：US17939625
申请日：2022-09-07
Applicant: Apple Inc.
Inventor： Michael A. Minar , Yiran Kang , Fadi S. Obeid , Rachel Reddy , Rima Kakarla , Anuj Chaudhary , Anish Doshi , Julien Barlerin , Michael Artemiw , Richard W. Heard , Ashish C. Nagre
IPC: G06F16/16 , G06F16/28 , G06F16/903 , G06Q20/10
CPC classification number: G06F16/164 , G06F16/288 , G06F16/90335 , G06Q20/102
Abstract: Tags for transaction records can be generated to represent characteristics of the transaction records not represented by typical characteristics of the records. Once generated, the transaction records can be modified to include the tags. Responsive to requests for transaction information, a set of transactions can be identified based on tags of the transactions and information about the transactions can be provided to a user interface.
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公开(公告)号：US20230394464A1
公开(公告)日：2023-12-07
申请号：US18234984
申请日：2023-08-17
Applicant: Apple Inc.
Inventor： Aaron M. Melim , Christine A. Franco , Glen W. Steele , Mischa K. McLachlan , Michael Artemiw , Ashish C. Nagre , David T. Haggerty , Fadi S. Obeid , Katie M. McIndoe , Richard W. Heard , Rima Kakarla , Akila Suresh , Jarad M. Fisher
CPC classification number: G06Q20/343 , G06Q20/389 , G06Q20/24
Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.
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Patent Agency Ranking
公开(公告)号：US11810100B2
公开(公告)日：2023-11-07
申请号：US17828954
申请日：2022-05-31
Applicant: Apple Inc.
Inventor： Michael Artemiw , Aaron M. Melim , Ashish C. Nagre , Christine A. Franco , David T. Haggerty , Fadi S. Obeid , Glen W. Steele , Katie M. McIndoe , Mischa K. McLachlan , Richard W. Heard , Rima Kakarla , Akila Suresh , Jarad M. Fisher
CPC classification number: G06Q20/343 , G06Q20/24 , G06Q20/389
Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.
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公开(公告)号：US11698269B2
公开(公告)日：2023-07-11
申请号：US16828929
申请日：2020-03-24
Applicant: Apple Inc.
Inventor： Shanni A. Weilert , Ryan Studelska , Ren Wang , Ievgeniia Gutenko , Fang Ji , Andrei Makhanov , Aditya Rane , Jarad M. Fisher , Akila Suresh , Ashish C. Nagre , Andrew Williams , Victor Shugaev
CPC classification number: G01C21/3679 , G01C21/32 , G01C21/3484 , G01C21/362 , G06N20/00
Abstract: The present technology improves points-of-interest (POIs) in applications by the gathering and use of data available from various sources to improve metadata of POIs in applications (e.g., map applications) or any other metadata or information that may be of interest to a user regarding any given POI. The present technology resolves transactions to POIs or Brands (in a map application, for example) and improves, updates, creates, and removes POIs/Brands. The present technology can also gain a clear name, granular and correct categorization, a URL, phone/chat contact info, etc. of the transactions.
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公开(公告)号：US20230101449A1
公开(公告)日：2023-03-30
申请号：US17939630
申请日：2022-09-07
Applicant: Apple Inc.
Inventor： Michael A. Minar , Yiran Kang , Fadi S. Obeid , Rachel Reddy , Rima Kakarla , Anuj Chaudhary , Anish Doshi , Julien Barlerin , Michael Artemiw , Richard W. Heard , Ashish C. Nagre
Abstract: Transaction data that represents transactions may be associated with one or more generated tags based on characteristics associated with the transactions. A set of suggested payment amounts for paying an account balance may be determined based on the tagged transactions. Information about at least one suggested payment amount may be presented at a user device.
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公开(公告)号：US20230093873A1
公开(公告)日：2023-03-30
申请号：US17939625
申请日：2022-09-07
Applicant: Apple Inc.
Inventor： Michael A. Minar , Yiran Kang , Fadi S. Obeid , Rachel Reddy , Rima Kakarla , Anuj Chaudhary , Anish Doshi , Julien Barlerin , Michael Artemiw , Richard W. Heard , Ashish C. Nagre
IPC: G06F16/16 , G06F16/903
Abstract: Tags for transaction records can be generated to represent characteristics of the transaction records not represented by typical characteristics of the records. Once generated, the transaction records can be modified to include the tags. Responsive to requests for transaction information, a set of transactions can be identified based on tags of the transactions and information about the transactions can be provided to a user interface.
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公开(公告)号：US11348092B2
公开(公告)日：2022-05-31
申请号：US16827202
申请日：2020-03-23
Applicant: Apple Inc.
Inventor： Michael Artemiw , Aaron M. Melim , Ashish C. Nagre , Christine A. Franco , David T. Haggerty , Fadi S. Obeid , Glen W. Steele , Katie M. McIndoe , Mischa K. McLachlan , Richard W. Heard , Rima Kakarla , Akila Suresh , Jarad M. Fisher
Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.
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