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    METHOD AND SYSTEM FOR NOTIFYING CUSTOMERS OF TRANSACTION OPPORTUNITIES
    1.
    发明申请
    METHOD AND SYSTEM FOR NOTIFYING CUSTOMERS OF TRANSACTION OPPORTUNITIES 审中-公开
    用于通知交易机会客户的方法和系统

    公开(公告)号：US20110307366A1

    公开(公告)日：2011-12-15

    申请号：US13159038

    申请日：2011-06-13

    申请人： Arun Ahuja ,  Ramadurai Vaidyanathan ,  Anand Tata ,  Grigor Markarian ,  Joe Pan ,  Peter Tompkins

    发明人： Arun Ahuja ,  Ramadurai Vaidyanathan ,  Anand Tata ,  Grigor Markarian ,  Joe Pan ,  Peter Tompkins

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/00 ,  G06Q10/10 ,  G06Q20/10 ,  G06Q20/382 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q40/02 ,  G06Q40/04

    摘要： A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e.g., e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.

    摘要翻译： 独立的通知系统，包括一个通知服务器，该通知服务器产生用于在一个或多个他们的财务帐户上提醒客户潜在的欺诈活动的电子消息。 或者或除此之外，通知系统可以用于将交易代码转发给客户以验证关于客户的金融账户的高风险交易的请求。 交易代码是响应于高风险交易请求产生的，并通过识别的客户通知手段（例如电子邮件，短信服务（SMS）），传真机，移动电话，电话等发送。客户必须 在预定时间内输入交易代码，以验证高风险交易请求。

    METHOD AND SYSTEM FOR AUTOMATICALLY HARMONIZING ACCESS TO A SOFTWARE APPLICATION PROGRAM VIA DIFFERENT ACCESS DEVICES
    2.
    发明申请
    METHOD AND SYSTEM FOR AUTOMATICALLY HARMONIZING ACCESS TO A SOFTWARE APPLICATION PROGRAM VIA DIFFERENT ACCESS DEVICES 有权
    用于通过不同访问设备自动协调访问软件应用程序的方法和系统

    公开(公告)号：US20110112963A1

    公开(公告)日：2011-05-12

    申请号：US13004294

    申请日：2011-01-11

    申请人： Michael L. GRANDCOLAS ,  Wendell W. ANTHONY ,  Patrick LAW ,  Leslie MOSS ,  Teresa A. PETACH ,  Peter TOMPKINS

    发明人： Michael L. GRANDCOLAS ,  Wendell W. ANTHONY ,  Patrick LAW ,  Leslie MOSS ,  Teresa A. PETACH ,  Peter TOMPKINS

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/38 ,  G06Q20/3821 ,  G06Q20/401 ,  G06Q40/00 ,  G07F7/00 ,  G07F17/16 ,  G07F19/20 ,  G07F19/206 ,  G07F19/211 ,  H04L67/28 ,  H04L67/2823 ,  H04L67/2828 ,  H04L67/30 ,  H04L67/36 ,  Y10S707/99945 ,  Y10S707/99948 ,  Y10S715/962 ,  Y10S715/969

    摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.

    摘要翻译： 方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。 通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。 一个单一的应用程序是所有需要由金融机构编写和维护的。 此外，该方法和系统使金融机构能够“利用”现有计划，因为现在该机构可以自动将其现有存储的程序服务“投影”到新的访问设备 - 这些程序创建时可能尚未存在。 通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。 然后访问应用程序，并且识别要显示给用户的信息。 该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。 用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。 应用程序产生的响应自动转换为与设备兼容，并发送到设备。

    Method and system for notifying customers of transaction opportunities
    5.
    发明申请
    Method and system for notifying customers of transaction opportunities 有权
    通知客户交易机会的方法和系统

    公开(公告)号：US20070174448A1

    公开(公告)日：2007-07-26

    申请号：US11395162

    申请日：2006-04-03

    申请人： Arun Ahuja ,  Ramadurai Vaidyanathan ,  Anand Tata ,  Grigor Markarian ,  Joe Pan ,  Peter Tompkins

    发明人： Arun Ahuja ,  Ramadurai Vaidyanathan ,  Anand Tata ,  Grigor Markarian ,  Joe Pan ,  Peter Tompkins

    IPC分类号： G06F15/173

    CPC分类号： G06Q20/00 ,  G06Q10/10 ,  G06Q20/10 ,  G06Q20/382 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q40/02 ,  G06Q40/04

    摘要： A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e.g., e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.

    摘要翻译： 独立的通知系统，包括一个通知服务器，该通知服务器产生用于在一个或多个他们的财务帐户上提醒客户潜在的欺诈活动的电子消息。 或者或除此之外，通知系统可以用于将交易代码转发给客户以验证关于客户的金融账户的高风险交易的请求。 交易代码是响应于高风险交易请求产生的，并通过识别的客户通知手段（例如电子邮件，短信服务（SMS）），传真机，移动电话，电话等发送。客户必须 在预定时间内输入交易代码，以验证高风险交易请求。

    Method and system for automatically harmonizing access to a software application program via different access devices
    7.
    发明授权
    Method and system for automatically harmonizing access to a software application program via different access devices 有权
    用于通过不同的访问设备自动协调对软件应用程序的访问的方法和系统

    公开(公告)号：US07233925B1

    公开(公告)日：2007-06-19

    申请号：US09240588

    申请日：1999-02-01

    申请人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. Petach ,  Peter Tompkins

    发明人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. Petach ,  Peter Tompkins

    IPC分类号： G06F17/60

    CPC分类号： G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/38 ,  G06Q20/3821 ,  G06Q20/401 ,  G06Q40/00 ,  G07F7/00 ,  G07F17/16 ,  G07F19/20 ,  G07F19/206 ,  G07F19/211 ,  H04L67/28 ,  H04L67/2823 ,  H04L67/2828 ,  H04L67/30 ,  H04L67/36 ,  Y10S707/99945 ,  Y10S707/99948 ,  Y10S715/962 ,  Y10S715/969

    摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.

    摘要翻译： 方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。 通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。 一个单一的应用程序是所有需要由金融机构编写和维护的。 此外，该方法和系统使金融机构能够“利用”现有计划，因为现在该机构可以自动将其现有存储的程序服务“投影”到新的访问设备 - 这些程序创建时可能尚未存在。 通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。 然后访问应用程序，并且识别要显示给用户的信息。 该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。 用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。 应用程序产生的响应自动转换为与设备兼容，并发送到设备。

    Method and system for automatically harmonizing access to a software application program via different access devices
    9.
    发明授权
    Method and system for automatically harmonizing access to a software application program via different access devices 有权
    用于通过不同的访问设备自动协调对软件应用程序的访问的方法和系统

    公开(公告)号：US06332131B1

    公开(公告)日：2001-12-18

    申请号：US09136362

    申请日：1998-08-19

    申请人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. Petach ,  Peter Tompkins

    发明人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. Petach ,  Peter Tompkins

    IPC分类号： G06F1760

    CPC分类号： G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/38 ,  G06Q20/3821 ,  G06Q20/401 ,  G06Q40/00 ,  G07F7/00 ,  G07F17/16 ,  G07F19/20 ,  G07F19/206 ,  G07F19/211 ,  H04L67/28 ,  H04L67/2823 ,  H04L67/2828 ,  H04L67/30 ,  H04L67/36 ,  Y10S707/99945 ,  Y10S707/99948 ,  Y10S715/962 ,  Y10S715/969

    摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.

    摘要翻译： 方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。 通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。 一个单一的应用程序是所有需要由金融机构编写和维护的。 此外，该方法和系统使金融机构能够“利用”现有计划，因为现在该机构可以自动将其现有存储的程序服务“投影”到新的访问设备 - 这些程序创建时可能尚未存在。 通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。 然后访问应用程序，并且识别要显示给用户的信息。 该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。 用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。 应用程序产生的响应自动转换为与设备兼容，并发送到设备。