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公开(公告)号：US20120030112A1
公开(公告)日：2012-02-02
申请号：US12847633
申请日：2010-07-30
IPC分类号： G06Q40/00
摘要： Systems and methods for generating and using a cash value debit card are described. A request from a user to add value to a cash value debit card account financially secured by a financial entity against an account of the user may be received. The user may be authenticated to the account of the user with the financial entity. Monetary funds may be debited from the account of the user by an amount to add to the cash value debit card account, and the debited amount may be added to the cash value debit card account. A request to withdraw monetary funds from the cash value debit card account may be received. A determination may be made as to whether to authorize the withdrawal from the cash value debit card account. The withdrawal may be authorized, and the cash value debit card account may be debited accordingly.
摘要翻译： 描述用于生成和使用现金价值借记卡的系统和方法。 可以接收来自用户的请求，以向金融实体针对用户的帐户提供财务保障的现金价值借记卡帐户增加价值。 用户可以通过金融实体对用户的帐户进行身份验证。 货币资金可以从用户的账户中扣除加入现金值借记卡账户的金额，并将借记金额加入现金值借记卡账户。 可以收到从现金值借记卡账户提取货币资金的请求。 可以确定是否授权从现金价值借记卡账户中提款。 可以授权提款，相应地借记现金卡借记卡。
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公开(公告)号：US20110270869A1
公开(公告)日：2011-11-03
申请号：US12771552
申请日：2010-04-30
IPC分类号： G06F15/173 , G06F17/30
CPC分类号： G06Q10/107 , G06F11/3438
摘要： Embodiments of the invention relate to systems, methods, and computer program products for managing electronic communications and, specifically, monitoring electronic communications received from numerous communications sources associated with a user, identifying that certain ones of the communications are priority communications and communicating notice of the priority communications to the user. The priority communication may be identified by user defined criteria, such key words, phrases, key topics, key names and the like; timeframe of the communication; user-defined priority rules; business performance indicators/metrics and the like. Communication of the notice may provide for communicating a priority communication alert to the user or communicating the notice to a network-accessible communication monitoring portal.
摘要翻译： 本发明的实施例涉及用于管理电子通信的系统，方法和计算机程序产品，并且具体地，监视从与用户相关联的许多通信源接收的电子通信，识别通信中的某些通信是优先通信和通信的通知 优先通信给用户。 优先级通信可以由用户定义的标准，诸如关键词，短语，关键主题，键名等来识别; 沟通时间表; 用户定义的优先级规则; 业务绩效指标/指标等。 通知的通信可以提供用于向用户传达优先通信警报或将通知传送到网络可访问的通信监控门户。
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公开(公告)号：US20110246279A1
公开(公告)日：2011-10-06
申请号：US12752005
申请日：2010-03-31
CPC分类号： G06Q30/0224 , G06Q30/02 , G06Q30/0226
摘要： Embodiments of the invention provide methods, apparatuses, and computer program products for providing community rewards. For example, systems and methods are provided for: (1) accessing transaction data associated with a particular financial institution; (2) determining a threshold; (3) identifying from the transaction data a group of transactions associated with a predefined community and time period; (4) aggregating a particular aspect of the group of transactions associated with the predefined community to determine a community total; and (5) determining that a reward should be provided to the community based on a comparison of the community total and the threshold. In some embodiments, the predefined community is defined by a particular geographic area. In other embodiments, the predefined community is created by the consumers themselves.
摘要翻译： 本发明的实施例提供用于提供社区奖励的方法，装置和计算机程序产品。 例如，提供系统和方法：（1）访问与特定金融机构相关的交易数据; （2）确定阈值; （3）从交易数据中识别与预定义的社区和时间段相关联的一组交易; （4）聚集与预定义社区相关联的一组交易的特定方面以确定社区总数; （5）根据社区总量与门槛的比较，确定应向社区提供奖励。 在一些实施例中，预定义的社区由特定地理区域定义。 在其他实施例中，预定义的社区由消费者自己创建。
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公开(公告)号：US20110191225A1
公开(公告)日：2011-08-04
申请号：US12696659
申请日：2010-01-29
申请人： Timothy James Mark
发明人： Timothy James Mark
CPC分类号： G06Q40/00
摘要： Embodiments of the present invention provide apparatuses and methods for a currency equivalency application for a business activity monitoring (BAM) applications. The currency equivalency application monitors business activities across international processes and systems that deal with multiple types of currencies. The user enters into the currency equivalency application user defined preferences, such as, but not limited to, the BAM application to which to apply the preferences, the type of currencies, value amounts, dates for the actual currency exchange rate, dates for future currency exchange rates, confidence scores, etc. The currency equivalency application identifies the proper exchange rates and in some cases estimates future exchanges rates, and converts the output for currency values in BAM applications into the user defined currency values, which allows the users across the world to quantify and view the currency value outputs in a form that the user understands.
摘要翻译： 本发明的实施例提供了用于商业活动监视（BAM）应用的货币等价应用的装置和方法。 货币对等应用程序监控处理多种类型货币的国际流程和系统的业务活动。 用户输入货币对等应用程序用户定义的偏好，例如但不限于应用优先选择的BAM应用程序，货币类型，价值量，实际货币汇率的日期，未来货币的日期 汇率，信心分数等。货币等值应用程序确定适当的汇率，并在某些情况下估计未来的汇率，并将BAM应用中的货币值的输出转换为用户定义的货币值，从而允许世界各地的用户 以用户理解的形式量化和查看货币价值输出。
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公开(公告)号：US08751596B2
公开(公告)日：2014-06-10
申请号：US12771552
申请日：2010-04-30
IPC分类号： G06F15/16 , G06F15/173
CPC分类号： G06Q10/107 , G06F11/3438
摘要： Embodiments of the invention relate to systems, methods, and computer program products for managing electronic communications and, specifically, monitoring electronic communications received from numerous communications sources associated with a user, identifying that certain ones of the communications are priority communications and communicating notice of the priority communications to the user. The priority communication may be identified by user defined criteria, such key words, phrases, key topics, key names and the like; timeframe of the communication; user-defined priority rules; business performance indicators/metrics and the like. Communication of the notice may provide for communicating a priority communication alert to the user or communicating the notice to a network-accessible communication monitoring portal.
摘要翻译： 本发明的实施例涉及用于管理电子通信的系统，方法和计算机程序产品，并且具体地，监视从与用户相关联的许多通信源接收的电子通信，识别通信中的某些通信是优先通信和通信的通知 优先通信给用户。 优先级通信可以由用户定义的标准，诸如关键词，短语，关键主题，键名等来识别; 沟通时间表; 用户定义的优先级规则; 业务绩效指标/指标等。 通知的通信可以提供用于向用户传达优先通信警报或将通知传送到网络可访问的通信监控门户。
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公开(公告)号：US08688578B2
公开(公告)日：2014-04-01
申请号：US12713632
申请日：2010-02-26
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/10 , G06Q20/108 , G06Q50/01
摘要： The business community hub application provides a business customer the ability to add an event or offer to the community hub that can be accessed by individual customers or business customers. The business community hub application also notifies business customers of offers provided by other businesses or about local community events in which the business customer may be interested. The business customers have the ability to find contacts and network with other local businesses. The business community hub application also uses transaction information available to the bank to display market data and trends that may be of interest to the business customer. In this way, the business community hub works with the online banking application as a tool for local businesses, it allows business customers to interact with individual customers, the community in general, as well as other businesses, in a forum for exchanging products, services, and information.
摘要翻译： 商业社区中心应用程序为企业客户提供向个人客户或商业客户可访问的社区中心添加活动或优惠的能力。 商业社区中心应用程序还向业务客户通报其他业务提供的优惠或商业客户可能感兴趣的本地社区活动。 企业客户有能力与其他本地企业寻找联系人和网络。 商业社区中心应用程序还使用银行可用的交易信息来显示业务客户可能感兴趣的市场数据和趋势。 以这种方式，商业社区中心与网上银行应用程序一起作为本地业务的工具，它允许商业客户与个人客户，一般社区以及其他企业在交换产品，服务的论坛中进行互动 和信息。
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公开(公告)号：US08346597B2
公开(公告)日：2013-01-01
申请号：US12790324
申请日：2010-05-28
IPC分类号： G06Q10/00
CPC分类号： G06Q10/06 , G06Q10/0639
摘要： Embodiments of the invention relate to systems, methods, and computer program products for client/customer-centric macro (e.g., business-wide) monitoring of business performance and determination of business-wide customer impact trends associated with the client's/customer's composite relationship with the business. Additionally, embodiments provide for determining customer impact trends at other levels of the business relationship, such as at business unit/line of business levels, product/service levels and the like. Based on the determined customer impact trends, further determinations may be made regarding whether alerts are warranted based on the trends, and generating and communicating the alerts if warranted. Determining business-wide customer impact trends provides for the business to identify problems or potential problems that may adversely impact the global relationship between the overall client entity and the business implementing the performance monitoring system.
摘要翻译： 本发明的实施例涉及用于以客户/以客户为中心的宏（例如业务范围）监视业务绩效的系统，方法和计算机程序产品，并且确定与客户/客户的复合关系相关联的业务范围的客户影响趋势 这生意。 此外，实施例提供用于确定业务关系的其他级别的客户影响趋势，例如在业务单元/业务线级别，产品/服务级别等。 根据确定的客户影响趋势，可以进一步确定是否根据趋势保证警报，如果需要，生成和传达警报。 确定业务范围的客户影响趋势使业务能够识别可能对整体客户实体与实施绩效监控系统的业务之间的全球关系产生不利影响的问题或潜在问题。
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公开(公告)号：US20120030113A1
公开(公告)日：2012-02-02
申请号：US12847637
申请日：2010-07-30
CPC分类号： G06Q40/02 , G06Q20/042 , G06Q20/26 , G06Q20/28 , G06Q20/387 , G06Q20/40
摘要： Systems and methods for generating and using negotiable instrument are described. A request from a user to generate a negotiable instrument financially secured by a financial entity against an account of the user is received, and the user is authenticated to the account of the user with the financial entity. Upon authenticating the user to the account, data representative of the negotiable instrument financially secured by the financial entity against the account of the user is transmitted. The data may include a printable image and barcode for scanning by a second computing device of the financial entity. The transmitted data representative of the negotiable instrument may be received by a computing device. The computing device may output the data representative of the negotiable instrument to a printer for local generation of the negotiable instrument on the printer without the need for special inks and/or other data.
摘要翻译： 描述了生成和使用可转让票据的系统和方法。 收到来自用户的用于生成由金融实体针对用户的帐户而经财务保护的可转让票据的请求，并且该用户通过该金融实体向该用户的账户进行认证。 一旦对帐户进行认证，就传送代表由金融实体经由用户的帐户而经财务保证的可转让票据的数据。 数据可以包括用于由金融实体的第二计算设备进行扫描的可打印图像和条形码。 代表可转让票据的发送数据可以由计算设备接收。 计算设备可以将表示可协商仪器的数据输出到打印机，用于在打印机上本地生成可转让仪器，而不需要特殊油墨和/或其他数据。
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公开(公告)号：US20110295654A1
公开(公告)日：2011-12-01
申请号：US12790324
申请日：2010-05-28
IPC分类号： G06Q10/00
CPC分类号： G06Q10/06 , G06Q10/0639
摘要： Embodiments of the invention relate to systems, methods, and computer program products for client/customer-centric macro (e.g., business-wide) monitoring of business performance and determination of business-wide customer impact trends associated with the client's/customer's composite relationship with the business. Additionally, embodiments provide for determining customer impact trends at other levels of the business relationship, such as at business unit/line of business levels, product/service levels and the like. Based on the determined customer impact trends, further determinations may be made regarding whether alerts are warranted based on the trends, and generating and communicating the alerts if warranted. Determining business-wide customer impact trends provides for the business to identify problems or potential problems that may adversely impact the global relationship between the overall client entity and the business implementing the performance monitoring system.
摘要翻译： 本发明的实施例涉及用于以客户/以客户为中心的宏（例如业务范围）监视业务绩效的系统，方法和计算机程序产品，并且确定与客户/客户的复合关系相关联的业务范围的客户影响趋势 这生意。 此外，实施例提供用于确定业务关系的其他级别的客户影响趋势，例如在业务单元/业务线级别，产品/服务级别等。 根据确定的客户影响趋势，可以进一步确定是否根据趋势保证警报，如果需要，生成和传达警报。 确定业务范围的客户影响趋势使业务能够识别可能对整体客户实体与实施绩效监控系统的业务之间的全球关系产生不利影响的问题或潜在问题。
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公开(公告)号：US20110213704A1
公开(公告)日：2011-09-01
申请号：US12713632
申请日：2010-02-26
CPC分类号： G06Q40/02 , G06Q10/10 , G06Q20/108 , G06Q50/01
摘要： The business community hub application provides a business customer the ability to add an event or offer to the community hub that can be accessed by individual customers or business customers. The business community hub application also notifies business customers of offers provided by other businesses or about local community events in which the business customer may be interested. The business customers have the ability to find contacts and network with other local businesses. The business community hub application also uses transaction information available to the bank to display market data and trends that may be of interest to the business customer. In this way, the business community hub works with the online banking application as a tool for local businesses, it allows business customers to interact with individual customers, the community in general, as well as other businesses, in a forum for exchanging products, services, and information.
摘要翻译： 商业社区中心应用程序为企业客户提供向个人客户或商业客户可访问的社区中心添加活动或优惠的能力。 商业社区中心应用程序还向业务客户通报其他业务提供的优惠或商业客户可能感兴趣的本地社区活动。 企业客户有能力与其他本地企业寻找联系人和网络。 商业社区中心应用程序还使用银行可用的交易信息来显示业务客户可能感兴趣的市场数据和趋势。 以这种方式，商业社区中心与网上银行应用程序一起作为本地业务的工具，它允许商业客户与个人客户，一般社区以及其他企业在交换产品，服务的论坛中进行互动 和信息。
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