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公开(公告)号：US20110184853A1
公开(公告)日：2011-07-28
申请号：US12695894
申请日：2010-01-28
申请人： Timothy James Mark , Felix A. Mon , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Carl Frederick, II
发明人： Timothy James Mark , Felix A. Mon , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Carl Frederick, II
CPC分类号： G06Q20/3221 , G06Q20/10 , G06Q40/02
摘要： Embodiments of the invention relate to systems, methods, and computer program products for providing audio messages relating to financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a communication device and a processor. In one embodiment, the memory stores information about a financial account including information about a system to use to communicate a message comprising an audio component to a person associated with the financial account, and the processor is configured to receive an indication of a financial transaction affecting the financial account and use the communication device to communicate an audio message containing information relating to the financial transaction to the person associated with the financial account by using the system.
摘要翻译： 本发明的实施例涉及用于提供与金融交易相关的音频消息的系统，方法和计算机程序产品。 例如，本发明的一个实施例提供了一种具有可通信地耦合到通信设备和处理器的存储器的金融机构的计算机设备。 在一个实施例中，存储器存储关于金融帐户的信息，包括关于用于将包括音频组件的消息传送到与金融账户相关联的人的系统的信息，并且处理器被配置为接收影响金融交易的指示 并使用通信设备通过使用系统将包含与该金融交易相关的信息的音频消息传送给与该金融账户相关联的人。
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公开(公告)号：US20110184865A1
公开(公告)日：2011-07-28
申请号：US12695870
申请日：2010-01-28
申请人： Felix A. Mon , Timothy James Mark , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
发明人： Felix A. Mon , Timothy James Mark , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
CPC分类号： G07F19/201 , G06Q20/1085 , G06Q20/405 , G06Q40/00 , G07F19/20
摘要： Embodiments of the present invention provide apparatuses, methods, and computer program products that allow for interaction with a user at an automated teller machine (ATM) based on pre-established user preferences. For example, an ATM is provided having: (1) a user interface configured to receive user identifying information from a user; and (2) a processing device operatively coupled to the user interface and configured to use the user identifying information to determine a pre-established user preference, wherein the processing device is further configured to use the user interface to interact with the user based at least partially on the pre-established user preference.
摘要翻译： 本发明的实施例提供了允许基于预先建立的用户偏好在自动取款机（ATM）与用户交互的装置，方法和计算机程序产品。 例如，ATM提供有：（1）被配置为从用户接收用户识别信息的用户界面; 以及（2）处理设备，其可操作地耦合到所述用户界面并且被配置为使用所述用户识别信息来确定预先建立的用户偏好，其中所述处理设备还被配置为使用所述用户界面至少基于所述用户界面与所述用户交互 部分取决于预先建立的用户偏好。
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公开(公告)号：US08301564B2
公开(公告)日：2012-10-30
申请号：US12695870
申请日：2010-01-28
申请人： Felix A. Mon , Timothy James Mark , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
发明人： Felix A. Mon , Timothy James Mark , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
IPC分类号： G06Q40/00
CPC分类号： G07F19/201 , G06Q20/1085 , G06Q20/405 , G06Q40/00 , G07F19/20
摘要： Embodiments of the present invention provide apparatuses, methods, and computer program products that allow for interaction with a user at an automated teller machine (ATM) based on pre-established user preferences. For example, an ATM is provided having: (1) a user interface configured to receive user identifying information from a user; and (2) a processing device operatively coupled to the user interface and configured to use the user identifying information to determine a pre-established user preference, wherein the processing device is further configured to use the user interface to interact with the user based at least partially on the pre-established user preference.
摘要翻译： 本发明的实施例提供了允许基于预先建立的用户偏好在自动取款机（ATM）与用户交互的装置，方法和计算机程序产品。 例如，ATM提供有：（1）被配置为从用户接收用户识别信息的用户界面; 以及（2）处理设备，其可操作地耦合到所述用户界面并且被配置为使用所述用户识别信息来确定预先建立的用户偏好，其中所述处理设备还被配置为使用所述用户界面至少基于所述用户界面与所述用户交互 部分取决于预先建立的用户偏好。
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公开(公告)号：US20110213703A1
公开(公告)日：2011-09-01
申请号：US12713624
申请日：2010-02-26
CPC分类号： G06Q40/02 , G06F16/29 , G06F16/9535 , G06F16/9537 , G06Q20/108 , G06Q50/01
摘要： The individual community hub provides individual customers the ability to access information related to events, businesses, offers, and activities that are a part of the individual customer's local community through the individual customer's online banking account. The individual customer can search, identify, receive offers or discounts from, review, etc. the events, businesses, and activities in which the individual customer might be interested. The information provided to the individual customer may be based on the customer's local community (e.g. geographic location), as well as the individual customer's transaction information captured by the bank each time the individual customer makes a purchase or completes a transaction through the bank. The information may also be based on information obtained from the bank's relationship with local businesses and/or other individual customers. In this way an individual customer's online banking account becomes the individual customer's source of local personalized community information.
摘要翻译： 个人社区中心为个人客户提供通过个人客户的在线银行帐户访问与个人客户当地社区一部分的活动，企业，优惠和活动相关的信息的能力。 个人客户可以搜索，识别，接收个人客户可能感兴趣的活动，企业和活动的优惠或折扣，审查等。 提供给个体客户的信息可以基于客户的当地社区（例如地理位置），以及每次客户通过银行进行购买或完成交易时由银行捕获的个人客户的交易信息。 信息还可以基于银行与当地企业和/或其他个人客户的关系获得的信息。 以这种方式，个人客户的网上银行帐户将成为个人客户的本地个性化社区信息的来源。
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公开(公告)号：US20110213658A1
公开(公告)日：2011-09-01
申请号：US12713899
申请日：2010-02-26
CPC分类号： G06Q40/02 , G06Q20/1085 , G06Q30/02 , G06Q30/0254 , G06Q30/0261 , G06Q40/00
摘要： Embodiments of the present invention provide a system, method and computer program product for providing a new bank-based communication system. For example, embodiments of the invention provide a method for: (1) identifying a user interface, where the user interface is associated with a banking center accessible to a user; (2) identifying a banking center community associated with the banking center; (3) determining content to present on the user interface based at least partially on the banking center community; and (4) presenting the content to the user using the user interface.
摘要翻译： 本发明的实施例提供了一种用于提供新的基于银行的通信系统的系统，方法和计算机程序产品。 例如，本发明的实施例提供了一种用于：（1）识别用户界面的方法，其中所述用户界面与用户可访问的银行中心相关联; （2）识别与银行中心有关的银行中心社区; （3）至少部分地基于银行中心社区确定在用户界面上呈现的内容; 和（4）使用用户界面向用户呈现内容。
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公开(公告)号：US20110246272A1
公开(公告)日：2011-10-06
申请号：US12752001
申请日：2010-03-31
CPC分类号： G06Q30/0226 , G06Q30/0215 , G06Q30/0224
摘要： Embodiments of the invention provide methods, apparatuses, and computer program products for providing community rewards. For example, systems and methods are provided for: (1) accessing transaction data associated with a particular financial institution; (2) determining a threshold; (3) identifying from the transaction data a group of transactions associated with a predefined community and time period; (4) aggregating a particular aspect of the group of transactions associated with the predefined community to determine a community total; and (5) determining that a reward should be provided to the community based on a comparison of the community total and the threshold. In some embodiments, the predefined community is defined at least in part by a particular one or more merchants.
摘要翻译： 本发明的实施例提供用于提供社区奖励的方法，装置和计算机程序产品。 例如，提供系统和方法：（1）访问与特定金融机构相关的交易数据; （2）确定阈值; （3）从交易数据中识别与预定义的社区和时间段相关联的一组交易; （4）聚集与预定义社区相关联的一组交易的特定方面以确定社区总数; （5）根据社区总量与门槛的比较，确定应向社区提供奖励。 在一些实施例中，预定义社区至少部分地由特定的一个或多个商家定义。
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公开(公告)号：US08219499B2
公开(公告)日：2012-07-10
申请号：US12713638
申请日：2010-02-26
IPC分类号： G06Q99/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0282 , G06Q50/01
摘要： The business review application provides a customer with a bank-hosted business review platform that provides an advertising and feedback service for the bank's business customers and provides a rating, review, feedback, and recommendation service for the bank's individual and business customers. Thus, the bank's customers can rate and review the bank's business customers. The bank uses its authentication systems used by its customers to access online banking services to authenticate the identity of the customer creating a business review in the business review platform. In some embodiments, the business review application only permits its customers to make one review of a business within a certain period of time or one review after a transaction with that business shows up in the customer's transaction information maintained by the bank. In this way, the bank can host a review platform that is much more accurate and trust-worthy than traditional business review platforms.
摘要翻译： 商业评论应用程序为客户提供银行托管的商业评论平台，为银行业务客户提供广告和反馈服务，并为银行的个人和企业客户提供评级，审查，反馈和推荐服务。 因此，银行的客户可以评估和审查银行的业务客户。 银行使用其客户使用的认证系统来访问网上银行服务，以便在业务审查平台中对客户的身份进行身份验证，从而创建业务审查。 在一些实施例中，业务审查应用程序仅允许其客户在与该业务的交易中显示在银行维护的客户的交易信息中的一段时间内对业务进行一次审查或者一次审查。 通过这种方式，银行可以托管一个比传统业务评估平台更准确和信任的评估平台。
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公开(公告)号：US20110213724A1
公开(公告)日：2011-09-01
申请号：US12713638
申请日：2010-02-26
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0282 , G06Q50/01
摘要： The business review application provides a customer with a bank-hosted business review platform that provides an advertising and feedback service for the bank's business customers and provides a rating, review, feedback, and recommendation service for the bank's individual and business customers. Thus, the bank's customers can rate and review the bank's business customers. The bank uses its authentication systems used by its customers to access online banking services to authenticate the identity of the customer creating a business review in the business review platform. In some embodiments, the business review application only permits its customers to make one review of a business within a certain period of time or one review after a transaction with that business shows up in the customer's transaction information maintained by the bank. In this way, the bank can host a review platform that is much more accurate and trust-worthy than traditional business review platforms.
摘要翻译： 商业评论应用程序为客户提供银行托管的商业评论平台，为银行业务客户提供广告和反馈服务，并为银行的个人和企业客户提供评级，审查，反馈和推荐服务。 因此，银行的客户可以评估和审查银行的业务客户。 银行使用其客户使用的认证系统来访问网上银行服务，以便在业务审查平台中对客户的身份进行身份验证，从而创建业务审查。 在一些实施例中，业务审查应用程序仅允许其客户在与该业务的交易中显示在银行维护的客户的交易信息中的一段时间内对业务进行一次审查或者一次审查。 通过这种方式，银行可以托管一个比传统业务评估平台更准确和信任的评估平台。
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公开(公告)号：US20110213665A1
公开(公告)日：2011-09-01
申请号：US12714101
申请日：2010-02-26
CPC分类号： G06Q30/02 , G06Q30/0251 , G06Q30/0264 , G06Q30/0276 , G06Q40/00 , G06Q40/02
摘要： Embodiments of the invention include apparatuses, methods, and computer-program products that provide for a unique bank-based advertising system. In one embodiment, the bank-based advertising system receives an authentication request from a user. The system then compares information received with the authentication request to authentication information stored in a memory system to determine that the user is a customer of the bank and has access to a financial account maintained by a bank. The system then provides the user with access to a bank-based advertising system based at least partially on the determination that user is a customer of the bank and has access to the financial account. The system then allows the user to use the bank-based communication system to create an advertisement on behalf of an owner of the financial account for which the user was authenticated. The system then presents the advertisement through one or more banking outlets.
摘要翻译： 本发明的实施例包括提供独特的基于银行的广告系统的装置，方法和计算机程序产品。 在一个实施例中，基于银行的广告系统从用户接收认证请求。 系统然后将接收的信息与认证请求相关联的存储系统中存储的认证信息进行比较，以确定用户是银行的客户，并且可以访问由银行维护的金融账户。 该系统然后至少部分地基于用户是银行的客户并且具有对该金融账户的访问的确定来向用户提供对基于银行的广告系统的访问。 系统然后允许用户使用基于银行的通信系统来代表用户被认证的财务帐户的所有者创建广告。 然后系统通过一个或多个银行网点提供广告。
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公开(公告)号：US08527384B2
公开(公告)日：2013-09-03
申请号：US12696659
申请日：2010-01-29
申请人： Timothy James Mark
发明人： Timothy James Mark
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： Embodiments of the present invention provide apparatuses and methods for a currency equivalency application for a business activity monitoring (BAM) applications. The currency equivalency application monitors business activities across international processes and systems that deal with multiple types of currencies. The user enters into the currency equivalency application user defined preferences, such as, but not limited to, the BAM application to which to apply the preferences, the type of currencies, value amounts, dates for the actual currency exchange rate, dates for future currency exchange rates, confidence scores, etc. The currency equivalency application identifies the proper exchange rates and in some cases estimates future exchanges rates, and converts the output for currency values in BAM applications into the user defined currency values, which allows the users across the world to quantify and view the currency value outputs in a form that the user understands.
摘要翻译： 本发明的实施例提供了用于商业活动监视（BAM）应用的货币等价应用的装置和方法。 货币对等应用程序监控处理多种类型货币的国际流程和系统的业务活动。 用户输入货币对等应用程序用户定义的偏好，例如但不限于应用优先选择的BAM应用程序，货币类型，价值量，实际货币汇率的日期，未来货币的日期 汇率，信心分数等。货币等值应用程序确定适当的汇率，并在某些情况下估计未来的汇率，并将BAM应用中的货币值的输出转换为用户定义的货币值，从而允许世界各地的用户 以用户理解的形式量化和查看货币价值输出。
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