公开(公告)号：US20200320493A1

公开(公告)日：2020-10-08

申请号：US16376571

申请日：2019-04-05

申请人： Wells Fargo Bank, N.A.

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： G06Q20/10 ,  G06Q40/06

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

公开(公告)号：US12033098B1

公开(公告)日：2024-07-09

申请号：US17378339

申请日：2021-07-16

申请人： Wells Fargo Bank, N.A.

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.

公开(公告)号：US20240362557A1

公开(公告)日：2024-10-31

申请号：US18766394

申请日：2024-07-08

申请人： Wells Fargo Bank, N.A.

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.

公开(公告)号：US11074530B1

公开(公告)日：2021-07-27

申请号：US16229384

申请日：2018-12-21

申请人： Wells Fargo Bank, N.A.

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： G06Q10/06 ,  G06Q40/00

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.