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    DEPOSIT TRANSACTION-LEVEL INFORMATION
    2.
    发明申请
    DEPOSIT TRANSACTION-LEVEL INFORMATION 审中-公开
    存款交易级信息

    公开(公告)号：US20120078786A1

    公开(公告)日：2012-03-29

    申请号：US12890362

    申请日：2010-09-24

    申请人： Jennifer Kendrick Anthony ,  Brent Beecher Allen ,  Cynthia Dawn Washington Gilley ,  Andrew William Lester ,  Sheri Marie Tindall ,  Stephen Joseph Brunhuber ,  Joyce Jacobson Reinhart

    发明人： Jennifer Kendrick Anthony ,  Brent Beecher Allen ,  Cynthia Dawn Washington Gilley ,  Andrew William Lester ,  Sheri Marie Tindall ,  Stephen Joseph Brunhuber ,  Joyce Jacobson Reinhart

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/108

    摘要： Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit transaction, where the deposit transaction involves a deposit account, and where the deposit transaction includes a total deposit amount; (b) determining, based at least partially on the information associated with the deposit transaction, that a first amount of the total deposit amount is immediately available; (c) determining, based at least partially on the information associated with the deposit transaction, that a second amount of the total deposit amount is not immediately available, (d) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the first amount is immediately available; and (e) posting second information to the online banking account, where the second information indicates that the second amount is not immediately available.

    摘要翻译： 本发明的一些实施例提供了一种方法，其包括：（a）接收与存款交易相关联的信息，其中存款交易涉及存款帐户，并且存款交易包括总存款金额; （b）至少部分地确定与存款交易相关的信息，即可以立即获得总存款金额的第一笔金额; （c）至少部分地基于与存款交易相关的信息确定第二数额的总存款金额不能立即获得，（d）将第一信息发布到网上银行账户，其中网上银行帐户是 与存款帐户相关联，并且第一个信息指示第一个数量立即可用; 和（e）将第二信息发布到网上银行账户，其中第二信息指示第二数量不能立即获得。

    AVAILABLE BALANCE ENHANCEMENT
    3.
    发明申请
    AVAILABLE BALANCE ENHANCEMENT 审中-公开
    可用的平衡增强

    公开(公告)号：US20120078784A1

    公开(公告)日：2012-03-29

    申请号：US12890352

    申请日：2010-09-24

    申请人： Jennifer Kendrick Anthony ,  Brent Beecher Allen ,  Cynthia Dawn Washington Gilley ,  Andrew William Lester ,  Sheri Marie Tindall ,  Stephen Joseph Brunhuber ,  Joyce Jacobson Reinhart

    发明人： Jennifer Kendrick Anthony ,  Brent Beecher Allen ,  Cynthia Dawn Washington Gilley ,  Andrew William Lester ,  Sheri Marie Tindall ,  Stephen Joseph Brunhuber ,  Joyce Jacobson Reinhart

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/108

    摘要： In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking account, where the second information indicates that the available balance is not based on the second transaction.

    摘要翻译： 在本发明的一些实施例中，提供了一种方法，其包括：（a）接收与第一交易相关联的信息，其中第一交易涉及存款账户; （b）接收与第二交易有关的信息，其中第二交易涉及存款账户; （c）至少部分地基于与第一交易相关联的信息来确定与存款帐户相关联的可用余额至少部分地基于第一交易; （d）至少部分地基于与第二交易相关联的信息来确定可用余额不是基于第二交易; （e）将第一信息发布到网上银行帐户，网上银行帐户与存款帐户相关联，以及第一信息指示可用余额至少部分地基于第一交易; 和（f）将第二信息发布到网上银行账户，其中第二信息指示可用余额不是基于第二交易。