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公开(公告)号：US08751596B2
公开(公告)日：2014-06-10
申请号：US12771552
申请日：2010-04-30
Applicant: Willard H. Waldron, III , Timothy James Mark
Inventor： Willard H. Waldron, III , Timothy James Mark
IPC: G06F15/16 , G06F15/173
CPC classification number: G06Q10/107 , G06F11/3438
Abstract: Embodiments of the invention relate to systems, methods, and computer program products for managing electronic communications and, specifically, monitoring electronic communications received from numerous communications sources associated with a user, identifying that certain ones of the communications are priority communications and communicating notice of the priority communications to the user. The priority communication may be identified by user defined criteria, such key words, phrases, key topics, key names and the like; timeframe of the communication; user-defined priority rules; business performance indicators/metrics and the like. Communication of the notice may provide for communicating a priority communication alert to the user or communicating the notice to a network-accessible communication monitoring portal.
Abstract translation: 本发明的实施例涉及用于管理电子通信的系统，方法和计算机程序产品，并且具体地，监视从与用户相关联的许多通信源接收的电子通信，识别通信中的某些通信是优先通信和通信的通知 优先通信给用户。 优先级通信可以由用户定义的标准，诸如关键词，短语，关键主题，键名等来识别; 沟通时间表; 用户定义的优先级规则; 业务绩效指标/指标等。 通知的通信可以提供用于向用户传达优先通信警报或将通知传送到网络可访问的通信监控门户。
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公开(公告)号：US08688578B2
公开(公告)日：2014-04-01
申请号：US12713632
申请日：2010-02-26
Applicant: Srinath Nagarajan , Timothy James Mark , David Joa , Kurt D. Newman
Inventor： Srinath Nagarajan , Timothy James Mark , David Joa , Kurt D. Newman
IPC: G06Q40/00
CPC classification number: G06Q40/02 , G06Q10/10 , G06Q20/108 , G06Q50/01
Abstract: The business community hub application provides a business customer the ability to add an event or offer to the community hub that can be accessed by individual customers or business customers. The business community hub application also notifies business customers of offers provided by other businesses or about local community events in which the business customer may be interested. The business customers have the ability to find contacts and network with other local businesses. The business community hub application also uses transaction information available to the bank to display market data and trends that may be of interest to the business customer. In this way, the business community hub works with the online banking application as a tool for local businesses, it allows business customers to interact with individual customers, the community in general, as well as other businesses, in a forum for exchanging products, services, and information.
Abstract translation: 商业社区中心应用程序为企业客户提供向个人客户或商业客户可访问的社区中心添加活动或优惠的能力。 商业社区中心应用程序还向业务客户通报其他业务提供的优惠或商业客户可能感兴趣的本地社区活动。 企业客户有能力与其他本地企业寻找联系人和网络。 商业社区中心应用程序还使用银行可用的交易信息来显示业务客户可能感兴趣的市场数据和趋势。 以这种方式，商业社区中心与网上银行应用程序一起作为本地业务的工具，它允许商业客户与个人客户，一般社区以及其他企业在交换产品，服务的论坛中进行互动 和信息。
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公开(公告)号：US08346597B2
公开(公告)日：2013-01-01
申请号：US12790324
申请日：2010-05-28
Applicant: Willard H. Waldron, III , Timothy James Mark
Inventor： Willard H. Waldron, III , Timothy James Mark
IPC: G06Q10/00
CPC classification number: G06Q10/06 , G06Q10/0639
Abstract: Embodiments of the invention relate to systems, methods, and computer program products for client/customer-centric macro (e.g., business-wide) monitoring of business performance and determination of business-wide customer impact trends associated with the client's/customer's composite relationship with the business. Additionally, embodiments provide for determining customer impact trends at other levels of the business relationship, such as at business unit/line of business levels, product/service levels and the like. Based on the determined customer impact trends, further determinations may be made regarding whether alerts are warranted based on the trends, and generating and communicating the alerts if warranted. Determining business-wide customer impact trends provides for the business to identify problems or potential problems that may adversely impact the global relationship between the overall client entity and the business implementing the performance monitoring system.
Abstract translation: 本发明的实施例涉及用于以客户/以客户为中心的宏（例如业务范围）监视业务绩效的系统，方法和计算机程序产品，并且确定与客户/客户的复合关系相关联的业务范围的客户影响趋势 这生意。 此外，实施例提供用于确定业务关系的其他级别的客户影响趋势，例如在业务单元/业务线级别，产品/服务级别等。 根据确定的客户影响趋势，可以进一步确定是否根据趋势保证警报，如果需要，生成和传达警报。 确定业务范围的客户影响趋势使业务能够识别可能对整体客户实体与实施绩效监控系统的业务之间的全球关系产生不利影响的问题或潜在问题。
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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
Applicant: Felix A. Mon , Timothy James Mark , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
Inventor： Felix A. Mon , Timothy James Mark , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
IPC: G06Q40/00
CPC classification number: G07F19/201 , G06Q20/1085 , G06Q20/405 , G06Q40/00 , G07F19/20
Abstract: 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.
Abstract translation: 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：US20120030113A1
公开(公告)日：2012-02-02
申请号：US12847637
申请日：2010-07-30
Applicant: Timothy James Mark , Tony England , Kim Leah Bunn , Vladimir B. Kasperovich
Inventor： Timothy James Mark , Tony England , Kim Leah Bunn , Vladimir B. Kasperovich
CPC classification number: G06Q40/02 , G06Q20/042 , G06Q20/26 , G06Q20/28 , G06Q20/387 , G06Q20/40
Abstract: Systems and methods for generating and using negotiable instrument are described. A request from a user to generate a negotiable instrument financially secured by a financial entity against an account of the user is received, and the user is authenticated to the account of the user with the financial entity. Upon authenticating the user to the account, data representative of the negotiable instrument financially secured by the financial entity against the account of the user is transmitted. The data may include a printable image and barcode for scanning by a second computing device of the financial entity. The transmitted data representative of the negotiable instrument may be received by a computing device. The computing device may output the data representative of the negotiable instrument to a printer for local generation of the negotiable instrument on the printer without the need for special inks and/or other data.
Abstract translation: 描述了生成和使用可转让票据的系统和方法。 收到来自用户的用于生成由金融实体针对用户的帐户而经财务保护的可转让票据的请求，并且该用户通过该金融实体向该用户的账户进行认证。 一旦对帐户进行认证，就传送代表由金融实体经由用户的帐户而经财务保证的可转让票据的数据。 数据可以包括用于由金融实体的第二计算设备进行扫描的可打印图像和条形码。 代表可转让票据的发送数据可以由计算设备接收。 计算设备可以将表示可协商仪器的数据输出到打印机，用于在打印机上本地生成可转让仪器，而不需要特殊油墨和/或其他数据。
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Patent Agency Ranking
公开(公告)号：US20110295654A1
公开(公告)日：2011-12-01
申请号：US12790324
申请日：2010-05-28
Applicant: Willard H. Waldron, III , Timothy James Mark
Inventor： Willard H. Waldron, III , Timothy James Mark
IPC: G06Q10/00
CPC classification number: G06Q10/06 , G06Q10/0639
Abstract: Embodiments of the invention relate to systems, methods, and computer program products for client/customer-centric macro (e.g., business-wide) monitoring of business performance and determination of business-wide customer impact trends associated with the client's/customer's composite relationship with the business. Additionally, embodiments provide for determining customer impact trends at other levels of the business relationship, such as at business unit/line of business levels, product/service levels and the like. Based on the determined customer impact trends, further determinations may be made regarding whether alerts are warranted based on the trends, and generating and communicating the alerts if warranted. Determining business-wide customer impact trends provides for the business to identify problems or potential problems that may adversely impact the global relationship between the overall client entity and the business implementing the performance monitoring system.
Abstract translation: 本发明的实施例涉及用于以客户/以客户为中心的宏（例如业务范围）监视业务绩效的系统，方法和计算机程序产品，并且确定与客户/客户的复合关系相关联的业务范围的客户影响趋势 这生意。 此外，实施例提供用于确定业务关系的其他级别的客户影响趋势，例如在业务单元/业务线级别，产品/服务级别等。 根据确定的客户影响趋势，可以进一步确定是否根据趋势保证警报，如果需要，生成和传达警报。 确定业务范围的客户影响趋势使业务能够识别可能对整体客户实体与实施绩效监控系统的业务之间的全球关系产生不利影响的问题或潜在问题。
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公开(公告)号：US20110213704A1
公开(公告)日：2011-09-01
申请号：US12713632
申请日：2010-02-26
Applicant: Srinath Nagarajan , Timothy James Mark
Inventor： Srinath Nagarajan , Timothy James Mark
CPC classification number: G06Q40/02 , G06Q10/10 , G06Q20/108 , G06Q50/01
Abstract: The business community hub application provides a business customer the ability to add an event or offer to the community hub that can be accessed by individual customers or business customers. The business community hub application also notifies business customers of offers provided by other businesses or about local community events in which the business customer may be interested. The business customers have the ability to find contacts and network with other local businesses. The business community hub application also uses transaction information available to the bank to display market data and trends that may be of interest to the business customer. In this way, the business community hub works with the online banking application as a tool for local businesses, it allows business customers to interact with individual customers, the community in general, as well as other businesses, in a forum for exchanging products, services, and information.
Abstract translation: 商业社区中心应用程序为企业客户提供向个人客户或商业客户可访问的社区中心添加活动或优惠的能力。 商业社区中心应用程序还向业务客户通报其他业务提供的优惠或商业客户可能感兴趣的本地社区活动。 企业客户有能力与其他本地企业寻找联系人和网络。 商业社区中心应用程序还使用银行可用的交易信息来显示业务客户可能感兴趣的市场数据和趋势。 以这种方式，商业社区中心与网上银行应用程序一起作为本地业务的工具，它允许商业客户与个人客户，一般社区以及其他企业在交换产品，服务的论坛中进行互动 和信息。
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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
Applicant: Timothy James Mark , Felix A. Mon , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Carl Frederick, II
Inventor： Timothy James Mark , Felix A. Mon , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Carl Frederick, II
CPC classification number: G06Q20/3221 , G06Q20/10 , G06Q40/02
Abstract: 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.
Abstract translation: 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：US20110246272A1
公开(公告)日：2011-10-06
申请号：US12752001
申请日：2010-03-31
Applicant: David Joa , Timothy James Mark , Helene Urban Mele , Srinath Nagarajan , Kurt D. Newman
Inventor： David Joa , Timothy James Mark , Helene Urban Mele , Srinath Nagarajan , Kurt D. Newman
CPC classification number: G06Q30/0226 , G06Q30/0215 , G06Q30/0224
Abstract: 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.
Abstract translation: 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：US20110184865A1
公开(公告)日：2011-07-28
申请号：US12695870
申请日：2010-01-28
Applicant: Felix A. Mon , Timothy James Mark , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
Inventor： Felix A. Mon , Timothy James Mark , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
CPC classification number: G07F19/201 , G06Q20/1085 , G06Q20/405 , G06Q40/00 , G07F19/20
Abstract: 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.
Abstract translation: 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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