公开(公告)号：US20120259776A1

公开(公告)日：2012-10-11

申请号：US13083325

申请日：2011-04-08

申请人： Hitesh Bajaj ,  Amlan Banerjee ,  Ray R. Hernandez ,  Charles F. Pigg ,  Andrew L. Saar

发明人： Hitesh Bajaj ,  Amlan Banerjee ,  Ray R. Hernandez ,  Charles F. Pigg ,  Andrew L. Saar

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： Embodiments of the invention are directed to systems, methods and computer program products for determining whether an account is eligible to participate in a banking service. In some embodiments, a method includes: (a) receiving information associated with an account; (b) determining, based at least partially on the information, that the account is eligible to participate in a banking service; and (c) presenting, in an electronic banking environment accessible to a holder of the account, an identifier associated with the banking service, where the presenting is based at least partially on the determining that the account is eligible. In some embodiments, the method further includes activating the banking service for the account. In some embodiments, the identifier is embodied as an input feature that enables the holder to enroll in the banking service. In other embodiments, the identifier is embodied as an input feature that enables the holder to use the banking service.

摘要翻译： 本发明的实施例涉及用于确定帐户是否有资格参与银行服务的系统，方法和计算机程序产品。 在一些实施例中，一种方法包括：（a）接收与帐户相关联的信息; （b）至少部分地确定该资料有资格参与银行服务; 以及（c）在所述帐户持有人可访问的电子银行环境中呈现与所述银行服务相关联的标识符，其中所述呈现至少部分地基于所述帐户是否符合资格。 在一些实施例中，该方法还包括激活该帐户的银行业务。 在一些实施例中，标识符被实施为使得持有者能够注册银行服务的输入特征。 在其他实施例中，标识符被实现为使得持有者能够使用银行服务的输入特征。

公开(公告)号：US20120259778A1

公开(公告)日：2012-10-11

申请号：US13083310

申请日：2011-04-08

申请人： Amlan Banerjee ,  Therese H. Willis

发明人： Amlan Banerjee ,  Therese H. Willis

IPC分类号： G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q20/20 ,  G06Q20/3224 ,  G06Q20/3274 ,  G06Q20/3276

摘要： Embodiments of the present invention relate to systems, methods and computer program products for processing transaction information associated with a mobile banking transaction. In some embodiments, a method includes: (a) receiving transaction information associated with a mobile banking transaction, where the mobile banking transaction is performed using a mobile device; (b) determining, based at least partially on the transaction information, that the mobile device is positioned at a particular location during the transaction; (c) determining, using a processor, that the particular location is associated with a virtual ATM; (d) designating the transaction for processing in accordance with one or more rules associated with the virtual ATM; and/or (e) processing the transaction based at least partially on the transaction information and in accordance with one or more rules associated with the virtual ATM. In some of these embodiments, the mobile banking transaction is a mobile deposit transaction.

摘要翻译： 本发明的实施例涉及用于处理与移动银行交易相关联的交易信息的系统，方法和计算机程序产品。 在一些实施例中，一种方法包括：（a）接收与移动银行交易相关联的交易信息，其中使用移动设备执行移动银行交易; （b）至少部分地基于所述交易信息来确定所述移动设备在所述交易期间位于特定位置; （c）使用处理器确定所述特定位置与虚拟ATM相关联; （d）根据与虚拟ATM相关联的一个或多个规则指定用于处理的交易; 和/或（e）至少部分地基于交易信息并且根据与虚拟ATM相关联的一个或多个规则处理交易。 在这些实施例中的一些实施例中，移动银行交易是移动存款交易。