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    OFFSETTING FUTURE OVERAGE FEES
    1.
    发明申请
    OFFSETTING FUTURE OVERAGE FEES 有权
    取消未来超额费用

    公开(公告)号：US20120185389A1

    公开(公告)日：2012-07-19

    申请号：US13006641

    申请日：2011-01-14

    申请人： Erik Stephen Ross ,  Tamara S. Kingston ,  John Franklin Tuders ,  John Harden Quintiliani

    发明人： Erik Stephen Ross ,  Tamara S. Kingston ,  John Franklin Tuders ,  John Harden Quintiliani

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/06 ,  G06Q20/10 ,  G06Q20/40

    摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future overage fees. For example, in some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future overage fees, where the one or more payments are 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 overage as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an overage fee associated with the overage; 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预付，覆盖，避免，否定和/或以其他方式抵销未来超额费用的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收一个或多个付款以抵消一个或多个未来超额费用，其中所述一个或多个支付与帐户相关联; （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因交易而导致过高现象; （d）确定一项或多项付款足以抵销与超额相关的超额费用; 和（e）至少部分地授权交易，确定一个或多个付款是否足够。

    Service participation acknowledgement system
    2.
    发明授权
    Service participation acknowledgement system 有权
    服务参与确认系统

    公开(公告)号：US09047639B1

    公开(公告)日：2015-06-02

    申请号：US12879866

    申请日：2010-09-10

    申请人： John Harden Quintiliani ,  Brian Thomas Borders ,  Lomney Ann Bryan ,  Paul Ronald DeKoster ,  Doris Maria Garrett ,  Katherine Elizabeth Sutton ,  Tamara S. Kingston ,  John Franklin Tuders ,  Erik Stephen Ross

    发明人： John Harden Quintiliani ,  Brian Thomas Borders ,  Lomney Ann Bryan ,  Paul Ronald DeKoster ,  Doris Maria Garrett ,  Katherine Elizabeth Sutton ,  Tamara S. Kingston ,  John Franklin Tuders ,  Erik Stephen Ross

    IPC分类号： G06Q20/00 ,  G06Q40/00 ,  G06Q40/02

    CPC分类号： G06Q40/02 ,  G06Q40/025

    摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service participation acknowledgment mechanism at 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 a transaction machine and a user of the transaction machine, and where the transaction information identifies an account; (b) determining, based at least partially on the transaction information, that the account will meet a pre-defined condition as a result of the transaction; (c) presenting, via a user interface associated with the transaction machine, information associated with a service to address the condition; (d) prompting, via the user interface, the user to consent to the service; (e) receiving, via the user interface, the user's consent to the service; and (f) presenting, via the user interface, a confirmation message to the user, where the confirmation message includes information that confirms the user's consent to the service.

    摘要翻译： 一般来说，本发明的实施例涉及用于在交易机器处提供服务参与确认机制的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与事务相关联的交易信息，其中交易涉及交易机器和交易机器的用户，以及交易信息识别帐户的地方; （b）至少部分地基于交易信息来确定该账户将由于该交易而满足预定义的条件; （c）经由与所述交易机器相关联的用户界面呈现与服务相关联的信息以解决所述条件; （d）通过用户界面提示用户同意服务; （e）通过用户界面接收用户对该服务的同意; 以及（f）经由用户界面向用户呈现确认消息，其中确认消息包括确认用户同意服务的信息。

    Offsetting future account discrepancy assessments
    3.
    发明授权
    Offsetting future account discrepancy assessments 有权
    抵消未来账户差异评估

    公开(公告)号：US08527414B2

    公开(公告)日：2013-09-03

    申请号：US13006641

    申请日：2011-01-14

    申请人： Erik Stephen Ross ,  Tamara S. Kingston ,  John Franklin Tuders ,  John Harden Quintiliani

    发明人： Erik Stephen Ross ,  Tamara S. Kingston ,  John Franklin Tuders ,  John Harden Quintiliani

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/06 ,  G06Q20/10 ,  G06Q20/40

    摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future account discrepancy assessments. For example, in some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future account discrepancy assessments, where the one or more payments are 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 account discrepancy as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an account discrepancy assessment associated with the account discrepancy; 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预付，覆盖，避免，否定和/或以其他方式抵消未来账户差异评估的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收一个或多个付款以抵消一个或多个未来账户差异评估，其中所述一个或多个支付与账户相关联; （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确定该账户将因交易而导致帐户差异; （d）确定一个或多个付款足以抵销与该账户差异相关的账户差异评估; 和（e）至少部分地授权交易，确定一个或多个付款是否足够。

    FRAUD MESSAGING SERVICE
    7.
    发明申请
    FRAUD MESSAGING SERVICE 审中-公开
    FRAUD消息传递服务

    公开(公告)号：US20130041821A1

    公开(公告)日：2013-02-14

    申请号：US13207025

    申请日：2011-08-10

    申请人： Tamara S. Kingston ,  Elbert Lee Whitler ,  John Franklin Tuders ,  Willard Andrew Barr

    发明人： Tamara S. Kingston ,  Elbert Lee Whitler ,  John Franklin Tuders ,  Willard Andrew Barr

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02

    摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing a fraud messaging service. 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, and where the account is held by an account holder; (b) determining, based at least partially on the transaction information, that the transaction has triggered a fraud rule; (c) prompting, via a mobile device, the holder to consent to the transaction, where the mobile device is associated with the holder, and where the prompting the holder is based at least partially on the determining that the transaction has triggered the fraud rule; (d) receiving the holder's consent to the transaction; 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提供欺诈消息传递服务的方法和装置。 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，其中交易涉及帐户，以及账户由账户持有人持有的位置; （b）至少部分地基于交易信息确定该交易触发了欺诈规则; （c）通过移动设备，通过移动设备促使持有人同意交易，移动设备与持有人相关联，以及在确定该交易触发了欺诈规则的情况下至少部分地提示持有人的基础 ; （d）收到持有人同意交易; （e）至少部分地授权交易获得持有人的同意。

    OVERAGE SERVICE INVOLVING OVERAGE MAGNETIC STRIPE
    9.
    发明申请
    OVERAGE SERVICE INVOLVING OVERAGE MAGNETIC STRIPE 审中-公开
    涉及超大型磁条的超载服务

    公开(公告)号：US20120061464A1

    公开(公告)日：2012-03-15

    申请号：US13101635

    申请日：2011-05-05

    申请人： Tamara S. Kingston ,  Willard Andrew Barr ,  Doris Maria Garrett ,  Mark Allan Nelson ,  Jonathan H. Tucker ,  John Franklin Tuders ,  Elbert Lee Whitler

    发明人： Tamara S. Kingston ,  Willard Andrew Barr ,  Doris Maria Garrett ,  Mark Allan Nelson ,  Jonathan H. Tucker ,  John Franklin Tuders ,  Elbert Lee Whitler

    IPC分类号： G06Q40/00

    CPC分类号： G07F19/203

    摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service involving an overage 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 overage as a result of the transaction; (c) receiving overage swipe information indicating that an overage 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 overage swipe information.

    摘要翻译： 一般来说，本发明的实施例涉及用于提供涉及超额磁条的超额服务的方法和装置。 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因交易而导致超额收益; （c）接收表示信用卡/借记卡的超额磁条在交易机上被刷卡的超额刷卡信息; 和（d）至少部分地授权交易基于接收超量刷卡信息。

    Visual cues for identifying financial accounts
    10.
    发明授权
    Visual cues for identifying financial accounts 有权
    用于识别财务帐户的视觉提示

    公开(公告)号：US08260693B2

    公开(公告)日：2012-09-04

    申请号：US11813826

    申请日：2006-01-12

    申请人： Maura L. Griffin ,  Lee A. Streu ,  Caroline B. Stott ,  Brent B. Allen ,  Colleen M. Buckles ,  Gerald V. Yuille ,  Tamara S. Kingston ,  Deborah M. Winick

    发明人： Maura L. Griffin ,  Lee A. Streu ,  Caroline B. Stott ,  Brent B. Allen ,  Colleen M. Buckles ,  Gerald V. Yuille ,  Tamara S. Kingston ,  Deborah M. Winick

    IPC分类号： G06Q10/00

    CPC分类号： G06Q40/02 ,  G06Q40/12 ,  G06Q40/128 ,  G06Q99/00

    摘要： Visual cues for identifying financial accounts. A distinctive visual cue, such as a specific color, is applied to an account from among a plurality of accounts, such as associated joint and individual checking accounts. The designation can be applied to statements, and optionally also checks, check/ATM cards, and other materials can be identified at a glance. Additionally confidential flag can be applied to an account as part of the designation, to provide extra notice to both personnel and various systems that an individual account is confidential within the associated accounts. A system for assigning distinctive visual cues to accounts can include a customer or account information database for storing plurality of possible distinctive visual cues, and one or more fulfillment subsystems for providing bank statements, checks, deposit slips, check cards, and the like.

    摘要翻译： 用于识别财务帐户的视觉提示。 诸如特定颜色的独特的视觉提示被应用于多个帐户中的帐户，诸如关联的联合和个人支票帐户。 该名称可以应用于语句，并且可选地还可以检查，支票/ ATM卡和其他材料可以一目了然。 另外，机密标志可以作为指定的一部分应用到帐户，以向个人帐户在相关帐户内保密的人员和各种系统提供额外的通知。 用于向帐户分配不同的视觉提示的系统可以包括用于存储多个可能的独特视觉提示的客户或帐户信息数据库，以及用于提供银行对帐单，支票，存单，支票卡等的一个或多个履行子系统。