Patent application number | Description | Published |
20100049642 | ONLINE BILLPAY ATTACHMENTS - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. | 02-25-2010 |
20100049643 | ONLINE BILLPAY MEMO DATA - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. | 02-25-2010 |
20110288994 | Deposit Permissions For Non-Account Holders - Systems and methods for generating an access code are described. A first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity is received. The first individual is not an account owner of the account. The access code for permitting the first individual to deposit monetary funds into the account associated with the entity is generated. A second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is received, and the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is outputted. One or more restrictions may be placed on the ability to deposit monetary funds in the account. | 11-24-2011 |
20110288998 | Deposit For Non-Account Holders - Systems and methods for depositing monetary funds into an account are described. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Monetary funds from the first individual may be received for deposit in the account. The monetary funds may include cash, checks, credit card transfers, and/or debit card transfers. The receipt of the first request may be receipt of a paper ticket with an access code authorizing deposit of monetary funds into the account. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account. | 11-24-2011 |
20110288999 | Deposit Permissions For Specific Non-Account Holders - Systems and methods for permitting a specific individual to deposit monetary funds in an account are described. A first request to permit a specific individual to deposit monetary funds into an account associated with an entity may be received. The specific individual is not an account owner of the account. At least one account owner defined criterion identifying the specific individual is received, and data representing a permission for the specific individual to deposit monetary funds into the account associated with the entity is stored. The at least one criterion may include a name, an address, and/or some other identifier of the specific individual. One or more restrictions may be placed on the ability to deposit monetary funds in the account. Additional specific individuals with similar and/or different restrictions on the ability to deposit may be permitted to deposit monetary funds into the account. | 11-24-2011 |
Patent application number | Description | Published |
20100169202 | SECURE PLATFORMS FOR FINANCIAL TRANSACTION APPLICATIONS - Systems, methods, and computer program products are provided for a secure platform for conducting financial institution transactions. A game console platform is defined that provides for both individual customers and business customers to conduct financial transactions while ensuring higher integrity and confidentiality of the customer's transactions. Additionally, the platform provides for greater user-interface functionality and a heightened user experience. | 07-01-2010 |
20100169659 | GAMING CONSOLE-SPECIFIC USER AUTHENTICATION - Systems, methods, and computer program products are provided for user authentication required for conducting online financial institution transactions. The disclosed embodiments leverage the capabilities of platforms other than conventional personal computers and laptops, such as gaming consoles and wireless devices. Unique intrinsic user activities, such as controller motions or activities, built-in hardware signatures or other input data associated with a gaming console are used as the authentication mechanism, so as to provide a higher degree of security in the overall authentication process by lessening the likelihood of password replication or interception during network communication. | 07-01-2010 |
20110202474 | Life Calendar - A method for providing a life calendar for a user includes gathering and tracking user data. The user data includes data associated with user-specific events and financial data. Recommendations are determined for the life calendar user based on the user data and may be refined based on bank data. Upon request, the life calendar is presented to the user populated with at least one of user data, user events, and recommendations. | 08-18-2011 |
20110246272 | MERCHANT-BASED COMMUNITY REWARDS - Embodiments of the invention provide methods, apparatuses, and computer program products for providing community rewards. For example, systems and methods are provided for: (1) accessing transaction data associated with a particular financial institution; (2) determining a threshold; (3) identifying from the transaction data a group of transactions associated with a predefined community and time period; (4) aggregating a particular aspect of the group of transactions associated with the predefined community to determine a community total; and (5) determining that a reward should be provided to the community based on a comparison of the community total and the threshold. In some embodiments, the predefined community is defined at least in part by a particular one or more merchants. | 10-06-2011 |
20110246279 | COMMUNITY REWARDS - Embodiments of the invention provide methods, apparatuses, and computer program products for providing community rewards. For example, systems and methods are provided for: (1) accessing transaction data associated with a particular financial institution; (2) determining a threshold; (3) identifying from the transaction data a group of transactions associated with a predefined community and time period; (4) aggregating a particular aspect of the group of transactions associated with the predefined community to determine a community total; and (5) determining that a reward should be provided to the community based on a comparison of the community total and the threshold. In some embodiments, the predefined community is defined by a particular geographic area. In other embodiments, the predefined community is created by the consumers themselves. | 10-06-2011 |
Patent application number | Description | Published |
20120108884 | MULTI-POLAR MAGNETIC DEVICES FOR TREATING PATIENTS AND METHODS THEREFOR - A system for treating patients includes a first magnetic device including a set of four magnetic discs arranged in a square array, the four magnetic discs including two having negative magnetic poles lying in a first plane and two having positive magnetic poles lying in the first plane, wherein the two magnetic discs having negative magnetic poles extend along a first diagonal line and the two magnetic discs having positive magnetic poles extend along a second diagonal line that crosses the first diagonal line, and a housing containing the four magnetic discs for maintaining the magnetic discs in the square array arrangement, the housing including an alignment marker for aligning the first magnetic device on a patient. | 05-03-2012 |
20130317278 | MULTI-POLAR MAGNETIC DEVICES FOR TREATING PATIENTS AND METHODS THEREFOR - A system for treating patients includes a first magnetic device including a set of four magnetic discs arranged in an array, the four magnetic discs including two having negative magnetic poles lying in a first plane and two having positive magnetic poles lying in the first plane, wherein the two magnetic discs having negative magnetic poles extend along a first diagonal line and the two magnetic discs having positive magnetic poles extend along a second diagonal line that crosses the first diagonal line, and a housing containing the four magnetic discs for maintaining the magnetic discs in the array arrangement, the housing including an alignment marker for aligning the first magnetic device on a patient. | 11-28-2013 |
20140335476 | METHODS OF TREATING DENTAL PATIENTS USING MULTI-POLAR MAGNETIC DEVICES - A method of treating a dental patient includes performing a dental procedure, conducting muscle response testing for indentifying a location for treatment, placing a magnetic device over the location identified during the muscle response testing, and aligning the magnetic device over the location for influencing energy flow in the patient. The magnetic device includes a set of four magnetic discs arranged in an array including two having negative magnetic poles lying in a first plane and two having positive magnetic poles lying in the first plane. The two magnetic discs having negative magnetic poles extend along a first diagonal line and the two magnetic discs having positive magnetic poles extend along a second diagonal line that crosses the first diagonal line. A housing for maintaining the magnetic discs in the array has an alignment marker for aligning the magnetic device on the dental patient. | 11-13-2014 |
Patent application number | Description | Published |
20080196721 | QUICK CONNECT PRESSURE REDUCER/CYLINDER VALVE FOR SELF-CONTAINED BREATHING APPARATUS - A quick pressure reducer and cylinder valve for use with an SCBA includes a cylinder valve that connects to a pressure vessel, a pressure reduction assembly for reducing the pressure of breathing air provided by the pressure vessel, a probe, and an inlet/latch assembly. The probe includes a notch and a threadless probe tip, and the inlet/latch includes a corresponding receptacle and one or more latches adapted to fit into the notch to retain the probe in the receptacle. A pushbutton switch in the receptacle is triggered by insertion of the probe tip therein, thereby providing an electrical signal. Probes of different lengths may be used to correspond to different pressure capacities, and the inlet/latch assembly may be arranged either to permit the insertion of only probe size or may be arranged to accept both sizes but to function differently based on the size of the probe. The latches are inoperable except at or below a nominal pressure. | 08-21-2008 |
20080196725 | QUICK CONNECT PRESSURE REDUCER/CYLINDER VALVE FOR SELF-CONTAINED BREATHING APPARATUS - A quick pressure reducer and cylinder valve for use with an SCBA includes a cylinder valve that connects to a pressure vessel, a pressure reduction assembly for reducing the pressure of breathing air provided by the pressure vessel, a probe, and an inlet/latch assembly. The probe includes a notch and a threadless probe tip, and the inlet/latch includes a corresponding receptacle and one or more latches adapted to fit into the notch to retain the probe in the receptacle. A pushbutton switch in the receptacle is triggered by insertion of the probe tip therein, thereby providing an electrical signal. Probes of different lengths may be used to correspond to different pressure capacities, and the inlet/latch assembly may be arranged either to permit the insertion of only probe size or may be arranged to accept both sizes but to function differently based on the size of the probe. The latches are inoperable except at or below a nominal pressure. | 08-21-2008 |
20080216837 | QUICK CONNECT PRESSURE REDUCER/CYLINDER VALVE FOR SELF CONTAINED BREATHING APPARATUS - A quick pressure reducer and cylinder valve for use with an SCBA includes a cylinder valve that connects to a pressure vessel, a pressure reduction assembly for reducing the pressure of breathing air provided by the pressure vessel, a probe, and an inlet/latch assembly. The probe includes a notch and a threadless probe tip, and the inlet/latch includes a corresponding receptacle and one or more latches adapted to fit into the notch to retain the probe in the receptacle. A pushbutton switch in the receptacle is triggered by insertion of the probe tip therein, thereby providing an electrical signal. Probes of different lengths may be used to correspond to different pressure capacities, and the inlet/latch assembly may be arranged either to permit the insertion of only probe size or may be arranged to accept both sizes but to function differently based on the size of the probe. The latches are inoperable except at or below a nominal pressure. | 09-11-2008 |
20140076322 | High Pressure Air Cylinders for Use with Self-Contained Breathing Apparatus - A self-contained breathing apparatus includes an air cylinder pressurized to about 5500 psig, wherein the air cylinder is compatible with infrastructure used in conjunction with the air cylinder. The self-contained breathing apparatus also includes a first regulator valve for reducing air pressure from the air cylinder to a predetermined level. A second regulator valve is also provided for reducing the air pressure from the predetermined level to a level suitable for use by an operator, wherein air is supplied from the second regulator valve to the operator via a mask. The self-contained breathing apparatus further includes a frame for supporting the air cylinder on the back of the operator. Other embodiments are described and claimed. | 03-20-2014 |