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公开(公告)号：US20090076950A1
公开(公告)日：2009-03-19
申请号：US11857123
申请日：2007-09-18
申请人： Ujin Chang , William Young , Gary Williams , Peter Hazlehurst , Matthew Aman
发明人： Ujin Chang , William Young , Gary Williams , Peter Hazlehurst , Matthew Aman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/02
摘要： A system for managing electronic deposits remitted to billers includes a first node connected to a network for receiving electronic remittances, a data repository connected to the network for storing account information and account identifier data, a first software routine for looking up account information in the data repository based on received account identifier data, and a second software routine for causing a deposit or credit into an account identified by the account identifier data. Each account subject to electronic deposit is registered with the system, the system issuing an account identifier unique to each account, the identifier used in place of the account number by account owners in remittance instruction to payers.
摘要翻译： 用于管理汇款给账单的电子存款的系统包括连接到用于接收电子汇款的网络的第一节点，连接到网络的用于存储帐户信息和帐户标识符数据的数据存储库，用于查找数据中的帐户信息的第一软件程序 基于接收到的帐户标识符数据的存储库，以及用于将存入或贷记进入由帐户标识符数据识别的帐户的第二软件例程。 每个受电子存款账户的账户都会向系统注册，系统发出每个帐户唯一的帐户识别码，帐号所有者用于代替帐号的标识符，用于汇款指示给付款人。
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公开(公告)号：US08261334B2
公开(公告)日：2012-09-04
申请号：US12109787
申请日：2008-04-25
申请人： Peter Hazlehurst , Matthew Aman , Doug Diego
发明人： Peter Hazlehurst , Matthew Aman , Doug Diego
CPC分类号： G06F21/41
摘要： A data gathering system is guided by an Internet-capable appliance associated with a user, which has a Pin Vault software instance executing from a digital memory media coupled to the appliance and a Pin Vault file stored in a data repository coupled to the appliance. The Pin Vault file comprises data for authenticating the user to one or more web sites storing information of interest to the user, and the Pin Vault software cooperates with an Internet service to provide, from the Pin Vault, data as needed by the Internet service to log onto and authenticate as the user at the one or more web sites storing information of interest to the user, to gather information on behalf of the user. The data for authentication is never kept at the Internet service.
摘要翻译： 数据采集系统由与用户相关联的具有因特网功能的设备引导，该设备具有从耦合到该设备的数字存储介质执行的Pin Vault软件实例以及存储在耦合到该设备的数据存储器中的Pin Vault文件。 引脚保险库文件包括用于将用户认证到存储用户感兴趣的信息的一个或多个网站的数据，并且引导栏软件与互联网服务协作以从互联网服务提供根据因特网服务所需的数据到 在存储用户感兴趣的信息的一个或多个网站上登录并认证为用户，代表用户收集信息。 用于认证的数据从不保留在Internet服务中。
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公开(公告)号：US20090271854A1
公开(公告)日：2009-10-29
申请号：US12109787
申请日：2008-04-25
申请人： Peter Hazlehurst , Matthew Aman , Doug Diego
发明人： Peter Hazlehurst , Matthew Aman , Doug Diego
CPC分类号： G06F21/41
摘要： A data gathering system is guided by an Internet-capable appliance associated with a user, which has a Pin Vault software instance executing from a digital memory media coupled to the appliance and a Pin Vault file stored in a data repository coupled to the appliance. The Pin Vault file comprises data for authenticating the user to one or more web sites storing information of interest to the user, and the Pin Vault software cooperates with an Internet service to provide, from the Pin Vault, data as needed by the Internet service to log onto and authenticate as the user at the one or more web sites storing information of interest to the user, to gather information on behalf of the user. The data for authentication is never kept at the Internet service.
摘要翻译： 数据采集系统由与用户相关联的具有因特网功能的设备引导，该设备具有从耦合到该设备的数字存储介质执行的Pin Vault软件实例以及存储在耦合到该设备的数据存储器中的Pin Vault文件。 引脚保险库文件包括用于将用户认证到存储用户感兴趣的信息的一个或多个网站的数据，并且引导栏软件与互联网服务协作以从互联网服务提供根据因特网服务所需的数据到 在存储用户感兴趣的信息的一个或多个网站上登录并认证为用户，代表用户收集信息。 用于认证的数据从不保留在Internet服务中。
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公开(公告)号：US08655783B1
公开(公告)日：2014-02-18
申请号：US12727187
申请日：2010-03-18
申请人： Gary Williams , Peter Hazlehurst , Jayasree Iyer , Julieta Abad
发明人： Gary Williams , Peter Hazlehurst , Jayasree Iyer , Julieta Abad
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/023 , G06Q20/042
摘要： A computer-implemented method includes issuing a transaction on the Automated Clearing House (ACH) electronic network, the transaction including instructions for printing a check, receiving the transaction, and printing the check according to the instructions.
摘要翻译： 计算机实现的方法包括在自动清算所（ACH）电子网络上发行交易，交易包括用于打印支票，接收交易的指令，以及根据指令打印支票。
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公开(公告)号：US20100138316A1
公开(公告)日：2010-06-03
申请号：US12624349
申请日：2009-11-23
申请人： Eric Connors , Jordan Reed , Peter Hazlehurst , Suman Sarkar
发明人： Eric Connors , Jordan Reed , Peter Hazlehurst , Suman Sarkar
CPC分类号： G06Q40/00 , G06F9/451 , G06F21/57 , G06Q30/0601 , G06Q40/02
摘要： Methods, computer program products, and systems, related to providing financial gadgets to users. In one implementation, a method includes receiving gadgets and receiving a notification that one or more gadgets has been certified. A web page with an interface through which users can select gadgets is generated and provided to a user computer. A user selects a gadget, and the selected gadget is run, including providing the user-specific financial information to the gadget. Content based on the output of the gadget is provided to the user. User-specific financial information can be collected, and modified by the gadget. A notification can be received that a financial institution has authorized one or more of the certified gadgets and the web page can only allow users to select authorized gadgets.
摘要翻译： 方法，计算机程序产品和系统，用于向用户提供财务小工具。 在一个实现中，一种方法包括接收小工具并接收一个或多个小工具已被认证的通知。 生成具有用户可以选择小工具的界面的网页并将其提供给用户计算机。 用户选择小工具，并运行所选小工具，包括向小工具提供用户特定的财务信息。 基于小工具的输出的内容被提供给用户。 用户特定的财务信息可以由小工具收集和修改。 可以收到一个金融机构授权一个或多个已认证的小工具的通知，网页只允许用户选择授权的小工具。
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公开(公告)号：US09129268B2
公开(公告)日：2015-09-08
申请号：US12724749
申请日：2010-03-16
申请人： Peter Hazlehurst
发明人： Peter Hazlehurst
CPC分类号： G06Q20/14 , G06Q20/00 , G06Q20/102 , G06Q20/26 , G06Q20/405 , G06Q30/04
摘要： Methods, computer program products, and systems, related to financial payments are provided. Data corresponding to payments made by a first financial institution is analyzed to identify periodic financial obligations and a specific biller associated with each obligation. A visual user interface including a mechanism through which a user can submit a make-payments notification is generated and provided to a client computer. A first make-payments notification identifying an obligation and a specific biller is received. A determination is made as to whether the specific biller is automatically requesting payments to satisfy the obligation identified in the make-payments notification, and if so, a cease-billing instruction is caused to be sent to the specific biller. A billing instruction, instructing the first specific biller to automatically request payments from a second financial institution to satisfy the obligation, is caused to be sent to the first specific biller.
摘要翻译： 提供了与金融支付相关的方法，计算机程序产品和系统。 分析与第一家金融机构付款相对应的数据，以确定定期财务义务和与每项义务相关的特定账户。 生成包括用户可以通过其提交付款通知的机制的可视化用户界面并将其提供给客户端计算机。 接收到识别义务的第一个付款通知和特定的帐单。 确定特定会员是否正在自动请求付款以满足在付款通知中确定的义务，如果是，则停止计费指令被发送到特定的账单。 导致指示第一特定会员自动请求来自第二金融机构的付款以满足该义务的计费指令被发送到第一特定会员。
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公开(公告)号：US08346615B2
公开(公告)日：2013-01-01
申请号：US12624349
申请日：2009-11-23
申请人： Eric Connors , Jordan Reed , Peter Hazlehurst , Suman Sarkar
发明人： Eric Connors , Jordan Reed , Peter Hazlehurst , Suman Sarkar
IPC分类号： G06Q30/00
CPC分类号： G06Q40/00 , G06F9/451 , G06F21/57 , G06Q30/0601 , G06Q40/02
摘要： Methods, computer program products, and systems, related to providing financial gadgets to users. In one implementation, a method includes receiving gadgets and receiving a notification that one or more gadgets has been certified. A web page with an interface through which users can select gadgets is generated and provided to a user computer. A user selects a gadget, and the selected gadget is run, including providing the user-specific financial information to the gadget. Content based on the output of the gadget is provided to the user. User-specific financial information can be collected, and modified by the gadget. A notification can be received that a financial institution has authorized one or more of the certified gadgets and the web page can only allow users to select authorized gadgets.
摘要翻译： 方法，计算机程序产品和系统，用于向用户提供财务小工具。 在一个实现中，一种方法包括接收小工具并接收一个或多个小工具已被认证的通知。 生成具有用户可以选择小工具的界面的网页并将其提供给用户计算机。 用户选择小工具，并运行所选小工具，包括向小工具提供用户特定的财务信息。 基于小工具的输出的内容被提供给用户。 用户特定的财务信息可以由小工具收集和修改。 可以收到一个金融机构授权一个或多个已认证的小工具的通知，网页只允许用户选择授权的小工具。
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公开(公告)号：US20100250416A1
公开(公告)日：2010-09-30
申请号：US12724749
申请日：2010-03-16
申请人： Peter Hazlehurst
发明人： Peter Hazlehurst
CPC分类号： G06Q20/14 , G06Q20/00 , G06Q20/102 , G06Q20/26 , G06Q20/405 , G06Q30/04
摘要： Methods, computer program products, and systems, related to financial payments are provided. Data corresponding to payments made by a first financial institution is analyzed to identify periodic financial obligations and a specific biller associated with each obligation. A visual user interface including a mechanism through which a user can submit a make-payments notification is generated and provided to a client computer. A first make-payments notification identifying an obligation and a specific biller is received. A determination is made as to whether the specific biller is automatically requesting payments to satisfy the obligation identified in the make-payments notification, and if so, a cease-billing instruction is caused to be sent to the specific biller. A billing instruction, instructing the first specific biller to automatically request payments from a second financial institution to satisfy the obligation, is caused to be sent to the first specific biller.
摘要翻译： 提供了与金融支付相关的方法，计算机程序产品和系统。 分析与第一家金融机构付款相对应的数据，以确定定期财务义务和与每项义务相关的特定账户。 生成包括用户可以通过其提交付款通知的机制的可视化用户界面并将其提供给客户端计算机。 接收到识别义务的第一个付款通知和特定的帐单。 确定特定会员是否正在自动请求付款以满足在付款通知中确定的义务，如果是，则停止计费指令被发送到特定的账单。 导致指示第一特定会员自动请求来自第二金融机构的付款以满足该义务的计费指令被发送到第一特定会员。
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