公开(公告)号：US20130046702A1

公开(公告)日：2013-02-21

申请号：US13209740

申请日：2011-08-15

申请人： Erik S. Ross ,  Christopher M. Adams ,  Katherine K. Dintenfass ,  Carrie A. Hanson ,  Alicia C. Jones ,  Jason Typrin

发明人： Erik S. Ross ,  Christopher M. Adams ,  Katherine K. Dintenfass ,  Carrie A. Hanson ,  Alicia C. Jones ,  Jason Typrin

IPC分类号： G06Q99/00 ,  G06Q40/00

CPC分类号： G06Q30/0207 ,  G06Q30/0201 ,  G06Q40/02 ,  G06Q40/06 ,  G06Q50/01

摘要： Financial activities may be performed in a social networking environment. To perform the financial activities, a first message is received to create a first financial goal associated with a user. The first message comprises the first financial goal and a reward for achieving the first financial goal. The first financial goal is available for display in a social networking environment associated with the user. A processor creates the first financial goal associated with the user and stores the first financial goal. The status of the first financial goal is monitored. Information associated with the first financial goal is received from a data source, and the processor updates the status of the first financial goal according to the received information.

摘要翻译： 财务活动可能在社交网络环境中进行。 为了执行财务活动，接收到第一消息以创建与用户相关联的第一财务目标。 第一个信息包括第一个财务目标和实现第一个财务目标的奖励。 第一个财务目标可用于与用户相关联的社交网络环境中显示。 处理器创建与用户相关联的第一个财务目标并存储第一个财务目标。 监督第一个财务目标的状况。 从数据源接收与第一财务目标相关联的信息，并且处理器根据接收到的信息来更新第一财务目标的状态。

公开(公告)号：US20130054455A1

公开(公告)日：2013-02-28

申请号：US13221166

申请日：2011-08-30

申请人： Carrie Anne Hanson ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow ,  Christopher M. Adams ,  Jason Typrin ,  Erik S. Ross ,  Jacqueline A. Corr ,  Deshaun G. Hunter ,  Susan S. Thomas

发明人： Carrie Anne Hanson ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow ,  Christopher M. Adams ,  Jason Typrin ,  Erik S. Ross ,  Jacqueline A. Corr ,  Deshaun G. Hunter ,  Susan S. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary, the account being identifiable by an account number, comprises a management module, a contributor module, and an allocation module. The management module is operable to register a plurality of contributors. The contributor module is operable to receive information identifying a first contributor, determine whether the first contributor is one of the plurality of registered contributors, and if the first contributor is a registered contributor, receive, from the first contributor, a deposit of funds, the deposit comprising a first set of funds associated by the first contributor for deposit into the account without identifying the account by the account number. The allocation module operable to deposit the first set of funds into the account without informing the first contributor of the account number.

摘要翻译： 根据一些实施例，一种用于将资金接收到为帐户受益人持有的账户的存款系统，该帐户可由帐号识别，包括管理模块，贡献者模块和分配模块。 管理模块可操作以注册多个贡献者。 贡献者模块可操作地接收识别第一贡献者的信息，确定第一贡献者是否是多个注册贡献者中的一个，并且如果第一贡献者是注册贡献者，则从第一贡献者接收资金存款， 存款包括由第一供稿人相关的第一组资金存入帐户，而不用帐号识别帐户。 所述分配模块可操作以将所述第一组资金存入所述账户而不通知所述第一贡献者账号。

公开(公告)号：US20130054456A1

公开(公告)日：2013-02-28

申请号：US13221281

申请日：2011-08-30

申请人： Carrie Anne Hanson ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow ,  Christopher M. Adams ,  Jason Typrin ,  Erik S. Ross ,  Jacqueline A. Corr ,  Deshaun G. Hunter ,  Susan S. Thomas

发明人： Carrie Anne Hanson ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow ,  Christopher M. Adams ,  Jason Typrin ,  Erik S. Ross ,  Jacqueline A. Corr ,  Deshaun G. Hunter ,  Susan S. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an achievement manager. The management module is operable to associate each account category of the plurality of account categories associated with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive a confirmation to deposit funds in at least one of the account categories upon accomplishment of an achievement by the account beneficiary. The achievement manager is operable to receive notification of the accomplishment of the achievement and instruct the contributor module to transfer the confirmed funds to the at least one of the account categories.

摘要翻译： 根据一些实施例，用于在为帐户受益人保持的多个帐户类别中分配存放资金的存款系统包括管理模块，贡献者模块和成就管理器。 管理模块可操作地将与特定目的相关联的多个帐户类别的每个帐户类别相关联，每个目的限制其相关帐户类别中的资金的使用。 贡献者模块可操作地在由帐户受益人完成成就时接收到在至少一个账户类别中存入资金的确认。 成就经理可操作地接收完成成就的通知，并指示贡献者模块将确认的资金转移到至少一个账户类别。

公开(公告)号：US20130054460A1

公开(公告)日：2013-02-28

申请号：US13221049

申请日：2011-08-30

申请人： Carrie Anne Hanson ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow ,  Christopher M. Adams ,  Jason Typrin ,  Erik S. Ross ,  Jacqueline A. Corr ,  Deshaun G. Hunter ,  Susan S. Thomas

发明人： Carrie Anne Hanson ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow ,  Christopher M. Adams ,  Jason Typrin ,  Erik S. Ross ,  Jacqueline A. Corr ,  Deshaun G. Hunter ,  Susan S. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an allocation module. The management module is operable to associate each account category of the plurality of account categories with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive, from a contributor, a deposit of funds, the deposit comprising a first set of funds associated by the contributor with a first purpose and a second set of funds associated by the contributor with a second purpose. The allocation module operable to deposit the first set of funds into the account category associated with the first purpose and deposit the second set of funds into the account category associated with the second purpose.

摘要翻译： 根据一些实施例，用于在为帐户受益人保持的多个帐户类别中分配存入资金的存款系统包括管理模块，贡献者模块和分配模块。 管理模块可操作地将多个帐户类别的每个帐户类别与特定目的相关联，每个目的限制其相关帐户类别中的资金的使用。 投稿者模块可操作地从投稿人接收资金存款，存款包括由投稿人相关联的第一组资金与第二目的的第一目的和由投稿人相关联的第二组资金。 分配模块可操作以将第一组资金存入与第一目的相关联的账户类别中，并将第二组资金存入与第二目的相关联的账户类别中。

公开(公告)号：US20130054453A1

公开(公告)日：2013-02-28

申请号：US13221308

申请日：2011-08-30

申请人： Carrie Anne Hanson ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow ,  Christopher M. Adams ,  Jason Typrin ,  Erik S. Ross ,  Jacqueline A. Corr ,  Deshaun G. Hunter ,  Susan S. Thomas

发明人： Carrie Anne Hanson ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow ,  Christopher M. Adams ,  Jason Typrin ,  Erik S. Ross ,  Jacqueline A. Corr ,  Deshaun G. Hunter ,  Susan S. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary comprises a spending tracker, a reimbursement module, a contributor module, and an allocation module. The spending tracker is operable to determine an amount of a withdrawal from the account. The reimbursement module is operable to request an amount of funds from a contributor, the amount of the request associated with the amount of the withdrawal. The contributor module operable to receive the funds from the contributor. The allocation module operable to deposit the funds into the account held for the account beneficiary.

摘要翻译： 根据一些实施例，用于将资金接收到为帐户受益人持有的账户的存款系统包括支出跟踪器，报销模块，贡献者模块和分配模块。 消费跟踪器可操作地确定从账户中提取的金额。 报销模块可操作地从贡献者请求一定数量的资金，与撤回金额相关联的请求金额。 贡献者模块可操作以从贡献者接收资金。 分配模块可用于将资金存入为帐户受益人持有的账户。

公开(公告)号：US20130054436A1

公开(公告)日：2013-02-28

申请号：US13221536

申请日：2011-08-30

申请人： Carrie Anne Hanson ,  Christopher M. Adams ,  Jason Typrin ,  Erik Stephen Ross ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow

发明人： Carrie Anne Hanson ,  Christopher M. Adams ,  Jason Typrin ,  Erik Stephen Ross ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with a first type of account held by an account holder; and one or more event triggers linked to the account. The processor is operable to receive event information associated with the account, the event information indicating that an event associated with the account has occurred. The processor determines that the event that occurred comprises one or more of the event triggers linked to the account. The processor initiates the activation of a second type of account held by the account holder in response to determining that the event that occurred comprises one or more of the event triggers linked to the account and based at least in part upon the account information associated with the first type of account held by the account holder.

摘要翻译： 根据一些实施例，帐户管理系统包括耦合到存储器的处理器。 存储器可操作地存储与由帐户持有者持有的第一类型的帐户相关联的帐户信息; 以及与该帐户相关联的一个或多个事件触发器。 所述处理器可操作以接收与所述帐户相关联的事件信息，所述事件信息指示与所述帐户相关联的事件已经发生。 处理器确定发生的事件包括链接到该帐户的一个或多个事件触发器。 响应于确定发生的事件包括与该帐户相关联的事件触发器中的一个或多个，并且至少部分地基于与该帐户相关联的帐户信息，处理器启动由帐户持有者持有的第二类型的帐户的激活。 账户持有人持有的第一类账户。

公开(公告)号：US20130054449A1

公开(公告)日：2013-02-28

申请号：US13221404

申请日：2011-08-30

申请人： Carrie Anne Hanson ,  Christopher M. Adams ,  Jason Typrin ,  Erik Stephen Ross ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow

发明人： Carrie Anne Hanson ,  Christopher M. Adams ,  Jason Typrin ,  Erik Stephen Ross ,  Brad J. Kirchenbaum ,  Kimberly B. Summerrow

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with an account. The processor is operable to communicate to a potential contributor a link to a webpage, wherein the webpage comprises account information identifying the account and request information identifying an amount of a funds request, the beneficiary of the account, and a purpose for the funds request. The processor is operable to receive a response to the funds request indicating an outcome of the funds request and manage the account based on the outcome of the funds request.

摘要翻译： 根据一些实施例，帐户管理系统包括耦合到存储器的处理器。 存储器可操作地存储与帐户相关联的帐户信息。 所述处理器可操作以向潜在贡献者传达到网页的链接，其中所述网页包括识别所述帐户的帐户信息和标识资金请求的数量的请求信息，所述帐户的受益人以及所述资金请求的目的。 处理器可操作地接收对资金请求的响应，指示资金请求的结果，并且基于资金请求的结果来管理账户。

公开(公告)号：US20130060691A1

公开(公告)日：2013-03-07

申请号：US13223445

申请日：2011-09-01

申请人： Jason Typrin ,  Erik Stephen Ross

发明人： Jason Typrin ,  Erik Stephen Ross

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request for a transaction from a primary user of a financial account. The processor(s) determine rules associated with the primary user. The rules indicate whether an administrator has authorized the primary user to make the transaction, and at least one of the rules includes comparing a location associated with the request to one or more approved locations from which the primary user is authorized to make the transaction. The processor(s) process the transaction according to the rules.

摘要翻译： 根据一些实施例，系统包括接口和一个或多个处理器。 该界面从财务帐户的主要用户接收到一笔交易请求。 处理器确定与主用户相关联的规则。 规则指示管理员是否授权主用户进行交易，并且至少一个规则包括将与请求相关联的位置与主用户授权进行交易的一个或多个批准位置进行比较。 处理器根据规则处理事务。

公开(公告)号：US08458095B2

公开(公告)日：2013-06-04

申请号：US13223445

申请日：2011-09-01

申请人： Jason Typrin ,  Erik Stephen Ross

发明人： Jason Typrin ,  Erik Stephen Ross

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request for a transaction from a primary user of a financial account. The processor(s) determine rules associated with the primary user. The rules indicate whether an administrator has authorized the primary user to make the transaction, and at least one of the rules includes comparing a location associated with the request to one or more approved locations from which the primary user is authorized to make the transaction. The processor(s) process the transaction according to the rules.

摘要翻译： 根据一些实施例，系统包括接口和一个或多个处理器。 该界面从财务帐户的主要用户接收到一笔交易请求。 处理器确定与主用户相关联的规则。 规则指示管理员是否授权主用户进行交易，并且至少一个规则包括将与请求相关联的位置与主用户授权进行交易的一个或多个批准位置进行比较。 处理器根据规则处理事务。

公开(公告)号：US20130060692A1

公开(公告)日：2013-03-07

申请号：US13223495

申请日：2011-09-01

申请人： Jason Typrin ,  Chris Adams ,  Brad J. Kirchenbaum

发明人： Jason Typrin ,  Chris Adams ,  Brad J. Kirchenbaum

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request for a transaction from a user of a financial account. The processor(s) determine, based on a user identifier, whether the user corresponds to an administrator, a primary user, or a contributor. The administrator is authorized to configure rules for the financial account and to conduct deposit transactions, withdrawal transactions, and view transactions. The primary user is authorized to conduct at least one of the following types of transactions according to the rules: the deposit transactions, the withdrawal transaction, and the view transactions. The contributor is authorized to conduct at least one of the following types of transactions according to the rules: the deposit transactions and the view transactions. The processor(s) process the transaction according to the rules associated with the user requesting the transaction.

摘要翻译： 根据一些实施例，系统包括接口和一个或多个处理器。 该界面从财务帐户的用户接收一个交易的请求。 处理器基于用户标识来确定用户是否对应于管理员，主用户或贡献者。 管理员有权配置财务帐户的规则，进行存款交易，提款交易和查看交易。 主要用户有权根据规则执行以下交易类型中的至少一种：存款交易，提款交易和视图交易。 授权人有权根据规则进行以下交易中的至少一种：存款交易和视图交易。 处理器根据与请求事务的用户相关联的规则处理事务。