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    PROVIDING OFFERS IN RESPONSE TO DETERMINATION OF TRIGGERS
    61.
    发明申请
    PROVIDING OFFERS IN RESPONSE TO DETERMINATION OF TRIGGERS 审中-公开
    提供响应确定触发器的优惠

    公开(公告)号：US20130325604A1

    公开(公告)日：2013-12-05

    申请号：US13486191

    申请日：2012-06-01

    申请人： NAVEEN G. YERI ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Bibhudatta Jena ,  Srihari Rao Gatpa ,  Li Wei ,  David Neil Joffe

    发明人： NAVEEN G. YERI ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Bibhudatta Jena ,  Srihari Rao Gatpa ,  Li Wei ,  David Neil Joffe

    IPC分类号： G06Q30/02 ,  G06Q40/02

    CPC分类号： G06Q40/02 ,  G06Q30/0215

    摘要： Systems and methods for providing offers associated with one or more accounts of a financial institution is provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity for at least one of inbound transactions or outbound transactions based on the account data; and identifies triggers comprising opportunities for providing offers based on the account activity. The system then provides an offer to the user based on the trigger. In some embodiments, the trigger is based on inbound transaction but in other embodiments the trigger is based on outbound transactions. The offer can be specifically related to another party associated with the trigger, e.g., the recipient of a payment, or the offer can be based on the time, amount, or location of the trigger. A computer program product is also provided.

    摘要翻译： 本文提供了用于提供与金融机构的一个或多个账户相关联的提供的系统和方法。 系统接收与一个或多个帐户相关联的帐户数据; 将帐户数据存储在存储设备中; 基于帐户数据识别至少一个入站交易或出站交易的帐户活动; 并识别包括基于帐户活动提供优惠的机会的触发器。 然后，系统基于触发器向用户提供报价。 在一些实施例中，触发器基于入站事务，但在其他实施例中，触发器基于出站事务。 报价可以与与触发相关联的另一方（例如，支付的收件人）具体相关，或者报价可以基于触发的时间，数量或位置。 还提供了计算机程序产品。

    ACCOUNT REVIEW TRIGGER FEATURE
    62.
    发明申请
    ACCOUNT REVIEW TRIGGER FEATURE 审中-公开
    帐户审查触发功能

    公开(公告)号：US20130325599A1

    公开(公告)日：2013-12-05

    申请号：US13486617

    申请日：2012-06-01

    申请人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  Li Wei ,  David Neil Joffe

    发明人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  Li Wei ,  David Neil Joffe

    IPC分类号： G06Q30/02

    CPC分类号： G06Q40/02 ,  G06Q30/02 ,  G06Q40/06

    摘要： Systems and methods for reviewing accounts to enhance user relationships and prevent account loss are provided herein. In the systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions.

    摘要翻译： 本文提供了审查帐户以增强用户关系并防止帐户丢失的系统和方法。 在系统和方法中，接收与第一金融机构的一个或多个帐户相关联的账户数据，并将账户数据存储在存储装置中; 基于账户数据识别触发器，其中触发器包括一个或多个交易; 基于一个或多个交易来确定与第二金融机构相关联的一个或多个账户的外部账户活动; 并且基于所识别的外部活动，向与第一金融机构的一个或多个帐户相关联的用户提供产品推荐。 系统和方法进一步提供基于一个或多个交易来确定与第一金融机构相关联的一个或多个账户的内部账户使用的转移。

    USER RETENTION TRIGGER FEATURE
    65.
    发明申请
    USER RETENTION TRIGGER FEATURE 审中-公开
    用户保留触发功能

    公开(公告)号：US20130325713A1

    公开(公告)日：2013-12-05

    申请号：US13486605

    申请日：2012-06-01

    申请人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  Jade Michelle Le Vo-Dinh ,  David Neil Joffe

    发明人： Naveen G. Yeri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj ,  Srihari Rao Gatpa ,  Jade Michelle Le Vo-Dinh ,  David Neil Joffe

    IPC分类号： G06Q40/02

    CPC分类号： G06Q40/02 ,  G06Q30/02

    摘要： Systems and methods for retaining users in their existing relationship with a financial institution are provided herein. Based on account data, comparisons of past and current transactional activity are made and a change in account usage is determined. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising one or more transactions occurring during a first period of time and a second trigger group comprising one or more transactions occurring during a second period of time are identified based on the account data; the first trigger group and the second trigger group are compared; and a decrease in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group.

    摘要翻译： 本文提供了保留用户与金融机构现有关系的系统和方法。 根据账户数据，对过去和当前的交易活动进行比较，并确定账户使用情况的变化。 在系统和方法中，接收与一个或多个帐户相关联的帐户数据，并将帐户数据存储在存储装置中; 包括在第一时间段内发生的一个或多个事务的第一触发器组和包括在第二时间段期间发生的一个或多个事务的第二触发器组; 比较第一触发组和第二触发组; 并且响应于第一触发组和第二触发组的比较来确定对于一个或多个账户中的每个账户的账户活动的减少。

    TRIGGER DATA QUALITY MONITOR
    67.
    发明申请
    TRIGGER DATA QUALITY MONITOR 有权
    触发数据质量监控

    公开(公告)号：US20130325674A1

    公开(公告)日：2013-12-05

    申请号：US13486593

    申请日：2012-06-01

    申请人： Naveen G. Yeri ,  Bibhudatta Jena ,  Arya Kumar Vedabrata ,  Chandrashekar Katuri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj

    发明人： Naveen G. Yeri ,  Bibhudatta Jena ,  Arya Kumar Vedabrata ,  Chandrashekar Katuri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, JR. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj

    IPC分类号： G06Q40/02

    CPC分类号： G06Q40/02

    摘要： Systems and methods for monitoring trigger data quality are provided herein. The systems and methods detect and report whether the current trigger counts are normal or flawed in real time. The systems and methods monitor the triggers to determine the accuracy, completeness, domain of values, and format of the trigger data. In the system and methods, account data associated with the one or more accounts is received and stored in a storage device; the account data is segregated into one or more periods of time; triggers associated with the one or more periods of time are identified based on transactions that occur during the one or more periods of time; a total transaction count for each of the triggers is calculated; and control limits are determined based on the transaction count for each of the triggers.

    摘要翻译： 本文提供了监控触发数据质量的系统和方法。 系统和方法检测并报告当前触发计数是否正常或实时有缺陷。 系统和方法监视触发器以确定触发数据的准确性，完整性，值域和格式。 在系统和方法中，与一个或多个帐户相关联的帐户数据被接收并存储在存储设备中; 帐户数据被分隔成一个或多个时间段; 基于在一个或多个时间段期间发生的交易来识别与一个或多个时间段相关联的触发; 计算每个触发器的总事务计数; 并且基于每个触发器的事务计数来确定控制限制。

    Trigger data quality monitor
    68.
    发明授权
    Trigger data quality monitor 有权
    触发数据质量监控

    公开(公告)号：US08805730B2

    公开(公告)日：2014-08-12

    申请号：US13486593

    申请日：2012-06-01

    申请人： Naveen G. Yeri ,  Bibhudatta Jena ,  Arya Kumar Vedabrata ,  Chandrashekar Katuri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, Jr. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj

    发明人： Naveen G. Yeri ,  Bibhudatta Jena ,  Arya Kumar Vedabrata ,  Chandrashekar Katuri ,  Timothy J. Bendel ,  David Joa ,  Vikas Mishra ,  Thayer S. Allison, Jr. ,  Deepak Verma ,  Yanghong Shao ,  Parul Bajaj

    IPC分类号： G07F19/00

    CPC分类号： G06Q40/02

    摘要： Systems and methods for monitoring trigger data quality are provided herein. The systems and methods detect and report whether the current trigger counts are normal or flawed in real time. The systems and methods monitor the triggers to determine the accuracy, completeness, domain of values, and format of the trigger data. In the system and methods, account data associated with the one or more accounts is received and stored in a storage device; the account data is segregated into one or more periods of time; triggers associated with the one or more periods of time are identified based on transactions that occur during the one or more periods of time; a total transaction count for each of the triggers is calculated; and control limits are determined based on the transaction count for each of the triggers.

    摘要翻译： 本文提供了监控触发数据质量的系统和方法。 系统和方法检测并报告当前触发计数是否正常或实时有缺陷。 系统和方法监视触发器以确定触发数据的准确性，完整性，值域和格式。 在系统和方法中，与一个或多个帐户相关联的帐户数据被接收并存储在存储设备中; 帐户数据被分隔成一个或多个时间段; 基于在一个或多个时间段期间发生的交易来识别与一个或多个时间段相关联的触发; 计算每个触发器的总事务计数; 并且基于每个触发器的事务计数来确定控制限制。

    AUTOMATED BILL PAYMENT SYSTEM
    69.
    发明申请
    AUTOMATED BILL PAYMENT SYSTEM 审中-公开
    自动付款系统

    公开(公告)号：US20130325707A1

    公开(公告)日：2013-12-05

    申请号：US13486781

    申请日：2012-06-01

    申请人： David Joa ,  Timothy J. Bendel ,  Thayer S. Allison, JR. ,  Yanghong Shao ,  David Neil Joffe ,  Naveen G. Yeri

    发明人： David Joa ,  Timothy J. Bendel ,  Thayer S. Allison, JR. ,  Yanghong Shao ,  David Neil Joffe ,  Naveen G. Yeri

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02

    摘要： Systems, methods and computer program products are provided for processing an automated bill payment. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Based on the account data triggers are detected indicating multiple payments to a plurality of service providers. The system determines from the account data a payment amount to be made to a service provider. The payment amount is periodically transferred from the user's general deposit account to a separate payment account. The payment amount is then periodically withdrawn from the payment account and sent to the service provider.

    摘要翻译： 提供系统，方法和计算机程序产品用于处理自动账单支付。 在系统和方法中，接收与用户帐户相关联的帐户数据，并将帐户数据存储在存储装置中。 基于帐户数据，检测到触发器指示对多个服务提供商的多个支付。 该系统从帐户数据确定要对服务提供商进行的支付金额。 付款金额定期从用户一般存款账户转入单独的支付账户。 然后，支付金额将从支付帐户中定期退出并发送给服务提供商。