公开(公告)号：US08346579B1

公开(公告)日：2013-01-01

申请号：US13403139

申请日：2012-02-23

申请人： Alex Solis ,  Jeff Dennes ,  Carl G. Loyd

发明人： Alex Solis ,  Jeff Dennes ,  Carl G. Loyd

IPC分类号： G06Q40/00

CPC分类号： G06Q10/087 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08

摘要： A recurring automatic payment date may be set for an insurance policy premium based on customer preference. A server may receive a customer-specified day of a month and/or a request for bimonthly withdrawals, such as may be entered via a user interface on an insurance company webpage. The customer specified day(s) may be analyzed against data associated with the insurance policies to determine whether the day is disallowed. The day may be disallowed, for example, because it would result in falling behind an earned premium curve and thereby require a double bill or short bill to stay ahead of the earned premium curve.

摘要翻译： 可以根据客户偏好设置一个定期自动付款日期。 服务器可以接收一个月的客户指定的日期和/或双月取款的请求，例如可以通过保险公司网页上的用户界面输入。 可以根据与保险单相关的数据分析客户指定的日期，以确定该日期是否被禁止。 例如，可能不允许这一天，因为这会导致收入溢价曲线落后，从而需要双重账单或短账单才能保持领先于收益溢价曲线。

公开(公告)号：US08571957B1

公开(公告)日：2013-10-29

申请号：US13533675

申请日：2012-06-26

申请人： Jeff Dennes

发明人： Jeff Dennes

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025

摘要： A method of managing all personal financial accounts is accomplished by providing an electronically accessible repository containing financial asset and liability account information. The repository may be electronically accessed by various access channels for reviewing the status of any account in the repository, transferring an external account into the repository, creating a new account in the repository, transferring account adjustments into and out of the repository, making account adjustments within the repository, closing or deleting an account within the repository, presenting a bill to the repository, and paying a bill from one or more accounts in the repository.

公开(公告)号：US08341082B1

公开(公告)日：2012-12-25

申请号：US13004566

申请日：2011-01-11

申请人： Jeff Dennes ,  Charles R. Bear

发明人： Jeff Dennes ,  Charles R. Bear

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q30/04

摘要： A user may log into a system containing data pertaining to a jointly owned funding account of which he is a co-owner. The user may view information directed to the jointly owned funding account, such as his bills and bills associated with other co-owners. The user may pay bills or schedule payments of bills from the funding account. A co-owner of the funding account may set up an account with a biller and enable other co-owners of the funding account to use this information, thereby providing the other co-owners with the same or similar functionality when they log into the system using their own login information. The information that the co-owner may set up with a biller may be ported over to the information maintained by the system that is directed to the other co-owners.

摘要翻译： 用户可以登录到包含与他是共同所有者的共同拥有的资金账户有关的数据的系统。 用户可以查看指向共同拥有的融资账户的信息，例如与其他共同所有者相关联的账单和账单。 用户可以从资金账户支付账单或计划支付账单。 资金账户的共同所有者可以设立一个账户，并让其他资金账户的共同所有者使用这些信息，从而在其登录系统时向其他共同所有者提供相同或相似的功能 使用自己的登录信息。 共同所有者可能与会员设置的信息可能会被移交给系统所保留的针对其他共同所有者的信息。

公开(公告)号：US08145564B1

公开(公告)日：2012-03-27

申请号：US12891400

申请日：2010-09-27

申请人： Alex Solis ,  Jeff Dennes ,  Carl G. Loyd

发明人： Alex Solis ,  Jeff Dennes ,  Carl G. Loyd

IPC分类号： G06Q40/00

CPC分类号： G06Q10/087 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08

摘要： A recurring automatic payment date may be set for an insurance policy premium based on customer preference. A server may receive a customer-specified day of a month and/or a request for bimonthly withdrawals, such as may be entered via a user interface on an insurance company webpage. The customer specified day(s) may be analyzed against data associated with the insurance policies to determine whether the day is disallowed. The day may be disallowed, for example, because it would result in falling behind an earned premium curve and thereby require a double bill or short bill to stay ahead of the earned premium curve.

摘要翻译： 可以根据客户偏好设置一个定期自动付款日期。 服务器可以接收一个月的客户指定的日期和/或双月取款的请求，例如可以通过保险公司网页上的用户界面输入。 可以根据与保险单相关的数据分析客户指定的日期，以确定该日期是否被禁止。 例如，可能不允许这一天，因为这会导致收入溢价曲线落后，从而需要双重账单或短账单才能保持领先于收益溢价曲线。

公开(公告)号：US07809588B1

公开(公告)日：2010-10-05

申请号：US11513592

申请日：2006-08-30

申请人： Alex Solis ,  Jeff Dennes ,  Carl G. Loyd

发明人： Alex Solis ,  Jeff Dennes ,  Carl G. Loyd

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08

摘要： A recurring automatic payment date may be set for an insurance policy premium based on customer preference. A server may receive a customer-specified day of a month and/or a request for bimonthly withdrawals, such as may be entered via a user interface on an insurance company webpage. The customer specified day(s) may be analyzed against data associated with the insurance policies to determine whether the day is disallowed. The day may be disallowed, for example, because it would result in falling behind an earned premium curve and thereby require a double bill or short bill to stay ahead of the earned premium curve.

摘要翻译： 可以根据客户偏好设置一个定期自动付款日期。 服务器可以接收一个月的客户指定的日期和/或双月取款的请求，例如可以通过保险公司网页上的用户界面输入。 可以根据与保险单相关的数据分析客户指定的日期，以确定该日期是否被禁止。 例如，可能不允许这一天，因为这会导致收入溢价曲线落后，从而需要双重账单或短账单才能保持领先于收益溢价曲线。

公开(公告)号：US08620803B1

公开(公告)日：2013-12-31

申请号：US11828899

申请日：2007-07-26

申请人： Jeff Dennes ,  Randy Bear

发明人： Jeff Dennes ,  Randy Bear

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/405

摘要： Systems and methods for directing the transfer of funds are described. Funds to be distributed to a user are received by the system. User distribution preferences are read and the funds are distributed to various sources according to the preferences. Other embodiments are also described and claimed.

摘要翻译： 描述了指导资金转移的系统和方法。 系统会收到要分发给用户的资金。 读取用户分配偏好，并根据喜好将资金分配给各种来源。 还描述和要求保护其他实施例。

公开(公告)号：US08275708B1

公开(公告)日：2012-09-25

申请号：US11853961

申请日：2007-09-12

申请人： Jeff Dennes ,  Charles R. Bear ,  Patricia A. Loeffler ,  Peter H. McKenna ,  Lisa Ellis Schwartz ,  Christy Lynn Newburn

发明人： Jeff Dennes ,  Charles R. Bear ,  Patricia A. Loeffler ,  Peter H. McKenna ,  Lisa Ellis Schwartz ,  Christy Lynn Newburn

IPC分类号： G06Q40/00

CPC分类号： G06Q20/08 ,  G06Q40/02

摘要： Funding source data, such as bank account information or credit card information, associated with a user is stored in an enterprise-wide database maintained by an institution, such as a financial services institution. The data in the enterprise-wide database may be accessible to entities associated with the institution upon the user's authorization. The user only has to provide the funding source data once and may then use that funding source to pay for any product, service, bill, etc. associated with any of the entities of the institution. A user may update funding source data once, and this updated funding source data may then be available to all the entities. After providing account details for the user's various funding sources, a user can assign any of the funding sources to a payment plan for any product or service in any entity of the institution.

摘要翻译： 与用户相关联的资金来源数据（例如银行帐户信息或信用卡信息）存储在由机构（例如金融服务机构）维护的企业范围的数据库中。 企业级数据库中的数据可以在用户授权的情况下与机构相关联的实体访问。 用户只需提供一次资金来源数据，然后可以使用该资金来源支付与该机构的任何实体相关的任何产品，服务，账单等。 用户可以更新一次资金来源数据，然后可以向所有实体提供这种更新的资金来源数据。 在提供用户各种资金来源的帐户详细信息之后，用户可以将任何资金来源分配给该机构的任何实体中的任何产品或服务的付款计划。

公开(公告)号：US08209245B2

公开(公告)日：2012-06-26

申请号：US10329727

申请日：2002-12-26

申请人： Jeff Dennes

发明人： Jeff Dennes

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025

摘要： A method of managing all personal financial accounts is accomplished by providing an electronically accessible repository containing financial asset and liability account information. The repository may be electronically accessed by various access channels for reviewing the status of any account in the repository, transferring an external account into the repository, creating a new account in the repository, transferring account adjustments into and out of the repository, making account adjustments within the repository, closing or deleting an account within the repository, presenting a bill to the repository, and paying a bill from one or more accounts in the repository.

摘要翻译： 管理所有个人财务账户的方法是通过提供一个电子可访问的存储库来实现的，该存储库包含金融资产和负债账户信息。 存储库可以由各种访问通道电子访问，用于检查存储库中的任何帐户的状态，将外部帐户转移到存储库中，在存储库中创建新帐户，将帐户调整转移到库中并进行存储库调整 在存储库内，关闭或删除存储库中的帐户，向存储库呈现帐单，并从存储库中的一个或多个帐户支付帐单。

公开(公告)号：US07870072B1

公开(公告)日：2011-01-11

申请号：US11854858

申请日：2007-09-13

申请人： Jeff Dennes ,  Charles R. Bear

发明人： Jeff Dennes ,  Charles R. Bear

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q30/04

摘要： A user may log into a system containing data pertaining to a jointly owned funding account of which he is a co-owner. The user may view information directed to the jointly owned funding account, such as his bills and bills associated with other co-owners. The user may pay bills or schedule payments of bills from the funding account. A co-owner of the funding account may set up an account with a biller and enable other co-owners of the funding account to use this information, thereby providing the other co-owners with the same or similar functionality when they log into the system using their own login information. The information that the co-owner may set up with a biller may be ported over to the information maintained by the system that is directed to the other co-owners.

摘要翻译： 用户可以登录到包含与他是共同所有者的共同拥有的资金账户有关的数据的系统。 用户可以查看指向共同拥有的融资账户的信息，例如与其他共同所有者相关联的账单和账单。 用户可以从资金账户支付账单或计划支付账单。 资金账户的共同所有者可以设立一个账户，并让其他资金账户的共同所有者使用这些信息，从而在其登录系统时向其他共同所有者提供相同或相似的功能 使用自己的登录信息。 共同所有者可能与会员设置的信息可能会被移交给系统所保留的针对其他共同所有者的信息。

公开(公告)号：US07814006B1

公开(公告)日：2010-10-12

申请号：US11513443

申请日：2006-08-30

申请人： Alex Solis ,  Jeff Dennes ,  Carl G. Loyd

发明人： Alex Solis ,  Jeff Dennes ,  Carl G. Loyd

IPC分类号： G06Q40/00

CPC分类号： G06Q10/087 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08

摘要： A recurring automatic payment date may be set for an insurance policy premium based on customer preference. A server may receive a customer-specified day of a month and/or a request for bimonthly withdrawals, such as may be entered via a user interface on an insurance company webpage. The customer specified day(s) may be analyzed against data associated with the insurance policies to determine whether the day is disallowed. The day may be disallowed, for example, because it would result in falling behind an earned premium curve and thereby require a double bill or short bill to stay ahead of the earned premium curve.