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    System and method for securing data through a PDA portal
    4.
    发明授权
    System and method for securing data through a PDA portal 有权
    通过PDA门户保护数据的系统和方法

    公开(公告)号：US08738532B2

    公开(公告)日：2014-05-27

    申请号：US13181883

    申请日：2011-07-13

    申请人： Fauziah B. Ariff ,  Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer

    发明人： Fauziah B. Ariff ,  Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer

    IPC分类号： G06Q30/02 ,  G06F15/16 ,  H04L29/06 ,  G06F17/30 ,  G06F7/04 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q30/06 ,  G06Q40/02

    CPC分类号： G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/02

    摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.

    摘要翻译： 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行身份验证，并允许用户通过网络完成安全交易或传输。

    Pay yourself first with user guidance
    5.
    发明授权
    Pay yourself first with user guidance 有权
    首先使用用户指南来支付费用

    公开(公告)号：US08407137B2

    公开(公告)日：2013-03-26

    申请号：US12714772

    申请日：2010-03-01

    申请人： Tracey R. Thomas

    发明人： Tracey R. Thomas

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/405 ,  G06Q30/02 ,  G06Q40/00

    摘要： The system encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.

    摘要翻译： 该制度鼓励用户不仅要先支付自己，而且要尽可能多地支付自己，即使不能够完全偿还未偿还的债务。 系统获取与用户收入，收入来源，用户债务（例如账单）和用户目标有关的信息。 该制度提供了与根据例如储蓄目标，最大限度地减少与用户债务相关的处罚/费用，最低到期金额，到期日和可用收入来支付某些账单和优先支付每笔账单的数额的建议。 然后，系统和/或用户可以确定支付层次结构，其包括在支付所有或部分某些账单之前将资金转移到用户的储蓄账户，其中资金的转移可以包括不同的资金转账系统和方法。

    Pay yourself first budgeting
    9.
    发明授权
    Pay yourself first budgeting 有权
    支付自己第一个预算

    公开(公告)号：US08473380B2

    公开(公告)日：2013-06-25

    申请号：US10710779

    申请日：2004-08-02

    申请人： Tracey R. Thomas ,  Raymond R. Ferrell

    发明人： Tracey R. Thomas ,  Raymond R. Ferrell

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G06Q30/0216 ,  G06Q40/00

    摘要： The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the invention obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals, then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The invention also determines a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills. The invention also monitors a consumer's purchasing activity based upon an established budget.

    摘要翻译： 本发明鼓励用户不仅自己首先付款，而且要尽可能多地支付自己，即使不能够完全偿还未偿还的债务。 一般来说，本发明获得与用户收入，收入来源，用户债务（例如账单）和用户目标相关的信息，然后提供与支付某些账单的优先级相关的建议，以及基于 例如，储蓄目标，最低到期金额，到期日和可获得的收入。 本发明还确定支付层次结构，其包括在支付所有或部分某些账单之前将资金转移到用户的储蓄账户。 本发明还基于既定的预算来监视消费者的购买活动。