Patent application number | Description | Published |
20080294514 | SYSTEM AND METHOD FOR REMOTE DEPOSIT CAPTURE AND CUSTOMER INFORMATION GATHERING - A system and method for integrated remote deposit capture and customer information gathering on a merchant's workstation where a plurality of checks are received from customers of the merchant and an image of each check is captured. Each check image is interrogated using image recognition software. A customer name and address on each check are identified. A list containing each identified customer name and address is created at the merchant's workstation and the list is stored. The list is useable by the merchant for marketing or gathering customer information where the customer information may include demographics of the customers. The customer information may also be used to identify checks from the same customer to determine a customer frequency useable to identify repeat customers. The list may be stored in a database. The marketing may include sending marketing materials from the merchant to the customers on the list. | 11-27-2008 |
20090092309 | ENSURING IMAGE INTEGRITY USING DOCUMENT CHARACTERISTICS - Image integrity in an archive can be verified using document characteristics. Embodiments of the invention provide a way to verify the integrity of a stored document image by determining document characteristics, which can also be embedded in the image file. Before allowing access to the image file by an application, the characteristics data from an image analysis can be compared to either or both of, characteristics information otherwise stored, or embedded characteristics data. The embedded data can optionally be encrypted. In example embodiments the data can include a result of an optical character recognition of contents of the document, a length of data describing the image, a percentage of a specified color of pixels in the image, or a checksum. Example embedding techniques can include those making use of a tagged image file format (TIFF) header, a steganographic watermark, or an image artifact. | 04-09-2009 |
20090164390 | SYSTEMS AND METHODS FOR ALTERING MAIL ROUTING, MAIL PROCESSING, AND/OR MODE OF DELIVERY - The present invention provides systems, methods, and computer program products for altering delivery of a piece by altering either the delivery address, mode of processing, and/or the mode of delivery. The invention provide an indicia associated with the piece of mail including instructions that are at least one of a different delivery address, mode of processing, or a mode of delivery than that originally designated for the piece of mail. During mail sorting and processing, the indicia associated with the piece of mail are analyzed. Either the delivery address, mode of processing, and/or mode of delivery currently associated with the piece of mail are altered to conform with the delivery address, mode of processing, and/or mode of delivery indicated by the indicia. In some embodiments, the indicia is altered by on a business parameter, such as a monetary value associated with the contents of the piece of mail. | 06-25-2009 |
20090319424 | POSTAL MAIL DEPOSIT AGENCY - Apparatus and methods for electronically depositing a check in a bank account. In some embodiments, the apparatus and methods may involve a check identification module configured to analyze content of an electronically imaged postal mail item; and a customer control module configured to receive from a customer an instruction to deposit the check in the bank account. | 12-24-2009 |
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 |
20100223165 | FINANCIAL TRANSACTION ANNOTATIONS - Embodiments of the invention relate to systems, methods, and computer program products for annotating financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a processor. In one embodiment, the memory device includes information regarding a plurality of bank accounts stored therein, and the processing device is configured to receive an indication of a transaction involving a first bank account stored in the memory device, send a request for ancillary information about the transaction to a party associated with the first bank account, receive ancillary information, such as a photograph of a product purchased in the transaction, from the party associated with the first bank account, and associate, in the memory device, the received ancillary information with the transaction. | 09-02-2010 |
20110252384 | WIRELESS DISPLAY APPLICATION - Systems and methods are illustrated that relate to displaying an output screen from a mobile device on a monitor in communication with a computer through a wireless network. The systems and methods may include the steps of: connecting the mobile device to the computer via a network, converting an output screen from the mobile device into a transferrable command, sending the transferrable command to the computer via the network, receiving the transferrable command from the mobile device, translating the transferrable command into one of a plurality of monitor display screens, sending the one of the plurality of monitor display screens to a monitor in communication with the computer, and/or displaying the one of a plurality of monitor display screens on the monitor. | 10-13-2011 |
20110309137 | SELF-SERVICE MACHINE PROBLEM CODE - Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) presenting, to the user via a user interface associated with the self-service machine, a code based at least partially on the determining that the problem occurred; (c) receiving the code from the user; and/or (d) initiating a claim for the user based at least partially on the receiving the code from the user, where the claim relates to the problem. | 12-22-2011 |
20110313923 | SELF-SERVICE MACHINE CONTACT ME NOW - Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) prompting, via a user interface associated with the self-service machine, the user to submit a request, where the request is to receive, at a mobile device accessible to the user, a communication regarding the problem; (c) receive the request via the user interface; and/or (d) send the communication regarding the problem to the mobile device accessible to the user. | 12-22-2011 |
20120229624 | REAL-TIME IMAGE ANALYSIS FOR PROVIDING HEALTH RELATED INFORMATION - Systems, methods, and computer program products are provided for using real-time video analysis and AR or the like to assist the user of mobile devices with commerce activities. Through the use of real-time vision object recognition objects, logos, artwork, products, locations and other features that can be recognized in the real-time video stream can be matched to health related information regarding the object and/or the user. The health related information may be presenting to the user of the mobile device in conjunction with display of the associated object in a live video stream. | 09-13-2012 |
20120229625 | PROVIDING AFFINITY PROGRAM INFORMATION - Systems, methods, and computer program products are provided for using real-time video analysis and AR or the like to assist the user of mobile devices with commerce activities. Through the use of real-time vision object recognition objects, logos, artwork, products, locations and other features that can be recognized in the real-time video stream can be matched to affinity program information regarding the object and/or the user. The affinity program information may be presenting to the user of the mobile device in conjunction with display of the associated object in a live video stream. | 09-13-2012 |
20120229647 | REAL-TIME VIDEO IMAGE ANALYSIS FOR PROVIDING SECURITY - System, method, and computer program product are provided for using real-time video analysis to provide the user of mobile devices with security, no matter the user's location. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream and frequented locations of the user can be established. In this way, a baseline layout of the frequented location is determined, such that the objects and individuals typically in the frequented area are recognized. The system may continue to take real-time video images of the frequented location, such that if a variation in the baseline layout occurs, the change may be alerted. In this way, a security compromise, such as a break-in to a user's home may be detected by the system and thus the system may notify the user or the appropriate authorities. | 09-13-2012 |
20120229657 | PROVIDING DATA ASSOCIATED WITH RELATIONSHIPS BETWEEN INDIVIDUALS AND IMAGES - In general terms, embodiments of the present invention relate to methods and apparatuses for providing information regarding relationships between individuals, who may be associated with a user of a mobile device, and objects (e.g., products, locations, businesses, etc.) identified in an image. In some embodiments, this image may be captured by a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving first information associated with an image, where the image was captured by a mobile device operated by a user; (b) receiving second information regarding one or more individuals; (c) determining, based at least partially on the first and second information, one or more relationships between information regarding individuals and information associated with the image; and (d) presenting, via the mobile device of the user, information associated with the one or more relationships. | 09-13-2012 |
20120230538 | PROVIDING INFORMATION ASSOCIATED WITH AN IDENTIFIED REPRESENTATION OF AN OBJECT - Methods, apparatus systems and computer program products are described herein that provide for using video or still shot analysis, such as AR or the like, to assist the user of mobile devices with receiving information corresponding to an abstraction or representation of a subject. Some subjects are difficult to capture in a video or still shot. The method and devices described herein capture representations of difficult to capture or unavailable subjects and presents information related to the subject with the representation. In an embodiment, the representation is a screenshot and the information is provided related to the application that is represented by the screenshot. Various other types of representations including depictions, advertisements, portions of, and identifying marks can be identified by the system and method and information presented relating to the corresponding subjects. In some cases, the information is customized with financial information of the user. | 09-13-2012 |
20120230539 | PROVIDING LOCATION IDENTIFICATION OF ASSOCIATED INDIVIDUALS BASED ON IDENTIFYING THE INDIVIDUALS IN CONJUNCTION WITH A LIVE VIDEO STREAM - Systems, methods, and computer program products are provided for using real-time video analysis, such as AR or the like to assist the user of a mobile device with commerce activities. Through the use of real-time vision object recognition faces, physical features, objects, logos, artwork, products, locations and other features that can be recognized in the real-time video stream can be matched to data associated with such to assist the user with commerce activity. The commerce activity may include, but is not limited to: identifying individuals associated with the user, identifying locations associated with individuals who are associated with the user, identifying groups of individuals who share a trait, or the like. In specific embodiments, the data that is matched to the images in the real-time video stream is specific to financial institutions, such as customer financial behavior history, customer purchase power/transaction history and the like. | 09-13-2012 |
20120230540 | DYNAMICALLY INDENTIFYING INDIVIDUALS FROM A CAPTURED IMAGE - Embodiments of the invention are directed to methods and apparatuses for capturing a real-time video stream using a mobile device, determining, using a processor, which images from the real-time video stream are associated with individuals meeting a user defined criteria, and presenting on a display of the real-time video stream, one or more indicators, each indicator being associated with an image determined to be a person meeting the predefined criteria. | 09-13-2012 |
20120230548 | VEHICLE RECOGNITION - System, method, and computer program product are provided for using real-time video analysis to provide information about vehicles to a user. Through the user of real-time vision object recognition an image of a vehicle VIN number or a portion of a vehicle may be captured using an image capture device. The VIN number or the portion the vehicle that was captured via the real-time video analysis may be analyzed to determine information about the vehicle. The information may include information about the vehicle, such as the make, model, year, price, vehicle history, and the like. Furthermore, information about the individual's finances, such that an individual may know budgeting of purchasing a vehicle. The information about the vehicle and financial information about purchasing the vehicle is presented to the user. | 09-13-2012 |
20120230557 | PROVIDING INFORMATION REGARDING MEDICAL CONDITIONS - Systems, methods, and computer program products are provided for using real-time video analysis and AR or the like to assist the user of mobile devices with commerce activities. Through the use of real-time vision object recognition medical conditions can be recognized in the real-time video stream and can be matched to medical condition related information regarding the medical condition and can also be matched to one or more targeted offers for products related to the medical condition. The medical condition related information may be presenting to the user of the mobile device in conjunction with display of the associated medical condition in a live video stream. Further, in some embodiments, a product can be recognized as products related to a previously recognized medical condition and indicators associated with the recognized products can be presented with the real-time video stream. | 09-13-2012 |
20120230577 | RECOGNIZING FINANCIAL DOCUMENT IMAGES - Embodiments of the invention are directed to methods, apparatus systems and computer program products that provide for using real-time video analysis for recognizing financial document images by capturing a real-time video stream using a mobile device, wherein the video stream features one or more financial documents, analyzing and correlating the images in the real-time video stream to the images necessary to process the financial document, providing notice to a user of additional images needed to process the financial document and communicating the information associated with the financial document to a financial institution to complete a transaction once sufficient images of the financial document have been captured to process the financial document. | 09-13-2012 |
20120231424 | REAL-TIME VIDEO IMAGE ANALYSIS FOR PROVIDING VIRTUAL INTERIOR DESIGN - System, method, and computer program product are provided for using real-time video analysis, such as augmented reality, to assist a user of a mobile device with interior design. Through the use of real-time object recognition features, logos, artwork, products, locations, etc. can be recognized in a real-time video stream and can subsequently be matched with data associated with such to assist the user with selecting the proper design elements for a space, such as a kitchen. The proper design elements may be based off of several factors regarding the design space, include the dimensions of the space, the location of windows, doors and outlets, geographic and positional data, other space features, current design elements, architectural features, décor, and style data of the space, etc. This invention provides a virtual area with design elements, such that a user may view the area and determine the proper décor for the area. | 09-13-2012 |
20120231425 | REAL-TIME VIDEO IMAGE ANALYSIS FOR PROVIDING VIRTUAL LANDSCAPING - System, method, and computer program product are provided for using real-time video analysis, such as AR or the like to assist the user of mobile devices with landscape design. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to assist the user with selecting the proper landscape elements for the area the user wishes to landscape. The proper landscape elements may be based off of several factors regarding the landscape area. These factors include natural characteristics of the area, such as soil type, weather, sun/shade, natural terrain of the area, etc. This invention provides recommended landscape elements for an area, such that the recommended landscape elements have a high rate of success in the area. | 09-13-2012 |
20120231814 | REAL-TIME ANALYSIS INVOLVING REAL ESTATE LISTINGS - In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for presenting information associated with a real estate listing in an augmented reality environment. For example, in some embodiments, a method is provided that includes (a) receiving positioning information from a mobile device; (b) identifying, based at least partially on the positioning information, a real estate property; (c) determining that the real estate property is subject to a real estate listing; and (d) presenting, via the mobile device, information that indicates that the real estate property is subject to a real estate listing. | 09-13-2012 |
20120231840 | PROVIDING INFORMATION REGARDING SPORTS MOVEMENTS - Systems, methods, and computer program products are provided for using real-time video analysis, such as AR or the like to assist the user of a mobile device with commerce activities. Through the use of real-time vision object recognition faces, physical features, objects, logos, artwork, products, locations and other features that can be recognized in the real-time video stream can be matched to data associated with such to assist the user with commerce activity. The commerce activity may include, but is not limited to: providing information regarding sports movements, analyzing movements associated with sports or exercises, providing information and recommendations regarding techniques and equipment, and supplying information about locations where equipment may be purchased. In specific embodiments, the data that is matched to the images in the real-time video stream is specific to financial institutions, such as customer financial behavior history, customer purchase power/transaction history and the like. | 09-13-2012 |
20120232937 | REAL-TIME IMAGE ANALYSIS FOR MEDICAL SAVINGS PLANS - In general terms, embodiments of the present invention relate to methods, apparatuses, and computer program products for providing health or flexible spending account information in association with products identified in an augmented reality environment. In some embodiments, a method is provided that includes: (a) receiving information associated with an image, where the image was captured by a mobile device; (b) determining, based at least partially on the information associated with the image, that the image shows a product that qualifies for purchase under a medical savings plan; and (c) presenting, via the mobile device, information that indicates that the product qualifies for purchase under the medical savings plan. | 09-13-2012 |
20120232954 | PROVIDING SOCIAL IMPACT INFORMATION ASSOCIATED WITH IDENTIFIED PRODUCTS OR BUSINESSES - Embodiments of the invention are directed to methods and apparatuses for capturing a real-time video stream using a mobile computing device, determining, using a computing device processor, which images from the real-time video stream are associated with goods and businesses consistent with a predetermined social impact, and presenting on a display of the real-time video stream, one or more indicators, each indicator being associated with an image determined to be consistent with a predetermined social impact. | 09-13-2012 |
20120232966 | IDENTIFYING PREDETERMINED OBJECTS IN A VIDEO STREAM CAPTURED BY A MOBILE DEVICE - A system for processing a video stream is disclosed. The system includes a processing device configured for analyzing the surrounding environment represented in the video stream for at least one predetermined object. At least one predetermined object is identified within the surrounding environment. The object(s) to be identified may be predetermined based on at least one user preference. The system alerts the user once a predetermined object is identified. Information associated with identified predetermined object is presented to the user. In one embodiment, the information is presented via augmented reality such that one or more virtual objects are superimposed over the video stream. The virtual objects may be interactive. | 09-13-2012 |
20120232968 | REAL-TIME VIDEO IMAGE ANALYSIS FOR AN APPROPRIATE PAYMENT ACCOUNT - System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to assist the user of mobile devices with selecting an appropriate payment account for a transaction. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to assist the user with selecting an appropriate payment account for a transaction. The recommended appropriate payment account is based on the type of transaction, the payment accounts available to the user, financial institution considerations, and financial plans of the user. This invention allows a user to make a purchase at a point-of-sale and have confidence that the transaction will be implemented to the payment account that provides the best promotional benefits for the user based on the user's individual needs. | 09-13-2012 |
20120232976 | REAL-TIME VIDEO ANALYSIS FOR REWARD OFFERS - Systems, methods, and computer program products are provided for using real-time video analysis, such as augmented reality or the like to assist the user of mobile devices with reward offers. Methods include recognizing one or more objects captured in a real-time video stream, where each object is associated with a marker; determining that the one or more objects are associated with a reward offer based on the marker; and presenting one or more indicators, each indicator being associated with the reward offer. In specific embodiments, the information associated with the object captured in the real-time video stream is analyzed based on financial data associated with a user. | 09-13-2012 |
20120232977 | REAL-TIME VIDEO IMAGE ANALYSIS FOR PROVIDING TARGETED OFFERS - System, method, and computer program product are provided for using real-time video analysis, such as augmented reality or the like to assist the user of mobile devices with selecting products or business through the use of targeted offers. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to assist the user with selecting products and business. Targeted offers for product and business selection may be based on the financial behavior, pre-selected favorites, or recommendations of the user, individuals associated with the user, or other individuals. This invention allows a user to make a purchase at a point-of-sale and have confidence that the product or service purchased is the proper one to fit the user's needs. | 09-13-2012 |
20120232993 | REAL-TIME VIDEO IMAGE ANALYSIS FOR PROVIDING DEEPENING CUSTOMER VALUE - System, method, and computer program product are provided for using real-time video analysis to provide deepening value offers for products or services to the user. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to a directory associated with products a financial institution may be able to provide to the user at a discounted rate. Deepening value offers for product/services may be based on a financial institution's unique position with commercial partners. Commercial partners may be business, retailers, merchants, and/or manufacturers. In return for the deepening value offer, the financial institution may request the user deepen his/her relationship with the financial institution. This invention allows a user to receive an offer through his/her mobile device, in the form of a discount, at the point-of-sale for the same or similar product. | 09-13-2012 |
20120233003 | PROVIDING RETAIL SHOPPING ASSISTANCE - Systems, methods, and computer program products are provided for using real-time video analysis and AR or the like to assist the user of mobile devices with commerce activities. Through the use of real-time vision object recognition products, points of sale or other retail shopping objects can be recognized in the real-time video stream and can be matched to shopping assistance related information regarding the retail shopping object. The shopping assistance related information may be presented to the user of the mobile device in conjunction with display of the associated retail shopping object in a live video stream or presented audibly or otherwise non-visually. In some embodiments, the mobile device functions as a transaction device. | 09-13-2012 |
20120233015 | POPULATING BUDGETS AND/OR WISH LISTS USING REAL-TIME VIDEO IMAGE ANALYSIS - System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to provide the user of a mobile device with real-time budgeting and wish lists. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to provide the user with real-time budget impact and wish list updates based on the products and budget data determined as being the object. In this way, the objects, which may be products and/or budget data in the real-time video stream, may be included into a user's budget and/or wish list, such that the user receives real-time budget and/or wish list updates incorporating product and/or budget data located in a real-time video stream. | 09-13-2012 |
20120233025 | RETRIEVING PRODUCT INFORMATION FROM EMBEDDED SENSORS VIA MOBILE DEVICE VIDEO ANALYSIS - A system for accessing product information from embedded sensors via mobile device video analysis is disclosed. The system includes a processing device configured for analyzing a video stream of the surrounding environment captured on a mobile device. At least one product that has one or more embedded sensors associated therewith is identified within the surrounding environment. The system retrieves information associated with the one or more products from the one or more embedded sensors. Information retrieved, or information derived from the information retrieved, from the embedded sensors is presented to the user via a display of the video stream on the mobile device. | 09-13-2012 |
20120233032 | COLLECTIVE NETWORK OF AUGMENTED REALITY USERS - Embodiments of the invention provide for using video analysis, such as augmented reality or the like to assist a group of users to utilize mobile devices for creating a collective network environment of users that identifies objects in which one or more users in a group of users may be interested, and notifies the one or more users of information associated with the object. A collective network comprises a group of users that each have a mobile device that contains or is otherwise operatively coupled to a data capture device. For example, the mobile device may be a mobile phone that is capable of taking video with a camera device. A user in the collective network may capture video on his mobile device, and an application can identify the object in the video and provide interested users in the collective network with information about the object. | 09-13-2012 |
20120233033 | ASSESSING ENVIRONMENTAL CHARACTERISTICS IN A VIDEO STREAM CAPTURED BY A MOBILE DEVICE - A system for processing a video stream is disclosed. The system includes a processing device configured for analyzing the surrounding environment represented in the video stream for at least one marker that is indicative of an environmental characteristic. At least one marker is identified within the surrounding environment. Once identified, information associated with the environmental characteristic is presented to the user. In one embodiment, the information is presented via AR such that one or more virtual objects are superimposed over the video stream. The virtual objects may be interactive. | 09-13-2012 |
20120233070 | PRESENTING OFFERS ON A MOBILE COMMUNICATION DEVICE - Systems, methods, and computer program products provide for presentation of product offers in conjunction with a live video stream that includes images of the product or images associated with the product. The invention identifies products located proximate to a mobile communication, for example using real-time object recognition techniques, product codes, wireless communication or the like to identify products. Once the products are identified, related offers are determined and offer indicators are presented proximate to the location of the image in the live video stream. | 09-13-2012 |
20120233072 | CONDUCTING FINANCIAL TRANSACTIONS BASED ON IDENTIFICATION OF INDIVIDUALS IN AN AUGMENTED REALITY ENVIRONMENT - Embodiments of the invention are directed to methods and apparatuses for conducting financial transactions based on identification of individuals in an augmented reality environment. The method includes capturing a video stream using a mobile computing device; analyzing, using a computing device processor, the video stream to distinguish between individuals and objects; identifying an individual in the video stream; authenticating the identity of the individual; and conducting the transaction after the individual is authenticated. The method may also include presenting indicators associated with the user, the identified individual, or the financial transaction. | 09-13-2012 |
20120233089 | PRESENTING INVESTMENT-RELATED INFORMATION ON A MOBILE COMMUNICATION DEVICE - Methods, systems, computer programs are described that provide for presenting investment-related information in conjunction with display of a live video stream that includes the related publicly traded or privately held business entity or an object associated with the business entity. Business entities or the objects associated with the business entities that are proximate to a mobile communication device may be identified via object recognition techniques, product codes, wireless communication, location determination or the like. Once the business entities or objects have been identified, the related investment information is retrieved and indicators are displayed in the live video stream proximate to the display of the business entity or an object associated with the business entity. The user can activate the indicator to receive further investment-related information or be connected to an online investment broker for the purpose of purchase stock or some other form of investment instrument associated with the business entity. | 09-13-2012 |
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 |
20130018787 | ATM PROVIDED PAYMENT PROCESS - System, method, and computer program product are provided for a user to send and receive P | 01-17-2013 |
20130030887 | CUSTOMER REWARD AND LOYALTY SYSTEM - Embodiments of the invention relate to systems, methods, and computer program products for implementing a customer loyalty rewards program by assigning point values to a customer's completion of certain activities, monitoring the customer's activities to determine when the customer has completed an activity, crediting the customer the assigned value of points for the completed activities, correlating points to one or more rewards and facilitating the exchange of rewards. | 01-31-2013 |
20130030888 | SYSTEM FOR ALLOWING CUSTOMERS TO CHOOSE REWARDS - Embodiments of the invention relate to systems, methods, and computer program products for allowing a customer to choose rewards as part of a customer incentive program by receiving a first customer input, wherein the first customer input is a characteristic of the customer, receiving a second customer input, wherein the second customer input is a category of reward in which the customer is interested, correlating the first customer input to a plurality of activities to be completed by the customer, correlating the second customer input to rewards to be provided to the customer for completing an activity, monitoring the customer's activities to determine when the customer has completed an activity and providing a reward to the customer corresponding to the completed activity. | 01-31-2013 |
20130030925 | CONTEXT-AWARE MOBILE BANKING SOLUTION - A context-aware mobile banking system determines a location of a user of the mobile device, identifies at least one product of interest to the user based at least in part on the determined location of the user, determines based on the determined product of interest, information corresponding to the product of interest, and presents the information corresponding to the product of interest to the user. In some embodiments, the system retrieves user budgeting information including a plurality of budget categories each having an associated budget amount and an associated remaining amount indicating an amount remaining in from the budget amount, determines a budget category from the plurality of budget categories associated with the product of interest, and determines the budget amount and remaining amount associated with the determined budget category. The system then may present information corresponding to the remaining amount and the budget amount to the user. | 01-31-2013 |
20130030994 | BUDGET MONITOR, ALERT, AND BILL PAYMENT FACILITATION SYSTEM - A budget monitoring, alerting and bill payment facilitation system retrieves macro-budgeting information associated with a user, where the macro-budgeting information includes a plurality of budget categories each having an associated budget amount corresponding to a macro time period, divides the budget amount corresponding to the macro time period into a plurality of micro budget amounts corresponding to a plurality of micro time periods, and presents, to the user by a mobile device, micro-budgeting information corresponding to at least one of the plurality of micro budget amounts or its corresponding micro time period. In some embodiments, the system retrieves user data, determines the user may be experiencing a life event based on the user data, where the micro-budgeting information is based on the determination that the user may be experiencing a life event, and confirms that the user is experiencing a life event. | 01-31-2013 |
20130033522 | PREPOPULATING APPLICATION FORMS USING REAL-TIME VIDEO ANALYSIS OF IDENTIFIED OBJECTS - Embodiments of the invention are directed to methods and apparatuses for populating documents based on identification of objects in an augmented reality environment. The method includes capturing a video stream using a mobile computing device; determining, using a computing device processor, the object; identifying a document associated with the object; populating at least a portion of the document; and submitting the document. The method may also include presenting indicators associated with the user, the identified document, or a financial transaction associated with the document. The method may also include providing recommendations or suggestions to the user related to alternative offers associated with the document. Systems and computer program products for populating forms using video analysis of identified objects are also provided. | 02-07-2013 |
20130046589 | VARYING OFFERS BASED ON PROXIMITY TO CUSTOMER'S CURRENT LOCATION - Embodiments of the invention are directed to methods, systems, apparatus and computer program products are described herein for communicating offers to customers based in part on the distance from the customer to the merchant's location after receiving an indication of a point of transaction event by receiving an indication of a point-of-transaction event, collecting positioning information related to the customer, determining the distance between the customer and the merchant, correlating the distance between the customer and the merchant to offers to entice the customer to travel to the merchant's location and communicating the offers to the customer. | 02-21-2013 |
20130046602 | METHOD OF PROVIDING AN OFFER BASED ON PROXIMITY TO A POINT OF SALE TRANSACTION - Embodiments of the invention include systems, methods, and computer-program products that provide for a unique offer system, wherein the offer is generated based on proximity to a point-of-transaction device. In one embodiment of the invention, the computer-implemented method receives data associated with a financial transaction at a point-of-transaction device. The computer-implemented method then identifies the identity of the user conducting the transaction and the location of the transaction. Using the location of transaction, the computer-implemented method determines offers located in proximity to the user and provides those offers to the user. In some embodiments, the offers are customized for the user based on some characteristic of the transaction or the user. In further embodiments, the user is guided to a business associated with the offer by directions provided by the computer-implemented method. | 02-21-2013 |
20130046603 | METHOD OF PROVIDING AN OFFER BASED ON A PROJECTED PATH TRIGGERED BY A POINT OF SALE TRANSACTION - Embodiments of the invention include systems, methods, and computer-program products that provide for a unique offer determination system. In one embodiment of the invention, offers are provided based on a projected path of a user triggered by a transaction at a point-of-transaction device. The system receives data associated with a transaction at a point-of-transaction device, determines the identity of the user conducting the transaction, predicts a projected path or future action of the user based on the transaction, and provides an offer to the user based on the projected path. In an embodiment, the system predicts the projected path based on pattern recognition analysis of the user's transaction history. | 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 |
20130046624 | OPTIMIZING ROUTING BASED ON OFFERS - Embodiments of the invention comprise optimizing travel routes for purchasing the products in which a user is interested. In some embodiments the system may provide the user with an optimized route based on the best offers available from various businesses. The best offers may be based on products with the lowest prices, highest quantities, highest user ratings, most convenient locations, etc. The offers may also be based on the user's current location, past location, future location, etc. Optimization of the route may also take into account user transaction history, user profile data, the time a user spends in a location, discounts, etc. In some embodiments of the invention the optimized route may be split between two or more people, over one or more trips, that may occur over one or more days, in order to maximize the best available offers with minimal expenditures of time, money, etc. | 02-21-2013 |
20130046625 | PROVIDING FINANCIAL INSTITUTION INFORMATION OR OFFERS TO USER THAT ARE DETERMINED TO BE OR WILL BE TRAVELLING - Methods, apparatus and computer-program products are described for providing travel- location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user. | 02-21-2013 |
20130046626 | OPTIMIZING OFFERS BASED ON USER TRANSACTION HISTORY - Embodiments of the invention are directed to a system, method, or computer program product for providing offers to purchase products or services to a user, the offers being tailored to the user. Embodiments of the invention allow a user to receive offers to purchase products based on the user's transaction history, offer acceptance history, demographic, or offers for products that the user wishes. In this way, the user receives offers for products that he/she may be interested in instead of having to find offers he/she is interested in by searching all the offers available to him/her. A financial institution may receive information regarding the user's transaction history, offer acceptance history, demographic, or watch list. This information may provide parameters for a filter to which offers may be provided to the user, such that the offers that are provided to the user may be of interest to him/her. Thus, the system may optimize the offers provided to the user to ensure that the offers the user receives are ones that he/she may have an interest in using to purchase a product or service. | 02-21-2013 |
20130046631 | PROVIDING OFFERS TO USERS DETERMINED TO BE TRAVELLING BASED ON POINT-OF-SALE TRANSACTION DATA - Methods, apparatus and computer-program products are described for providing travel-location merchant information, such as offers or the like, to users who are determined to be at a travel location based on Point-Of-Transaction (POT) data. Embodiments of the invention compare the location of the transaction as indicated by the POT data to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be at a travel location. Once the travel location is determined, travel location merchant information, such as offers or the like are identified and communicated to the user. | 02-21-2013 |
20130046632 | POINT OF SALE TRIGGERING OF OFFERS ALONG A PROJECTED TRAVEL ROUTE - Embodiments of the invention are directed to methods, systems, apparatus and computer program products are described herein for communicating offers to customers along a projected travel route after receiving an indication of a point of transaction event by collecting positioning information related to the customer, analyzing the positioning information to project the customer's likely route of travel, identifying one or more offers in which the customer may be interested, based in part on the customer's projected likely route of travel and communicating the offers to the customer. | 02-21-2013 |
20130046633 | DETERMINING MERCHANTS IN A TRAVEL LOCATION THAT ARE THE SAME OR SIMILAR TO MERCHANTS USED BY A USER AND PROVIDING MERCHANT INFORMATION TO THE USER - Methods, apparatus and computer-program products are described for determining that a user is at or will be at a travel location based on financial institution transaction data and identifying merchants at the travel location that are the same or similar to merchants previously used by the user. Once the same or similar merchants have been identified, information, such as merchant offers, associated with the same or similar merchants is communicated to the user via a chosen communication mechanism. | 02-21-2013 |
20130046634 | COMBINING OFFERS FROM MULTIPLE MERCHANTS BASED ON THE GEOGRAPHIC PROXIMITY OF THE MERCHANTS - Embodiments of the invention are directed to a system, method, or computer program product for providing offers to purchase products or services to a user, the offers being for products of merchants located within geographic proximity to each other, to entice a user to visit that location. Offers may be received by a user throughout a day or when the user enters into a transaction. Once the user enters into a transaction at a merchant, the financial institution may receive data regarding that transaction. The data may provide the financial institution an indication as to the user's location and products the user is purchasing. The financial institution may then provide the user with offers to purchase other products. These offers may be for products similar to the products the user is currently purchasing. These offers, however, are within are for merchants within close geographic proximity to each other. These offers may entice users to enter other stores within a similar geographic location, such that the user may add to his/her shopping experience by frequenting merchants not typically frequented by that user. | 02-21-2013 |
20130046635 | TRIGGERING OFFERS BASED ON DETECTED LOCATION OF A MOBILE POINT OF SALE DEVICE - In general terms, embodiments of the invention relate to methods and apparatuses for triggering the broadcast of offers based on the detected location of a mobile point-of-transaction device. For example, a method is provided that includes: (a) receiving transaction information associated with a financial transaction that occurred on a mobile point-of-transaction (“POT”) device; (b) determining, via a computing system, an entity associated with the mobile POT device; (c) determining a current geographic location of the mobile POT device; (d) determining a geographically targeted audience based at least partly on the current geographic location of the mobile POT device for use in transmitting information associated with the entity; and (e) transmitting information associated with the entity at a time triggered by the computing system. | 02-21-2013 |
20130046645 | SYSTEM AND METHOD FOR POINT OF TRANSACTION AUTHENTICATION - Embodiments of the invention provide a method a authenticating a transaction at the point of transaction. In some embodiments of the invention, the user conducts the transaction through the use of a mobile computing device that is capable of communication with a point of transaction device. In some embodiments of the invention, the user authenticates the transaction through the use of the mobile computing device. In some embodiments, a method is provided that includes: (1) receiving information associated with a transaction involving a user; (2) prompting the user to authenticate the transaction; (3) receiving authentication data from the user; and (4) sending information associated with the authentication data. | 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 |
20130046690 | SYSTEM AND METHOD FOR CREDENTIAL LENDING - Embodiments of the invention provide a method for allowing a first user to authorize a second user to perform a financial transaction using the first user's financial account information. In some embodiments, the second user conducts the transaction through the use of a mobile computing device that communicates with a point of transaction device. In some embodiments, the first user authorizes a second user to perform a financial transaction using the first user's account through the use of the personal computing device. In some embodiments, a method is provided that includes: (1) receiving a request from the first user to authorize the second user to perform a financial transaction; (2) receiving a parameters from the first user restricting a scope of the financial transaction that the second user is authorized to perform; (3) transmitting information associated with the request to a mobile computing device associated with the second user. | 02-21-2013 |
20130046692 | FRAUD PROTECTION WITH USER LOCATION VERIFICATION - Embodiments of the invention provide fraud protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location. | 02-21-2013 |
20130046717 | PREDICTING FUTURE TRAVEL BASED ON A USER'S HISTORICAL FINANCIAL INSTITUTION TRANSACTION DATA AND PROVIDING OFFERS BASED ON THE PREDICTED FUTURE TRAVEL - Methods, apparatus and computer-program products are described for providing travel-location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user. | 02-21-2013 |
20130054367 | MOBILE DOOR BUSTER OFFER TRANSMISSION BASED ON HISTORICAL TRANSACTION DATA - A method communicates one or more offers to a customer by determining a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users. The method then correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, collects a second set of data, wherein the second set of data comprises information related to historical transaction data corresponding to one or more of the plurality of users, determines to which of the plurality of users to make offers based at least in part on historical transaction data, and communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants. | 02-28-2013 |
20130054368 | MOBILE DOOR BUSTER OFFER TRANSMISSION WITH VARYING OFFER VALUES - A method for communicating one or more offers to users determines a distance between each of the users and one or more merchants, based at least in part on a first set of data including information related to users and locations, each corresponding to one or more of the users, correlates the distance between each of the users and the merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the merchants, determines to which of the users to make offers, communicates the offers to the determined users based on the correlated distance between each of the users and the merchants, monitors acceptance rate of the offers, and communicates one or more modified offers to one or more users based on the monitored acceptance rate of the offers. | 02-28-2013 |
20130054369 | MOBILE DOOR BUSTER OFFER TRANSMISSION WITH MOBILE USER OFFER ACCEPTANCE OR REDEMPTION - A method for communicating one or more offers to one or more users determines a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users, correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, determines to which of the plurality of users to make offers, communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants, and receives, communicated from a mobile device of a user, acceptance or redemption of one or more of the offers. | 02-28-2013 |
20130173393 | CUSTOMIZING OFFERS BASED ON THE OPPORTUNITY COST OF THE USER - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for providing users customized offers that reflect the user's opportunity cost associated with accepting the offer. In this regard, the customized offers may include additional savings, in terms of an additional discount, percentage-off or other incentive, to account for the user's specific transportation costs, time costs and the like. In additional embodiments the customization accounts for the user's propensity for accepting offers and adjusts the offer discount, percentage-off or other incentive based on their historical acceptance rates. By customizing the offers to account for opportunity costs, and in some embodiments historical offer acceptance rates, the present invention serves to increase offer acceptance, thereby benefiting the program provider and/or the merchants offering the offers/deals. | 07-04-2013 |
20130191193 | SHOPPING PLAN MANAGEMENT - Embodiments of the invention include systems, methods, apparatuses, and computer-program products that provide shopping plan optimization. In one embodiment of the invention, information associated with a shopping plan is retrieved by the system; the shopping plan may include a grocery or other shopping list. The system compares the information associated with the shopping plan to a database. The database may include information associated with a plurality of merchants and businesses. The system optimizes the shopping plan based at least partially on the comparison of the information associated with the shopping plan to the database. In an embodiment, the system optimizes the shopping by determining an efficient travel route based on the products and/or items in the shopping plan. | 07-25-2013 |
20130191232 | ENHANCED MOBILE APPLICATION FOR ASSISTING USERS AT A POINT OF TRANSACTION - Embodiments of the invention include systems, methods, and computer-program products that provide for an enhanced mobile application for assisting users at a point-of-transaction (POT). In one embodiment of the invention the POT assistance application program may determines that a user is conducting a transaction with a merchant. The user may utilize a user device to assist in the transaction. First, the user device may be paired with a POT system, such as a cash register. Once the devices are paired a communication link is created that allows the user to audibly and/or visually monitor the transaction using the user device. Furthermore, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction using the POT assistance application program. | 07-25-2013 |
20130191246 | DIRECTIONAL WAYFINDING - Embodiments of the invention include systems, methods, and computer-program products that provide for a unique directional wayfinding system. In one embodiment of the invention, products are received from the user, such as a shopping list or wish list. The system determines the location of the user, determines the location of the product in the business, determines a route from the user to the product, and provides instructions to the user along the route. In an embodiment, the system identifies and/or confirms the product when the user reaches the product. In at least one embodiment, the systems, methods, and computer-program products provide functionality for the visually-impaired to assist in everyday shopping for products in businesses. | 07-25-2013 |
20130191279 | MOBILE DEVICE WITH REWRITABLE GENERAL PURPOSE CARD - A mobile device with a rewritable general purpose card is disclosed. The mobile device includes a mobile wallet accessible to the user such that the user may select a payment vehicle (e.g., debit card, credit card, gift card, etc.) or other vehicle (e.g., merchant loyalty cards, membership cards, rewards cards, medical cards, insurance cards, identification cards, etc.) and encode data related to that vehicle to the rewritable general purpose card. The user may then utilize the encoded general purpose card to make a transaction. Generally, the general purpose card includes one or more displays which may be configured to display information, graphics, data, etc. (e.g. account number, expiration date, user identification such as name and/or photograph, card brand logo, bar codes or other codes readable to an electronic device, etc.). | 07-25-2013 |
20130191789 | CONTROLLING A TRANSACTION WITH COMMAND GESTURES - Embodiments of the invention include systems, methods, and computer-program products that provide for a unique system for controlling transactions based on command gestures. In one embodiment of the invention, a computer-implemented method determines that a user is conducting a transaction with a mobile device. The mobile device senses a gesture performed by the user with the mobile device and alters at least one aspect of the transaction based on the gesture. The gestures can control a wide variety of aspects of the transaction. For example, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction. In an embodiment, the user is able to customize the gestures to control the transaction according to the user's preferences. | 07-25-2013 |
20130201306 | VIDEO-ASSISTED CUSTOMER EXPERIENCE - A video-assisted customer experience is disclosed. Generally, the experience includes a communications link between a user and a business representative facilitated by an external apparatus such as an ATM, mobile device, user's workstation, teleconferencing system, etc. The communications link may be a one or two-way video link such that the user may view video of the business representative or a representation of the business representative. The experience utilizes speech-recognition technology to incorporate subtitles in the video stream. | 08-08-2013 |
20130339165 | PAYMENT VEHICLE RECOMMENDATIONS BASED ON PAYMENT RULES - Systems and methods for providing payment vehicle recommendations are provided herein. In the systems and methods, a transaction associated with one of a transaction amount and purchase items is identified based on the transaction data; one or more payment rules associated with the transaction are identified; the terms of the one or more payment rules are compared with the transaction amount or purchase items; the most favorable payment vehicle for the transaction is determined based on the comparison of the terms of the one or more payment rules and the transaction amount or purchase items; and a recommendation of at least one payment vehicle is provided based on the determination of the most favorable payment vehicle on a display of a mobile device of a user. | 12-19-2013 |
20140006113 | ELIGIBILITY ASSISTANCE IN SOCIAL MEDIA OFFER SYSTEM | 01-02-2014 |
20140006128 | SYSTEMS AND METHODS FOR PRESENTING OFFERS DURING A SHOPPING EXPERIENCE | 01-02-2014 |
20140006136 | EXPEDITED REGISTRATION AND PROCESSING OF OFFERS AT A POINT OF TRANSACTION | 01-02-2014 |
20140006149 | NOTIFYING CUSTOMERS POST-TRANSACTION OF ALTERNATIVE PAYMENT TYPES ACCEPTED BY A MERCHANT | 01-02-2014 |
20140006151 | OFFERS ASSOCIATED WITH FUEL PURCHASE | 01-02-2014 |
20140006165 | SYSTEMS AND METHODS FOR PRESENTING OFFERS DURING AN IN-STORE SHOPPING EXPERIENCE | 01-02-2014 |
20140006175 | SOCIAL MEDIA OFFER SYSTEM | 01-02-2014 |
20140006183 | AUTOMATIC ACTIVATION OF MOBILE PAYMENT MECHANISMS BASED ON IDENTIFIED MOBILE PAYMENT TYPES ACCEPTED BY A MERCHANT | 01-02-2014 |
20140006186 | READABLE INDICIA FOR FUEL PURCHASE | 01-02-2014 |
20140006187 | READABLE INDICIA FOR FUEL PURCHASE | 01-02-2014 |
20140006188 | MOBILE DEVICE FOR FUEL PURCHASE | 01-02-2014 |
20140006199 | MOBILE SYSTEM FOR PRE-PROCESSING SALES RETURNS | 01-02-2014 |
20140006224 | SYSTEM FOR PRE-PROCESSING SALES RETURNS | 01-02-2014 |
20140006259 | SYSTEM FOR ITEM LEVEL PAYMENT VEHICLE SUGGESTION | 01-02-2014 |
20140006272 | NOTIFYING MOBILE DEVICE USERS OF A SUGGESTED PAYMENT TYPE PRIOR TO CONDUCTING A TRANSACTION AT A MERCHANT | 01-02-2014 |
20140006274 | ELECTRONIC CARD RENDERING FOR MOBILE WALLET | 01-02-2014 |
20140006275 | ELECTRONIC IDENTIFICATION AND NOTIFICATION OF BANKING RECORD DISCREPANCIES | 01-02-2014 |
20140025468 | READABLE INDICIA FOR A REBATE REQUEST - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a rebate request. An exemplary system is configured to: receive information associated with readable indicia associated with a rebate request; and process the readable indicia to issue a rebate associated with a rebate request, wherein the rebate comprises issuance of a credit associated with a purchase previously made from the merchant. | 01-23-2014 |
20140025570 | READABLE INDICIA FOR BILL PAYMENT - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for bill payment. An exemplary system is configured to: receive information associated with readable indicia associated with a bill; and process the readable indicia to initiate one or more options to schedule payment for the bill, wherein the one or more options comprise a first option to pay the bill immediately, a second option to schedule payment of the bill at a predetermined time in the future, and a third option to establish an electronic link to the merchant in order to schedule periodic payment of the bill. | 01-23-2014 |
20140025574 | READABLE INDICIA FOR A PAYMENT CLAIM - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a payment claim. An exemplary system is configured to: receive information associated with readable indicia associated with a payment claim; receive authentication credentials associated with the payment claim; and process the readable indicia and the authentication credentials to authorize a payment associated with the payment claim. | 01-23-2014 |
20140025581 | MOBILE TRANSACTIONS USING AUTHORIZED TOKENS - Conducting mobile transactions comprises determining, using a processor, whether a network is available to facilitate a mobile transaction. An interface, communicatively coupled to the processor, receives an encrypted token from a mobile device without using the network if the network is not available. The processor is further operable to process the encrypted token to complete the mobile transaction. | 01-23-2014 |
20140025585 | DISTRIBUTING AUTHORIZED TOKENS TO CONDUCT MOBILE TRANSACTIONS - Token rules that facilitate determining whether to generate a token for use in a mobile transaction are stored in a memory. The memory also stores token criteria associated with a user. A processor, communicatively coupled to the memory, accesses the token rules and determines whether to generate the token by applying at least a portion of the token rules to the token criteria associated with the user. The token is generated upon a determination to generate the authorized token, and the token is generated before the mobile transaction begins. An interface, communicatively coupled to the processor, communicates the token to a mobile device associated with the user. | 01-23-2014 |
20140025958 | IMPLEMENTING SECURITY MEASURES FOR AUTHORIZED TOKENS USED IN MOBILE TRANSACTIONS - Security measures for tokens comprise storing security rules associated with a generated token in a memory. A processor, communicatively coupled to the memory, accesses the security rules associated with the generated token and determines whether to encrypt the generated token by applying at least a portion of the security rules to the generated token. The processor encrypts the generated token. An interface, communicatively coupled to the processor, communicates the encrypted token to a mobile device associated with a user. | 01-23-2014 |
20140042218 | GENERATING READABLE INDICIA CUSTOMIZED FOR PRODUCT INFORMATION - Embodiments of the invention are directed to systems, methods and computer program products for collecting product information based on a navigation history of the user, the product information being associated with the product; generating a readable indicia based on the collected product information, wherein, in response to selection of the readable indicia, the readable indicia is configured to provide instructions for purchasing the product based on the collected product information; and presenting the readable indicia to the user for saving for subsequent consideration or distributing to one or more other users. In some embodiments, shipping information indicative of the user's desired destination address for the product is collected from user input and discount information is collected based on the navigation history of the user or user input. In such cases, the readable indicia may be generated based on all of the product information, the shipping information and the discount information. | 02-13-2014 |
20140046752 | ASSESSING ADVERTISEMENT IMPACT USING ADVERTISEMENT READABLE INDICIA - Embodiments of the invention are directed to systems, methods and computer program products for processing a readable indicia associated with an advertisement associated with a product. The invention presents a readable indicia in association with an advertisement, where the readable indicia includes instructions for triggering a data collection tool. The invention collects data from the data collection tool and analyzes characteristics of the readable indicia and the advertisement in order to determine a customer advertisement impact. The readable indicia may include information indicating at least one of a current date, a time of inception of the advertisement, a placement location of the readable indicia within the advertisement, or a visual characteristic of the readable indicia. | 02-13-2014 |
20140046854 | READABLE INDICIA FOR ADVERTISEMENTS - Embodiments of the invention are directed to systems, methods and computer program products for processing a readable indicia associated with an advertisement associated with a product. The invention decodes the readable indicia to determine product purchase information, wherein the product purchase information is associated with the product, receives authentication credentials associated with a payment account, and processes the authentication credentials to authorize a payment associated with the product purchase information. In some embodiments, the invention extracts a link from the readable indicia or a second readable indicia associated with the advertisement and initiates a user interface associated with the link. In some embodiments, the invention populates some or all the product purchase information into at least one of a user's notes, calendar or budget, and in some, the advertisement is placed proximate the product within a merchant's business. | 02-13-2014 |
20140048595 | PRE-SET READABLE INDICIA FOR VENDOR USE - Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia. | 02-20-2014 |
20140048596 | PRE-SET READABLE INDICIA FOR CUSTOMER USE - Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention receives and stores one or more pre-set readable indicia including instructions for providing a payment during a transaction; and presents one or more of the pre-set readable indicia to a merchant during a transaction for payment. In some embodiments, the pre-set readable indicia comprises a one-use payment token for payment during a transaction not to exceed a predetermined payment limit, and in some embodiments, the pre-set readable indicia comprises payment account information and the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment account information from the pre-set readable indicia. | 02-20-2014 |
20140052459 | READABLE INDICIA FOR HEALTHCARE PAYMENT CODES - Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for healthcare codes. As such, a readable indicia may be presented at a point-of-transaction (POT) for a user to select. The system may dynamically present the readable indicia based on the user, the merchant, and the products of the transaction. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with private viewing and selecting of alternative payment methods available to the user for that transaction. Alternative payment methods may include insurance or government programs. The system may receive authorization to apply one of the alternative payment methods to the transaction. As such, the invention provides private, yet expedited transaction capabilities using alternative payment methods at a merchant POT. | 02-20-2014 |
20140052460 | READABLE INDICIA FOR MEDICAL OFFICE PAYMENT - Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for medical office payments. As such, a readable indicia may be presented at a point-of-transaction (POT) at a medical treatment providers for a user to select. The system may dynamically present the readable indicia based on the user, the treatments provided, and the user's insurance coverage. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with expedited viewing of itemized treatments, insurance coverage for each treatment, and amount due for each treatment, co-pay amount, an amount to be paid by the insurance company, detectable information, and a total amount the user will owe the medical treatment provider. The system may receive authorization to accept the treatment and apply a payment means to the treatment. | 02-20-2014 |
20140052461 | READABLE INDICIA FOR INSURANCE PAYMENT - Embodiments of the invention include systems, methods, and computer-program products for providing a readable indicia for insurance payments. The system may provide a readable indicia on a statement from a treatment provider, such as a medical treatment provider, where the user's insurance may have covered a portion of the treatment price. The readable indicia may provide the user with itemized treatments received and payment methods for each. Furthermore, the system may provide the user with information associated with his/her insurance policy. The itemized treatments received may indicate the treatments that the user received from the medical provider during the visit, such as exams, tests, and the like. Payment methods for each include an amount, if any, that an insurance company may have contributed and/or the amount due from the user for the treatment. | 02-20-2014 |
20140052635 | TIME-SENSITIVE READABLE INDICIA FOR FUNDRAISING - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for fundraising. An exemplary system is configured to receive information associated with readable indicia associated with a non-profit organization; and process the readable indicia to authorize a payment to the non-profit organization. The readable indicia is valid for a predetermined period. Additionally, the readable indicia enables tracking of various types of information associated with fundraising. | 02-20-2014 |
20140058955 | READABLE INDICIA FOR PRODUCT REGISTRATION - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for product registration. An exemplary system is configured to: receive information associated with readable indicia associated with a purchase; and process the readable indicia to initiate registration of a product associated with the purchase. As used herein, product registration may comprise product registration and user registration. | 02-27-2014 |
20140074631 | DIGITAL RECEIPT ROUTING FEATURE - Systems, methods, and computer program products are provided for routing digital receipts. In the systems and methods, transaction data is received, where the transaction data includes a receipt authorization code. The receipt authorization code is associated with one or more rules that include certain transaction criteria. The transaction criteria and the transaction data are compared to determine that the transaction complies with the one or more rules. Receipt data for the digital receipts is determined based on the terms of the one or more rules. In the systems and methods, digital receipts are provided to the user and include at least some of the receipt data. | 03-13-2014 |
20140074675 | DIGITAL RECEIPT MANAGEMENT - Systems, methods, and computer program products are provided for managing digital receipts. The system includes a computer apparatus including a processor and a memory; and a digital receipt management software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor to receive a transaction record including information relating to a transaction. The system then determines a user account associated with the transaction record based on the information; associates the transaction record with a transaction in the user account; and creates a digital receipt based on the transaction record and the account history. The digital receipt is stored in association with the transaction in a digital receipt mailbox and provided to the user when the user accesses the transaction. Special offers, supplemental information, and recommendations may also be provided in the digital receipt. | 03-13-2014 |
20140074690 | DIGITAL RECEIPT ROUTER - Systems, methods, and computer program products are provided for routing digital receipts. In the systems and methods, transaction data is received, where the transaction data includes a receipt authorization code. The receipt authorization code is associated with one or more rules that include certain transaction criteria. The transaction criteria and the transaction data are compared to determine that the transaction complies with the one or more rules. Receipt data for the digital receipts is determined based on the terms of the one or more rules. In the systems and methods, digital receipts are provided to the user and include at least some of the receipt data. | 03-13-2014 |
20140081838 | NOTIFICATION OF ALTERNATIVE PAYMENT CHANNEL - Systems, methods, and computer program products are defined for notifying customers, post-transaction of the ability to change payment form for the just completed transaction. In addition, the notification may include the advantages presented by the alternative payment forms and/or the optimal payment form for the completed transaction. Once notified, the customer may effortlessly and automatically change the payment form if so desired. If the payment form is changed to an interest-bearing payment form, such as a credit or loan account, the customer may be subsequently notified with an option to automatically and immediately pay-off the transaction amount using another customer account, such as a savings account, checking account or the like. | 03-20-2014 |
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 |
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 |
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 |
20140104366 | SPLIT SCREEN PRESENTATION OF FUNCTIONALITY DURING A HOLD PERIOD PRIOR TO A CUSTOMER-SERVICE VIDEO CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for split-screen functionality to be provided to a user device during a hold period prior to a customer-service video conference. Specifically, according to defined embodiments, the present invention provides for a first portion of split-screen includes a visual depiction of a queue of users currently awaiting a video conference with the customer-service associate. The queue allows for the user/customer to gauge how long the hold period will last. In addition to the visual depiction of the hold queue, the split screen may provide for other portions of the screen to include other information and/or functionality such as, such as information related or unrelated to the impending video conference. | 04-17-2014 |
20140104369 | FUNCTIONALITY DURING A HOLD PERIOD PRIOR TO A CUSTOMER-SERVICE VIDEO CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for providing functionality to users during a hold period prior to conducting a customer-service video conference. In specific embodiments of the present invention, the user is able to exit the video conferencing application during the hold period and be subsequently notified when the hold period is about to end and the video conference about to start. Such exiting of the video conference application and subsequent notification of the imminence of the video conference, allows for the user to perform other functions/execute other applications on the device while being assured that the user will have opportunity to conduct the video conference when the user's position in the hold period queue indicates they are next in line for conducting the video conference. | 04-17-2014 |
20140104370 | REPRESENTATIVE SELECTION FOR CUSTOMER SERVICE CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection; and receive user input selecting one of the at least one representatives for conference connection. Some embodiments establish an operative connection between the user device and a representative system associated with the representative over which the user and the representative can conduct an audio-visual conference. | 04-17-2014 |
20140104371 | REPRESENTATIVE PRE-SELECTION FOR CUSTOMER SERVICE VIDEO CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; recognize the user as a customer enrolled in a representative pre-selection program; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection and determined based at least in part on the user having previously conferenced with the at least one representative; and receive user input selecting one of the at least one representatives for conference connection. | 04-17-2014 |
20140104372 | MULTIPLE-PARTICIPANT CUSTOMER SERVICE CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for receiving input to initiate a video conference with a first participant from a user; initiating the video conference between the user and the first participant; receiving a request to add at least a second participant to the video conference from at least one of the user and the first participant, the request comprising credentials associated with the second participant; determining that the second participant is authorized to join the video conference based on the credentials; and connecting the second participant to the video conference. | 04-17-2014 |
20140106721 | ADAPTIVE SCAFFOLDING OF LEVELS OF CONNECTIVITY DURING A CONFERENCE - Systems, methods, and computer program products for adaptively scaffolding of levels of connectivity between one or more customer devices during customer service conference are provided. The system includes various applications and features executable on a computing and/or mobile computing device. The system includes a user interface configured to present tools and features that allows a customer, during a digital conference with a bank representative, to manipulate the channels of communication, levels of connectivity or other features of the digital conference. In some instances, a scaffolding application on the bank's server may be provided to dynamically adjust the levels of connectivity and/or channels of communication of an ongoing digital conference session between a customer and a bank representative based on prior conferences involving the customer and/or a bank representative. As such, the system allows for self-directed and/or computer-aided adjustment of levels of connectivity during a conference. | 04-17-2014 |
20140108288 | PROVIDING A RECORD OF AN INTERACTIVE CONFERENCE - Embodiments of the invention are directed to systems, methods, and computer program products for providing a record of an interactive conference, such as a video conference. The systems, methods, and computer program products determine that an operative connection has been established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative are conducting a conference; identify a document referenced during the conference; capture at least a portion of the conference in a record; associate the document with the record; and store the record. Customers of financial institutions desire to have records of their interactions with representatives of the financial institution and the embodiments of this invention assist the customer in maintaining and organizing those records. | 04-17-2014 |
20140108557 | SYSTEM PROVIDING AN INTERACTIVE CONFERENCE - Embodiments of the invention are directed to systems, methods and computer program products for providing an interactive conference, such as a video conference. The system, methods, and computer program products determine that an operative connection is being established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative may conduct a conference; provide a document viewable by both the user and the representative during the conference; and enable the document to be edited by at least one of the user and the representative during the conference. The document may be an uploaded document or an account view. The system, method, and computer program product provide augmented service to customers of financial institutions when the customers are participating in a conference with a representative of the financial institution. | 04-17-2014 |
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 |
20140156448 | PAYMENT AUTHORIZATION PROMPTING CATEGORIZATION - Systems, methods, and computer program products are provided for prompting categorization during payment authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor receive an authorization request for a transaction being conducted by a user; prompt the user to categorize at least one component of the transaction; receive a category from the user for the at least one component of the transaction; and store the category in association with the transaction. In some embodiments, the system will not authorize the transaction until the user categorizes at least one component of the transaction. In further embodiments, the system evaluates the transaction and only prompts the user to categorize the transaction if predefined criteria are met. | 06-05-2014 |
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 |
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 |
20140156527 | PRE-PAYMENT AUTHORIZATION CATEGORIZATION - Systems, methods, and computer program products are provided for categorizing transactions prior to authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor to receive an input from a user associated with a component of a future transaction; determine that the user is conducting a transaction; determine a category associated with the input; associate the category with the transaction that is being conducted by the user; and store the category in association with the transaction. In some embodiments, the user provides the input by scanning a product or service using a mobile device. In further embodiments, the system determines the category by evaluating the product or service, evaluating previous categories identified at the user's location, or some combination thereof. | 06-05-2014 |
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 |
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 |
20140244369 | WISH LIST PRODUCT AVAILABILITY NOTIFICATION FOR A SOCIAL NETWORK-BASED WISH LIST - Systems, methods, and computer program products provide for generating a social network-based wish list of products desired by members of the social network and which are authorized to be purchased by other members of the social network on behalf of the member requesting the product. The present invention provides for automatically notifying a member of the social network that they are currently located at physical location, such as a retail store or the like, that currently has available one or more of the products on the wish list. The notifications may take the form of alerts communicated on the member's mobile communication device. Automatic notification occurs via a mobile communication device that is capable of identifying current location, determining that the current location has products available, and determine that one or more of the products currently available at the location are currently listed on the wish list. | 08-28-2014 |
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 |
20140258107 | GENERATING PERSONAL BANK NOTE USING READABLE INDICIA - Embodiments of the invention are directed to systems, methods and computer program products for generating a personal bank note using readable indicia for providing payment information to a merchant during a transaction with a user. Embodiments initiate generating the readable indicia on a portable hard copy, the readable indicia encoding the payment information for presentation to the merchant such that the merchant may read the readable indicia, determine the payment information stored in the readable indicia and complete the transaction using the determined payment information. Some embodiments initiate presenting a user interface for interacting with the user regarding the personal bank note; and receive, from an account owner using the user interface, and store the payment information in the memory device. Some such embodiments receive, from an account owner using the user interface, user input requesting generation of the readable indicia. | 09-11-2014 |
20140278897 | RETROACTIVE REWARDS BASED RECOMMENDATION OF PAYMENT VEHICLE TO INDIVIDUAL PRODUCTS OF A TRANSACTION - Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction on a product-by-product basis based on available rewards for each product. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. The invention may then apply individual products of the transaction to different recommended payment vehicles based on the maximum rewards each product may receive if applied to that payment vehicle. Once each product of the transaction has been reassigned to a recommended payment vehicle, the temporary line of credit may be terminated. | 09-18-2014 |
20140278970 | USING A FEDERATED NETWORK OF RETAILERS TO PROVIDE MESSAGES TO NETWORK CUSTOMERS OF ALL LOCATIONS OF A PARTICULAR NETWORK MERCHANT - Embodiments of the invention are directed to systems, methods and computer program products for communicating messages to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the network; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network of retailers; and present the offer is based on the determination. | 09-18-2014 |
20140278989 | DETERMINING AN OFFER BASED ON A PRE-PAID ACCOUNT BALANCE AND CONSUMER LOCATION - Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a prepaid account and a location of a consumer who is the holder of the prepaid account. In some embodiments, a method is provided that includes: (a) receiving geographic location information associated with a consumer; (b) receiving information associated with the prepaid account of the consumer, wherein the consumer is a holder of the prepaid account; (c) determining a balance value of the prepaid account of the consumer; and (d) determining an offer to present to the consumer based at least partially on the balance value of the prepaid account and the location of the consumer. | 09-18-2014 |
20140278999 | USING A FEDERATED NETWORK OF RETAILERS TO PROVIDE OFFERS TO GROUPS OF CUSTOMERS WITHIN A MERCHANT LOCATION - Embodiments of the invention are directed to systems, methods and computer program products for providing offers to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network; and present the offer based on the determination. | 09-18-2014 |
20140279004 | SEPARATING OFFERS ASSOCIATED WITH ONE ACCOUNT BASED ON GEOLOCATION OF ACCOUNT USERS - Embodiments of the invention are directed to systems, methods and computer program products for micro-targeting an offer based on geolocation information. An exemplary apparatus is configured to: determine a first user is accessing an account, wherein the account is associated with a first user and a second user, wherein the account is presented on a user interface; and in response to determining the first user is accessing the account, transmit a first offer to the first user based on geolocation information associated with the first user, wherein the first offer is presented on the user interface, and wherein the first offer enables the first user to receive a discount or a rebate on a transaction associated with the first offer. The apparatus may also be configured to transmit, in real-time, offers to the first user based on at least one of real-time or historical geolocation information associated with the first user. | 09-18-2014 |
20140279005 | SYSTEMS AND METHODS FOR PROVIDING AN OFFER BASED ON AN ACCOUNT BALANCE AND LOCATION OF A CONSUMER - Embodiments of the present invention relate to systems, methods, and computer program products for presenting an offer to a consumer based on account balance information and consumer location information. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with the mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine whether the balance value of the credit account has an existing balance value greater than zero; and (d) present, via the mobile computing device of the consumer, the offer to the consumer based at least in part on determining that the geographic location of the mobile device of the consumer is proximate to or coincident with a location of the merchant and determining that the existing balance value of the credit account associated with the merchant is greater than zero. | 09-18-2014 |
20140279006 | SYSTEMS AND METHODS FOR DETERMINING AN OFFER BASED ON AN ACCOUNT BALANCE AND LOCATION OF A CONSUMER - Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a credit account a location of a consumer having the credit account. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with a mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine a balance value of the credit account of the consumer; and (d) determine an offer to present to the consumer based at least partially on the balance value of the credit account and a determined location of the consumer. | 09-18-2014 |
20140279008 | PROVIDING AN OFFER BASED ON ENROLLING A DEBIT ACCOUNT INTO A MERCHANT-SPECIFIC ACCOUNT - Embodiments of the present invention relate to systems, methods, and computer program products for providing an offer to a user based on linking a financial account to a merchant-specific account. In some embodiments, a method is provided that includes: (a) determining whether a user is a holder of an existing merchant-specific account; (b) prompting the user to link a debit account to the existing merchant-specific account based at least partially on determining that the user is the holder of the existing merchant-specific account; (c) receiving debit account information for linking the existing merchant-specific account to the debit account of the user; and (d) providing the offer to the user based on successfully linking the debit account to the merchant-specific account. | 09-18-2014 |
20140279009 | SELF-SERVICE INTERCEPT ON OR OFF PREMISE - Embodiments of the invention are directed to systems, methods and computer program products for transmitting an offer to a user associated with an account. An exemplary apparatus is configured to: determine, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location; in response to determining the mobile device is within the predetermined distance of the reference location, transmit an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and provide an option for the user to accept the offer via the mobile device. | 09-18-2014 |
20140279010 | USING A FEDERATED NETWORK OF RETAILERS TO PROVIDE MESSAGES TO NETWORK CUSTOMERS ASSOCIATED WITH CATEGORIES OF MERCHANTS - Embodiments of the invention are directed to systems, methods and computer program products for communicating messages to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; create one or more messages based on the determination that the one or more customers are in proximity to the retailer physical location; and initiate communication of the one or more messages to the one or more customers. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. | 09-18-2014 |
20140279123 | GEOLOCATION CHECK-IN SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant. | 09-18-2014 |
20140279270 | PRE-ORDERING BASED ON LOCATION OF A CUSTOMER - Embodiments of the invention relate to systems and methods that enable a user to pre-order products from an internal or external organization. The organization procures the products and/or completes the pre-order, such as completes a payment for the pre-order or finishes the pre-order, based on the location of the user, as determined through the user's mobile device. The order is only completed when the customer location is determined to be within a desired location of the collection point for the pre-order. Preparation of the products pre-ordered by the user commences upon the user location satisfying a predetermined criteria, such as the user being located an approximate distance from a particular location, the user having an approximate arrival time from a particular location, the user located within an electronic geographic fenced area around a particular location, or the user identified as moving with respect to a particular location. | 09-18-2014 |
20140279409 | RECOMMENDING RETROACTIVE VEHICLE FOR PAYMENT BASED ON IN-FLOWS AND OUT-FLOWS - Embodiments of the invention are directed to a system, method, or computer program product for recommending a payment vehicle for a transaction, retroactively. In this way, the invention provides retroactive payment vehicle recommendation after the transaction has occurred based on criteria from customer inputs, customer in-flows, and customer out-flows. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. Subsequently the system may apply the transaction to the determined recommended payment vehicle. Then the temporary line of credit may be terminated. | 09-18-2014 |
20140279411 | PRE-ARRANGING PAYMENT ASSOCIATED WITH MULTIPLE VENDORS WITHIN A GEOGRAPHIC AREA - Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to execute at least one purchase transaction in a geographical area. An exemplary apparatus is configured to: receive identification information from a mobile device when a user associated with the mobile device enters a geographical area; receive geolocation information from the mobile device; receive payment preference information; determine, based on the geolocation information and the identification information, a purchase transaction being executed by a user of the mobile device in the geographical area; store transaction information associated with the purchase transaction; and process the transaction information, based on the payment preference information, upon determining the mobile device is exiting or has exited the geographical area. | 09-18-2014 |
20140279453 | Bill Payment Using Check Image - Aspects herein describe at least a new method, system, and computer readable storage media for facilitating bill payment by way of using an image of a check. A computing system may transmit a bill payment request to a wireless computing device associated with an account holder of a bill payment account. The computing system may determine whether an account holder of the bill payment account holds a funding account held at the first organization, and as a result, may transmit a request to the wireless computing device for an image of a check associated with a second organization when the account holder of the bill payment account does not hold a funding account at the first organization. Bill payment may be made by way of an ACH transaction using a routing number and an account number obtained from the image of the check. | 09-18-2014 |
20140279471 | SINGLE PAYMENT CARD FOR FLEXIBLE PAYMENT VEHICLE OPTIONS FOR A TRANSACTION - Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule. | 09-18-2014 |
20140279485 | DROPBOX INTERACTION - Embodiments of the invention are directed to systems, methods and computer program products for providing an interactive conversation box to a customer of a financial institution. Embodiments initiate presentation, to the customer of the financial institution, of an interface comprising a graphical interactive conversation box; initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of a graphical element representing a transaction; receive customer selection of the graphical element for inclusion in the conversation box; and initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of the graphical element or a representation of the graphical element superimposed over the conversation box or presented as part of the conversation box. In some embodiments, the presentation of the conversation box, once initiated, is persistent during presentation of an online banking session. | 09-18-2014 |
20140279490 | AUTOMATED TELLER MACHINE (ATM) USER LOCATION VERIFICATION - Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether out-of-network transaction costs and/or an out-of-area transaction costs are associated with an ATM transaction associated with an authorized user. It is also determined whether a geographic location associated with the ATM transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If out-of-network transaction costs and/or an out-of-area transaction costs are associated with the ATM transaction, it is determined whether to reduce the out-of-network transaction costs and/or an out-of-area transaction costs associated with the ATM transaction based at least partially on whether the geographic location associated with the ATM transaction is geographically proximate to the geographic location associated with the mobile device. | 09-18-2014 |
20140279503 | PROVIDING CUSTOMER ALERTS BASED ON GEO-THRESHOLDS - Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether a geographic location associated with a transaction is geographically located within geo-thresholds associated with an authorized user and/or whether the geographic location associated with the transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If neither the geographic location associated with the transaction is geographically located within the geo-thresholds nor the geographic location associated with the transaction is geographically proximate to the geographic location associated with the mobile device, an alert is sent to the authorized user and/or to a merchant associated with the transaction. | 09-18-2014 |
20140279505 | RECOMMENDING VEHICLE FOR PAYMENT BASED ON SOCIAL NETWORK DATA - Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction based on social network data. Embodiments of the invention allow a customer to receive a recommended payment vehicle for a transaction with a merchant where the recommended payment vehicle is determined based on social network data. In this way, a payment recommendation may be based on one or more preferences of a trusted advisor, social network friend, family member, celebrity, or an aggregation of data related to how a group of individuals on a social network are selecting payment vehicles for various merchants. The invention may review this social network data and provide the customer with a payment vehicle recommendation for a transaction with a merchant. | 09-18-2014 |
20140279713 | AUTOMATED PAYMENT FOR A RENTAL PERIOD BASED ON DETERMINING THE LOCATION OF A RENTER'S MOBILE COMMUNICATION DEVICE - Systems, apparatus, methods and computer programs provide for self-service rental of rental items. The self-service aspect of the invention allows for renters to obtain the rental, leave the rental agency facility, return the rental item and pay for the rental without having to come into contact with anyone at the rental agency. The invention implements a renter's mobile device. In this regard, the mobile device receives information related to the rental item that the renter desires to rent and initiates the self-service process. The rental period is defined by the time at which the mobile device, equipped with location-determining mechanisms, departs a designated rental area and the time at which the mobile device returns to the same or another designated rental area. Once the rental period is known, the rental period payment amount can be determined based on a predetermined rental rate and payment provided. | 09-18-2014 |
20140317182 | SOCIAL BADGING FOR ELECTRONIFICATION OF PAPER - Embodiments of the invention are directed to systems, methods and computer program products for social badging. An exemplary apparatus is configured to: receive information associated with a user's interaction with an entity; determine or receive a rating based on the interaction, wherein the rating indicates an environmental impact of the interaction; and broadcast the rating on a social network. | 10-23-2014 |
20150026024 | SYSTEMS FOR MANAGING ACCOUNT AGGREGATORS ACCESS TO FINANCIAL ACCOUNT INFORMATION - Embodiments of the invention are directed to apparatus, methods, and computer program products for determining and notifying a user, herein a financial institution customer, as to which account aggregators currently have been granted permission to access accounts held by the customer at the financial institution. In addition to notifying the customer of the current status of account aggregator access, the present invention provides the customer, through an online or mobile banking application or the like, a comprehensive tool for managing the access granted to all of the account aggregators that are determined to currently have permission to access the customer's accounts. | 01-22-2015 |
20150026025 | REMOTE CONTROL FOR ONLINE BANKING - Disclosed is a system and associated method of using a customer's mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer's online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer's online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer's online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer's online banking account and (ii) the mobile device is bound to the computing device. | 01-22-2015 |
20150026026 | RESTRICTED ACCESS TO ONLINE BANKING - Disclosed is a system and associated method for restricting access to a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device. | 01-22-2015 |
20150026053 | ONLINE BANKING ALERTS - Disclosed is a system and associated method for providing alerts regarding a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account. In addition, the module is typically configured for subsequently determining whether a computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and transmitting a notification that the computing device has engaged in the predefined online banking transaction to the mobile device based on determining that (i) the computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and (ii) the mobile device is associated with the customer's online banking account. | 01-22-2015 |
20150026054 | CUSTOMER-DEFINED ONLINE-BANKING ACCESS RESTRICTIONS - Disclosed is a system and associated method for restricting access to a customer's online banking account based on customer-defined online-banking access restrictions. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account. In addition, the module is typically configured for subsequently receiving a restricted transaction definition from the mobile device, the restricted transaction definition defining a first restricted transaction associated with the customer's online banking account; searching a database of records to determine if the mobile device is associated with the customer's online banking account; and creating a restricted transaction record based on determining that the first mobile device is associated with the customer's online banking account, the restricted transaction record including the first restricted transaction definition. | 01-22-2015 |
20150026055 | OFFLINE MOBILE BANKING SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution. | 01-22-2015 |
20150026056 | COMPLETING MOBILE BANKING TRANSACTION FROM TRUSTED LOCATION - Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) receive input relating to user-designated trusted locations for completing a mobile banking transaction, (b) receive input from the user relating to a transaction request, (c) determine whether the mobile device is located at a trusted locations, and (d) complete the transaction request; or store the transaction request in a queue for mobile banking transactions on the mobile device. | 01-22-2015 |
20150026057 | COMPLETING MOBILE BANKING TRANSACTION WITH DIFFERENT DEVICES - Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) initiate, via a mobile device, a transaction request for a mobile banking transaction; (b) store the transaction request for the mobile banking transaction in a queue for mobile banking transaction requests; (c) retrieve from the queue, using a computing device, the transaction request for the mobile banking transaction, wherein the computing device is different from the mobile device; and (d) complete, using the computing device, the transaction request for the mobile banking transaction. | 01-22-2015 |
20150026351 | ONLINE SESSION TRANSFER - Embodiments for transferring online account sessions are included in systems that enable a user to transfer control of an account session from a first mobile device to a second mobile device and determine whether or not the second mobile device has control of the account session based on transmission data received from the first mobile device or second mobile device. The systems receive transaction data, user input, or device tracking data from the first device or second device, and use the data to process online activities. | 01-22-2015 |
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 |
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 |
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 |
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 |
20150073984 | ATM PROVIDED PAYMENT PROCESS - System, method, and computer program product are provided for a user to send and receive P2P payments using an ATM machine. Through the use of an ATM, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities from the ATM using those accounts. In this way, the user may ensure a secure payment to a third-party through the network associated with the financial institution and ATM. The payments may be directed to individuals the user may input into the system or to pre-established entities. This invention allows a user to receive and provide payments for any type of transaction utilizing the security, accuracy, and convenience provided to the user by an ATM. | 03-12-2015 |
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 |
20150088679 | PROPOSED PACKAGES FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system captures past and future activities based on a future location or future time period, and assembles the activities into packages. The proposed packages are supplemented with the images and the activity information related to past and future activities captured from the various sources of information, and the activities, activity information, and images are displayed in a package interface. | 03-26-2015 |
20150088704 | INTERACTIVE MAP FOR GROUPED ACTIVITIES WITHIN A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may display the activities, activity information, and images in an interactive map using markers. The markers in the interactive may be displayed as a function of the time of the activity, include images, or transaction data related to the activity. Positioning information related to the location of the user at the time of the activities may also be overlaid on the interactive map. | 03-26-2015 |
20150088705 | GROUPED PACKAGES FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities of one or more users. The financial and social management system captures past and future activities of the multiple users based on a location or time period, and assembles the activities into group packages. The group packages are supplemented with the images and the activity information related to the past and future activities captured from the various sources of information of the multiple users. | 03-26-2015 |
20150088712 | ACTIVITY LIST ENHANCED WITH IMAGES FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, stored database images, images over the Internet, and the like, and associates the activity information and images with the activities. The financial and social management system may determine images for other users associated with an activity of a first user by identifying tag users in a social networking account of the first user or contacts in a social networking account of the first user that participated in activities at the same time or locations as the activities of the first user. | 03-26-2015 |
20150088713 | ACTIVITY LIST TAGGED WITH ACTIVITY INFORMATION FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities. | 03-26-2015 |
20150088714 | ACTIVITY LIST LINKED WITH RECEIPTS FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may parse activity information from the e-receipts and associate the activity information from the e-receipts with the corresponding activities. The financial and social management system may be able to identify activity information in the e-receipts related to the products and costs within the transaction, a time associated with the transaction, as well as the actual location associated with the transaction, or other activity information described herein. | 03-26-2015 |
20150088715 | ACTIVITY REVIEW FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system aggregates the activity information for a number of activities based on the location, user, entity, category, cost, time period, or the like and displays the aggregated activity information in an activity review interface. The financial and social management system may supplement the aggregated activity information with educational data. | 03-26-2015 |
20150088716 | ACTIVITY HISTORY FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system identifies activity history for a location or time period in the past, and displays the activities, activity information, and images for the location or time period in the in past in an activity history interface. At least a portion of the activity history may be shared with other users, and offers may be shared based on the activity history. | 03-26-2015 |
20150088717 | LINKING USERS AND TRANSACTIONS THROUGH ACTIVITY INFORMATION IN A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may identify activities associated with other users (e.g., gift deposit) that can be ultimately linked to other activities associated with merchants (e.g., purchase of a product). The financial and social management system may provide social relationship information between users based on the activities entered by the first user when other users are involved or linked to the activities. | 03-26-2015 |
20150088718 | PAST PACKAGES FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system captures past activities that occurred at the same or similar locations or time periods, and assemblies the activities into packages. The packages are supplemented with the images and the activity information related to the activities captured from the various sources of information, and the activities, activity information, and images are displayed in a package interface. | 03-26-2015 |
20150088751 | TRANSACTION VERIFICATION SYSTEM BASED ON USER LOCATION - Embodiments of the invention provide misappropriation protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location. | 03-26-2015 |
20150088771 | FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may tag the activities with activity information, such as location, social relationship, entity, and category information. Moreover, the financial and social management system may display the activity and activity information in activity list interfaces, packaged activity interfaces, filtered activity interfaces, activity history interfaces, activity review interfaces, or other like interfaces that incorporate aspects of financial transactions and social networking information. | 03-26-2015 |
20150088915 | ACTIVITY LIST FILTERS FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities based on the location, social relationship, entity, category, or other activity information and display the activities and activity information in customized interfaces. | 03-26-2015 |