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    Tracking customer spending
    5.
    发明授权
    Tracking customer spending 有权
    跟踪客户支出

    公开(公告)号：US08768736B1

    公开(公告)日：2014-07-01

    申请号：US12152028

    申请日：2008-05-12

    申请人： Michael Aaron Chapman ,  Hyun Jin Ko ,  Rodney Hal Monson ,  Mark Alexander Jones ,  Bryan L. Mackrell ,  Michael S. Ley ,  Thomas S. Kunz

    发明人： Michael Aaron Chapman ,  Hyun Jin Ko ,  Rodney Hal Monson ,  Mark Alexander Jones ,  Bryan L. Mackrell ,  Michael S. Ley ,  Thomas S. Kunz

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02

    摘要： Methods for tracking customer spending: the methods may comprise receiving from the customer a first threshold amount and a period length; receiving a transaction indication for each debit transaction made by the customer during a first period; and alerting the customer if the sum of the amounts of debit transactions during the first period exceeds the first threshold amount. The methods may also comprise receiving a transaction indication for each debit transaction made by the customer during a second period; and alerting the customer if the sum of the amounts of debit transactions during the second period exceeds a second threshold amount.

    摘要翻译： 跟踪客户支出的方法：所述方法可以包括从客户接收第一阈值量和周期长度; 在第一期间接收由客户进行的每笔借记交易的交易指示; 并且如果在第一时段期间的借方交易金额的总和超过第一阈值量，则提醒客户。 所述方法还可以包括在第二时段期间接收由客户进行的每个借方交易的交易指示; 并且如果在第二时段期间的借方交易金额的总和超过第二阈值量，则提醒客户。

    Transferring funds between parties' financial accounts
    8.
    发明授权
    Transferring funds between parties' financial accounts 有权
    在各方财务账户之间转移资金

    公开(公告)号：US08401938B1

    公开(公告)日：2013-03-19

    申请号：US12152073

    申请日：2008-05-12

    申请人： Michael Aaron Chapman ,  Hyun Jin Ko ,  Rodney Hal Monson ,  Mark Alexander Jones ,  Bryan L. Mackrell ,  Michael Ley

    发明人： Michael Aaron Chapman ,  Hyun Jin Ko ,  Rodney Hal Monson ,  Mark Alexander Jones ,  Bryan L. Mackrell ,  Michael Ley

    IPC分类号： G07F19/00 ,  H04M15/00

    CPC分类号： G06Q20/14 ,  G06Q20/3255

    摘要： Computer-implemented methods for requesting a transfer of funds between a first party a second party: the methods may comprise receiving from the first party an instruction to initiate a transfer request and an electronic copy of a bill associated with the transfer request. The methods may also comprise receiving from the first party a text message associated with the transfer request and an indication of at least a second party who is a recipient of the transfer request. In addition, the methods may comprise posting the transfer request to an account of the second party. The transfer request may comprise the electronic copy of the bill associated with the transfer request, and the text message associated with the transfer request.

    摘要翻译： 用于请求在第二方之间的第一方转移资金的计算机实现的方法：所述方法可以包括从第一方接收发起转移请求的指令和与转移请求相关联的账单的电子副本。 所述方法还可以包括从第一方接收与传送请求相关联的文本消息以及至少是作为传送请求的接收者的第二方的指示。 此外，方法可以包括将转移请求发布到第二方的帐户。 转移请求可以包括与转移请求相关联的账单的电子副本以及与转移请求相关联的文本消息。