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公开(公告)号：US10460379B1
公开(公告)日：2019-10-29
申请号：US13612673
申请日：2012-09-12
摘要： A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device to manage accounts respectively associated with a plurality of users, and interface logic coupled to the account management logic and the data storage device to connect the data processing system to computing systems associated with the plurality of users by way of the Internet, the interface logic providing the users with web access to an on-line banking area of a website of a financial institution, the interface logic further configured to establish a connection with one of the users and provide the user with a user interface. The user interface may be customizable based on inputs received from the user to provide selected ones of display modules.
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公开(公告)号：US08719132B1
公开(公告)日：2014-05-06
申请号：US13612703
申请日：2012-09-12
CPC分类号： G06Q20/00 , G06Q20/085 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q20/227 , G06Q20/405 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device to manage accounts respectively associated with a plurality of users, and interface logic coupled to the account management logic and the data storage device to connect the data processing system to computing systems associated with the plurality of users by way of the Internet, the interface logic providing the users with web access to an on-line banking area of a website of a financial institution, the interface logic further configured to establish a connection with one of the users and provide the user with a user interface. The user interface may be customizable based on inputs received from the user to provide selected ones of display modules.
摘要翻译： 计算机实现的数据处理系统包括存储在存储器中并可由处理器执行的数据存储设备以及处理器和程序逻辑。 程序逻辑可以包括耦合到数据存储设备的帐户管理逻辑以管理分别与多个用户相关联的帐户，以及耦合到帐户管理逻辑和数据存储设备的接口逻辑，以将数据处理系统连接到与 多个用户通过因特网，接口逻辑为用户提供对金融机构的网站的在线银行区域的web访问，该接口逻辑还被配置为建立与一个用户的连接并提供 用户具有用户界面。 可以基于从用户接收的输入来提供用户界面以提供所选择的显示模块。
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公开(公告)号：US08639622B1
公开(公告)日：2014-01-28
申请号：US12871761
申请日：2010-08-30
申请人： Alicia Y. Moore , Michael R. Thomas , Andrew Diggdon , John Maher , Karen Lynne Moore , Yon Wing Lee , Brian Paul McMahon
发明人： Alicia Y. Moore , Michael R. Thomas , Andrew Diggdon , John Maher , Karen Lynne Moore , Yon Wing Lee , Brian Paul McMahon
CPC分类号： G06Q20/00 , G06Q20/085 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q20/227 , G06Q20/405 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： A computer-implemented data processing system includes a data storage system; and a processor and program logic stored in memory and executable by the processor, the program logic including account management logic coupled to the data storage system and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device; and budget logic coupled to the account management logic and configured to provide budget data including budget cash flow amounts for a user for cash withdrawals, the cash withdrawals executed via automated teller machines (ATMs). The budget logic enables the user to access and modify the budget data including the budget spending amounts via the ATMs.
摘要翻译： 计算机实现的数据处理系统包括数据存储系统; 以及存储在存储器中并由处理器执行的处理器和程序逻辑，所述程序逻辑包括耦合到所述数据存储系统并被配置为管理分别与多个用户相关联的帐户的帐户管理逻辑，所述帐户管理逻辑包括配置的帐户处理逻辑 处理帐户的交易并存储与数据存储设备中的帐户相关的帐户数据; 和预算逻辑，耦合到帐户管理逻辑，并且被配置为提供包括用于现金提取的用户的预算现金流量的预算数据，通过自动取款机（ATM）执行的现金提取。 预算逻辑使用户能够通过自动柜员机访问和修改预算数据，包括预算支出金额。
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公开(公告)号：US10810660B1
公开(公告)日：2020-10-20
申请号：US13612720
申请日：2012-09-12
摘要： A computer-implemented data processing system includes a data storage system, and a processor and program logic stored in memory and executable by the processor. The program logic includes logic configured to manage accounts respectively associated with a plurality of users, process transactions for the accounts and store account data related to the accounts in the data storage device, access the account data stored in the storage device and determine projected retirement spending amounts for a user based on account data associated with the user, determine a projected required savings amount based on the projected retirement spending amounts, and establish a connection with one of the users and provide the user with a user interface, the user interface including retirement planning data, the retirement planning data including an indication of the user's progress in accumulating the projected required savings amount.
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公开(公告)号：US10460376B1
公开(公告)日：2019-10-29
申请号：US12324637
申请日：2008-11-26
申请人： Matthew Krakowiecki , Pearl Kolling , Jack Mackouse , Kevin Rhein , Elizabeth Hoople , Kathy Yee , Brian Paul McMahon , Brett David Ehrlich
发明人： Matthew Krakowiecki , Pearl Kolling , Jack Mackouse , Kevin Rhein , Elizabeth Hoople , Kathy Yee , Brian Paul McMahon , Brett David Ehrlich
IPC分类号： G06Q40/00
摘要： A data management system includes a storage device configured to store financial data for a plurality of financial transactions, the financial data for the plurality of financial transactions being associated with a plurality of different accounts of a user, each of the plurality of financial transactions being associated with one of a plurality of transaction categories. The system further includes a server coupled to the storage device and configured to retrieve the financial data for the plurality of financial transactions from the data storage device; receive a request from the user to generate a budget for the user, the budget including budget cash flow amounts for the plurality of transaction categories, determine an average cash flow amount for each of the plurality of transaction categories, the average cash flow amount for each of the transaction categories being based on the financial data for financial transactions associated with the transaction category, generate a budget report including the budget cash flow amount for each of the plurality of transaction categories, the budget cash flow amount for each transaction category being determined based on the average cash flow amount for the transaction category, and provide the budget report to the user.
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