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    BILL PAYMENT MANAGEMENT
    1.
    发明申请
    BILL PAYMENT MANAGEMENT 审中-公开
    付款管理

    公开(公告)号：US20140012746A1

    公开(公告)日：2014-01-09

    申请号：US13543700

    申请日：2012-07-06

    申请人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

    发明人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

    IPC分类号： G06Q20/08

    CPC分类号： G06Q20/102 ,  G06Q40/00

    摘要： Embodiments of the invention are directed to systems, methods and computer program products associated with a visual bill management feature that leverages projected account balances to schedule bill payment dates. In some embodiments, a method comprises determining at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a first graphical indicator indicating a bill payment date associated with the at least one bill payment, wherein the at least one bill payment is scheduled to made on the bill payment date; initiating presentation of an account balance graph associated with the account based on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future; and enabling shifting of the first graphical indicator to reschedule the bill payment date.

    摘要翻译： 本发明的实施例涉及与视觉账单管理功能相关联的系统，方法和计算机程序产品，其利用预计的帐户余额来计划账单支付日期。 在一些实施例中，一种方法包括使用与该帐户相关联的资金来确定要进行的至少一个账单支付; 通过移动网络发起指示与所述至少一个账单支付相关联的账单支付日期的第一图形指示符，其中所述至少一个账单支付被安排在账单支付日期上作出; 基于所述至少一个账单支付来启动与所述账户相关联的账户余额图表，其中所述账户余额图表示在将来的预定期间内的账户余额; 并且允许移动第一图形指示符以重新计划账单支付日期。

    FINANCIAL DOCUMENT PROCESSING SYSTEM
    2.
    发明申请
    FINANCIAL DOCUMENT PROCESSING SYSTEM 审中-公开
    财务文件处理系统

    公开(公告)号：US20140012754A1

    公开(公告)日：2014-01-09

    申请号：US13543676

    申请日：2012-07-06

    申请人： Carrie Anne HANSON ,  Scott R. ENSCOE ,  Alexander C. WITTKOWSKI ,  David M. GRIGG ,  Daniel DAVID ,  Katherine DINTENFASS ,  Ray R. HERNANDEZ ,  Brett NEWMAN ,  Leo KOPELOW ,  Yameng LI ,  Nicole CHEN ,  Nicholas SHARP

    发明人： Carrie Anne HANSON ,  Scott R. ENSCOE ,  Alexander C. WITTKOWSKI ,  David M. GRIGG ,  Daniel DAVID ,  Katherine DINTENFASS ,  Ray R. HERNANDEZ ,  Brett NEWMAN ,  Leo KOPELOW ,  Yameng LI ,  Nicole CHEN ,  Nicholas SHARP

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/40 ,  G06Q20/042

    摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing a financial document processing system. The system receives an image of a financial document, such as a check, and identifies at least a transaction amount from the financial document. Then the system determines account information associated with the financial document. The system may identify a routing and account number on the financial document or identify the document based on a name on the document. Once the transaction amount and account information are known, the system determines a prospective balance for a financial account based on the account information and the transaction amount. If there are funds at least equal to the transaction amount in the financial account, the system validates the transactions. In some embodiments, the system also immediately updates the balance of the account and/or offers to complete the transaction.

    摘要翻译： 本发明的实施例涉及用于提供财务文档处理系统的系统，方法和计算机程序产品。 系统接收诸如支票的财务文件的图像，并且从财务文件中识别至少一个交易金额。 然后系统确定与财务文件相关联的帐户信息。 系统可以识别财务文件上的路由和帐号，或者根据文档上的名称识别文档。 一旦交易金额和账户信息已知，系统将根据账户信息和交易金额确定金融账户的预期余额。 如果有至少等于金融账户交易金额的资金，则系统验证交易。 在一些实施例中，系统还立即更新帐户的余额和/或提供以完成交易。

    EARNING REWARDS VIA BILL PAYMENT
    8.
    发明申请
    EARNING REWARDS VIA BILL PAYMENT 审中-公开
    通过付款获得奖励

    公开(公告)号：US20140012651A1

    公开(公告)日：2014-01-09

    申请号：US13543651

    申请日：2012-07-06

    申请人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

    发明人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0207

    摘要： Embodiments of the invention are directed to systems, methods and computer program products associated with a bill payment feature that enables users to receive rewards for paying bills before their due dates. In some embodiments, a method comprises determining a bill due within a predetermined period in the future; initiating, via a mobile network, notification of the bill, an amount associated with the bill, and a due date associated with the bill; initiating, via the mobile network, a first option to pay the bill prior to the due date; and in response to determining the first option is selected: deducting, from an account, an amount of funds corresponding to the amount associated with the bill; providing a reward to the account; and transmitting, on the due date, the amount of funds to a merchant associated with the bill.

    摘要翻译： 本发明的实施例涉及与账单支付功能相关联的系统，方法和计算机程序产品，其使用户能够在到期日之前收到用于支付账单的奖励。 在一些实施例中，一种方法包括确定将来在预定时段内到期的账单; 通过移动网络发起帐单的通知，与账单相关联的金额以及与帐单相关联的到期日; 通过移动网络启动在到期日之前支付帐单的第一个选项; 并且响应于确定选择第一选项：从帐户中扣除与该账单相关的金额相应的资金数额; 为账户提供奖励; 并在到期日向与该账单相关联的商家发送资金。