Patent application number | Description | Published |
20090309722 | TAMPER-INDICATING MONETARY PACKAGE - A monetary package capable of detecting and communicating tampering is described. The monetary package may comprise a container having a volume configured to hold monetary items such as currency, checks, and negotiable instruments, a sensor configured to detect an opening of the container, a device coupled to the sensor and configured to store data responsive to the sensor detecting the opening of the container, and a transmitter configured to wirelessly send the stored data | 12-17-2009 |
20100005515 | SYSTEMS AND METHODS FOR ASSOCIATE TO ASSOCIATE AUTHENTICATION - Systems, methods and consumer-readable media for providing a platform between a requesting associate and an authenticating entity associate are provided. The method may include receiving a request for authentication from the requesting associate and transmitting the request to the authenticating associate. The method may include receiving a request for a single-use verification code from the authenticating associate in response to the request for authentication. The method may also include generating the single-use verification code, or, perhaps retrieving the single-use verification code from storage and transmitting the single-use verification code to the authenticating associate. Once the requesting associate has receiving the code from the authenticating associate, the requesting associate may enter the code. The system may then display the identity of the requesting associate on a workstation associated with the authenticating associate. | 01-07-2010 |
20110119179 | Processing Payment Transactions Between Enterprise Resource Planning Systems - In some embodiments, a method for processing a payment transaction comprises receiving, by a payor an invoice generated from a first enterprise resource planning (ERP) system operated by a payee. The first ERP system formatted the invoice in a first format. The invoice is stored in a second format compatible with a second ERP system. The invoice has been converted from the first format to the second format, which is different from the first format. Approval of the invoice is received through the second ERP system. Authorization instructing a financial institution to transmit a payment to the payee is generated and transmitted to the financial institution. Confirmation of the payment to the payee is generated and transmitted to the payee. | 05-19-2011 |
20110246614 | Mobile Content Management - A computer system interacts with a mobile device to support the needs of remote users and may leverage e-ink technology so that a mobile user can access, manage and read documents without being tethered. The mobile device allows for both user-initiated downloads from a corporate entity as well as corporate pushes by the corporate entity to ensure that the user has updated content. The computer system receives a request for selected electronic content, where the request includes updated configuration information and user identification. The computer system then maps the user identification to a device type from a plurality of device types. Embodiments support different device types including electronic ink display capable devices. The selected electronic content is then downloaded to the mobile device. Subsequently, the computer system pushes updated versions of the selected electronic content based on the updated configuration information. | 10-06-2011 |
20110270773 | HOME MAINTENANCE RECOMMENDATION TOOL - Embodiments of the present invention provide a home maintenance recommendation tool that is incorporated into a user's online financial account. The home maintenance recommendation tool, generally provides a user the ability to review, edit, submit, and track home maintenance repairs needed on the one or more properties owned by the user. The home maintenance recommendation tool receives information related to repairs that the property might need through information that is captured when the mortgage is originated, purchased, or serviced, or through purchases made by the user at a business using certain financial accounts. The home maintenance recommendation tool also provides the user the ability to search, identify, receive, and purchase products and services needed to make the suggested repairs through businesses that are strategic partners with the financial institution using the user's online financial account. | 11-03-2011 |
20110309137 | SELF-SERVICE MACHINE PROBLEM CODE - Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) presenting, to the user via a user interface associated with the self-service machine, a code based at least partially on the determining that the problem occurred; (c) receiving the code from the user; and/or (d) initiating a claim for the user based at least partially on the receiving the code from the user, where the claim relates to the problem. | 12-22-2011 |
20110313923 | SELF-SERVICE MACHINE CONTACT ME NOW - Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) prompting, via a user interface associated with the self-service machine, the user to submit a request, where the request is to receive, at a mobile device accessible to the user, a communication regarding the problem; (c) receive the request via the user interface; and/or (d) send the communication regarding the problem to the mobile device accessible to the user. | 12-22-2011 |
20110320294 | ACTIVE BUDGET CONTROL - A system and method that assists a customer with budgeting includes receiving, at a processor, customer input indicating the customer's desire to create one or more budgeting accounts each defined to correspond with one or more items included in a customer spending budget. The method also includes receiving, at a processor, customer input regarding one or more rules corresponding to the one or more budgeting accounts. The rules, in various embodiments, include one or more funding rules configured to provide parameters for dictating credits for one or more budgeting accounts and/or one or more withdrawal rules configured to provide parameters for dictating debits for one or more budgeting accounts. The method also includes creating, using a processor, one or more budgeting accounts based at least in part on the received customer input. In some embodiments, a processing device applies the rules during a transaction and updates the one or more budgeting accounts. | 12-29-2011 |
20120023017 | Intelligent ATM Check Image Deposit Engine - Systems and methods for recognizing a check deposit received in a self-service financial transaction device are described. A check is received from a customer associated with an entity for deposit into an account of the entity. Upon determining a that an amount of the check received for deposit cannot be determined from a scanned image of the check, deposit transaction data for the customer is collected and analyzed, including the frequency and timing of the customer's previous check deposits, the amount of the customer's previous check deposits, the payor of such deposits, etc., to predict the amount of the currently received check. | 01-26-2012 |
20120196586 | TRANSFERRING CONTENT TO A MOBILE DEVICE - In general, apparatuses, methods and computer program products for transferring content to a mobile device are disclosed. Particularly, a system is disclosed that provides for pushing content from an external apparatus such as an automated teller machine (ATM), smart poster, contactless payment terminal, etc. to a mobile device or allowing the mobile device to pull such content from the external apparatus. The content may include one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or the like. | 08-02-2012 |
20120197773 | SYSTEMS AND METHODS FOR PROVIDING POSITION-BASED BUDGETING INFORMATION - Various embodiments include a position-based budgeting system that uses the location of a consumer's mobile device relative to one or more merchants to determine relevant budget information to communicate to the consumer's mobile device. For example, when the consumer and his or her mobile device approach or enter a coffee shop, a budget account name and budget information (e.g., how much has been spent for the month and how much is left in the budget) associated with coffee shop purchases is displayed on the consumer's mobile device. The system may also be configured to display gift card balances associated with a particular merchant when the consumer approaches or enters the merchant's store. | 08-02-2012 |
20120197794 | SHARED MOBILE WALLET - The present invention provides embodiments of a shared account system that allows a primary user to add one or more dependent users to one or more accounts of the primary user in order to control and monitor the transactions made by a dependent user using a shared payment system. The primary user can set preferences, including spending limits, specific time frames within which the dependent user can make a purchase, or restrictions on transactions made at a store or for a product. The shared payment system may be a shared mobile wallet, such as a smartphone or PDA, which allows a user to enter into transactions. The shared mobile wallet allows the dependent user to make a purchase at a store or over a network by transmitting through a connection between the shared payment system and the merchant systems used to make the transaction. | 08-02-2012 |
20120197797 | PENDING ATM TRANSACTIONS - In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based at least partially on the transaction information. | 08-02-2012 |
20120197798 | PENDING ATM AUTHENTICATIONS - In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM authentications on a mobile device and for completing those pending ATM authentications at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM authentication on a mobile device, where the initiating the pending ATM authentication is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM authentication occurs before the user arrives at an ATM for completing the pending ATM authentication; (b) storing, on the mobile device, authentication information associated with the pending ATM authentication; (c) transferring the authentication information from the mobile device directly to the ATM, where the transferring the authentication information occurs after the user arrives at the ATM for completing the pending ATM authentication; (d) receiving, at the ATM, the authentication information associated with the pending ATM authentication; and (e) completing, at the ATM, the pending ATM authentication based at least partially on the authentication information. | 08-02-2012 |
20120221446 | E-RECEIPTS COLLECTION AND MANAGEMENT SYSTEM - In general, embodiments of the present invention concern the collection and management of a consumer's detailed receipt information in electronic form and the storage of the electronic receipts in a platform accessible to the consumer online or through the consumer's mobile device. | 08-30-2012 |
20130005253 | PENDING ATM TRANSACTIONS - Embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. In some embodiments, a method is provided that includes: (a) initiating, by a user, a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based on the transaction information. | 01-03-2013 |
20130006705 | Small business intelligence tool - Aspects of the disclosure relate to systems and methods for electronically displaying an indication of customer spending associated with a pre-determined business location. The method includes using a receiver to receive an electronic request. The request authorizes retrieval of customer spend information associated with the location. The customer spend information may be based on customer credit, debit and/or check transactions. The customer spend information includes a plurality of customer spend data points. The method further includes using the receiver to receive an electronic selection of a limitation of the distance from the pre-determined business location. The limitation may limit the retrieval of customer spend information to a radius corresponding to the limitation. | 01-03-2013 |
20130013472 | Processing Payment Transactions Between Enterprise Resource Planning Systems - In some embodiments, a method for processing a payment transaction comprises receiving, by a payor an invoice generated from a first enterprise resource planning (ERP) system operated by a payee. The first ERP system formatted the invoice in a first format. The invoice is stored in a second format compatible with a second ERP system. The invoice has been converted from the first format to the second format, which is different from the first format. Approval of the invoice is received through the second ERP system. Authorization instructing a financial institution to transmit a payment to the payee is generated and transmitted to the financial institution. Confirmation of the payment to the payee is generated and transmitted to the payee. | 01-10-2013 |
20130046609 | USER-DRIVEN REVERSE AUCTIONS SYSTEMS AND METHODS - Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user. | 02-21-2013 |
20130054367 | MOBILE DOOR BUSTER OFFER TRANSMISSION BASED ON HISTORICAL TRANSACTION DATA - A method communicates one or more offers to a customer by determining a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users. The method then correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, collects a second set of data, wherein the second set of data comprises information related to historical transaction data corresponding to one or more of the plurality of users, determines to which of the plurality of users to make offers based at least in part on historical transaction data, and communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants. | 02-28-2013 |
20130054368 | MOBILE DOOR BUSTER OFFER TRANSMISSION WITH VARYING OFFER VALUES - A method for communicating one or more offers to users determines a distance between each of the users and one or more merchants, based at least in part on a first set of data including information related to users and locations, each corresponding to one or more of the users, correlates the distance between each of the users and the merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the merchants, determines to which of the users to make offers, communicates the offers to the determined users based on the correlated distance between each of the users and the merchants, monitors acceptance rate of the offers, and communicates one or more modified offers to one or more users based on the monitored acceptance rate of the offers. | 02-28-2013 |
20130054369 | MOBILE DOOR BUSTER OFFER TRANSMISSION WITH MOBILE USER OFFER ACCEPTANCE OR REDEMPTION - A method for communicating one or more offers to one or more users determines a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users, correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, determines to which of the plurality of users to make offers, communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants, and receives, communicated from a mobile device of a user, acceptance or redemption of one or more of the offers. | 02-28-2013 |
20130335419 | CONSUMER HISTORY GRAPHICS - Apparatus for calculating and displaying a banking customer's banking history is provided. The apparatus may include a receiver configured to receive a first set of data relating to a plurality of deposits and a plurality of withdrawals. Each of the plurality of deposits and each of the plurality of withdrawals may be associated with a numerical value and a calendar date. The apparatus may further include a graphical user interface. The graphical user interface may be configured to display a timeline in a first screen region. The timeline may include a plurality of demarcations, each of the demarcations being associated with a calendar date. The graphical user interface may be further configured to display in a second screen region a plurality of balloons. Each of the plurality of balloons may display one or more deposits and withdrawals included in the first set of data. | 12-19-2013 |
20140006259 | SYSTEM FOR ITEM LEVEL PAYMENT VEHICLE SUGGESTION | 01-02-2014 |
20140104366 | SPLIT SCREEN PRESENTATION OF FUNCTIONALITY DURING A HOLD PERIOD PRIOR TO A CUSTOMER-SERVICE VIDEO CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for split-screen functionality to be provided to a user device during a hold period prior to a customer-service video conference. Specifically, according to defined embodiments, the present invention provides for a first portion of split-screen includes a visual depiction of a queue of users currently awaiting a video conference with the customer-service associate. The queue allows for the user/customer to gauge how long the hold period will last. In addition to the visual depiction of the hold queue, the split screen may provide for other portions of the screen to include other information and/or functionality such as, such as information related or unrelated to the impending video conference. | 04-17-2014 |
20140104369 | FUNCTIONALITY DURING A HOLD PERIOD PRIOR TO A CUSTOMER-SERVICE VIDEO CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for providing functionality to users during a hold period prior to conducting a customer-service video conference. In specific embodiments of the present invention, the user is able to exit the video conferencing application during the hold period and be subsequently notified when the hold period is about to end and the video conference about to start. Such exiting of the video conference application and subsequent notification of the imminence of the video conference, allows for the user to perform other functions/execute other applications on the device while being assured that the user will have opportunity to conduct the video conference when the user's position in the hold period queue indicates they are next in line for conducting the video conference. | 04-17-2014 |
20140104370 | REPRESENTATIVE SELECTION FOR CUSTOMER SERVICE CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection; and receive user input selecting one of the at least one representatives for conference connection. Some embodiments establish an operative connection between the user device and a representative system associated with the representative over which the user and the representative can conduct an audio-visual conference. | 04-17-2014 |
20140104371 | REPRESENTATIVE PRE-SELECTION FOR CUSTOMER SERVICE VIDEO CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; recognize the user as a customer enrolled in a representative pre-selection program; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection and determined based at least in part on the user having previously conferenced with the at least one representative; and receive user input selecting one of the at least one representatives for conference connection. | 04-17-2014 |
20140104372 | MULTIPLE-PARTICIPANT CUSTOMER SERVICE CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for receiving input to initiate a video conference with a first participant from a user; initiating the video conference between the user and the first participant; receiving a request to add at least a second participant to the video conference from at least one of the user and the first participant, the request comprising credentials associated with the second participant; determining that the second participant is authorized to join the video conference based on the credentials; and connecting the second participant to the video conference. | 04-17-2014 |
20140106721 | ADAPTIVE SCAFFOLDING OF LEVELS OF CONNECTIVITY DURING A CONFERENCE - Systems, methods, and computer program products for adaptively scaffolding of levels of connectivity between one or more customer devices during customer service conference are provided. The system includes various applications and features executable on a computing and/or mobile computing device. The system includes a user interface configured to present tools and features that allows a customer, during a digital conference with a bank representative, to manipulate the channels of communication, levels of connectivity or other features of the digital conference. In some instances, a scaffolding application on the bank's server may be provided to dynamically adjust the levels of connectivity and/or channels of communication of an ongoing digital conference session between a customer and a bank representative based on prior conferences involving the customer and/or a bank representative. As such, the system allows for self-directed and/or computer-aided adjustment of levels of connectivity during a conference. | 04-17-2014 |
20140108288 | PROVIDING A RECORD OF AN INTERACTIVE CONFERENCE - Embodiments of the invention are directed to systems, methods, and computer program products for providing a record of an interactive conference, such as a video conference. The systems, methods, and computer program products determine that an operative connection has been established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative are conducting a conference; identify a document referenced during the conference; capture at least a portion of the conference in a record; associate the document with the record; and store the record. Customers of financial institutions desire to have records of their interactions with representatives of the financial institution and the embodiments of this invention assist the customer in maintaining and organizing those records. | 04-17-2014 |
20140108557 | SYSTEM PROVIDING AN INTERACTIVE CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for providing an interactive conference, such as a video conference. The system, methods, and computer program products determine that an operative connection is being established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative may conduct a conference; provide a document viewable by both the user and the representative during the conference; and enable the document to be edited by at least one of the user and the representative during the conference. The document may be an uploaded document or an account view. The system, method, and computer program product provide augmented service to customers of financial institutions when the customers are participating in a conference with a representative of the financial institution. | 04-17-2014 |
20140156448 | PAYMENT AUTHORIZATION PROMPTING CATEGORIZATION - Systems, methods, and computer program products are provided for prompting categorization during payment authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor receive an authorization request for a transaction being conducted by a user; prompt the user to categorize at least one component of the transaction; receive a category from the user for the at least one component of the transaction; and store the category in association with the transaction. In some embodiments, the system will not authorize the transaction until the user categorizes at least one component of the transaction. In further embodiments, the system evaluates the transaction and only prompts the user to categorize the transaction if predefined criteria are met. | 06-05-2014 |
20140156527 | PRE-PAYMENT AUTHORIZATION CATEGORIZATION - Systems, methods, and computer program products are provided for categorizing transactions prior to authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor to receive an input from a user associated with a component of a future transaction; determine that the user is conducting a transaction; determine a category associated with the input; associate the category with the transaction that is being conducted by the user; and store the category in association with the transaction. In some embodiments, the user provides the input by scanning a product or service using a mobile device. In further embodiments, the system determines the category by evaluating the product or service, evaluating previous categories identified at the user's location, or some combination thereof. | 06-05-2014 |
20140166743 | SYSTEM FOR PROCESSING AND TRACKING MERCHANT DEPOSITS - Embodiments of the invention are directed to systems, methods, and computer program products for processing and tracking merchant deposits. An exemplary apparatus is configured to receive a deposit package that contains one or more deposit items which have been placed in the deposit package by a merchant. The deposit package may also contain and/or be coupled with visual indicia that has been created by the merchant. The visual indicia may specify information about the one or more deposit items placed in the deposit package. The apparatus may be further configured to read the visual indicia upon receiving the deposit package and track the deposit package based at least partially on the visual indicia. | 06-19-2014 |
20140172559 | SYSTEM AND METHODS FOR PROVIDING LOCATION-BASED GOAL BALANCE INFORMATION - Systems, methods, and computer program products are provided for providing a notification to a consumer based on the location of the consumer. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that cause the processor to receive a goal corresponding to a specific product a consumer desires to purchase; determine a location associated with a mobile device of the consumer; identify a merchant that is located at or near the location associated with the mobile device of the consumer; determine whether the merchant offers for sale the specific product associated with the goal; provide a notification to the mobile device associated with the consumer based at least in part on determining that the merchant offers for sale the product, the notification comprising information related to the user's progress towards the goal. | 06-19-2014 |
20140372264 | CONTEMPORANEOUS TRANSACTION AUTHORIZATION AND TAX DEDUCTIBILITY IDENTIFICATION - A request to authorize a financial transaction for a customer of a financial institution may be received from a point of sale device. The request may include transaction information indicating a merchant associated with the point of sale device and/or a nature of one or more goods or services associated with the financial transaction. An account of the financial institution associated with the customer of the financial institution may be identified. The financial transaction may be authorized. Contemporaneous to authorizing the financial transaction, a determination may be made that at least a portion of the financial transaction may qualify as a tax deductible expense for the customer of the financial institution. The determination may be based on the transaction information indicating the merchant associated with the point of sale device and/or the nature of one or more goods or services associated with the financial transaction. | 12-18-2014 |
20140379554 | Report Discrepancy Identification and Improvement - Systems, methods, computer-readable media, and apparatuses for identifying one or more discrepancies between a customer credit report or one or more credit report factors and customer information are presented. A comparison of the credit report factors may be performed to identify any discrepancy and corrective measures may be taken. In some arrangements, one or more improvement options may be identified to improve one or more credit report factors of the customer. The options may be provided to the customer. In other aspects, a comparison of various credit report factors of an individual to a group of individuals may be performed. In some examples, the group may be a peer group identified by an entity performing the comparison. In other examples, the group may be identified by the individual, such as from social media associations or based on a variety of other factors. | 12-25-2014 |
20150058219 | SYSTEM AND METHOD FOR WORKFLOW BEHAVIOR ALERTS - Embodiments of the invention are directed to systems, methods and computer program products for providing workflow behavior alerts. An exemplary apparatus is configured to monitor characteristics associated with user accounts, identify characteristics for further analysis that affect a value of the user accounts, detect an occurrence of a triggering event based at least partially on the analysis of the characteristics, where the triggering event is defined by one or more rules, initiate a first action in response to detecting the occurrence of the triggering event, wherein the first action comprises sending the user a notification that indicates the occurrence of the triggering event or processing at least one transaction associated with a user account, receive a request to reverse the at least one transaction processed, and reverse the at least one transaction processed in response to receiving the request. | 02-26-2015 |
20150081467 | USER-DRIVEN REVERSE AUCTIONS SYSTEMS AND METHODS - Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user. | 03-19-2015 |
20150081560 | SYSTEM AND METHOD FOR WORKFLOW BEHAVIOR ALERTS - Embodiments of the invention are directed to systems, methods and computer program products for providing workflow behavior alerts. An exemplary apparatus is configured to monitor characteristics associated with user accounts, identify characteristics for further analysis that affect a value of the user accounts, detect an occurrence of a triggering event based at least partially on the analysis of the characteristics, where the triggering event is defined by one or more rules, initiate a first action in response to detecting the occurrence of the triggering event, wherein the first action comprises sending the user a notification that indicates the occurrence of the triggering event or processing at least one transaction associated with a user account, receive a request to reverse the at least one transaction processed, and reverse the at least one transaction processed in response to receiving the request. | 03-19-2015 |
20150088679 | PROPOSED PACKAGES FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system captures past and future activities based on a future location or future time period, and assembles the activities into packages. The proposed packages are supplemented with the images and the activity information related to past and future activities captured from the various sources of information, and the activities, activity information, and images are displayed in a package interface. | 03-26-2015 |
20150088704 | INTERACTIVE MAP FOR GROUPED ACTIVITIES WITHIN A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may display the activities, activity information, and images in an interactive map using markers. The markers in the interactive may be displayed as a function of the time of the activity, include images, or transaction data related to the activity. Positioning information related to the location of the user at the time of the activities may also be overlaid on the interactive map. | 03-26-2015 |
20150088705 | GROUPED PACKAGES FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities of one or more users. The financial and social management system captures past and future activities of the multiple users based on a location or time period, and assembles the activities into group packages. The group packages are supplemented with the images and the activity information related to the past and future activities captured from the various sources of information of the multiple users. | 03-26-2015 |
20150088712 | ACTIVITY LIST ENHANCED WITH IMAGES FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, stored database images, images over the Internet, and the like, and associates the activity information and images with the activities. The financial and social management system may determine images for other users associated with an activity of a first user by identifying tag users in a social networking account of the first user or contacts in a social networking account of the first user that participated in activities at the same time or locations as the activities of the first user. | 03-26-2015 |
20150088713 | ACTIVITY LIST TAGGED WITH ACTIVITY INFORMATION FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities. | 03-26-2015 |
20150088714 | ACTIVITY LIST LINKED WITH RECEIPTS FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may parse activity information from the e-receipts and associate the activity information from the e-receipts with the corresponding activities. The financial and social management system may be able to identify activity information in the e-receipts related to the products and costs within the transaction, a time associated with the transaction, as well as the actual location associated with the transaction, or other activity information described herein. | 03-26-2015 |
20150088715 | ACTIVITY REVIEW FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system aggregates the activity information for a number of activities based on the location, user, entity, category, cost, time period, or the like and displays the aggregated activity information in an activity review interface. The financial and social management system may supplement the aggregated activity information with educational data. | 03-26-2015 |
20150088716 | ACTIVITY HISTORY FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system identifies activity history for a location or time period in the past, and displays the activities, activity information, and images for the location or time period in the in past in an activity history interface. At least a portion of the activity history may be shared with other users, and offers may be shared based on the activity history. | 03-26-2015 |
20150088717 | LINKING USERS AND TRANSACTIONS THROUGH ACTIVITY INFORMATION IN A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may identify activities associated with other users (e.g., gift deposit) that can be ultimately linked to other activities associated with merchants (e.g., purchase of a product). The financial and social management system may provide social relationship information between users based on the activities entered by the first user when other users are involved or linked to the activities. | 03-26-2015 |
20150088718 | PAST PACKAGES FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system captures past activities that occurred at the same or similar locations or time periods, and assemblies the activities into packages. The packages are supplemented with the images and the activity information related to the activities captured from the various sources of information, and the activities, activity information, and images are displayed in a package interface. | 03-26-2015 |
20150088771 | FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may tag the activities with activity information, such as location, social relationship, entity, and category information. Moreover, the financial and social management system may display the activity and activity information in activity list interfaces, packaged activity interfaces, filtered activity interfaces, activity history interfaces, activity review interfaces, or other like interfaces that incorporate aspects of financial transactions and social networking information. | 03-26-2015 |
20150088915 | ACTIVITY LIST FILTERS FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities based on the location, social relationship, entity, category, or other activity information and display the activities and activity information in customized interfaces. | 03-26-2015 |