公开(公告)号：US20100268629A1

公开(公告)日：2010-10-21

申请号：US12426403

申请日：2009-04-20

申请人： Erik S. Ross ,  Hans D. Schumacher ,  Dan Ariely ,  Sean M. Jones ,  Ray Garcia ,  Kathleen L. Dooley

发明人： Erik S. Ross ,  Hans D. Schumacher ,  Dan Ariely ,  Sean M. Jones ,  Ray Garcia ,  Kathleen L. Dooley

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q10/10

摘要： Apparatus and methods for supporting a budgeting process are provided. A method according to the invention may include operating an electronic information processing platform to receive an electronic confirmation of one of a purchase, a savings transaction, and an investment transaction. The method may further include performing a reevaluation of a future savings goal in response to the confirmation. The method may also include performing one of the following in response to the reevaluation: 1) presenting an alternative to the future savings goal and 2) auto-executing a process. The auto-executing may be based on pre-determined rules.

摘要翻译： 提供了用于支持预算过程的装置和方法。 根据本发明的方法可以包括操作电子信息处理平台以接收购买，储蓄交易和投资交易之一的电子确认。 该方法还可以包括响应于该确认来执行对未来储蓄目标的重新评估。 该方法还可以包括响应于重新评估来执行以下之一：1）提供对未来储蓄目标的替代方案，以及2）自动执行过程。 自动执行可以基于预先确定的规则。

公开(公告)号：US20090327308A1

公开(公告)日：2009-12-31

申请号：US12244058

申请日：2008-10-02

申请人： Samuel J. Carter ,  Kwan H. Lee ,  Dawei Shen ,  Hans Shumacher ,  Ray Garcia ,  Erik S. Ross

发明人： Samuel J. Carter ,  Kwan H. Lee ,  Dawei Shen ,  Hans Shumacher ,  Ray Garcia ,  Erik S. Ross

IPC分类号： G06F17/30

CPC分类号： G06Q30/02

摘要： Systems and methods for providing a consumption network are provided. A method according to the invention may include receiving purchase information on a mobile device and recording the purchasing information. The information may be transmitted to a central database. At the central database, the information may be recorded and transmitted from the central database to a pre-determined group of users. Alternatively, the information may be transmitted to a group of users directly from the mobile phone associated with the purchasing.

摘要翻译： 提供了提供消费网络的系统和方法。 根据本发明的方法可以包括在移动设备上接收购买信息并记录购买信息。 信息可以传送到中央数据库。 在中央数据库中，可以将信息记录并从中央数据库传送到预定的用户组。 或者，可以从与购买相关联的移动电话直接地向一组用户发送信息。

公开(公告)号：US08161325B2

公开(公告)日：2012-04-17

申请号：US12790097

申请日：2010-05-28

申请人： Matthew Alexander Calman ,  Earl Wagner ,  Erik S. Ross ,  Srinivas Darga ,  Patrick Kelly

发明人： Matthew Alexander Calman ,  Earl Wagner ,  Erik S. Ross ,  Srinivas Darga ,  Patrick Kelly

IPC分类号： G06F11/00

CPC分类号： G06F11/079

摘要： The disclosure generally relates to knowledge retrieval using a knowledgebase storing general and/or expert knowledge. In particular, the disclosure relates to using complex retrieval techniques to implement an enhanced troubleshooting system that provides relevant information. Aspects of the disclosure retrieve relevant documents to assist in troubleshooting by reasoning with stored representations about the faulty system and its operating environment. After receiving a description of the symptoms and/or other information related to the problem, the system may recommend textual and/or non-textual documents with relevant information for identifying the cause of the problem and restoring operation.

摘要翻译： 本公开通常涉及使用存储一般和/或专家知识的知识库的知识检索。 特别地，本公开涉及使用复杂检索技术来实现提供相关信息的增强故障排除系统。 本公开的方面检索相关文件，以通过对存在的故障系统及其操作环境的陈述进行推理来帮助排除故障。 在收到与问题相关的症状和/或其他信息的描述之后，系统可以推荐具有用于识别问题原因和恢复操作的相关信息的文本和/或非文本文档。

公开(公告)号：US20120078781A1

公开(公告)日：2012-03-29

申请号：US12890875

申请日：2010-09-27

申请人： Erik S. Ross ,  Susan S. Thomas

发明人： Erik S. Ross ,  Susan S. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q20/102 ,  G06Q30/04 ,  G06Q40/02

摘要： A system and method of automatically setting up bill-pay transactions between a customer of a financial institution and a bill-pay client is presented. The system and method may include identifying, by a bill-pay system associated with the financial institution, one or more customers eligible for automatic bill-pay set up and one or more bill-pay clients. Upon acceptance of an offer to the customer to automatically setup bill-pay, bill-pay transaction data may be received at a bill-pay system and may be used to set up one or more bill-pay transactions between the customer and the bill-pay client.

摘要翻译： 提出了一种在金融机构的客户和付款客户端之间自动设置帐单交易交易的系统和方法。 系统和方法可以包括通过与金融机构相关联的账单支付系统来识别符合自动账单支付设置的一个或多个客户和一个或多个账单支付客户端。 在接受向客户提供的报价以自动设置票据支付时，可以在票据支付系统处接收票据交易数据，并且可以用于在客户和账单支付交易之间建立一个或多个账单交易交易， 支付客户

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：US20120078780A1

公开(公告)日：2012-03-29

申请号：US12892882

申请日：2010-09-28

申请人： Erik S. Ross ,  Alexander Azariy Shenkar ,  Yolandis Speed ,  Darren Paul Stillwell ,  Mei-Ling In Johnson ,  Susan S. Thomas

发明人： Erik S. Ross ,  Alexander Azariy Shenkar ,  Yolandis Speed ,  Darren Paul Stillwell ,  Mei-Ling In Johnson ,  Susan S. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q40/02

摘要： A method of transactional savings is described. First and second portions of a total amount associated with a transaction may be identified. The first portion and the second portion may be different monetary funds of the total amount of monetary funds. A first account of a customer associated with an entity may be determined, and an amount of debt of monetary funds of the first account may be determined. The first portion of the total amount of monetary funds may be applied against the amount of debt of the first account, and the second portion may be maintained in a second account of the customer. Occurrence data representative of an occurrence of a triggering event associated with a transactional savings program of the entity may be received, and an amount of the second account to permit access to by the customer may be determined based upon the occurrence data.

摘要翻译： 描述了一种交易储蓄的方法。 可以识别与交易相关联的总金额的第一和第二部分。 第一部分和第二部分可以是货币资金总额的货币资金不同。 可以确定与实体相关联的客户的第一帐户，并且可以确定第一帐户的货币资金的债务量。 货币资金总额的第一部分可以应用于第一个帐户的债务金额，第二部分可以保留在客户的第二个帐户中。 可以接收表示与实体的交易储蓄程序相关联的触发事件的发生的发生数据，并且可以基于发生数据来确定允许客户访问的第二帐户的数量。

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：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：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。