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公开(公告)号：US08458656B1
公开(公告)日：2013-06-04
申请号：US12197654
申请日：2008-08-25
CPC分类号： G06F9/448 , G06F8/60 , G06F9/44521 , G06F17/2235 , G06F17/30887 , H04L67/02 , H04L67/1085
摘要： A content handler application that may be provided on a mobile device to provide extensions to a web based application. The content handler may provide the web application access features such as the camera, GPS, A/V input and output, file system and secure uploads. The content handler may be a certified application for use on the mobile device and calls applications to access the features of the mobile device. The web applications may be updated without concern for the content handler. Because the user experience and business logic are contained in the web application they are unaffected by the certification and multi-platform issues as this is limited to only the content handler.
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2.发明授权公开(公告)号：US08380591B1
公开(公告)日：2013-02-19
申请号：US12500653
申请日：2009-07-10
IPC分类号： G07B17/00
CPC分类号： G06Q20/14 , G06Q20/102 , G06Q20/145
摘要： Methods and systems for providing protection to an individual or party from penalties associated with late or missed payments of bills, invoices and other charges are described. The methods and systems can warn a user of possible penalties and take correction action to avoid incurring the penalty. In an example, a computerized method, and system for performing the method can include receiving data about a plurality of payments to be paid by at least one party, the data includes at least one penalty associated with at least one of the payments, ranking the payments based at least partially upon the penalty and determining an order for the payments to be paid. In an example, a computerized method, and system for performing the method can include receiving data about a plurality of bills for at least one user, determining at least one action to prevent incurring a penalty for at least one of the bills and allowing the user to select the action. In an example, a computerized method, and system for performing the method can include receiving data for a plurality of bills for at least one user, determining if at least one penalty event can occur and communicating the penalty event to the user.
摘要翻译： 描述了向个人或一方提供保护的方法和系统，以免与迟付或错失支付账单，发票和其他费用相关的处罚。 方法和系统可以向用户发出可能的处罚，并采取纠正措施，以避免产生惩罚。 在一个示例中，用于执行该方法的计算机化方法和系统可以包括接收关于要由至少一方支付的多个付款的数据，该数据包括与至少一个支付相关联的至少一个罚款， 至少部分地基于罚款并确定支付付款的订单。 在一个示例中，用于执行该方法的计算机化方法和系统可以包括接收关于至少一个用户的多个账单的数据，确定至少一个动作以防止对于至少一个账单造成惩罚，并允许用户 选择动作。 在一个示例中，用于执行该方法的计算机化方法和系统可以包括接收用于至少一个用户的多个账单的数据，确定是否可以发生至少一个罚款事件并将该惩罚事件传达给用户。
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公开(公告)号：US09258286B1
公开(公告)日：2016-02-09
申请号：US12182293
申请日：2008-07-30
CPC分类号： H04L63/08 , H04L63/083 , H04L63/10 , H04L2463/082
摘要： A user may access an institution system via more than one communications channel, either by the same device (e.g., a mobile device accessing the institution system via a voice channel and a data channel) or by different devices (e.g., a personal computer via a web channel and a phone via a voice channel). If a user is not currently authenticated to a communications channel and attempts to access the institution system via a communications channel, the user may be authenticated using strong authentication. If the user is currently authenticated to the institution system via a communications channel and would like to engage a second communications channel to access the institution system, the user may authenticate to the second communications channel using both communications channels and weak authentication, such as single factor authentication or a challenge question.
摘要翻译： 用户可以通过相同的设备（例如，经由语音信道和数据信道接入机构系统的移动设备）或由不同的设备（例如，经由个人计算机的个人计算机）通过多于一个通信信道来访问机构系统 网络频道和通过语音频道的电话）。 如果用户当前没有对通信信道进行身份验证，并尝试经由通信信道访问机构系统，则可以使用强认证来认证用户。 如果用户当前通过通信信道对机构系统进行认证，并且希望参与第二通信信道来访问机构系统，则用户可以使用通信信道和弱认证来对第二通信信道进行认证，诸如单因素 认证或质疑问题。
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4.发明授权Methods and systems for electronic transfer of financial accounts between financial institutions 有权金融机构之间电子转帐金融账户的方法和制度公开(公告)号：US08121947B1
公开(公告)日：2012-02-21
申请号：US11548073
申请日：2006-10-10
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/102 , G06Q20/108 , G06Q20/227
摘要： A method of transferring a financial account from an existing financial institution to a new financial institution includes receiving a customer request for financial account transfer, determining information regarding the existing financial institution using information stored at the new financial institution, receiving, via an aggregation tool, information regarding the financial account, determining financial obligations associated with the financial account using the received information, and populating a database of the new financial institution to reflect the determined financial obligations.
摘要翻译： 将金融账户从现有金融机构转移到新的金融机构的方法包括接收客户的金融账户转帐请求，使用存储在新金融机构的信息确定关于现有金融机构的信息，经由汇总工具， 有关财务帐户的信息，使用收到的信息确定与金融账户相关的财务义务，以及填充新金融机构的数据库以反映确定的财务义务。
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5.发明授权System and method for automated electronic switching of customer selected financial transactions for a customer banking account 有权用于客户银行账户的客户选择的金融交易的自动电子切换的系统和方法公开(公告)号：US08924288B1
公开(公告)日：2014-12-30
申请号：US11782335
申请日：2007-07-24
IPC分类号： G06Q40/00
摘要： The present disclosure provides a relatively automated system and method for a customer to change to a new service provider of a financial product, such as banking services. In general, the customer may provide initial data to a new second provider that the second provider may use to automatically and electronically access data about the customer from a prior first provider data source, such as an electronic database of the first provider. The customer data may include a customer credential provided to the second provider to retrieve automated financial transactions from the first provider's Web site on behalf of and with support of the customer. Automated financial transactions include direct deposits, automatic withdrawals, and online payment of bills. The second provider may use the data to at least partially recreate the automated financial transactions for the customer in an account with the second provider.
摘要翻译： 本公开提供了一种相对自动化的系统和方法，用于客户改变为诸如银行服务的金融产品的新服务提供商。 通常，客户可以向第二提供商可以使用的新的第二供应商提供初始数据，以从先前的第一供应商数据源（例如第一供应商的电子数据库）自动和电子地访问关于客户的数据。 客户数据可以包括提供给第二供应商的客户凭证，以代表并在客户的支持下从第一供应商的网站检索自动金融交易。 自动化金融交易包括直接存款，自动提款和网上支付账单。 第二供应商可以使用该数据至少部分地在与第二供应商的帐户中重新创建客户的自动金融交易。
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公开(公告)号：US08145565B1
公开(公告)日：2012-03-27
申请号：US12252097
申请日：2008-10-15
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/025
摘要： Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g., a low interest rate credit card) of the user to pay the charge made to the first credit card. This may transfer the balance from a user's high interest rate credit card to a user's low interest rate credit card. In this manner, the user may receive the reward incentives of a high interest rate credit card while using a low interest rate credit card to satisfy balances due.
摘要翻译： 提供账户遮蔽，使得当在用户的第一信用卡（例如，高利率信用卡）上收取费用时，从第二信用卡（例如，低利率信用卡 ）用户支付第一张信用卡的费用。 这可能会将余额从用户的高利率信用卡转移到用户的低利率信用卡。 以这种方式，用户可以使用低利率信用卡来满足高利率信用卡的奖励激励以满足到期的余额。
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公开(公告)号：US08799809B1
公开(公告)日：2014-08-05
申请号：US12237874
申请日：2008-09-25
CPC分类号： H04L63/145 , G06F3/048 , G06F3/0638 , G06F21/31 , G06F21/606 , G06F21/82 , G06F2221/031
摘要： An applet may be downloaded or provided to a web browser when a user visits a site in order to protect data input by the user from being captured by malicious software, such as key loggers. The applet may present a user input field in the web browser and may generate a random sequence of low-level key stroke or mouse click events within the input field when the user enters information, such as a username and/or password. A listening key logger will receive a large amount of random data, whereas the applet will receive and buffer the actual user data that may be communicated to a remote site access by the user.
摘要翻译： 当用户访问站点时，可以将小程序下载或提供给Web浏览器，以便保护用户输入的数据不被诸如密钥记录器的恶意软件捕获。 小应用程序可以在web浏览器中呈现用户输入字段，并且当用户输入诸如用户名和/或密码的信息时，可以在输入字段内生成低级关键笔划或鼠标点击事件的随机序列。 聆听密钥记录器将接收大量的随机数据，而小应用程序将接收和缓冲用户可能传送给远程站点访问的实际用户数据。
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公开(公告)号：US08719838B1
公开(公告)日：2014-05-06
申请号：US12127913
申请日：2008-05-28
CPC分类号： H04L63/08 , G06F17/218 , G06F17/30684 , G06F21/31 , H04L63/1408
摘要： Interaction with a web site may be driven by a script. The script may be generated through automated analysis of a web site. A web site may be analyzed by evaluating labels associated with data entry fields, links, and/or other elements of the pages that make up the web site. Moreover, a web site may be analyzed by co-browsing the web site along with a human, and observing the actions that a human takes to operate the web site. The scripts that are generated may be used to perform a transaction at a web site on behalf of a principal, to gather information from a web site, or to perform any other type of action.
摘要翻译： 与网站的交互可能由脚本驱动。 脚本可以通过网站的自动分析生成。 可以通过评估与构成网站的页面的数据输入字段，链接和/或其他元素相关联的标签来分析网站。 此外，可以通过与人类共同浏览网站来分析网站，并观察人类操作网站所采取的行动。 生成的脚本可以用于代表主体在网站上执行交易，从网站收集信息或执行任何其他类型的操作。
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公开(公告)号：US08538872B1
公开(公告)日：2013-09-17
申请号：US13431603
申请日：2012-03-27
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/025
摘要： Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g., a low interest rate credit card) of the user to pay the charge made to the first credit card. This may transfer the balance from a user's high interest rate credit card to a user's low interest rate credit card. In this manner, the user may receive the reward incentives of a high interest rate credit card while using a low interest rate credit card to satisfy balances due.
摘要翻译： 提供帐户遮蔽，使得当在用户的第一信用卡（例如，高利率信用卡）上收取费用时，从第二信用卡（例如，低利率信用卡 ）用户支付第一张信用卡的费用。 这可能会将余额从用户的高利率信用卡转移到用户的低利率信用卡。 以这种方式，用户可以使用低利率信用卡来满足高利率信用卡的奖励激励以满足到期的余额。
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