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公开(公告)号：US20080091593A1
公开(公告)日：2008-04-17
申请号：US11796561
申请日：2007-04-27
申请人： Rockne Egnatios , Amy Byal , Gerard Marineau , Robert Evans
发明人： Rockne Egnatios , Amy Byal , Gerard Marineau , Robert Evans
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q30/0224 , G06Q40/00 , G06Q40/025
摘要： Methods and systems for opening an account with a financial institution. One method can include electronically storing at least one rule for opening an account with a financial institution. The method can also include electronically receiving account application information from a remote device over at least one network, wherein the account application information includes personal information of a customer requesting to open an account. In addition, the method can include generating at least one risk score based on the account application information and applying the at least one rule to the at least one risk score in order to determine a decision regarding the account application information and to determine at least one funding constraint associated with the account.
摘要翻译： 与金融机构开户的方法和系统。 一种方法可以包括电子地存储用于与金融机构打开账户的至少一个规则。 该方法还可以包括通过至少一个网络从远程设备电子地接收账户应用信息，其中账户应用信息包括请求开立账户的客户的个人信息。 此外，该方法可以包括基于账户应用信息生成至少一个风险分数，并将至少一个规则应用于至少一个风险评分，以便确定关于账户应用信息的决定，并确定至少一个 与帐户相关的资金约束。
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2.发明申请公开(公告)号：US20080091591A1
公开(公告)日：2008-04-17
申请号：US11796562
申请日：2007-04-27
申请人： Rockne Egnatios , Amy Byal , Gerard Marineau , Robert Evans
发明人： Rockne Egnatios , Amy Byal , Gerard Marineau , Robert Evans
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q30/0224 , G06Q40/00 , G06Q40/025
摘要： Methods of systems of opening an account with a financial institution. One method can include electronically receiving account application information over at least one network. The account application information includes personal information associated with a customer requesting to open an account. The method also includes processing the account application information to assess a first risk to the financial institution of opening the account for the customer and electronically receiving funding source information. The funding source information specifies at least one of an existing credit card account and an existing debit card account. In addition, the method includes processing the funding source information to assess a second risk to the financial institution of transferring funds from at least one of the existing credit card account and the existing debit card account. The method further includes electronically transferring funds to the account from at least one of the existing credit card account and the existing debit card account based on at least one of the first risk and the second risk.
摘要翻译： 与金融机构开户的制度方法。 一种方法可以包括通过至少一个网络电子地接收帐户应用信息。 帐户应用信息包括与请求打开帐户的客户相关联的个人信息。 该方法还包括处理帐户申请信息，以评估金融机构为客户开立账户的第一风险，并以电子方式接收资金来源信息。 资金来源信息指定现有的信用卡帐户和现有的借记卡帐户中的至少一个。 此外，该方法还包括处理资金来源信息以评估金融机构从至少一个现有信用卡账户和现有的借记卡账户转移资金的第二风险。 所述方法还包括基于所述第一风险和所述第二风险中的至少一个，从所述现有信用卡帐户和所述现有借记卡账户中的至少一个向所述账户电子转账资金。
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公开(公告)号：US20120173415A1
公开(公告)日：2012-07-05
申请号：US13416785
申请日：2012-03-09
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q30/0224 , G06Q40/00 , G06Q40/025
摘要： Methods and systems for opening an account with a financial institution. One method can include electronically storing at least one rule for opening an account with a financial institution. The method can also include electronically receiving account application information from a remote device over at least one network, wherein the account application information includes personal information of a customer requesting to open an account. In addition, the method can include generating at least one risk score based on the account application information and applying the at least one rule to the at least one risk score in order to determine a decision regarding the account application information and to determine at least one funding constraint associated with the account.
摘要翻译： 与金融机构开户的方法和系统。 一种方法可以包括电子地存储用于与金融机构打开账户的至少一个规则。 该方法还可以包括通过至少一个网络从远程设备电子地接收账户应用信息，其中账户应用信息包括请求开立账户的客户的个人信息。 此外，该方法可以包括基于账户应用信息生成至少一个风险分数，并将至少一个规则应用于至少一个风险评分，以便确定关于账户应用信息的决定，并确定至少一个 与帐户相关的资金约束。
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4.发明申请Methods and systems for providing cross-selling with online banking environments 审中-公开在线银行环境提供交叉销售的方法和系统公开(公告)号：US20080091530A1
公开(公告)日：2008-04-17
申请号：US11796607
申请日：2007-04-27
申请人： Rockne Egnatios , Amy Byal , Gerard Marineau , Robert Evans
发明人： Rockne Egnatios , Amy Byal , Gerard Marineau , Robert Evans
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q30/0224 , G06Q40/00 , G06Q40/025
摘要： A method of performing cross-selling within an authorized online banking environment. One method can include obtaining data relating to online banking activities performed by a customer within an authorized online banking environment, determining at least one product to offer the customer based on the data relating to online banking activities performed by the customer, and providing an offer of the at least one product to the customer within the authorized online banking environment.
摘要翻译： 在授权的网络银行环境中执行交叉销售的方法。 一种方法可以包括获得与在线授权的网络银行环境中的客户进行的网上银行业务有关的数据，根据与客户进行的网上银行活动相关的数据确定至少一种产品以提供客户，并提供 在授权的网络银行环境中的至少一个产品给客户。
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公开(公告)号：US20080091600A1
公开(公告)日：2008-04-17
申请号：US11796563
申请日：2007-04-27
申请人： Rockne Egnatios , Amy Byal , Gerard Marineau , Robert Evans
发明人： Rockne Egnatios , Amy Byal , Gerard Marineau , Robert Evans
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q30/0224 , G06Q40/00 , G06Q40/025
摘要： Methods and systems for monitoring an online account opening service. One system can include an account management system that performs an online account opening service and includes a management console application. The online account opening service electronically receives account application information and funding information specifying at least one funding source, processes the account application to assess a risk to a financial institution of opening an account for a customer, processes the funding source information to assess a risk to the financial institution of transferring funds from the at least one funding source to the account, and electronically transfers funds from the at least one funding source to the account based on the risk to the financial institution of opening the account for the customer and the risk to the financial institution of transferring funds from the at least one funding source to the account. The management console application provides substantially real-time status of the online account opening service. The system can also include at least one network, and at least one remote device connected to the account management system via the at least one network. The at least one remote device accesses the management console application to obtain the substantially real-time status of the online account opening service.
摘要翻译： 用于监控在线开户服务的方法和系统。 一个系统可以包括执行在线开户服务并包括管理控制台应用的帐户管理系统。 在线开户服务以电子形式接收帐户申请信息和资金信息，指定至少一个资金来源，处理帐户申请以评估金融机构为客户开立账户的风险，处理资金来源信息以评估风险 将资金从至少一个资金来源转移到该账户的金融机构，以及基于金融机构为客户开立账户的风险将资金从至少一个资金来源电子转移到该账户，以及风险 将资金从至少一个资金来源转移到该账户的金融机构。 管理控制台应用程序提供在线开户服务的实时状态。 该系统还可以包括至少一个网络，以及经由至少一个网络连接到帐户管理系统的至少一个远程设备。 所述至少一个远程设备访问管理控制台应用以获得在线开户服务的基本上实时的状态。
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公开(公告)号：US07849003B2
公开(公告)日：2010-12-07
申请号：US11796563
申请日：2007-04-27
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q30/0224 , G06Q40/00 , G06Q40/025
摘要： Methods and systems for monitoring an online account opening service. One system can include an account management system that performs an online account opening service and includes a management console application. The online account opening service electronically receives account application information and funding information specifying at least one funding source, processes the account application to assess a risk to a financial institution of opening an account for a customer, processes the funding source information to assess a risk to the financial institution of transferring funds from the at least one funding source to the account, and electronically transfers funds from the at least one funding source to the account based on the risk to the financial institution of opening the account for the customer and the risk to the financial institution of transferring funds from the at least one funding source to the account.
摘要翻译： 用于监控在线开户服务的方法和系统。 一个系统可以包括执行在线开户服务并包括管理控制台应用的帐户管理系统。 在线开户服务以电子形式接收帐户申请信息和资金信息，指定至少一个资金来源，处理帐户申请以评估金融机构为客户开立账户的风险，处理资金来源信息以评估风险 将资金从至少一个资金来源转移到该账户的金融机构，以及基于金融机构为客户开立账户的风险将资金从至少一个资金来源电子转移到该账户，以及风险 将资金从至少一个资金来源转移到该账户的金融机构。
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公开(公告)号：US08423456B2
公开(公告)日：2013-04-16
申请号：US13416785
申请日：2012-03-09
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q30/0224 , G06Q40/00 , G06Q40/025
摘要： Methods and systems for opening an account with a financial institution. One method can include electronically storing at least one rule for opening an account with a financial institution. The method can also include electronically receiving account application information from a remote device over at least one network, wherein the account application information includes personal information of a customer requesting to open an account. In addition, the method can include generating at least one risk score based on the account application information and applying the at least one rule to the at least one risk score in order to determine a decision regarding the account application information and to determine at least one funding constraint associated with the account.
摘要翻译： 与金融机构开户的方法和系统。 一种方法可以包括电子地存储用于与金融机构打开账户的至少一个规则。 该方法还可以包括通过至少一个网络从远程设备电子地接收账户应用信息，其中账户应用信息包括请求开立账户的客户的个人信息。 此外，该方法可以包括基于账户应用信息生成至少一个风险分数，并将至少一个规则应用于至少一个风险评分，以便确定关于账户应用信息的决定，并确定至少一个 与帐户相关的资金约束。
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公开(公告)号：US08160957B2
公开(公告)日：2012-04-17
申请号：US11796561
申请日：2007-04-27
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q30/0224 , G06Q40/00 , G06Q40/025
摘要： Methods and systems for opening an account with a financial institution. One method can include electronically storing at least one rule for opening an account with a financial institution. The method can also include electronically receiving account application information from a remote device over at least one network, wherein the account application information includes personal information of a customer requesting to open an account. In addition, the method can include generating at least one risk score based on the account application information and applying the at least one rule to the at least one risk score in order to determine a decision regarding the account application information and to determine at least one funding constraint associated with the account.
摘要翻译： 与金融机构开户的方法和系统。 一种方法可以包括电子地存储用于与金融机构打开账户的至少一个规则。 该方法还可以包括通过至少一个网络从远程设备电子地接收账户应用信息，其中账户应用信息包括请求开立账户的客户的个人信息。 此外，该方法可以包括基于账户应用信息生成至少一个风险分数，并将至少一个规则应用于至少一个风险评分，以便确定关于账户应用信息的决定，并确定至少一个 与帐户相关的资金约束。
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