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公开(公告)号：US20170083890A1
公开(公告)日：2017-03-23
申请号：US15368538
申请日：2016-12-02
申请人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
发明人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
CPC分类号： G06Q20/204 , G06K19/06028 , G06Q20/0453 , G06Q20/20 , G06Q20/28 , G06Q20/322
摘要： The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
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公开(公告)号：US20150019326A1
公开(公告)日：2015-01-15
申请号：US14330116
申请日：2014-07-14
申请人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
发明人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
IPC分类号： G06Q30/02
摘要： In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.
摘要翻译： 在一个实施例中，系统被配置为接收关于具有与金融服务提供商和商家相关联的伙伴卡帐户的客户的市场分析请求。 系统可以确定客户的一个或多个在线行为特征并且从金融服务提供商访问与客户的金融交易相关联的数据。 该系统可以至少基于所确定的一个或多个在线行为特征和所访问的客户的金融交易来进一步确定响应于所接收的市场分析请求的分析结果。 系统还可以生成指示至少所确定的分析结果的报告。
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公开(公告)号：US10482498B2
公开(公告)日：2019-11-19
申请号：US14330116
申请日：2014-07-14
申请人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
发明人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
IPC分类号： G06Q30/02
摘要： In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.
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公开(公告)号：US10134088B2
公开(公告)日：2018-11-20
申请号：US14042333
申请日：2013-09-30
IPC分类号： G06Q40/02
摘要： Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer. Alternatively, the program can be implemented with an intermediate service provider, such as an online marketplace retailer. The service provider enrolls the seller and assists with marketing and buyer selection, and the financial service system transfers proceeds to the seller and service provider, and configures a loan account and payment plan for the buyer.
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5.发明申请SYSTEMS AND METHODS FOR ANALYZING FINANCIAL ACCOUNTS AND BUSINESS EFFORTS BASED ON LENDER INFORMATION 审中-公开基于借贷信息分析财务会计和业务活动的制度和方法公开(公告)号：US20140258092A1
公开(公告)日：2014-09-11
申请号：US14089251
申请日：2013-11-25
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025
摘要： The disclosed embodiments include methods and systems for assessing financial account requests. In one embodiment, a method is disclosed that includes receiving a request from a borrower for a first financial account offered by a financial service provider. The method may also include collecting first lender information associated with the borrower and a first lender, where the lender information includes information associated with at least one first lender financial account offered by the first lender. In certain aspects, the method may further include analyzing the request based on the lender information and determining whether to approve the request for the first financial account based on the analysis of the request.
摘要翻译： 所公开的实施例包括用于评估财务帐户请求的方法和系统。 在一个实施例中，公开了一种方法，其包括从借用者接收由金融服务提供商提供的第一金融账户的请求。 该方法还可以包括收集与借款人和第一贷款人相关联的第一贷款者信息，其中贷款者信息包括与由第一贷方提供的至少一个第一贷款人金融账户相关联的信息。 在某些方面，所述方法还可以包括基于所述贷方信息来分析所述请求，并且基于所述请求的分析来确定是否批准对所述第一金融账户的请求。
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6.发明申请公开(公告)号：US20140258091A1
公开(公告)日：2014-09-11
申请号：US14089180
申请日：2013-11-25
CPC分类号： G06Q40/02 , G06Q20/227 , G06Q40/025
摘要： The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.
摘要翻译： 所公开的实施例包括用于基于多个私人标签金融账户提供汇总金融服务账户的方法和系统。 在一个实施例中，公开了一种可以包括从用户接收第一私人标签金融账户的第一请求，所述第一私人标签金融账户可用于与第一商家相关联的购买并且批准第一私人商标金融账户的第一请求。 该方法还可以包括从用户接收可用于与第二商家相关联的购买并且批准第二私人标签金融账户的第二请求的第二私人标签金融账户的请求。 一方面，该方法还可以包括基于第一和第二私人标签帐户生成汇总的金融账户，使得汇总的金融账户可以用于与第一商家或第二商家的购买。
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公开(公告)号：US20140257922A1
公开(公告)日：2014-09-11
申请号：US14089218
申请日：2013-11-25
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201
摘要： The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers. The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs. Further, the system may be configured to perform one or more social discovery operations based on the one or more social discovery graphs.
摘要翻译： 所公开的实施例包括用于提供社会发现服务操作的方法和系统。 在一个实施例中，公开了一种用于提供社会发现服务的系统。 该系统可以被配置为接收与涉及一个或多个商家和一个或多个消费者的一个或多个购买交易相关的交易数据。 该系统还可以被配置为接收标识一个或多个购买交易中包括的一个或多个产品的产品数据。 系统还可以接收与一个或多个购买交易相关联的位置数据。 基于交易数据，位置数据和产品数据，系统可以被配置为生成一个或多个社交发现图。 此外，系统可以被配置为基于一个或多个社会发现图来执行一个或多个社会发现操作。
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8.发明申请公开(公告)号：US20140258094A1
公开(公告)日：2014-09-11
申请号：US14202095
申请日：2014-03-10
IPC分类号： G06Q40/08
摘要： The disclosed embodiments include methods and systems for collecting, managing, and processing business data for lending services. In one embodiment, a lending system is disclosed that may register a small business with a lending service provided by a lending system and receive first small business data from the small business. The lending system may store the first small business data and analyze the first small business data to determine whether the small business qualifies for a loan product provided by a financial service provider. In another embodiment, the lending system may determine, based on the analysis, that additional business data is needed to determine whether the small business qualifies for the loan product. The lending system may further receive second small business data from the small business and analyze the second small business data to determine whether the small business qualifies for the loan product provided.
摘要翻译： 所公开的实施例包括用于收集，管理和处理用于贷款服务的业务数据的方法和系统。 在一个实施例中，公开了可以借助借出系统提供的贷款服务注册小企业并从小企业接收第一小企业数据的贷款系统。 贷款系统可以存储第一小企业数据并分析第一小企业数据，以确定小企业是否符合金融服务提供商提供的贷款产品。 在另一个实施例中，贷款系统可以基于分析来确定需要额外的业务数据来确定小企业是否符合贷款产品。 贷款系统还可以从小企业进一步接收第二小企业数据，并分析第二小企业数据，以确定小企业是否符合提供的贷款产品。
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9.发明申请SYSTEMS AND METHODS FOR PROVIDING SELLER-INITIATED FINANCING IN PRIVATE SALES 审中-公开在私人销售中提供卖方启动融资的制度和方法公开(公告)号：US20140143127A1
公开(公告)日：2014-05-22
申请号：US14042333
申请日：2013-09-30
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer. Alternatively, the program can be implemented with an intermediate service provider, such as an online marketplace retailer. The service provider enrolls the seller and assists with marketing and buyer selection, and the financial service system transfers proceeds to the seller and service provider, and configures a loan account and payment plan for the buyer.
摘要翻译： 公开了方法和系统，用于在私人方之间提供卖方发起的融资。 金融服务体系配置融资计划，让卖家有机会直接向潜在买家提供融资。 金融服务系统向特定卖方注册该计划，向卖方提供资源和服务，以帮助销售市场，并选择一个值得信赖的买家。 一旦交易完成，金融服务系统将收益转移给卖方，然后为买方配置贷款账户和支付计划。 或者，该程序可以与诸如在线市场零售商的中间服务提供商一起实现。 服务提供商注册卖方，并协助营销和买家选择，金融服务系统将收益转移给卖方和服务提供商，并为买方配置贷款帐户和付款计划。
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公开(公告)号：US10096042B2
公开(公告)日：2018-10-09
申请号：US14288046
申请日：2014-05-27
IPC分类号： G06Q30/02
摘要： The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
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