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公开(公告)号：US20220036210A1
公开(公告)日：2022-02-03
申请号：US16941858
申请日：2020-07-29
摘要： Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.
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2.发明授权公开(公告)号：US09508076B2
公开(公告)日：2016-11-29
申请号：US13840586
申请日：2013-03-15
发明人： Tamara S. Kingston , Willard Andrew Barr , Doris Maria Garrett , Mark Allan Nelson , Jonathan H. Tucker , John Franklin Tuders , Elbert Lee Whitler , Paul Ronald DeKoster
CPC分类号： G06Q20/405 , G06Q20/20 , G06Q20/3278 , G06Q20/40 , G06Q20/4012 , G06Q30/06 , G06Q40/02
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit 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; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit.
摘要翻译： 一般来说，本发明的实施例涉及用于使用不可用资金或贷方的帐户的密码为不可用资金或信用提供帐户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）接收与交易相关的交易信息，交易涉及账户; （b）至少部分地基于交易信息确定该交易的结果将超出可用资金或信用额度; （c）接收与帐户无关的资金或信用卡的帐户密码; 以及（d）至少部分地授权交易，即接收不具备资金或信贷的账户密码。
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公开(公告)号：US20140358799A1
公开(公告)日：2014-12-04
申请号：US13907269
申请日：2013-05-31
IPC分类号： G06Q30/00
CPC分类号： G06Q30/016
摘要： Embodiments of the invention are directed to systems, methods and computer program products for providing alert packages. An exemplary apparatus is configured to: provide a user with an option to enroll into an alert packaging service; receive the users acceptance of enrollment in the alert packaging service, wherein enrollment in the alert packaging service comprises the user agreeing to receive one or more alert packages; receive user information associated with the user's account; and bundle one or more alerts into an alert package based at least partially on the received user information.
摘要翻译： 本发明的实施例涉及用于提供警报包的系统，方法和计算机程序产品。 示例性装置被配置为：向用户提供注册到警报包装服务中的选项; 接收所述用户接受所述警报包装服务中的注册，其中所述警报包装服务中的注册包括所述用户同意接收一个或多个警报包; 接收与用户帐户相关联的用户信息; 并且至少部分地基于所接收的用户信息将一个或多个警报捆绑到警报包中。
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公开(公告)号：US20140164222A1
公开(公告)日：2014-06-12
申请号：US13712478
申请日：2012-12-12
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： A method includes receiving a message associated with a savings goal of a user, the message specifying an amount of money the user desires to contribute to the savings goal. The method further includes generating a savings memorandum associated with the savings goal that is stored in association with the savings goal and displaying the savings memorandum to the user along with a selectable option allowing the user accept, decline, or modify the savings memorandum. The method further includes initiating the transfer of the amount of money from a first account of the user to a second account of the user in response to a user selection to accept the savings memorandum, the second account being associated with the savings goal.
摘要翻译： 一种方法包括接收与用户的储蓄目标相关联的消息，该消息指定用户期望为节约目标贡献的金额。 该方法还包括产生与节省目标相关联的节省备忘录，其与节省目标相关联地存储并且向用户显示节省备忘录以及允许用户接受，拒绝或修改储蓄备忘录的可选择选项。 该方法还包括响应于用户选择接受节省备忘录，启动从用户的第一帐户到第二帐户的金额的转移，第二帐户与节省目标相关联。
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公开(公告)号：US12001970B2
公开(公告)日：2024-06-04
申请号：US18373560
申请日：2023-09-27
IPC分类号： G06Q30/02 , G06N3/006 , G06N5/04 , G06N20/00 , G06Q30/0201 , G06Q30/0203 , G06Q30/0601 , G06Q30/08 , G06Q30/016 , G06Q40/03
CPC分类号： G06N5/04 , G06N3/006 , G06N20/00 , G06Q30/0201 , G06Q30/0203 , G06Q30/0631 , G06Q30/08 , G06Q30/016 , G06Q40/03
摘要： Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.
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公开(公告)号：US11816726B2
公开(公告)日：2023-11-14
申请号：US16941710
申请日：2020-07-29
CPC分类号： G06Q40/03 , G06N5/043 , G06N20/00 , G06Q20/22 , G06Q20/405 , G06Q20/4016
摘要： Aspects of the disclosure relate to machine learning based automated management of a user account. A computing platform may determine, via a computing device and based on historical user activity of a user, a pattern of the user activity. Subsequently, the computing platform may detect a deviation from the pattern of the user activity. Then, the computing platform may identify an anticipated transaction of the user. Then, the computing platform may retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction. Then, the computing platform may determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction. Subsequently, the computing platform may trigger, based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.
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公开(公告)号：US11810005B2
公开(公告)日：2023-11-07
申请号：US16941858
申请日：2020-07-29
IPC分类号： G06Q30/02 , G06N5/04 , G06N20/00 , G06N3/006 , G06Q30/08 , G06Q30/0203 , G06Q30/0601 , G06Q30/0201 , G06Q30/016 , G06Q40/03
CPC分类号： G06N5/04 , G06N3/006 , G06N20/00 , G06Q30/0201 , G06Q30/0203 , G06Q30/0631 , G06Q30/08 , G06Q30/016 , G06Q40/03
摘要： Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.
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8.发明授权公开(公告)号：US09047640B2
公开(公告)日：2015-06-02
申请号：US13840631
申请日：2013-03-15
发明人： Tamara S. Kingston , Willard Andrew Barr , Doris Maria Garrett , Mark Allan Nelson , Jonathan H. Tucker , John Franklin Tuders , Elbert Lee Whitler , Paul Ronald DeKoster
CPC分类号： G06Q40/02 , G06Q20/023 , G06Q20/20 , G06Q20/3278 , G06Q20/40 , G06Q20/4012 , G06Q30/06
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information.
摘要翻译： 一般来说，本发明的实施例涉及提供超过可用资金或信用服务的帐户的方法和装置，其涉及超过可用资金或信用磁条的账户。 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，其中所述交易涉及交易机器和帐户，并且所述帐户与信用卡/借记卡相关联; （b）至少部分地基于交易信息来确定该账户将由于交易而产生超出可用资金或信用的账户; （c）接收超过可用资金或信用刷卡信息，指示信用卡/借记卡的可用资金或信用磁条的帐户在交易机器上被刷卡; 以及（d）至少部分地授权交易，以接收超出可用资金或信用刷卡信息的账户。
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公开(公告)号：US20130212023A1
公开(公告)日：2013-08-15
申请号：US13841589
申请日：2013-03-15
IPC分类号： G06Q20/28
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for offsetting future exceeded account threshold payments. In some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future exceeded account threshold payments associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an exceeded account threshold as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an exceeded account threshold payment associated with the exceeded account threshold; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient.
摘要翻译： 一般来说，本发明的实施例涉及用于抵消未来超过帐户门槛支付的方法和装置。 在一些实施例中，提供了一种方法，其包括：（a）接收一个或多个付款以抵消与帐户相关联的一个或多个未来超出账户阈值支付; （b）接收与交易相关的交易信息，交易涉及账户，以及在收到一个或多个付款之后发起交易的地点; （c）至少部分地基于交易信息来确定该账户将由于该交易而产生超出的账户门槛值; （d）确定所述一个或多个付款足以抵销与所述超出账户阈值相关联的超出账户阈值支付; 和（e）至少部分地授权交易，确定一个或多个付款是否足够。
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10.发明公开公开(公告)号：US20240020554A1
公开(公告)日：2024-01-18
申请号：US18373560
申请日：2023-09-27
IPC分类号： G06N5/04 , G06N20/00 , G06N3/006 , G06Q30/08 , G06Q30/0203 , G06Q30/0601 , G06Q30/0201
CPC分类号： G06N5/04 , G06N20/00 , G06N3/006 , G06Q30/08 , G06Q30/0203 , G06Q30/0631 , G06Q30/0201 , G06Q30/016
摘要： Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.
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