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    BUDGET MONITOR, ALERT, AND BILL PAYMENT FACILITATION SYSTEM
    1.
    发明申请
    BUDGET MONITOR, ALERT, AND BILL PAYMENT FACILITATION SYSTEM 审中-公开
    预算监测，提醒和付款支付系统

    公开(公告)号：US20130030994A1

    公开(公告)日：2013-01-31

    申请号：US13357276

    申请日：2012-01-24

    申请人： Matthew A. Calman ,  Margery Kiehn ,  Jamie Armistead ,  Erik Stephen Ross ,  Sanchit Gupta ,  Shoshana Holtzblatt ,  Honray Lin ,  Molly Nix ,  Sriram Ramasubramanian

    发明人： Matthew A. Calman ,  Margery Kiehn ,  Jamie Armistead ,  Erik Stephen Ross ,  Sanchit Gupta ,  Shoshana Holtzblatt ,  Honray Lin ,  Molly Nix ,  Sriram Ramasubramanian

    IPC分类号： G06Q20/22 ,  G06Q40/00

    CPC分类号： G06Q30/02 ,  G06Q40/00

    摘要： A budget monitoring, alerting and bill payment facilitation system retrieves macro-budgeting information associated with a user, where the macro-budgeting information includes a plurality of budget categories each having an associated budget amount corresponding to a macro time period, divides the budget amount corresponding to the macro time period into a plurality of micro budget amounts corresponding to a plurality of micro time periods, and presents, to the user by a mobile device, micro-budgeting information corresponding to at least one of the plurality of micro budget amounts or its corresponding micro time period. In some embodiments, the system retrieves user data, determines the user may be experiencing a life event based on the user data, where the micro-budgeting information is based on the determination that the user may be experiencing a life event, and confirms that the user is experiencing a life event.

    摘要翻译： 预算监控，警报和帐单支付促进系统检索与用户相关联的宏观预算信息，其中宏观预算信息包括多个预算类别，每个预算类别具有对应于宏时间段的相关联的预算金额，将预算金额对应 到所述宏时间段到对应于多个微时段的多个微预算量，并且由移动设备向用户呈现对应于所述多个微预算金额或其中的至少一个的微预算信息 相应的微时期。 在一些实施例中，系统检索用户数据，确定用户可能正在经历基于用户数据的生命事件，其中微预算信息基于用户可能正在经历生命事件的确定，并且确认 用户正在经历生活事件。

    CONTEXT-AWARE MOBILE BANKING SOLUTION
    2.
    发明申请
    CONTEXT-AWARE MOBILE BANKING SOLUTION 审中-公开
    上下文移动银行解决方案

    公开(公告)号：US20130030925A1

    公开(公告)日：2013-01-31

    申请号：US13357272

    申请日：2012-01-24

    申请人： Matthew A. Calman ,  Margery Kiehn ,  Jamie Armistead ,  Erik Stephen Ross ,  Sanchit Gupta ,  Shoshana Holtzblatt ,  Honray Lin ,  Molly Nix ,  Sriram Ramasubramanian

    发明人： Matthew A. Calman ,  Margery Kiehn ,  Jamie Armistead ,  Erik Stephen Ross ,  Sanchit Gupta ,  Shoshana Holtzblatt ,  Honray Lin ,  Molly Nix ,  Sriram Ramasubramanian

    IPC分类号： G06Q30/02 ,  G06Q40/00

    CPC分类号： G06Q30/02 ,  G06Q40/00

    摘要： A context-aware mobile banking system determines a location of a user of the mobile device, identifies at least one product of interest to the user based at least in part on the determined location of the user, determines based on the determined product of interest, information corresponding to the product of interest, and presents the information corresponding to the product of interest to the user. In some embodiments, the system retrieves user budgeting information including a plurality of budget categories each having an associated budget amount and an associated remaining amount indicating an amount remaining in from the budget amount, determines a budget category from the plurality of budget categories associated with the product of interest, and determines the budget amount and remaining amount associated with the determined budget category. The system then may present information corresponding to the remaining amount and the budget amount to the user.

    摘要翻译： 上下文感知移动银行系统确定移动设备的用户的位置，至少部分地基于所确定的用户的位置来识别用户至少一个感兴趣的产品，基于所确定的感兴趣的产品， 与感兴趣的产品相对应的信息，并将与感兴趣的产品相对应的信息呈现给用户。 在一些实施例中，系统检索包括多个预算类别的用户预算信息，每个预算类别具有相关联的预算金额，以及指示从预算金额剩余的金额的相关剩余金额，从与预算金额相关联的多个预算类别中确定预算类别 并确定与确定的预算类别相关联的预算金额和剩余金额。 然后，系统可以向用户呈现对应于剩余量和预算金额的信息。

    SYSTEM FOR ALLOWING CUSTOMERS TO CHOOSE REWARDS
    3.
    发明申请
    SYSTEM FOR ALLOWING CUSTOMERS TO CHOOSE REWARDS 审中-公开
    允许客户选择奖励的制度

    公开(公告)号：US20130030888A1

    公开(公告)日：2013-01-31

    申请号：US13357349

    申请日：2012-01-24

    申请人： Matthew A. Calman ,  Margery Kiehn ,  Jamie Armistead ,  Erik Stephen Ross ,  Sanchit Gupta ,  Shoshana Tzipporah Asher Holtzblatt ,  Honray Lin ,  Molly Nix ,  Sriram Ramasubramanian

    发明人： Matthew A. Calman ,  Margery Kiehn ,  Jamie Armistead ,  Erik Stephen Ross ,  Sanchit Gupta ,  Shoshana Tzipporah Asher Holtzblatt ,  Honray Lin ,  Molly Nix ,  Sriram Ramasubramanian

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/02

    摘要： Embodiments of the invention relate to systems, methods, and computer program products for allowing a customer to choose rewards as part of a customer incentive program by receiving a first customer input, wherein the first customer input is a characteristic of the customer, receiving a second customer input, wherein the second customer input is a category of reward in which the customer is interested, correlating the first customer input to a plurality of activities to be completed by the customer, correlating the second customer input to rewards to be provided to the customer for completing an activity, monitoring the customer's activities to determine when the customer has completed an activity and providing a reward to the customer corresponding to the completed activity.

    摘要翻译： 本发明的实施例涉及用于允许客户通过接收第一客户输入来选择奖励作为客户激励程序的一部分的系统，方法和计算机程序产品，其中第一客户输入是客户的特征，接收第二客户输入 客户输入，其中第二客户输入是客户感兴趣的类别的奖励，将第一客户输入与要由客户完成的多个活动相关联，将第二客户输入与要提供给客户的奖励相关联 完成活动，监控客户的活动，以确定客户何时完成活动，并向与完成的活动相对应的客户提供奖励。