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1.发明授权公开(公告)号：US11429948B2
公开(公告)日：2022-08-30
申请号：US14687154
申请日：2015-04-15
发明人： Andy Lipshultz
摘要： Systems and methods for inter-bank and intra-application mobile banking communications and transfers including receiving a communication from a requesting device regarding a funds transfer, processing the communication to determine relevant funds transfer request details and initiating a communication window to allow fluid communication between a requestor and responder(s) regarding the funds transfer request.
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公开(公告)号：US11042881B2
公开(公告)日：2021-06-22
申请号：US15880186
申请日：2018-01-25
发明人： Lawrence Douglas , Robert D. Rowley , Philip Kim
摘要： Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.
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公开(公告)号：US20190043099A1
公开(公告)日：2019-02-07
申请号：US16154255
申请日：2018-10-08
发明人： Jonathan Turner , Arthur Koeppel
IPC分类号： G06Q30/02 , G06Q30/06 , G06Q40/00 , G06Q20/04 , G06Q20/02 , G06Q40/02 , G06Q40/06 , G07F19/00 , G06Q20/10
CPC分类号： G06Q30/0282 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/10 , G06Q30/02 , G06Q30/0239 , G06Q30/0601 , G06Q30/0611 , G06Q30/0621 , G06Q30/0629 , G06Q30/0641 , G06Q40/00 , G06Q40/02 , G06Q40/06 , G07F19/20 , G07F19/203
摘要： A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.
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公开(公告)号：US10096042B2
公开(公告)日：2018-10-09
申请号：US14288046
申请日：2014-05-27
IPC分类号： G06Q30/02
摘要： The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
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公开(公告)号：US10007905B2
公开(公告)日：2018-06-26
申请号：US15712056
申请日：2017-09-21
发明人： Adam R. Koeppel , Alex Leo Niderberg , Kevin Kelly , Mili Mittal , Sarah Calandro , Jonathan R. Turfboer
CPC分类号： G06Q20/327 , G06K19/07749 , G06Q20/3221 , G06Q20/36 , G06Q40/02 , H04W4/80 , H04W64/00 , H04W64/003 , H04W76/00
摘要： Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.
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6.发明申请公开(公告)号：US20180137531A1
公开(公告)日：2018-05-17
申请号：US15869815
申请日：2018-01-12
发明人： David Loomis
CPC分类号： G06Q30/0226 , G06Q20/227 , G06Q20/322 , G06Q30/0233
摘要： A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.
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公开(公告)号：US20180130127A1
公开(公告)日：2018-05-10
申请号：US15861829
申请日：2018-01-04
发明人： Katherine Forrester , Nicholas Dolle , Xiaoxiang Zhang , Kurt Johnson , Jeffrey Whalen , David Gray , Shaun Webb , Maninder Suri , Ruhaab Markas
IPC分类号： G06Q40/02
摘要： This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.
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公开(公告)号：US20180122005A1
公开(公告)日：2018-05-03
申请号：US15855916
申请日：2017-12-27
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： Systems and methods are disclosed for determining the value of secured assets associated with loan accounts. In one implementation, a financial service system configures a secured loan account for a customer. The system determines an asset belonging to the customer to serve as the secured collateral for the loan. One or more sensors are configured to monitor information associated with the asset. The financial service system may periodically sample the sensor information associated with the asset, and use the sensor information to determine a present valuation of the secured asset. The sensor information may also be used to modify the loan terms, or to generate advertising targeted to the customer for related goods or services.
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9.发明申请公开(公告)号：US20180122000A1
公开(公告)日：2018-05-03
申请号：US15851677
申请日：2017-12-21
发明人： Scott L. Zimmer , Gagan Kanjlia , Vishal Puri , Michael B. Kiernan , Matthew H. Purdin , Rabin Bhattacharya , Jay F. Pober
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q20/227 , G06Q20/405
摘要： The disclosed embodiments include systems and methods for customer account switching valuation. The disclosed embodiments include a customer account switching valuation computer system that includes a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one aspect, the system may receive, from a client computer associated with a customer, a response to an offer to switch an existing account to a new account and collect, based on the response, account information relating to the existing account. The processor may be configured to parse the collected account information into one or more categories and analyze the categorized account information to determine a value to the customer for switching from the existing account to the new account. The processor may also provide a representation of the value to the client computer.
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10.发明申请公开(公告)号：US20180096424A1
公开(公告)日：2018-04-05
申请号：US15831875
申请日：2017-12-05
发明人： Marcie Apelt , Megan Edds , Keith Barron , Ashley Gibbs , Matthew Vischulis , Carl Ashby , Baining Hu , Yi Liu , David Schardt
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02
摘要： Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
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