公开(公告)号：US08285622B1

公开(公告)日：2012-10-09

申请号：US12756851

申请日：2010-04-08

申请人： Suresh R. Rao ,  Christopher L. Mocko ,  Shailesh J. Hingole

发明人： Suresh R. Rao ,  Christopher L. Mocko ,  Shailesh J. Hingole

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： A method and system for providing budget recommendations based on financial data from similarly situated individuals whereby financial transaction data associated with a given individual is analyzed to identify financial profile information associated with the given individual. The financial profile information associated with the given individual is then used to determine/define one or more “financial peer” identification criteria/parameters to be used for identifying individuals who are financially similarly situated with respect to the given individual. Financial data associated with various other individuals is obtained from one or more sources and the financial data associated with the other individuals is analyzed using the one or more financial peer identification criteria/parameters to identify one or more financial peers of the given individual. The financial data associated with the identified one or more financial peers of the given individual is then analyzed, aggregated, averaged, and/or otherwise processed, to provide the given individual one or more budget recommendations.

摘要翻译： 一种用于基于来自类似位置的个人的财务数据提供预算建议的方法和系统，从而分析与给定个体相关联的金融交易数据以识别与给定个体相关联的财务简档信息。 然后，使用与给定个人相关联的财务简档信息来确定/定义一个或多个金融对等体识别标准/参数，以用于识别在相对于给定个体在财务上相似位置的个人。 与一个或多个来源获得与各种其他个人相关联的财务数据，并且使用一个或多个财务对等体识别标准/参数分析与其他个人相关联的财务数据，以识别给定个体的一个或多个财务对等体。 然后分析，聚合，平均和/或以其他方式处理与给定个体的所识别的一个或多个财务同伴相关联的财务数据，以给予给定个人一个或多个预算建议。

公开(公告)号：US10515339B1

公开(公告)日：2019-12-24

申请号：US12238318

申请日：2008-09-25

申请人： Marie L. Hughes ,  Marko Rukonic ,  Suresh R. Rao ,  Hung Yip Wu

发明人： Marie L. Hughes ,  Marko Rukonic ,  Suresh R. Rao ,  Hung Yip Wu

IPC分类号： G06Q10/10 ,  G06Q10/00 ,  G06Q40/00

摘要： A method for error correction of a first misclassified transaction that includes receiving a request to correct the first misclassified transaction. The first misclassified transaction is associated with a first client accounting data store of a first client. The first misclassified transaction is associated with a first account, and the request is to change the first account to a second account. The method further includes generating a pattern for account correction based on the request, and applying the pattern to transactions to identify a second misclassified transaction. The transactions are associated with a second client accounting data store of a second client. The method further includes presenting a suggestion of a modification of the second misclassified transaction based on the pattern, and receiving an acceptance of the suggestion.

公开(公告)号：US20090037461A1

公开(公告)日：2009-02-05

申请号：US11833206

申请日：2007-08-02

申请人： Marko Rukonic ,  Suresh R. Rao

发明人： Marko Rukonic ,  Suresh R. Rao

IPC分类号： G06F17/30

CPC分类号： G06Q40/02

摘要： A method for categorization of transactions, the method including receiving a request for a transaction from a user of a plurality of users, determining an availability of an object association for an object name of an object of the transaction, wherein the object association is a preferred object association of the user, selecting a collaborative object association for the object name when the preferred object association of the user is not available, wherein the collaborative object association is selected based on the preferred object association of the plurality of users for the object name, and providing the collaborative object association to the user.

摘要翻译： 一种用于交易分类的方法，所述方法包括从多个用户的用户接收对交易的请求，确定所述交易对象的对象名称的对象关联的可用性，其中所述对象关联是优选的 用户的对象关联，当用户的首选对象关联不可用时，选择对象名称的协作对象关联，其中基于对象名称的多个用户的优选对象关联来选择协作对象关联， 以及向用户提供协作对象关联。

公开(公告)号：US08560447B1

公开(公告)日：2013-10-15

申请号：US13192228

申请日：2011-07-27

申请人： Shailesh J. Hinghole ,  LennaRani Chittineni ,  Suresh R. Rao

发明人： Shailesh J. Hinghole ,  LennaRani Chittineni ,  Suresh R. Rao

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/14 ,  G06Q20/227 ,  G06Q20/36

摘要： Systems, method and articles of manufacture for identifying an account of an account holder, user or payor to be utilized for an electronic bill payment to a payee. An online bill payment system or separate program receives account data of the payor from payor accounts at financial institution that will process the electronic bill payment and from another financial institution at which the payor has an account. Data of accounts hosted by the other financial institution is received from a financial management system. Data such as account balances and transactions is analyzed to determine estimated balances of the accounts on a payment data and to generate account rankings or scores. Account selection is based at least in part upon the scores, and the selected account is presented to the payor and may then be used for the electronic bill payment, or the payor may select a different account.

摘要翻译： 用于识别账户持有人账户，用户或付款人的系统，方法和制品，用于向收款人支付电子账单。 在线账单支付系统或单独的计划从处理电子账单支付的金融机构的付款人帐户和从付款人拥有帐户的另一个金融机构接收付款人的帐户数据。 由其他金融机构主办的账户数据来自财务管理系统。 分析帐户余额和交易等数据，以确定付款数据上帐户的估计余额，并生成帐户排名或分数。 帐户选择至少部分地基于分数，并且所选择的帐户被呈现给付款人，然后可以用于电子账单支付，或者付款人可以选择不同的账户。

公开(公告)号：US07966329B1

公开(公告)日：2011-06-21

申请号：US12182731

申请日：2008-07-30

申请人： Marko Rukonic ,  Suresh R. Rao

发明人： Marko Rukonic ,  Suresh R. Rao

IPC分类号： G06F17/30

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  Y10S707/95

摘要： A method for categorizing financial transactions, that includes identifying a vendor of the first financial transaction. An attempt is made to categorize the transaction on a first categorization level complying with a first categorization scheme, then a second categorization level that complies with a second categorization scheme, and then a third categorization level that complies with a third categorization scheme. The first categorization scheme differs from the second categorization scheme. When the transaction cannot be categorized on a previous categorization level, the attempt is made for the next level and the second categorization level. The transaction is categorized on the third level. The method further includes displaying the vendor category.

摘要翻译： 一种用于分类金融交易的方法，包括识别第一次金融交易的供应商。 尝试在遵循第一分类方案的第一分类级别，然后符合第二分类方案的第二分类级别，然后符合第三分类方案的第三分类级别对交易进行分类。 第一种分类方案与第二种分类方案不同。 当事务不能在以前的分类级别分类时，尝试进行下一级别和第二种分类级别。 交易分为三级。 该方法还包括显示供应商类别。