公开(公告)号：US20150100456A1

公开(公告)日：2015-04-09

申请号：US14509583

申请日：2014-10-08

申请人： Michael E. GLOBE ,  Mazin Al-Samadi ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Michael D. Cummins ,  Prabaharan Sivashanmugam

发明人： Michael E. GLOBE ,  Mazin Al-Samadi ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Michael D. Cummins ,  Prabaharan Sivashanmugam

IPC分类号： G06Q30/06

CPC分类号： G06Q30/0631 ,  G06Q30/0226 ,  G06Q40/06

摘要： The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to receive an identifier of a product prior to a purchase of the product by a user, and determine parameters associated with the product based on the received product identifier. In certain aspects the system may be configured to identify an alternative product associated with at least one of the product parameters and at least one of a plurality of securities associated with the investment portfolio of the user. The system may also be configured to perform a process that causes transmission of information identifying the alternative product for presentation on a device of the user.

摘要翻译： 所公开的实施例包括例如基于投资组合数据向用户提供一个或多个替代产品的推荐的系统和方法。 在一个方面，所公开的实施例可以包括被配置为在用户购买产品之前接收产品的标识符的系统，并且基于接收到的产品标识符来确定与产品相关联的参数。 在某些方面，系统可以被配置为识别与至少一个产品参数和与用户的投资组合相关联的多个证券中的至少一个证券相关联的替代产品。 系统还可以被配置为执行导致标识用于在用户的设备上呈现的替代产品的信息的传输的过程。

公开(公告)号：US20160012419A1

公开(公告)日：2016-01-14

申请号：US14796450

申请日：2015-07-10

申请人： Michael D. Cummins ,  Lauren Van Heerden ,  Prabaharan Sivashanmugam ,  Orin Del Vecchio ,  Gunalan Nadarajah

发明人： Michael D. Cummins ,  Lauren Van Heerden ,  Prabaharan Sivashanmugam ,  Orin Del Vecchio ,  Gunalan Nadarajah

IPC分类号： G06Q20/34 ,  G06Q20/40

CPC分类号： G06Q20/3572 ,  G06Q20/34 ,  G06Q20/354 ,  G06Q20/383

摘要： The disclosed embodiments include methods and systems for validating, funding, activating, and reloading one or more configurable multicards. The disclosed embodiments may include a method that may include obtaining user authentication information relating to a first user associated with an inactivated multicard that is configurable for use for purchases and is configured with a zero multicard account balance amount. The method may include obtaining multicard configuration information including a unique multicard identification information that identifies the inactivated multicard and a first multicard account balance amount for the inactivated multicard. The method may also include validating the inactivated multicard using the unique multicard identification information and associating the inactivated multicard with a multicard account having the first multicard account balance that is funded from a financial account associated with the first user.

摘要翻译： 所公开的实施例包括用于验证，资助，激活和重新加载一个或多个可配置多卡的方法和系统。 所公开的实施例可以包括可以包括获得与可配置用于购买的非激活多卡相关联的第一用户的用户认证信息的方法，并且被配置为零多帐户余额。 该方法可以包括获得多卡配置信息，其包括识别灭活的多卡的唯一多卡识别信息和用于灭活的多卡的第一多卡帐户余额。 该方法还可以包括使用唯一的多卡标识信息来验证灭活的多卡，并将灭活的多卡与具有由与第一用户相关联的金融帐户资助的第一多卡帐户余额的多卡帐户相关联。

公开(公告)号：US20150095216A1

公开(公告)日：2015-04-02

申请号：US14199476

申请日：2014-03-06

申请人： Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Michael D. Cummins ,  Prabaharan Sivashanmugam

发明人： Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Michael D. Cummins ,  Prabaharan Sivashanmugam

IPC分类号： G06Q20/40

CPC分类号： G06Q40/02

摘要： The disclosed embodiments include systems and methods for determining and providing notifications of negative events. The disclosed embodiments include, for example, a computer-implemented method for determining negative events. The method may include collecting, by one or more processors, prior financial transaction information associated with a user. The method may also include determining a transaction pattern associated with the user based on the collected financial transaction information. In another aspect, the method may include determining a negative event reflecting a deviation from the transaction pattern associated with the user, the deviation being a nonoccurrence of an expected financial transaction consistent with the transaction pattern. The method may also include providing a notification identifying the deviation.

摘要翻译： 所公开的实施例包括用于确定和提供否定事件的通知的系统和方法。 所公开的实施例包括例如用于确定负事件的计算机实现的方法。 该方法可以包括由一个或多个处理器收集与用户相关联的先前财务交易信息。 该方法还可以包括基于所收集的金融交易信息来确定与用户相关联的交易模式。 在另一方面，该方法可以包括确定反映与用户相关联的交易模式的偏差的否定事件，所述偏差是与所述交易模式一致的预期金融交易的不发生。 该方法还可以包括提供识别偏差的通知。

公开(公告)号：US10296972B2

公开(公告)日：2019-05-21

申请号：US14585069

申请日：2014-12-29

申请人： Lauren Van Heerden ,  Lawrence Wong ,  Tim Thompson ,  Mike Stephenson ,  Nigel Lall ,  Orin Del Vecchio ,  Gunalan Nadarajah

发明人： Lauren Van Heerden ,  Lawrence Wong ,  Tim Thompson ,  Mike Stephenson ,  Nigel Lall ,  Orin Del Vecchio ,  Gunalan Nadarajah

IPC分类号： G06Q40/00 ,  G06Q40/02 ,  H04L29/08

摘要： The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented via a device component without a user request to receive the status of the first account parameter.

公开(公告)号：US20150193866A1

公开(公告)日：2015-07-09

申请号：US14585069

申请日：2014-12-29

申请人： Lauren Van Heerden ,  Lawrence Wong ,  Tim Thompson ,  Mike Stephenson ,  Nigel Lall ,  Orin Del Vecchio ,  Gunalan Nadarajah

发明人： Lauren Van Heerden ,  Lawrence Wong ,  Tim Thompson ,  Mike Stephenson ,  Nigel Lall ,  Orin Del Vecchio ,  Gunalan Nadarajah

IPC分类号： G06Q40/02 ,  H04L29/08

CPC分类号： G06Q40/02 ,  H04L67/18 ,  H04L67/306

摘要： The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented via a device component without a user request to receive the status of the first account parameter.

摘要翻译： 所公开的实施例包括用于提供帐户状态通知的方法和系统。 所公开的实施例包括例如用于提供帐户状态通知的设备，包括存储软件指令的存储器和被配置为执行软件指令以执行操作的一个或多个处理器。 在一个方面，操作可以包括接收与用户相关联的第一帐户的帐户状态通知信息。 可以基于与第一帐户相关联的一个或多个通知规则和帐户信息来生成帐户状态通知信息。 所述操作还可以包括基于所接收的帐户状态通知信息生成第一帐户状态指示符，其提供与经由设备组件呈现的第一帐户相关联的第一帐户参数的状态，而没有用户请求以接收状态 的第一个帐户参数。