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公开(公告)号：US20220138842A1
公开(公告)日：2022-05-05
申请号：US16216851
申请日：2018-12-11
发明人： Abraham Drucker , Khushbu Katariya , Timothy R. Knowlton , Shelby Morita-Fowler , Brian M. Pearce , Dana Roytenberg , John T. Wright
摘要： A method includes collecting account data for an account from an authentication server. The method also includes receiving a request for the account data from an owner of the account or from a custodial entity. The method further includes determining a portion of the account data that may be accessed based on a permissions grid. The permissions grid includes a list of authorized entities including at least one of the owner or the custodial entity. The permissions grid also includes a list of permissions associated with each entity from the list of authorized entities. The method includes transmitting the portion of the account data in response to the request.
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公开(公告)号：US12033098B1
公开(公告)日：2024-07-09
申请号：US17378339
申请日：2021-07-16
发明人： Abraham Drucker , Khushbu Katariya , Timothy R. Knowlton , Shelby K. Morita-Fowler , Brian M. Pearce , Dana Roytenberg , John T. Wright
IPC分类号： G06Q10/0631 , G06Q40/12
CPC分类号： G06Q10/06313 , G06Q10/063114 , G06Q40/12
摘要： A method for managing a budget includes determining, by a budget management system, funds of a project management account that are to be routed to a task manager for a project. The determining comprises: determining a current progress of a task managed by the task manager, the task included in a budget for the project that identifies the task manager and that includes payment information for the task manager that specifies a financial account, determining an amount owed to the task manager, and setting the amount owed to the task manager as the amount of the funds to be routed to the task manager. The method further comprises transmitting, by the budget management system to a financial computing system, a request to transfer the determined funds to the financial account specified by the payment information.
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公开(公告)号：US20200380889A1
公开(公告)日：2020-12-03
申请号：US15706058
申请日：2017-09-15
发明人： Julie T. Fitzpatrick , Minhthe Luu , Andrew L. Martinez , Uma Meyyappan , David Patron , Matthew S. Rogers , Dana Roytenberg , Penny Thompson , Paul Vittimberga , Raissa Williams , Cindy Wong-Zarahn
摘要： Systems and methods are structured to impart an emotional connection to a goal and to generate customized, appropriate challenges that maintain participant engagement by handicapping certain parameters. In one embodiment, a financial health computing system is configured to: generate a first profile for a first participant; generate a first goal for the first participant, the first goal comprising a first plurality of milestones and a first plurality of rewards; assess a participant's progress based on a first status item; and generate an advisory alert for the first participant based on the first status item. The advisory alert comprises a recommended financial health activity and is configured to accept a user input for directing an auxiliary system to perform the recommended financial health activity. The first goal and the first plurality of rewards are customized to the first participant based at least in part on the first profile.
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公开(公告)号：US20200320493A1
公开(公告)日：2020-10-08
申请号：US16376571
申请日：2019-04-05
发明人： Abraham Drucker , Khushbu Katariya , Timothy R. Knowlton , Shelby K. Morita-Fowler , Brian M. Pearce , Dana Roytenberg , John T. Wright
摘要： A method for managing accounts using an account management system comprising an allocation management circuit and a transaction management circuit. The method includes identifying, by the allocation management circuit, funds to be allocated; determining, by the allocation management circuit, an allocation for the funds amongst a plurality of allocation options comprising (i) a pending account for a payee, and (ii) a projected account, based on a priority for the pending account for the payee and a priority for the projected account; and implementing, by the transaction management circuit, the allocation for the funds
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公开(公告)号：US20240362557A1
公开(公告)日：2024-10-31
申请号：US18766394
申请日：2024-07-08
发明人： Abraham Drucker , Khushbu Katariya , Timothy R. Knowlton , Shelby K. Morita-Fowler , Brian M. Pearce , Dana Roytenberg , John T. Wright
IPC分类号： G06Q10/0631 , G06Q40/12
CPC分类号： G06Q10/06313 , G06Q10/063114 , G06Q40/12
摘要： A method for managing a budget includes determining, by a budget management system, funds of a project management account that are to be routed to a task manager for a project. The determining comprises: determining a current progress of a task managed by the task manager, the task included in a budget for the project that identifies the task manager and that includes payment information for the task manager that specifies a financial account, determining an amount owed to the task manager, and setting the amount owed to the task manager as the amount of the funds to be routed to the task manager. The method further comprises transmitting, by the budget management system to a financial computing system, a request to transfer the determined funds to the financial account specified by the payment information.
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公开(公告)号：US11361389B1
公开(公告)日：2022-06-14
申请号：US17212089
申请日：2021-03-25
发明人： Nick Gambale , Ashish B. Kurani , Kayla Palm , Dana Roytenberg , Eric Vanderleek
IPC分类号： G06Q40/00 , G06N5/02 , H04N7/15 , H04L51/04 , G06F16/951
摘要： Examples described herein relate to apparatuses and methods for providing automated advising services to a customer of a provider institution, including but not limited to a provider institution computing system determining a goal of the customer based on a user input of the customer, generating a set of sub-goals for the goal, determining a current status of the customer relating to the sub-goals and the goal, determining whether the current status of the customer meets any sub-goals and a projected status of the customer indicating whether the customer is projected to meet the goal, and sending a notification to a user device of the customer notifying the customer of a completion state of the goal based on at least one of the sub-goals met by the current status of the customer and whether the customer is projected to meet the goal.
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公开(公告)号：US11074530B1
公开(公告)日：2021-07-27
申请号：US16229384
申请日：2018-12-21
发明人： Abraham Drucker , Khushbu Katariya , Timothy R. Knowlton , Shelby K. Morita-Fowler , Brian M. Pearce , Dana Roytenberg , John T. Wright
摘要： A method for managing a budget includes determining, by a budget management system, funds of a project management account that are to be routed to a task manager for a project. The determining comprises: determining a current progress of a task managed by the task manager, the task included in a budget for the project that identifies the task manager and that includes payment information for the task manager that specifies a financial account, determining an amount owed to the task manager, and setting the amount owed to the task manager as the amount of the funds to be routed to the task manager. The method further comprises transmitting, by the budget management system to a financial computing system, a request to transfer the determined funds to the financial account specified by the payment information.
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公开(公告)号：US10963972B1
公开(公告)日：2021-03-30
申请号：US15913584
申请日：2018-03-06
发明人： Nick Gambale , Ashish B. Kurani , Kayla Palm , Dana Roytenberg , Eric Vanderleek
IPC分类号： G06Q40/00 , G06N5/02 , H04N7/15 , H04L12/58 , G06F16/951
摘要： Examples described herein relate to apparatuses and methods for providing automated advising services to a customer of a provider institution, including but not limited to a provider institution computing system determining a goal of the customer based on a user input of the customer, generating a set of sub-goals for the goal, determining a current status of the customer relating to the sub-goals and the goal, determining whether the current status of the customer meets any sub-goals and a projected status of the customer indicating whether the customer is projected to meet the goal, and sending a notification to a user device of the customer notifying the customer of a completion state of the goal based on at least one of the sub-goals met by the current status of the customer and whether the customer is projected to meet the goal.
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