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公开(公告)号：US20110313918A1
公开(公告)日：2011-12-22
申请号：US12818964
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q20/14 , G06F17/30011 , G06K9/18 , G06K9/325 , G06Q20/102 , G06Q20/22 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q20/387 , G06Q30/0207 , G06Q40/00
摘要： Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon.
摘要翻译： 本发明的实施例可以提供用于处理支付券图像的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，至少部分地基于由图像显示的信息，至少基于图像提取数据来确定与支付优惠券相关联的帐单者的身份 部分地是与指示付款券的布局的帐单相关联的支付券元数据。 该方法可以进一步包括执行以下至少之一：（a）至少部分地基于从图像中提取的数据来处理与支付券相关联的支付给帐单者; （b）将付款人添加到与付款优惠券相关的付款人的帐单列表中; 或（c）激活账单作为与支付券相关联的付款人的电子账单。
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公开(公告)号：US08635155B2
公开(公告)日：2014-01-21
申请号：US12818964
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q20/14 , G06F17/30011 , G06K9/18 , G06K9/325 , G06Q20/102 , G06Q20/22 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q20/387 , G06Q30/0207 , G06Q40/00
摘要： Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon.
摘要翻译： 本发明的实施例可以提供用于处理支付券图像的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，至少部分地基于由图像显示的信息，至少基于图像提取数据来确定与支付优惠券相关联的帐单者的身份 部分地是与指示付款券的布局的帐单相关联的支付券元数据。 该方法可以进一步包括执行以下至少之一：（a）至少部分地基于从图像中提取的数据来处理与支付券相关联的支付给发件人; （b）将付款人添加到与付款优惠券相关的付款人的帐单列表中; 或（c）激活账单作为与支付券相关联的付款人的电子账单。
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3.发明授权公开(公告)号：US08543501B2
公开(公告)日：2013-09-24
申请号：US12818961
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q40/00 , G06K9/325 , G06K2209/01 , G06Q20/102 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q30/0207
摘要： Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller.
摘要翻译： 本发明的实施例可以提供用于捕获和处理支付券信息的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，并从图像中确定与付款优惠券相关联的帐单者的身份。 然后可以确定没有与付款者相关联地存储用于从支付券获得一个或多个字段的支付优惠券元数据。 该方法然后可以包括请求表示图像内的一个或多个字段的至少近似大小或近似位置的一个或多个字段指示符的相应集合。 一旦接收到，图像中的字段的字段指示符被存储为与发件人关联的支付优惠券元数据。
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4.发明申请公开(公告)号：US20110313917A1
公开(公告)日：2011-12-22
申请号：US12818961
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q40/00 , G06K9/325 , G06K2209/01 , G06Q20/102 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q30/0207
摘要： Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller.
摘要翻译： 本发明的实施例可以提供用于捕获和处理支付券信息的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，并从图像中确定与付款优惠券相关联的帐单者的身份。 然后可以确定没有与付款者相关联地存储用于从支付券获得一个或多个字段的支付优惠券元数据。 该方法然后可以包括请求表示图像内的一个或多个字段的至少近似大小或近似位置的一个或多个字段指示符的相应集合。 一旦接收到，图像中的字段的字段指示符被存储为与发件人关联的支付优惠券元数据。
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公开(公告)号：US20120150736A1
公开(公告)日：2012-06-14
申请号：US12967434
申请日：2010-12-14
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06Q20/405 , G06Q40/02
摘要： Systems and methods for generating proposed budget amounts by a budget tool are provided. A budget system identifies a budget category for a user. Information associated with one or more payees of the user and payment history information associated with one or more payments made to a payee included in the one or more payees is obtained from a bill payment system. Based at least in part on the obtained information, the payee is identified by the budget system as a budget payee associated with the budget category. Based at least in part on the identified payment history information, a proposed budget amount for the budget payee is calculated. A presentation is generated that includes an indication of the budget category, an indication of the budget payee, and an indication of the proposed budget amount. The generated presentation is transmitted by the budget system for display to the user.
摘要翻译： 提供了通过预算工具产生拟议预算金额的制度和方法。 预算系统识别用户的预算类别。 从账单支付系统获得与用户的一个或多个收款人相关联的信息和与一个或多个收款人中包括的收款人所做的一个或多个付款相关联的付款履历信息。 至少部分地基于所获得的信息，收款人由预算系统识别为与预算类别相关联的预算收款人。 至少部分地基于所识别的支付历史信息，计算预算收款人的拟议预算金额。 产生一个介绍，其中包括预算类别的指示，预算收款人的指示，以及拟议预算金额的指示。 生成的演示文稿由预算系统发送给用户进行显示。
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公开(公告)号：US10719818B2
公开(公告)日：2020-07-21
申请号：US12967434
申请日：2010-12-14
摘要： Systems and methods for generating proposed budget amounts by a budget tool are provided. A budget system identifies a budget category for a user. Information associated with one or more payees of the user and payment history information associated with one or more payments made to a payee included in the one or more payees is obtained from a bill payment system. Based at least in part on the obtained information, the payee is identified by the budget system as a budget payee associated with the budget category. Based at least in part on the identified payment history information, a proposed budget amount for the budget payee is calculated. A presentation is generated that includes an indication of the budget category, an indication of the budget payee, and an indication of the proposed budget amount. The generated presentation is transmitted by the budget system for display to the user.
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