Patent application number | Description | Published |
20080246058 | GALLIUM NITRIDE MATERIAL TRANSISTORS AND METHODS ASSOCIATED WITH THE SAME - Gallium nitride material transistors and methods associated with the same are provided. The transistors may be used in power applications by amplifying an input signal to produce an output signal having increased power. The transistors may be designed to transmit the majority of the output signal within a specific transmission channel (defined in terms of frequency), while minimizing transmission in adjacent channels. This ability gives the transistors excellent linearity which results in high signal quality and limits errors in transmitted data. The transistors may be designed to achieve low ACPR values (a measure of excellent linearity), while still operating at high drain efficiencies and/or high output powers. Such properties enable the transistors to be used in RF power applications including third generation (3G) power applications based on W-CDMA modulation. | 10-09-2008 |
20090194773 | GALLIUM NITRIDE MATERIAL DEVICES INCLUDING DIAMOND REGIONS AND METHODS ASSOCIATED WITH THE SAME - Gallium nitride material structures are provided, as well as devices and methods associated with such structures. The structures include a diamond region which may facilitate conduction and removal of heat generated within the gallium nitride material during device operation. The structures described herein may form the basis of a number of semiconductor devices and, in particular, transistors (e.g., FETs). | 08-06-2009 |
20100019248 | GALLIUM NITRIDE MATERIAL DEVICES INCLUDING CONDUCTIVE REGIONS AND METHODS ASSOCIATED WITH THE SAME - Semiconductor structures comprising a III-nitride (e.g., gallium nitride) material region and methods associated with such structures are provided. In some embodiments, the structures include an electrically conductive material (e.g., gold) separated from certain other region(s) of the structure (e.g., a silicon substrate) by a barrier material in order to limit, or prevent, undesirable reactions between the electrically conductive material and the other component(s) which can impair device performance. In certain embodiments, the electrically conductive material may be formed in a via. For example, the via can extend from a topside of the device to a backside so that the electrically conductive material connects a topside contact to a backside contact. The structures described herein may form the basis of a number of semiconductor devices including transistors (e.g., FET), Schottky diodes, light-emitting diodes and laser diodes, amongst others. | 01-28-2010 |
20100019850 | GALLIUM NITRIDE MATERIAL TRANSISTORS AND METHODS ASSOCIATED WITH THE SAME - Gallium nitride material transistors and methods associated with the same are provided. The transistors may be used in power applications by amplifying an input signal to produce an output signal having increased power. The transistors may be designed to transmit the majority of the output signal within a specific transmission channel (defined in terms of frequency), while minimizing transmission in adjacent channels. This ability gives the transistors excellent linearity which results in high signal quality and limits errors in transmitted data. The transistors may be designed to achieve low ACPR values (a measure of excellent linearity), while still operating at high drain efficiencies and/or high output powers. Such properties enable the transistors to be used in RF power applications including third generation (3G) power applications based on W-CDMA modulation. | 01-28-2010 |
20120068190 | Gallium Nitride Devices with Electrically Conductive Regions - Semiconductor structures comprising a III-nitride (e.g., gallium nitride) material region and methods associated with such structures are provided. In some embodiments, the structures include an electrically conductive material (e.g., gold) separated from certain other region(s) of the structure (e.g., a silicon substrate) by a barrier material in order to limit, or prevent, undesirable reactions between the electrically conductive material and the other component(s) which can impair device performance. In certain embodiments, the electrically conductive material may be formed in a via. For example, the via can extend from a topside of the device to a backside so that the electrically conductive material connects a topside contact to a backside contact. The structures described herein may form the basis of a number of semiconductor devices including transistors (e.g., PET), Schottky diodes, light-emitting diodes and laser diodes, amongst others. | 03-22-2012 |
20120070967 | Method for Forming Gallium Nitride Devices with Conductive Regions - Semiconductor structures comprising a III-nitride (e.g., gallium nitride) material region and methods associated with such structures are provided. In some embodiments, the structures include an electrically conductive material (e.g., gold) separated from certain other region(s) of the structure (e.g., a silicon substrate) by a barrier material in order to limit, or prevent, undesirable reactions between the electrically conductive material and the other component(s) which can impair device performance. In certain embodiments, the electrically conductive material may be formed in a via. For example, the via can extend from a topside of the device to a backside so that the electrically conductive material connects a topside contact to a backside contact. The structures described herein may form the basis of a number of semiconductor devices including transistors (e.g., FET), Schottky diodes, light-emitting diodes and laser diodes, amongst others. | 03-22-2012 |
20130126895 | Gallium Nitride Devices with Vias - Semiconductor structures comprising a III-nitride (e.g., gallium nitride) material region and methods associated with such structures are provided. In some embodiments, the structures include an electrically conductive material (e.g., gold) separated from certain other region(s) of the structure (e.g., a silicon substrate) by a barrier material in order to limit, or prevent, undesirable reactions between the electrically conductive material and the other component(s) which can impair device performance. In certain embodiments, the electrically conductive material may be formed in a via. For example, the via can extend from a topside of the device to a backside so that the electrically conductive material connects a topside contact to a backside contact. The structures described herein may form the basis of a number of semiconductor devices including transistors (e.g., FET), Schottky diodes, light-emitting diodes and laser diodes, amongst others. | 05-23-2013 |
20130134437 | METHOD FOR FORMING GALLIUM NITRIDE DEVICES WITH CONDUCTIVE REGIONS - Semiconductor structures comprising a III-nitride (e.g., gallium nitride) material region and methods associated with such structures are provided. In some embodiments, the structures include an electrically conductive material (e.g., gold) separated from certain other region(s) of the structure (e.g., a silicon substrate) by a barrier material in order to limit, or prevent, undesirable reactions between the electrically conductive material and the other component(s) which can impair device performance. In certain embodiments, the electrically conductive material may be formed in a via. For example, the via can extend from a topside of the device to a backside so that the electrically conductive material connects a topside contact to a backside contact. The structures described herein may form the basis of a number of semiconductor devices including transistors (e.g., FET), Schottky diodes, light-emitting diodes and laser diodes, amongst others. | 05-30-2013 |
20140203294 | Gallium Nitride Devices - Semiconductor structures comprising a III-nitride (e.g., gallium nitride) material region and methods associated with such structures are provided. In some embodiments, the structures include an electrically conductive material (e.g., gold) separated from certain other region(s) of the structure (e.g., a silicon substrate) by a barrier material in order to limit, or prevent, undesirable reactions between the electrically conductive material and the other component(s) which can impair device performance. In certain embodiments, the electrically conductive material may be formed in a via. For example, the via can extend from a topside of the device to a backside so that the electrically conductive material connects a topside contact to a backside contact. The structures described herein may form the basis of a number of semiconductor devices including transistors (e.g., FET), Schottky diodes, light-emitting diodes and laser diodes, amongst others. | 07-24-2014 |
Patent application number | Description | Published |
20130046702 | PERFORMING FINANCIAL ACTIVITIES IN A SOCIAL NETWORKING ENVIRONMENT - Financial activities may be performed in a social networking environment. To perform the financial activities, a first message is received to create a first financial goal associated with a user. The first message comprises the first financial goal and a reward for achieving the first financial goal. The first financial goal is available for display in a social networking environment associated with the user. A processor creates the first financial goal associated with the user and stores the first financial goal. The status of the first financial goal is monitored. Information associated with the first financial goal is received from a data source, and the processor updates the status of the first financial goal according to the received information. | 02-21-2013 |
20140067506 | Apparatus and Method for Offering Micro Rewards in an Electronic Transmission - According to one embodiment, an apparatus stores a user account and a points balance associated with the user account. The apparatus further determines a geographic location of a user associated with the user account. The apparatus then communicates, based at least in part upon the geographic location, an offer for a product. The produce may be associated with a points price and the points balance is at least equal to the points price. The apparatus then receives a signal indicating acceptance of the offer. The signal may be associated with the user account. The apparatus then communicates a second signal indicating that the user can receive the product. | 03-06-2014 |
20140067512 | APPARATUS AND METHOD FOR LEVERAGING GEOGRAPHIC LOCATION IN SENDING ELECTRONIC TRANSMISSIONS - According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product. | 03-06-2014 |
20140067654 | Apparatus and Method for the Electronic Transfer of Balances Between Accounts - According to one embodiment, an apparatus may store a plurality of accounts. The apparatus may present, in a first region of a display, information associated with a first account in the plurality of accounts; in a second region of the display, information associated with a second account in the plurality of accounts; and in a third region of the display, a plurality of transfer amounts. The apparatus may detect a touch on the third region of the display indicating a selection of a transfer amount from the plurality of transfer amounts. The apparatus may communicate, in response to the detection of the touch, a message to initiate the transfer of the selected transfer amount from the first account to the second account. | 03-06-2014 |
20140101060 | ASSET TITLER - According to one embodiment, a memory may store information associated with an asset. A processor communicatively coupled to the memory may receive a request to transfer the asset upon the occurrence of an event. The processor may further determine at least one of an appropriate titling and an appropriate beneficiary designation of the asset based at least in part upon the asset and the event and apply at least one of the appropriate titling and the appropriate beneficiary designation to the asset. | 04-10-2014 |
20140106717 | Apparatus and Method for Managing Electronic Transactions - In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a plurality of transactions and present, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review. The processor is further operable to present, in a third region of the display, a second option and present, in a fourth region of the display, a notification indicating a second transaction of the plurality of transactions. Additionally, the processor is operable to detect a touch on the display indicating the selection of the second transaction and present, in the first region of the display, information associated with the second. | 04-17-2014 |
20140108246 | Apparatus and Method for Presenting Electronic Notices - In certain embodiments an apparatus includes a memory operable a processor. The processor is operable to detect a first and second authentication of a user and detect a first plurality of events. The processor is operable to present information associated with a first event in response to the second authentication of the user and present the information associated with a second plurality of events. The processor can detect a touch indicating a request to present a second event and scroll a first region of the display. The processor is further operable to determine that each one of the first plurality of events has been presented and scroll the first region of the display in conjunction with a second region of the display at least in response to determining that each one of the first plurality of events has been presented. | 04-17-2014 |
20140108952 | Apparatus and Method for Management of Electronic Notices - In certain embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first service based at least in part upon the user. The processor is further operable to present information associated with a second, third and fourth service. Additionally, the processor may receive an update to the information associated with the first service and present, in the first region of the display, the update to the information associated with the first service. Finally, the processor is operable to detect a first touch on the first region of the display indicating a selection of the first service and present details associated with the first service in response to detecting the first touch. | 04-17-2014 |
20140115064 | COLLABORATION HUB - According to one embodiment, an apparatus may store a document associated with a user. The apparatus may further receive a transaction associated with the user and associate the document with the transaction. The apparatus may then initiate a communication session associated with the transaction between the user and a participant. The apparatus may assign a task to the participant so that the participant is responsible for performing the task in order for the transaction to be resolved. | 04-24-2014 |
20140129948 | METHOD AND APPARATUS FOR SIMULTANEOUS DISPLAY OF INFORMATION FROM MULTIPLE PORTABLE DEVICES ON A SINGLE SCREEN - A method is disclosed comprising storing on a first computing device having a user interface and a memory pieces of information for displaying, and providing a user interface on the first computing device an option for displaying the pieces of information stored on the first computing device onto a common display area while sharing the common display area with a second computing device. The second computing device is allowed to also display pieces information from the second computing device simultaneously with the first computing device on the common display area. The first computing device comprises a camera, and the first computing device is configured to capture images for display onto the common display area. The pieces of information can relate to properties. The common display area can be projected onto a display unit or multiple display units. | 05-08-2014 |
20150032480 | USE OF E-RECEIPTS TO DETERMINE INSURANCE VALUATION - Embodiments for determining insurance valuations are included in systems that receive e-receipt data, including stock keeping unit (SKU) level data from a customer and compare the e-receipt data with transaction data. The systems match the e-receipt data to one or more transactions based on the comparison, identify at least one insurance related transaction from the one or more transactions based on the SKU level data, calculate the value of an insurance claim based on the at least one insurance related transaction. | 01-29-2015 |
20150032521 | AGGREGATION OF SAVINGS DATA FROM PAST TRANSACTIONS - Embodiments of the invention are directed to apparatus, methods, and computer program products for aggregation of savings data from e-receipts. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve an information based on the request from a structured database associated with a customer's financial institution account, wherein the information includes a product purchase associated with the customer's purchase transaction; identify a savings amount associated with the product purchase; and provide the savings amount to the customer. | 01-29-2015 |
20150032522 | USE OF E-RECEIPTS FOR MICRO LOYALTY TARGETING - Embodiments of the invention are directed to apparatus, methods, and computer program products for using e-receipts for micro loyalty targeting. The apparatus, methods, and computer program products comprise: a memory; a processor; and a module stored in memory, executable by a processor, and configured to: receive information associated with a purchase of an item, wherein the item includes an item category; increment a counter associated with the item category; determine, in response to incrementing the counter associated with the item category, if the counter equals or exceeds a predetermined threshold value; and transmit, in response to determining the counter equals or exceeds a predetermined threshold value, a message to a second apparatus. | 01-29-2015 |
20150032523 | CREDIT SOURCE RECOMMENDATION BASED ON PRODUCT LEVEL DATA ANALYSIS - Embodiments of the invention are directed to apparatus, methods, and computer program products for credit source recommendation based on product level data analysis. In some embodiments, an apparatus is configured to receive an information from a structured database associated with a customer's financial institution account, wherein the information includes a previous product purchase; categorize the customer based on the information received; and provide a recommendation to the customer based on categorization of the customer, wherein the recommendation is a type of financial institution bank card. | 01-29-2015 |
20150032525 | USING TRANSACTION HISTORY TO INCENTIVIZE THE USE OF A FINANCIAL INSTITUTION BANK CARD - Embodiments of the invention are directed to apparatus, methods, and computer program products for using transaction history to incentivize the use of a financial institution bank card. In some embodiments, an apparatus is configured to receive an information associated with a transaction history from a structured database associated with a customer's financial institution account, wherein the information is a recurring periodic payment; identify a first payment type associated with the information received, wherein the first payment type is not associated with the financial institution; and provide an incentive to the customer to use a second payment type instead of the first payment type, wherein the second payment type is associated with the financial institution. | 01-29-2015 |
20150032526 | PRODUCT EVALUATION BASED ON ELECTRONIC RECEIPT DATA - Embodiments of the invention are directed to systems, methods and computer program products for providing product evaluation. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer, the purchase transaction data includes product level data from a transaction, receive the identified purchase transaction data, the purchase transaction data is received in an unstructured format, convert the purchase transaction data from the unstructured format to a structured format, associate the structured purchase transaction data with the customer's online banking application, aggregate purchase transaction data related to one or more products purchased by the customer, determine one or more products are purchased on a recurring basis, and provide the customer with one or more options based at least partially on determining the one or more products are purchased on a recurring basis. | 01-29-2015 |
20150032536 | OFFERS BASED ON USER'S SEASONALITY AND GIFT GIVING SCHEDULE - Embodiments of the invention are directed to apparatus, methods, and computer program products for offers based on a user's seasonality and gift giving schedule. The apparatus, methods, and computer program products comprise: a memory; a processor; and a module stored in memory, executable by a processor, and configured to: receive information associated with a purchase of an item, wherein the information includes a purchase date; increment a counter associated with the purchase date; determine, in response to incrementing the counter associated with the purchase date, if the counter equals or exceeds a predetermined threshold value; and transmit, in response to determining the counter equals or exceeds a predetermined threshold value, a message to a second apparatus, wherein the message is based on the purchase date. | 01-29-2015 |
20150032537 | ANALYSIS OF E-RECEIPT DATA FOR LOYALTY CARD USAGE - Embodiments of the invention are directed to apparatus, methods, and computer program products for analyzing e-receipt data for loyalty card usage. The apparatus, methods, and computer program products comprise: a memory; a processor; and a module stored in memory, executable by a processor, and configured to: receive information associated with a purchase, wherein the information includes a payment type; analyze the payment type, wherein analyzing the payment type comprises determining if the payment type is associated with a loyalty card; and transmit, in response to determining the payment type is associated with a loyalty card, an offer to a second apparatus. | 01-29-2015 |
20150032538 | PROVIDING OFFERS BASED ON ELECTRONIC RECEIPT DATA - Embodiments of the invention are directed to systems, methods and computer program products for providing offers based on electronic receipt data. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, where the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format; convert the purchase transaction data from the unstructured format to a structured format; associate the structured purchase transaction data with the customer's online banking application; identify an offer associated with one or more products purchased by the customer; and provide the customer the offer based at least partially on the customers purchase transaction data. | 01-29-2015 |
20150032546 | USE OF SKU LEVEL E-RECEIPT DATA FOR FUTURE MARKETING - Embodiments of the invention relate to systems, methods, and computer program products for determining and providing an offer to a customer based at least in part on product level data associated with a transaction. The system, method, and computer program product are configured to receive unstructured data from a customer account, wherein the unstructured data comprises product level data for a transaction; convert the unstructured data into structured data; determine a transaction at a financial institution corresponding to the structured data; determine an offer for a customer based on the product level data and the transaction; and provide the offer to the customer. Typically, product level data related to transactions is not available to financial institution. This disclosure describes a system and method for identifying and using product level data. | 01-29-2015 |
20150032574 | PRICE EVALUATION BASED ON ELECTRONIC RECEIPT DATA - Embodiments of the invention are directed to systems, methods and computer program products for providing price evaluation based on electronic receipt data. An exemplary apparatus is configured to: identify purchase transaction data associated with identified electronic communications between a merchant and a customer, wherein the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format; convert the purchase transaction data from the unstructured format to a structured format; associate the structured purchase transaction data with the customer's online banking application; aggregate purchase transaction data related to a first product purchased by a plurality of customers; determine a best price available for the first product based at least partially on an analyses of the purchase transaction data; and communicate the best price available for the first product to one or more parties. | 01-29-2015 |
20150032581 | USE OF E-RECEIPTS TO DETERMINE TOTAL COST OF OWNERSHIP - Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to provide misappropriation protection based on address and/or merchant store information associated with the e-receipt or other e-communication. In one embodiment, a system is configured to: determine a purchase price paid for the product and costs associated with the product based on purchase transaction data; and determine an estimated total cost of ownership of the product based on the purchase price of the product and the costs associated with the product. | 01-29-2015 |
20150032586 | USE OF E-RECEIPTS FOR CONSUMPTION TRACKING - Embodiments related to tracking consumer consumption for purchased items are included in systems that receive e-receipt data, including stack keeping unit (SKU) level data from a customer and compare the e-receipt data with transaction data. The systems identify transactions associated with one or more customer goals based on the SKU level data and calculate a first quantity of consumption for each of the identified transactions. | 01-29-2015 |
20150032602 | UNDERSTANDING PAST PURCHASE TRANSACTIONS BASED ON PURCHASE TRANSACTION HISTORY - Embodiments of the invention are directed to apparatus, methods, and computer program products for understanding past transactions based on purchase history. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve information associated with the request from a structured financial account database; and provide a recommendation to the customer based on the request and the information retrieved. | 01-29-2015 |
20150032615 | INTEGRATION OF PURCHASE TRANSACTION LEVEL DATA INTO CUSTOMER ONLINE BANKING - Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in a customer's online banking application. As such, present a customer with viewable purchase transaction data alongside online banking data, which allows a customer to view all customer transactions irrespective of payment means within a single online banking application. The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into the customer's online banking application for a holistic customer transaction view. | 01-29-2015 |
20150032616 | PERSONAL FINANCE MANAGEMENT SYSTEM BASED ON INTEGRATED ELECTRONIC RECEIPTS - Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in online banking to create a personal finance management system. The personal finance management system providing a customer with a granular categorization of spending based on item level spend, wherein the finance management incorporates customer transactions completed with any payment means a customer may use (including cash transactions). The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into a customer's online banking. Utilizing the electronic communications and online banking data the invention builds a personal finance management interface that is based on the transaction level data from the e-receipts and the customer's online banking. | 01-29-2015 |
20150032638 | WARRANTY AND RECALL NOTICE SERVICE BASED ON E-RECEIPT INFORMATION - Disclosed is an aggregation computing system and associated method for providing warranty, safety, and/or insurance notifications to a customer. The aggregation computing system typically includes an aggregation module that is configured for receiving first transaction information associated with a purchase of an item by the customer using a first customer account; extracting a unique identifier from the first transaction information, the unique identifier being associated with the item; receiving second transaction information associated with the purchase, the second transaction information including account identification information associated with the first customer account; matching the first transaction information with the second transaction information and associating the first transaction information with the first customer account; retrieving warranty, safety, and/or insurance information associated with the item based on the unique identifier associated with the item; and transmitting the warranty, safety, and/or insurance information associated with the item to the customer. | 01-29-2015 |
20150032642 | USE OF AN E-RECEIPT TO VERIFY OWNERSHIP AND SERVICE OF A PRODUCT - Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to verify ownership information and maintenance/service information of a product. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine ownership information and maintenance/service information of the product from the electronic communication; and generate a profile for the product based on the ownership information and maintenance and service information. | 01-29-2015 |
20150039502 | MISAPPROPRIATION PROTECTION BASED ON SHIPPING ADDRESS OR STORE INFO FROM E-RECEIPT - Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to provide misappropriation protection based on address and/or merchant store information associated with the e-receipt or other e-communication. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine address information or merchant store information from the electronic communication; and determine whether or not the address information or merchant store information triggers a notification or an alert to the customer based at least partially on one or more rules relating to a misappropriation of customer account information. | 02-05-2015 |
20150066687 | USE OF E-RECEIPTS FOR CONSUMPTION TRACKING - Embodiments related to tracking consumer consumption for purchased items are provided. In some embodiments, a system is provided that receives e-receipt data, including stack keeping unit (SKU) level data, from a customer and compares the e-receipt data with transaction data. The system identifies transactions associated with one or more customer goals based on the SKU level data and calculates a first quantity of consumption for each of the identified transactions. | 03-05-2015 |
20150066688 | UNDERSTANDING PAST PURCHASE TRANSACTIONS BASED ON PURCHASE TRANSACTION HISTORY - Embodiments of the invention are directed to apparatus, methods, and computer program products for understanding past transactions based on purchase history. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve information associated with the request from a structured financial account database; and provide a recommendation to the customer based on the request and the information retrieved. | 03-05-2015 |
Patent application number | Description | Published |
20120010937 | Consolidating and Leveraging Features of a Loyalty Program - Aspects of the present disclosure relate to a computer assisted method for consolidating reward points or monetary rewards associated with one or more financial accounts which may include electronically receiving information regarding a financial transaction in a first financial account, determining an amount of reward points or monetary rewards based on the financial transaction in the first account, and crediting a reward points or monetary rewards account associated with the first account with the amount of reward points or monetary rewards based on the transaction with the first financial account. Further, the method may include electronically receiving information regarding a transaction in a second financial account, determining an amount of reward points or monetary rewards based on the financial transaction in the second financial account and crediting the reward points or monetary rewards account with the amount of reward points or monetary rewards based on the transaction with the second financial account. Further, the first financial account may be a credit card account and the second financial account may an account associated with a debit card. | 01-12-2012 |
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 |
20120246024 | SELF-SERVICE HOME BUYING - According to some embodiments, a system comprises an interface and one or more processors. The interface receives a search request indicating that a buyer requests to search for properties to evaluate. The one or more processors determine one or more buyer preferences that describe preferred characteristics for the properties according to the buyer. The one or more processors also determine whether an available property located proximate to a device associated with the buyer satisfies at least a threshold amount of the buyer preferences. If the available property satisfies at least a threshold amount of buyer preferences, the interface communicates a notification recommending that the buyer evaluate the available property. | 09-27-2012 |
20120265678 | SOCIAL NETWORK PAYMENT SETTLEMENT SYSTEM - A method for effecting transfer of a payment amount to a merchant during a transaction between a customer and the merchant includes determining, using a processing device, a funds shortfall, accessing a funds sharing network comprising a plurality of users, identifying one or more of the users of the funds sharing network, requesting funds from the identified one or more users, and applying funds received from the one or more users to the funds shortfall. In some embodiments, identifying one or more of the users includes determining whether one or more of the users are indebted to the customer, determining levels of connection between two or more of the users and the customer, and developing a hierarchy of users based on the indebted users and the levels of connection. | 10-18-2012 |
20120265679 | AUTOMATED TELLER MACHINE (ATM) TO MOBILE COMMUNICATION DEVICE SESSION INTEGRATION - Embodiments of the invention provide for seamless transferring of a user interaction session initiated at an ATM to a customer's mobile communication device. By transferring the user interaction session to the customer's mobile communication device, the customer limits their time interacting with the ATM and, thus, frees up the ATM for any other waiting customers. Additionally, the embodiments provide for a highly secure means of transferring the user interaction session from the ATM to the customer's mobile communication device. For example, Near Field Communication (NFC) or the like may be implemented as the communication mechanism, such that the customer is not required to re-authenticate when the interaction session is presented on the mobile communication device. | 10-18-2012 |
20120265809 | TRANSFERRING INFORMATION FROM AN AUTOMATED TELLER MACHINE (ATM) TO MOBILE COMMUNICATION DEVICE DURING A USER INTERACTION SESSION - Embodiments of the invention provide for wirelessly communicating information from an ATM to a customer's mobile communication device during or proximate in time with the customer's ATM interaction session. More specifically, the information is accessible to the customer through communication of a Uniform Resource Locator (URL) that is wirelessly communicated from the ATM to the customer's mobile communication device. In specific embodiments, the URL may be associated with customer-specific information that is determined, on-the fly during the ATM interaction session, based on customer inputs during the session and/or customer profile data, including transaction history data. In other specific embodiments, the URL may be associated with financial institution contact information, such that the customer may obtain answers to questions related to the ATM interaction session or any other financial institution-related matter using their mobile communication device. | 10-18-2012 |
20130046604 | VIRTUAL LOYALTY CARD PROGRAM - Systems and methods for providing a virtual loyalty card program are provided. The systems and methods enable a user to manage loyalty cards and receive offers. The methods provide receiving, at a computing device, loyalty card data associated with at least one loyalty card; storing the loyalty card data in a storage device; determining, via a computing device processor, a status associated with the at least one loyalty card based on the loyalty card data; and communicating, via computing device, a notification to a user based on the determined status | 02-21-2013 |
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 |
20130046648 | SHOPPING LIST SYSTEM AND PROCESS - Embodiments of the invention allow a user to create a virtual shopping list that is used to identify offers for products in which the user is interested. The shopping list may be one single list or may be broken down into categories, in order to group like products together or group products together that can be purchased at one or more locations near each other. The shopping list may be transmitted to one or more businesses, such that the businesses may submit bid requests, in a reverse bid auction, for the one or more products on the shopping list. The best bids of the one or more businesses may be returned to the user. The bids may be identified as the best bids based on the lowest prices for the product, the best quality products, the proper quantities of the products, the locations at which the products are located, etc. | 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 |
20130054436 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with a first type of account held by an account holder; and one or more event triggers linked to the account. The processor is operable to receive event information associated with the account, the event information indicating that an event associated with the account has occurred. The processor determines that the event that occurred comprises one or more of the event triggers linked to the account. The processor initiates the activation of a second type of account held by the account holder in response to determining that the event that occurred comprises one or more of the event triggers linked to the account and based at least in part upon the account information associated with the first type of account held by the account holder. | 02-28-2013 |
20130054449 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with an account. The processor is operable to communicate to a potential contributor a link to a webpage, wherein the webpage comprises account information identifying the account and request information identifying an amount of a funds request, the beneficiary of the account, and a purpose for the funds request. The processor is operable to receive a response to the funds request indicating an outcome of the funds request and manage the account based on the outcome of the funds request. | 02-28-2013 |
20130054453 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary comprises a spending tracker, a reimbursement module, a contributor module, and an allocation module. The spending tracker is operable to determine an amount of a withdrawal from the account. The reimbursement module is operable to request an amount of funds from a contributor, the amount of the request associated with the amount of the withdrawal. The contributor module operable to receive the funds from the contributor. The allocation module operable to deposit the funds into the account held for the account beneficiary. | 02-28-2013 |
20130054455 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary, the account being identifiable by an account number, comprises a management module, a contributor module, and an allocation module. The management module is operable to register a plurality of contributors. The contributor module is operable to receive information identifying a first contributor, determine whether the first contributor is one of the plurality of registered contributors, and if the first contributor is a registered contributor, receive, from the first contributor, a deposit of funds, the deposit comprising a first set of funds associated by the first contributor for deposit into the account without identifying the account by the account number. The allocation module operable to deposit the first set of funds into the account without informing the first contributor of the account number. | 02-28-2013 |
20130054456 | SYSTEM FOR ALLOCATING AND MANAGING CONTRIBUTIONS TO ACCOUNT CATEGORIES - According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an achievement manager. The management module is operable to associate each account category of the plurality of account categories associated with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive a confirmation to deposit funds in at least one of the account categories upon accomplishment of an achievement by the account beneficiary. The achievement manager is operable to receive notification of the accomplishment of the achievement and instruct the contributor module to transfer the confirmed funds to the at least one of the account categories. | 02-28-2013 |
20130054460 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an allocation module. The management module is operable to associate each account category of the plurality of account categories with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive, from a contributor, a deposit of funds, the deposit comprising a first set of funds associated by the contributor with a first purpose and a second set of funds associated by the contributor with a second purpose. The allocation module operable to deposit the first set of funds into the account category associated with the first purpose and deposit the second set of funds into the account category associated with the second purpose. | 02-28-2013 |
20140006275 | ELECTRONIC IDENTIFICATION AND NOTIFICATION OF BANKING RECORD DISCREPANCIES | 01-02-2014 |
20140012651 | EARNING REWARDS VIA BILL PAYMENT - Embodiments of the invention are directed to systems, methods and computer program products associated with a bill payment feature that enables users to receive rewards for paying bills before their due dates. In some embodiments, a method comprises determining a bill due within a predetermined period in the future; initiating, via a mobile network, notification of the bill, an amount associated with the bill, and a due date associated with the bill; initiating, via the mobile network, a first option to pay the bill prior to the due date; and in response to determining the first option is selected: deducting, from an account, an amount of funds corresponding to the amount associated with the bill; providing a reward to the account; and transmitting, on the due date, the amount of funds to a merchant associated with the bill. | 01-09-2014 |
20140012691 | TRANSACTION MONITORING AND SAVINGS FEATURE - Systems and methods for monitoring categorized spending limits and promoting savings are provided herein. The systems and methods, identify transactions associated with a spending category that occur during a period of time based on the transaction data, where the spending category comprises a spend limit; provide a confirmation prompt on a display of a mobile device of a user that is in communication with the system; and deduct a transaction amount for each of the transactions from the spend limit in response to receiving a confirmation from the user. | 01-09-2014 |
20140012742 | ELECTRONIC PROCESSING OF PAPER INVOICES - Embodiments of the invention are directed to systems, methods, and computer program products for electronic processing of paper invoices. The invention allows provides a user with information about a paper invoice through the use of the user's mobile computing device. In some embodiments, a method comprises providing a computer processor executing computer readable code structured to cause the computer processor to (a) receive information associated with an image of the invoice, wherein the image is captured by a mobile computing device of the user; (b) identify the invoice based at least partially upon the information associated with the image of the invoice; (c) determine financial institution information associated with the invoice; and (d) present, via the mobile computing device of the user, an indication of the financial institution information. | 01-09-2014 |
20140012743 | CALENDAR BILL PAYMENT MANAGEMENT - Embodiments of the invention are directed to systems, computer-implemented methods, and computer program products for providing, via a mobile device associated with a user, a calendar for displaying one or more financial events including the steps of accessing a storage device associated with the mobile device to thereby retrieve information associated with the calendar and information associated with the one or more financial events, presenting, via a display of the mobile device, the calendar with the one or more financial events provided therein, wherein each of the one or more financial events is selectable by the user, providing, via each of the one or more financial events, one or more selectable features configured to allow the user to take an action relating to the one or more financial events. | 01-09-2014 |
20140012744 | BILL CONTROL - Embodiments of the invention are directed to systems, methods and computer program products for implementing bill control. The invention enables a user of a financial institution account to maintain controls over bills via a single interaction point. In some embodiments, a method comprises determining whether a bill is due within a predetermined period; in response to determining the bill is due within the predetermined period: initiating, via a mobile network, presentation of a duration in which the bill is due; initiating, via the mobile network, presentation of an option to authorize payment of the bill via the mobile network; and in response to receiving selection of the option to pay the bill, authorizing payment of the bill via a financial institution account. | 01-09-2014 |
20140012745 | FUTURE ACCOUNT VIEW - Embodiments of the invention are directed to systems, methods and computer program products enabling a user of an account to pictorially view available funds over a predetermined period in the future and thereby enable informed bill payment scheduling. In some embodiments, a method comprises determining, for a predetermined period in the future, at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a graphical indicator indicating the at least one bill payment; and initiating, via the mobile network, presentation of an account balance graph associated with the account based at least partially on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future. | 01-09-2014 |
20140012746 | BILL PAYMENT MANAGEMENT - Embodiments of the invention are directed to systems, methods and computer program products associated with a visual bill management feature that leverages projected account balances to schedule bill payment dates. In some embodiments, a method comprises determining at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a first graphical indicator indicating a bill payment date associated with the at least one bill payment, wherein the at least one bill payment is scheduled to made on the bill payment date; initiating presentation of an account balance graph associated with the account based on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future; and enabling shifting of the first graphical indicator to reschedule the bill payment date. | 01-09-2014 |
20140012754 | FINANCIAL DOCUMENT PROCESSING SYSTEM - Embodiments of the invention relate to systems, methods, and computer program products for providing a financial document processing system. The system receives an image of a financial document, such as a check, and identifies at least a transaction amount from the financial document. Then the system determines account information associated with the financial document. The system may identify a routing and account number on the financial document or identify the document based on a name on the document. Once the transaction amount and account information are known, the system determines a prospective balance for a financial account based on the account information and the transaction amount. If there are funds at least equal to the transaction amount in the financial account, the system validates the transactions. In some embodiments, the system also immediately updates the balance of the account and/or offers to complete the transaction. | 01-09-2014 |
20140101031 | Management of Contributions for a Goal - According to an embodiment, a contribution for a goal is managed. A monetary target associated with a goal is determined. A current savings level toward the monetary target is determined. A rule associated with a maximum contribution amount toward the monetary target is accessed. An amount for a contribution is calculated according to the monetary target, the current savings level, and the rule. The amount calculated for the contribution is transferred to an account associated with the goal. | 04-10-2014 |
20140101072 | SYSTEM AND METHOD FOR DISPLAYING A GIVING PLAN - According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request to display a giving plan associated with a donor. The processors determine beneficiaries and assets of the donor. The processors also determine an allocation plan that associates one or more of the assets with one or more of the beneficiaries. The interface displays the giving plan comprising a graphical representation of the beneficiaries and a relative value of the assets associated with each beneficiary based on the allocation plan. The giving plan also comprises interactive features that facilitate modifying the graphical representation in order to visualize a potential change to the allocation plan. | 04-10-2014 |
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 |
20140129432 | STATEMENT COLLECTION, CONSOLIDATION, AND FACILITATION - Embodiments of the invention include systems, methods, and computer-program products for providing vendor statement management for a user, including the receiving, monitoring, and paying of statements with no or minimal user required interaction. As such, the invention provides a facilitated access to accurate statement information from all of the vendors or service providers consolidated into one reliable source. Embodiments of the present invention provide a system for statement management. Specifically, embodiments of the invention allow for determining vendor statements associated with a user, consolidating the found vendor statements, monitoring those statements, notifying user if vendor statement need attention or payment, and providing payment from a payment account for the vendor statement. | 05-08-2014 |
20140129442 | FINANCIAL INSTITUTION ACCOUNT NETWORKING - Embodiments of the invention include systems, methods, and computer-program products for provide a user with a central location that links one or more of the user's financial accounts into a single location for viewing and transacting with any of the one or more financial accounts. As such, the invention provides a facilitated access to one or more user financial accounts from any or all financial institutions consolidated into one source. Embodiments of the present invention provide a system for financial account linkage. Specifically, embodiments of the invention allow for monitoring, viewing, transacting, and transferring funds associated with any of the financial accounts of a user. The financial account monitoring program may be provided to a user via his/her mobile device in an interactive account monitoring/transaction fashion. | 05-08-2014 |
20140156506 | SELF-SERVICE USING MOBILE DEVICE - Embodiments of the invention are directed to systems, methods and computer program products for enabling self-service at a facility. In some embodiments, a system is configured to: determine a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; prompt the user to perform, on the mobile device, an action associated with the intended transaction while the user is waiting to interact with at least one of the agent or the computing device. | 06-05-2014 |
20140156507 | LOCATION BASED BANKING - A system provides assistance to a user having a user device proximate a financial institution location by receiving a communication initiated by an application running on the user device without initiation by the user; establishing a connection with the user device; determining an identity of the user; determining a user purpose for visiting the location; and communicating instructions to the application running on the user device, the instructions to cause the user device to navigate to a page of a website of the financial institution corresponding to the determined user purpose for visiting the location. In some embodiments, the identity of the user is determined by determining whether a received PIN matches a stored PIN associated with a device ID received from the user device. | 06-05-2014 |
20140156525 | SECURE PROXIMATE LOCATION BANKING - A system provides assistance to a user having a user device proximate a financial institution location. The system determines a user device is within a wireless communication range of the system; establishes a secure connection between the system and the user device; receives user input comprising information indicating a user purpose for visiting the location; and transmits at least one communication based at least in part on the received user purpose for visiting the location. In some embodiments, the system receives user authentication information; authenticates the identity of the user; provides the user access to transactional functionality; receives user information indicating a type of transaction and transaction details; processes the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and communicates a message indicating the transaction has been processed to the user. | 06-05-2014 |
20140156536 | TRANSACTION PREPARATION USING MOBILE DEVICE - Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device. | 06-05-2014 |
20140164223 | TARGET FINANCIAL INSTITUTION CHANNEL MIGRATION BASED ON TRANSACTION HISTORY - Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration based on patterns or trends in a customer's transaction history. Once a trend is identified, such as a customer makes weekly deposits at a banking center, recommendations for alternative financial channels are determined which are optimal to the financial institution, the customer or both. Optimization is defined in terms of the customer by the recommended transaction channels being more efficient/less time-consuming and in terms of the financial institution the recommended transaction channels being more cost efficient. Once the recommended transactions channels are determined, an alert is communicated to the customer in the form of email, text message, online/mobile banking posting or the like. | 06-12-2014 |
20140164224 | TARGETING BANKING CENTER CUSTOMERS FOR CHANNEL MIGRATION WITH BANKING CENTER REPRESENTATIVE-PERSONALIZED ALERTS - Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration away from first channel, such as banking centers and towards other transaction channels using banking representative-personalized recommendation alerts. In this regard the present invention serves to inform and encourage financial institution customers to use other more optimal financial institution channels for conducting transactions. Once recommendations for alternative transaction channels have been determined, alerts are generated and communicated within a selected time frame after the banking center transaction has been conducted. In addition to the recommendations, the alert is personalized by the banking center representative that assisted the customer, so as to further gain the attention of the customer. Moreover, the alerts may include further information to encourage the customer to use the recommendations, such as directions to the alternative financial institution channels, instructions for using the alternative channels and the like. | 06-12-2014 |
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 |
20140244483 | MOBILE DEVICE AS A TIME CLOCK FOR PAYMENT - Systems, methods, and computer program products provide for notifying service customers of a verified period of time which a service provider has been located at a service location and, based on the notification, initiate payment, and in some embodiments, automated payment, to the service provider for the services rendered. As service customers are not required to be present when service is provided or at least upon completion of the service. Moreover, the remote service customer can be assured that a service provider was present at a verified location for a specified period of time, and, based on the assurance, initiate payment to the service provider. | 08-28-2014 |
20140257898 | PROVIDING SPECIAL RESOURCE AVAILABILITY INFORMATION - Embodiments of the invention are directed to systems, methods and computer program products for providing special resource availability information to a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine special resource availability information associated with the financial institution physical location; and provide the determined special resource availability information to the customer. In some embodiments, the special resource availability information comprises information corresponding to an availability of at least one financial specialist based at the financial institution physical location. Some such embodiments, if the customer is travelling to the location, determine whether the at least one financial specialist will be present when the customer arrives at the location; and, if the customer is currently located in proximity to the location, determine whether the at least one financial specialist is present at the financial institution physical location. | 09-11-2014 |
20140257914 | PROVIDING INTERACTION EFFICIENCY INFORMATION TO A CUSTOMER - Embodiments of the invention are directed to systems, methods and computer program products for providing interaction efficiency information to a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information associated with the financial institution physical location; and provide the determined interaction efficiency information to the customer. The interaction efficiency information may include information related to one or more wait times at the financial institution physical location, where the one or more wait times include a wait time for a drive through station outside the financial institution physical location and a wait time for a teller inside the financial institution physical location. In some embodiments, the interaction efficiency information includes one or more visual representations of one or more wait lines associated with one or more stations of the financial institution physical location. | 09-11-2014 |
20140258007 | MOBILE DEVICE AS POINT OF TRANSACTION FOR IN-STORE PURCHASES - Systems, methods and computer programs provide for implementing a mobile communication device, such as a smart telephone or the like, as a point of transaction for in-store purchases, such that all a customer needs to do is capture the coded indicia of products they desire (i.e., scan the products) with their mobile communication device as they shop and the purchase transaction will subsequently occur based on either the customer (in possession of the mobile communication device) being physically located in a designated area of the store or the lapse of a predetermined period of time from when the coded indicia was captured. | 09-11-2014 |
20140258061 | DETERMINING EFFICIENT INTERACTION PATH FOR A CUSTOMER - Embodiments of the invention are directed to systems, methods and computer program products for providing an efficient interaction path for a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information for at least two interaction paths associated with the financial institution physical location; compare the interaction efficiency information for the interaction paths to determine a most efficient interaction path for the customer; and provide, to the customer, information associated with the determined most efficient interaction path for the customer. Some embodiments determine an expected business of the customer visiting the financial institution physical location; and determine the interaction efficiency information for the at least two interaction paths associated with the financial institution physical location based at least in part on the determined expected business of the customer. | 09-11-2014 |
20140258062 | LOAD BALANCING OF FINANCIAL INSTITUTION CHANNELS - Embodiments of the invention are directed to systems, methods and computer program products for balancing a load of financial transaction channels. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine load information for at least two interaction paths associated with the financial institution physical location; compare the load information for the interaction paths; determine, based on the comparison of the load information for the interaction paths, an interaction path to recommend to the customer; and provide, to the customer, information associated with the recommended interaction path. In some cases, the load information includes a capacity percentage corresponding to the capacity of the interaction path with respect to a predetermined full capacity for each of the interaction paths. | 09-11-2014 |
20140358799 | ALERT PACKAGING AND BUNDLE SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for providing alert packages. An exemplary apparatus is configured to: provide a user with an option to enroll into an alert packaging service; receive the users acceptance of enrollment in the alert packaging service, wherein enrollment in the alert packaging service comprises the user agreeing to receive one or more alert packages; receive user information associated with the user's account; and bundle one or more alerts into an alert package based at least partially on the received user information. | 12-04-2014 |
20150046304 | ANALYSIS OF E-RECEIPTS FOR CHARITABLE DONATIONS - Embodiments of the invention are directed to apparatus, methods, and computer program products for analyzing transaction item-identifying data, such as e-receipts, for the purpose of identifying which transactions or items in a transaction qualify as charitable contributions and in some embodiments verifying or confirming that the transaction or items in the transaction are charitable contributions for the purpose of tax deductions. Additionally, the invention may determine the items and/or portion of the overall or item purchase amount that qualifies as a charitable contribution for tax deductions purposes. In addition, the invention provides for automatically communicating verified charitable contribution information to a third party or database that will insure that the charitable contribution receives consideration when the customer's income tax filings are prepared. | 02-12-2015 |
20150046307 | ITEM LEVEL PERSONAL FINANCE MANAGEMENT (PFM) FOR DISCRETIONARY AND NON-DISCRETIONARY SPENDING - Embodiments of the invention are directed to apparatus, methods, and computer program products for providing automatic determination of discretionary and non-discretionary spending at a transaction item-level and providing related item-level filtering within a personal financial management application, such as online banking, mobile banking or the like. Such item-level filtering provides the customer with the detail necessary to ascertain the discretionary spend versus non-discretionary spend impact of items on an overall customer budget and to make necessary changes in future purchases so as to positively impact the customer's budget constraints. | 02-12-2015 |
20150052035 | SHARED ACCOUNT FILTERING OF E-RECEIPT DATA BASED ON EMAIL ADDRESS OR OTHER INDICIA - Apparatus, methods, and computer program products are described providing, within a personal finance management application (e.g., online banking, mobile banking or the like), customer-based transaction filtering for shared financial accounts (i.e., joint account or accounts otherwise held by more than one individual/customer). The filtering is configured to present holders of the shared accounts views (e.g., windows, sortable lists or the like) of which transactions, and in some embodiments which items in those transactions, were conducted by which holders of the account. | 02-19-2015 |
20150066722 | Management Of Contributions For A Goal - According to an embodiment, a contribution for a goal is managed. A monetary target associated with a goal is determined. A current savings level toward the monetary target is determined. A rule associated with a maximum contribution amount toward the monetary target is accessed. An amount for a contribution is calculated according to the monetary target, the current savings level, and the rule. The amount calculated for the contribution is transferred to an account associated with the goal. | 03-05-2015 |
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 |