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公开(公告)号：US20140129432A1
公开(公告)日：2014-05-08
申请号：US13667437
申请日：2012-11-02
发明人： Carrie Anne Hanson , Leland E. Modesitt , Katherine Dintenfass , Alexander C. Wittkowski , Laura Corinne Bondesen , Marc Lance Warshawsky , Jon R. Wolf , Scott R. Enscoe , Brett Newman , Leo Kopelow , Yameng Li , Nicole Chen , Nicholas Sharp
IPC分类号： G06Q20/14
CPC分类号： G06Q10/06311 , G06Q20/14 , G06Q30/04 , G06Q40/02
摘要： Embodiments of the invention include systems, methods, and computer-program products for providing vendor statement management for a user, including the receiving, monitoring, and paying of statements with no or minimal user required interaction. As such, the invention provides a facilitated access to accurate statement information from all of the vendors or service providers consolidated into one reliable source. Embodiments of the present invention provide a system for statement management. Specifically, embodiments of the invention allow for determining vendor statements associated with a user, consolidating the found vendor statements, monitoring those statements, notifying user if vendor statement need attention or payment, and providing payment from a payment account for the vendor statement.
摘要翻译： 本发明的实施例包括用于为用户提供供应商声明管理的系统，方法和计算机程序产品，包括接收，监视和支付没有或最少用户需要的交互的语句。 因此，本发明提供了一种便于访问来自所有供应商或服务提供商的精确语句信息，这些信息合并成一个可靠的来源。 本发明的实施例提供了一种用于语句管理的系统。 具体地，本发明的实施例允许确定与用户相关联的供应商语句，合并所找到的供应商语句，监视那些语句，通知用户供应商声明是否需要注意或支付，以及从供应商声明的支付帐户提供支付。
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公开(公告)号：US20140156505A1
公开(公告)日：2014-06-05
申请号：US13689977
申请日：2012-11-30
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3223 , G06Q20/3224 , G06Q40/02
摘要： Embodiments of the invention are directed to systems, methods and computer program products for serving a user at a facility. In some embodiments, a system is configured to determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; determine the transaction can be executed on the mobile device; and in response to determining the transaction can be executed on the mobile device, demonstrate the transaction to the user, wherein the demonstration assists the user to execute the transaction.
摘要翻译： 本发明的实施例涉及用于在设施处为用户提供服务的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为确定用户已经进入设施，其中用户具有移动设备，并且其中用户正在等待与设施处的代理或设施处的计算设备中的至少一个交互 ; 与移动设备通信以确定用户访问设施的原因，其原因包括旨在由用户在设施处执行的交易; 确定交易可以在移动设备上执行; 并且响应于确定可以在移动设备上执行交易，向用户展示交易，其中示范帮助用户执行交易。
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公开(公告)号：US20140156507A1
公开(公告)日：2014-06-05
申请号：US13691357
申请日：2012-11-30
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0281
摘要： A system provides assistance to a user having a user device proximate a financial institution location by receiving a communication initiated by an application running on the user device without initiation by the user; establishing a connection with the user device; determining an identity of the user; determining a user purpose for visiting the location; and communicating instructions to the application running on the user device, the instructions to cause the user device to navigate to a page of a website of the financial institution corresponding to the determined user purpose for visiting the location. In some embodiments, the identity of the user is determined by determining whether a received PIN matches a stored PIN associated with a device ID received from the user device.
摘要翻译： 系统通过接收由在用户设备上运行的应用而发起的通信而不由用户启动来向具有靠近金融机构位置的用户设备的用户提供帮助; 建立与用户设备的连接; 确定用户的身份; 确定访问该位置的用户目的; 以及向所述用户设备上运行的应用程序传达指令，所述指令使得所述用户设备导航到所述金融机构的网站的对应于所述确定的用户访问所述位置的目的的页面。 在一些实施例中，通过确定接收的PIN是否匹配与从用户设备接收的设备ID相关联的存储的PIN来确定用户的身份。
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公开(公告)号：US20140156506A1
公开(公告)日：2014-06-05
申请号：US13690113
申请日：2012-11-30
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3223 , G06Q20/3224 , G06Q30/06
摘要： Embodiments of the invention are directed to systems, methods and computer program products for enabling self-service at a facility. In some embodiments, a system is configured to: determine a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; prompt the user to perform, on the mobile device, an action associated with the intended transaction while the user is waiting to interact with at least one of the agent or the computing device.
摘要翻译： 本发明的实施例涉及用于在设施中实现自助服务的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：确定用户已经进入设施或距离设施是预定距离，其中用户具有移动设备，并且其中用户正在等待与以下中的至少一个代理进行交互： 或远离工厂的设施或计算设备; 与移动设备通信以确定用户访问设施的原因，其原因包括旨在由用户在设施处执行的交易; 提示用户在用户等待与代理或计算设备中的至少一个交互时，在移动设备上执行与预期事务相关联的动作。
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公开(公告)号：US20140156536A1
公开(公告)日：2014-06-05
申请号：US13690091
申请日：2012-11-30
IPC分类号： G06Q30/00
CPC分类号： G06Q20/3224 , G06Q20/3278 , G06Q30/016
摘要： Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device.
摘要翻译： 本发明的实施例涉及用于在移动设备上执行交易的初步步骤的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：确定用户已经进入了设施，其中用户具有移动设备，并且其中用户正在等待与设施中或远离设施的代理中的至少一个进行交互，或者计算 设备设备; 与移动设备通信以确定用户访问设施的原因，其原因包括旨在由用户在设施处执行的交易; 将表单发送到用户的移动设备，该表单基于预期的交易，以及提示用户输入与预期交易相关联的信息的形式; 从用户的移动设备接收用户填写的表单。
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公开(公告)号：US20130218694A1
公开(公告)日：2013-08-22
申请号：US13840519
申请日：2013-03-15
发明人： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/20 , G06Q20/227 , G06Q20/3676 , G06Q20/40 , G06Q20/401 , G06Q20/42
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
摘要翻译： 一般来说，本发明的实施例涉及用于通过交易机器提供超过帐户阈值的服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息来确定该账户将因交易而产生超过阈值; （c）通过交易机器提示持有人同意超出阈值; （d）接受持有人的同意超过阈值; （e）至少部分地授权交易获得持有人的同意。
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公开(公告)号：US09595036B2
公开(公告)日：2017-03-14
申请号：US13840552
申请日：2013-03-15
发明人： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
CPC分类号： G06Q20/405 , G06Q20/20 , G06Q20/40 , G06Q20/407 , G06Q20/425 , G06Q30/06 , G06Q40/02
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
摘要翻译： 一般来说，本发明的实施例涉及用于通过移动设备提供超过帐户阈值的服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息确定该账户将由于该交易而产生超额阈值金额; （c）提示持有人通过移动设备同意超过阈值金额，持有人与移动设备相关联; （d）收到持有人的同意超过阈值金额; （e）至少部分地授权交易获得持有人的同意。
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公开(公告)号：US09595035B2
公开(公告)日：2017-03-14
申请号：US13840519
申请日：2013-03-15
发明人： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
CPC分类号： G06Q20/405 , G06Q20/20 , G06Q20/227 , G06Q20/3676 , G06Q20/40 , G06Q20/401 , G06Q20/42
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
摘要翻译： 一般来说，本发明的实施例涉及用于通过交易机器提供超过帐户阈值的服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息来确定该账户将因交易而产生超过阈值; （c）通过交易机器提示持有人同意超出阈值; （d）接受持有人的同意超过阈值; （e）至少部分地授权交易获得持有人的同意。
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公开(公告)号：US09508070B2
公开(公告)日：2016-11-29
申请号：US13690091
申请日：2012-11-30
CPC分类号： G06Q20/3224 , G06Q20/3278 , G06Q30/016
摘要： Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device.
摘要翻译： 本发明的实施例涉及用于在移动设备上执行交易的初步步骤的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：确定用户已经进入了设施，其中用户具有移动设备，并且其中用户正在等待与设施中或远离设施的代理中的至少一个进行交互，或者计算 设备设备; 与移动设备通信以确定用户访问设施的原因，其原因包括旨在由用户在设施处执行的交易; 将表单发送到用户的移动设备，该表单基于预期的交易，以及提示用户输入与预期交易相关联的信息的形式; 从用户的移动设备接收用户填写的表单。
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公开(公告)号：US20140129442A1
公开(公告)日：2014-05-08
申请号：US13667753
申请日：2012-11-02
发明人： Carrie Anne Hanson , Leland E. Modesitt , Katherine Dintenfass , Alexander C. Wittkowski , Laura Corinne Bondesen , Marc Lance Warshawsky , Jon R. Wolf , Scott R. Enscoe , Brett Newman , Leo Kopelow , Yameng Li , Nicole Chen , Nicholas Sharp
CPC分类号： G06Q20/3223 , G06Q20/108 , G06Q20/3221
摘要： Embodiments of the invention include systems, methods, and computer-program products for provide a user with a central location that links one or more of the user's financial accounts into a single location for viewing and transacting with any of the one or more financial accounts. As such, the invention provides a facilitated access to one or more user financial accounts from any or all financial institutions consolidated into one source. Embodiments of the present invention provide a system for financial account linkage. Specifically, embodiments of the invention allow for monitoring, viewing, transacting, and transferring funds associated with any of the financial accounts of a user. The financial account monitoring program may be provided to a user via his/her mobile device in an interactive account monitoring/transaction fashion.
摘要翻译： 本发明的实施例包括系统，方法和计算机程序产品，用于向用户提供将一个或多个用户的财务账户链接到单个位置的中心位置，以便与一个或多个财务账户中的任何一个进行查看和交易。 因此，本发明提供了从合并成一个来源的任何或所有金融机构便利地访问一个或多个用户金融账户。 本发明的实施例提供了一种用于金融账户联动的系统。 具体地，本发明的实施例允许监视，查看，交易和转移与用户的任何财务帐户相关联的资金。 金融账户监控程序可以通过他/她的移动设备以交互式账户监控/交易方式提供给用户。
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