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    Computer-facilitated secure account-transaction
    12.
    发明授权
    Computer-facilitated secure account-transaction 有权
    计算机辅助安全帐户交易

    公开(公告)号：US08719128B2

    公开(公告)日：2014-05-06

    申请号：US11956802

    申请日：2007-12-14

    申请人： Gene Allen ,  Kevin Kuntz

    发明人： Gene Allen ,  Kevin Kuntz

    IPC分类号： G06Q40/00 ,  G06F21/00 ,  G06Q20/00 ,  G06Q30/00 ,  G06F1/00

    CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/3572 ,  G06Q20/382 ,  G06Q40/02

    摘要： The handling of accounts and account transactions are implemented using a variety of different systems and methods. According to one embodiment a computer-facilitated system is implemented for handling accounts held by a user at a financial institution and an educational institution. A first database stores account balance information associated with a first account held at one of the institutions. A second database stores account balance information associated with a second account held at the other institution. Logic, located at one institution, encrypts an identifier of the first account, associates a resulting encrypted identifier with the second account and decrypts the encrypted identifier. A database interface transmits the encrypted identifier to the second database for storage. A user interface provides the user with the account balance information associated with the accounts in response to the logic decrypting the encrypted identifier.

    摘要翻译： 帐户和帐户交易的处理使用各种不同的系统和方法来实现。 根据一个实施例，实施了一种计算机辅助系统，用于处理用户在金融机构和教育机构持有的账户。 第一个数据库存储与其中一个机构持有的第一个帐户相关联的帐户余额信息。 第二数据库存储与在另一机构持有的第二帐户相关联的账户余额信息。 位于一个机构的逻辑加密第一帐户的标识符，将得到的加密标识符与第二帐户相关联，并解密加密的标识符。 数据库接口将加密的标识符发送到第二数据库用于存储。 响应于解密加密的标识符的逻辑，用户界面向用户提供与帐户相关联的帐户余额信息。

    Computer-Facilitated Secure Account-Transaction
    17.
    发明申请
    Computer-Facilitated Secure Account-Transaction 有权
    计算机辅助安全帐户交易

    公开(公告)号：US20080147562A1

    公开(公告)日：2008-06-19

    申请号：US11956802

    申请日：2007-12-14

    申请人： Gene Allen ,  Kevin Kuntz

    发明人： Gene Allen ,  Kevin Kuntz

    IPC分类号： H04L9/00 ,  G06Q40/00

    CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/3572 ,  G06Q20/382 ,  G06Q40/02

    摘要： The handling of accounts and account transactions are implemented using a variety of different systems and methods. According to one embodiment a computer-facilitated system is implemented for handling accounts held by a user a financial institution and an educational institution. A first database stores account balance information associated with a first account held at one of the institutions. A second database stores account balance information associated with a second account held at the other institution. Logic, located at one institution, encrypts an identifier of the first account, associates a resulting encrypted identifier with the second account and decrypts the encrypted identifier. A database interface transmits the encrypted identifier to the second database for storage. A user interface provides the user with the account balance information associated with the accounts in response to the logic decrypting the encrypted identifier.

    摘要翻译： 账户和账户交易的处理使用各种不同的系统和方法来实现。 根据一个实施例，实施了一种计算机辅助系统，用于处理由用户持有的金融机构和教育机构的帐户。 第一个数据库存储与其中一个机构持有的第一个帐户相关联的帐户余额信息。 第二数据库存储与在另一机构持有的第二帐户相关联的账户余额信息。 位于一个机构的逻辑加密第一帐户的标识符，将得到的加密标识符与第二帐户相关联，并解密加密的标识符。 数据库接口将加密的标识符发送到第二数据库用于存储。 响应于解密加密的标识符的逻辑，用户界面向用户提供与帐户相关联的帐户余额信息。

    Computer-Facilitated Account-Transaction System and Method with Multi-Entity Control Logic
    18.
    发明申请
    Computer-Facilitated Account-Transaction System and Method with Multi-Entity Control Logic 审中-公开
    计算机辅助账户交易系统和多实体控制逻辑方法

    公开(公告)号：US20080147526A1

    公开(公告)日：2008-06-19

    申请号：US11956783

    申请日：2007-12-14

    申请人： Gene Allen ,  Kevin Kuntz

    发明人： Gene Allen ,  Kevin Kuntz

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/06 ,  G06Q10/06 ,  G06Q40/02 ,  G06Q40/12 ,  G06Q50/20

    摘要： Systems and methods for use with accounts held at financial institutions and educational institutions are implemented according to a variety of embodiments. According to one such embodiment, a computer-facilitated system is implemented for use with a first set of accounts held at a financial institution and a second set of accounts held at an educational institution. The accounts are associated with a common set of users and a set of user articles containing user identification information for the set of users. An account setup interface receives user data to establish a first account in the first set of accounts and a second account in the second set of accounts. Control logic stores account information and access rules in respective databases. The account information includes an association between the first and second accounts. An account access interface provides access to the accounts in response to user articles or access codes.

    摘要翻译： 根据各种实施例实施用于金融机构和教育机构的账户的系统和方法。 根据一个这样的实施例，计算机辅助系统被实施用于在金融机构持有的第一组账户和在教育机构持有的第二组账户。 帐户与一组通用用户和一组用户文章相关联，该用户文章包含该用户组的用户标识信息。 帐户设置界面接收用户数据以在第一组帐户中建立第一帐户，并在第二组帐户中接收第二帐户。 控制逻辑将帐户信息和访问规则存储在各自的数据库中。 帐户信息包括第一和第二帐户之间的关联。 帐户访问界面响应于用户文章或访问代码提供对帐户的访问。

    Arrangements and methods for automatically dispersing and tracking funds
    19.
    发明授权
    Arrangements and methods for automatically dispersing and tracking funds 有权
    自动分配和跟踪资金的安排和方法

    公开(公告)号：US08571979B1

    公开(公告)日：2013-10-29

    申请号：US11187611

    申请日：2005-07-22

    申请人： Kevin Kuntz ,  Ron Britz ,  Jeff Farmer ,  Gene Allen

    发明人： Kevin Kuntz ,  Ron Britz ,  Jeff Farmer ,  Gene Allen

    IPC分类号： G06Q20/10 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q20/04

    CPC分类号： G06Q20/105 ,  G06Q40/02

    摘要： In an example application, a banking institution implements a computer-automated arrangement with another corporate entity that is independent of the banking institution. The arrangement permits the other corporate entity to render funds to corporate designees associated with the corporation's bank account via an account-management specification that defines and tracks funds under sub-accounts. The arrangement includes banking-sponsored-corporate-activatable (BSCA) articles; a communication arrangement for communicating an association command from the other corporate entity that associates activated BSCA articles with respective sub-accounts according to the specification, the activated BSCA articles facilitating redemption of pre-paid corporate funds in response to the other corporate entity both issuing the activated BSCA articles to designated card recipients and communicating the association command; and a tracking arrangement for tracking the redemption efforts resulting from uses of the activated BSCA articles by tracking the respective sub-accounts by the banking institution in response to communicating of the association command.

    摘要翻译： 在一个示例应用中，银行机构与独立于银行机构的另一个公司实体实施计算机自动化安排。 该安排允许其他公司实体通过帐户管理规范向与公司银行账户相关的公司指定人员提供资金，该规范定义和跟踪子账户下的资金。 该安排包括银行赞助的可公司（BSCA）文章; 用于传达来自另一公司实体的关联命令的通信装置，其将激活的BSCA文章与相应的子帐户根据规范相关联，所述激活的BSCA文章有助于响应于另一公司实体发出预付费公司资金 将BSCA文章激活到指定的卡接收者并传达关联命令; 以及跟踪装置，用于跟踪由激活的BSCA文章的使用产生的兑换努力，通过响应于关联命令的通信来跟踪银行机构的各个子账户。

    CPU Banking Approach for Transactions Involving Educational Entities
    20.
    发明申请
    CPU Banking Approach for Transactions Involving Educational Entities 审中-公开
    涉及教育实体的交易的CPU银行方法

    公开(公告)号：US20080147525A1

    公开(公告)日：2008-06-19

    申请号：US11956611

    申请日：2007-12-14

    申请人： Gene Allen ,  Michael Beier ,  Kevin Kuntz

    发明人： Gene Allen ,  Michael Beier ,  Kevin Kuntz

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/12

    摘要： In an example embodiment, an approach for financial transaction processing involves using regulatory type rules at a banking institution for processing financial transactions involving a non-banking financial institution, such as a funds transfer service. An assimilation processing module and underlying processing modules determine whether the funds-transfer request should be reported as at least one of funds-related activity involving the banking institution and funds-related activity involving the financial institution.

    摘要翻译： 在示例性实施例中，用于金融交易处理的方法涉及在银行机构使用监管类型规则来处理涉及非银行金融机构（例如资金转移服务）的金融交易。 同化处理模块和基础处理模块确定资金转移请求是否应报告涉及银行机构的涉及资金的活动和涉及金融机构的资金相关活动。