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    VIRTUAL TRANSACTION CUTOFF
    2.
    发明申请
    VIRTUAL TRANSACTION CUTOFF 审中-公开
    虚拟交易切割

    公开(公告)号：US20120191583A1

    公开(公告)日：2012-07-26

    申请号：US13011715

    申请日：2011-01-21

    申请人： Jennifer Kendrick Anthony ,  Brent Beecher Allen

    发明人： Jennifer Kendrick Anthony ,  Brent Beecher Allen

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02

    摘要： A method is provided that includes: (a) receiving transaction information associated with a transaction; (b) determining, based at least partially on the transaction information, that the transaction involves an account, occurred after a daily cutoff time on a first day, has a predetermined transaction type, and includes a transaction amount; and (c) designating, using a processor and based at least partially on the determining that the transaction occurred after the daily cutoff time and has the predetermined transaction type, the transaction amount for inclusion in the daily ending balance for the account for the first day. The method may further include designating, based at least partially on the determining that the transaction occurred after the daily cutoff time, the transaction for posting to the account on a second day. The method may further include determining the daily ending balance based at least partially on the transaction amount.

    摘要翻译： 提供了一种方法，其包括：（a）接收与交易相关联的交易信息; （b）至少部分地基于交易信息来确定交易涉及在第一天的每日截止时间之后发生的帐户具有预定的交易类型，并且包括交易金额; （c）指定，使用处理器并且至少部分地基于确定交易在每日截止时间之后发生并具有预定交易类型的交易金额，以包括在第一天的账户的日终余额中 。 该方法还可以包括至少部分地基于在每日截止时间之后确定交易发生在第二天发布到该账户的交易。 该方法可以进一步包括至少部分地基于交易量来确定日终帐余额。

    DEPOSIT TRANSACTION-LEVEL INFORMATION
    3.
    发明申请
    DEPOSIT TRANSACTION-LEVEL INFORMATION 审中-公开
    存款交易级信息

    公开(公告)号：US20120078786A1

    公开(公告)日：2012-03-29

    申请号：US12890362

    申请日：2010-09-24

    申请人： Jennifer Kendrick Anthony ,  Brent Beecher Allen ,  Cynthia Dawn Washington Gilley ,  Andrew William Lester ,  Sheri Marie Tindall ,  Stephen Joseph Brunhuber ,  Joyce Jacobson Reinhart

    发明人： Jennifer Kendrick Anthony ,  Brent Beecher Allen ,  Cynthia Dawn Washington Gilley ,  Andrew William Lester ,  Sheri Marie Tindall ,  Stephen Joseph Brunhuber ,  Joyce Jacobson Reinhart

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/108

    摘要： Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit transaction, where the deposit transaction involves a deposit account, and where the deposit transaction includes a total deposit amount; (b) determining, based at least partially on the information associated with the deposit transaction, that a first amount of the total deposit amount is immediately available; (c) determining, based at least partially on the information associated with the deposit transaction, that a second amount of the total deposit amount is not immediately available, (d) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the first amount is immediately available; and (e) posting second information to the online banking account, where the second information indicates that the second amount is not immediately available.

    摘要翻译： 本发明的一些实施例提供了一种方法，其包括：（a）接收与存款交易相关联的信息，其中存款交易涉及存款帐户，并且存款交易包括总存款金额; （b）至少部分地确定与存款交易相关的信息，即可以立即获得总存款金额的第一笔金额; （c）至少部分地基于与存款交易相关的信息确定第二数额的总存款金额不能立即获得，（d）将第一信息发布到网上银行账户，其中网上银行帐户是 与存款帐户相关联，并且第一个信息指示第一个数量立即可用; 和（e）将第二信息发布到网上银行账户，其中第二信息指示第二数量不能立即获得。

    AVAILABLE BALANCE ENHANCEMENT
    4.
    发明申请
    AVAILABLE BALANCE ENHANCEMENT 审中-公开
    可用的平衡增强

    公开(公告)号：US20120078784A1

    公开(公告)日：2012-03-29

    申请号：US12890352

    申请日：2010-09-24

    申请人： Jennifer Kendrick Anthony ,  Brent Beecher Allen ,  Cynthia Dawn Washington Gilley ,  Andrew William Lester ,  Sheri Marie Tindall ,  Stephen Joseph Brunhuber ,  Joyce Jacobson Reinhart

    发明人： Jennifer Kendrick Anthony ,  Brent Beecher Allen ,  Cynthia Dawn Washington Gilley ,  Andrew William Lester ,  Sheri Marie Tindall ,  Stephen Joseph Brunhuber ,  Joyce Jacobson Reinhart

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/108

    摘要： In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking account, where the second information indicates that the available balance is not based on the second transaction.

    摘要翻译： 在本发明的一些实施例中，提供了一种方法，其包括：（a）接收与第一交易相关联的信息，其中第一交易涉及存款账户; （b）接收与第二交易有关的信息，其中第二交易涉及存款账户; （c）至少部分地基于与第一交易相关联的信息来确定与存款帐户相关联的可用余额至少部分地基于第一交易; （d）至少部分地基于与第二交易相关联的信息来确定可用余额不是基于第二交易; （e）将第一信息发布到网上银行帐户，网上银行帐户与存款帐户相关联，以及第一信息指示可用余额至少部分地基于第一交易; 和（f）将第二信息发布到网上银行账户，其中第二信息指示可用余额不是基于第二交易。