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1. 发明授权

US08275708B1 Systems and methods for automatic payment plan 有权
标题翻译：自动付款计划的系统和方法
公开(公告)号：US08275708B1
公开(公告)日：2012-09-25
申请号：US11853961
申请日：2007-09-12
申请人： Jeff Dennes , Charles R. Bear , Patricia A. Loeffler , Peter H. McKenna , Lisa Ellis Schwartz , Christy Lynn Newburn
发明人： Jeff Dennes , Charles R. Bear , Patricia A. Loeffler , Peter H. McKenna , Lisa Ellis Schwartz , Christy Lynn Newburn
IPC分类号： G06Q40/00
CPC分类号： G06Q20/08 , G06Q40/02
摘要： Funding source data, such as bank account information or credit card information, associated with a user is stored in an enterprise-wide database maintained by an institution, such as a financial services institution. The data in the enterprise-wide database may be accessible to entities associated with the institution upon the user's authorization. The user only has to provide the funding source data once and may then use that funding source to pay for any product, service, bill, etc. associated with any of the entities of the institution. A user may update funding source data once, and this updated funding source data may then be available to all the entities. After providing account details for the user's various funding sources, a user can assign any of the funding sources to a payment plan for any product or service in any entity of the institution.
摘要翻译：与用户相关联的资金来源数据（例如银行帐户信息或信用卡信息）存储在由机构（例如金融服务机构）维护的企业范围的数据库中。企业级数据库中的数据可以在用户授权的情况下与机构相关联的实体访问。用户只需提供一次资金来源数据，然后可以使用该资金来源支付与该机构的任何实体相关的任何产品，服务，账单等。用户可以更新一次资金来源数据，然后可以向所有实体提供这种更新的资金来源数据。在提供用户各种资金来源的帐户详细信息之后，用户可以将任何资金来源分配给该机构的任何实体中的任何产品或服务的付款计划。

2. 发明授权

US08341082B1 Systems and methods for providing multiple entities with access to account information 有权
标题翻译：为多个实体提供对帐户信息的访问的系统和方法
公开(公告)号：US08341082B1
公开(公告)日：2012-12-25
申请号：US13004566
申请日：2011-01-11
申请人： Jeff Dennes , Charles R. Bear
发明人： Jeff Dennes , Charles R. Bear
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/102 , G06Q20/108 , G06Q20/40 , G06Q30/04
摘要： A user may log into a system containing data pertaining to a jointly owned funding account of which he is a co-owner. The user may view information directed to the jointly owned funding account, such as his bills and bills associated with other co-owners. The user may pay bills or schedule payments of bills from the funding account. A co-owner of the funding account may set up an account with a biller and enable other co-owners of the funding account to use this information, thereby providing the other co-owners with the same or similar functionality when they log into the system using their own login information. The information that the co-owner may set up with a biller may be ported over to the information maintained by the system that is directed to the other co-owners.
摘要翻译：用户可以登录到包含与他是共同所有者的共同拥有的资金账户有关的数据的系统。用户可以查看指向共同拥有的融资账户的信息，例如与其他共同所有者相关联的账单和账单。用户可以从资金账户支付账单或计划支付账单。资金账户的共同所有者可以设立一个账户，并让其他资金账户的共同所有者使用这些信息，从而在其登录系统时向其他共同所有者提供相同或相似的功能使用自己的登录信息。共同所有者可能与会员设置的信息可能会被移交给系统所保留的针对其他共同所有者的信息。

3. 发明授权

US07870072B1 Systems and methods for providing multiple entities with access to account information 有权
标题翻译：为多个实体提供对帐户信息的访问的系统和方法
公开(公告)号：US07870072B1
公开(公告)日：2011-01-11
申请号：US11854858
申请日：2007-09-13
申请人： Jeff Dennes , Charles R. Bear
发明人： Jeff Dennes , Charles R. Bear
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/102 , G06Q20/108 , G06Q20/40 , G06Q30/04
摘要： A user may log into a system containing data pertaining to a jointly owned funding account of which he is a co-owner. The user may view information directed to the jointly owned funding account, such as his bills and bills associated with other co-owners. The user may pay bills or schedule payments of bills from the funding account. A co-owner of the funding account may set up an account with a biller and enable other co-owners of the funding account to use this information, thereby providing the other co-owners with the same or similar functionality when they log into the system using their own login information. The information that the co-owner may set up with a biller may be ported over to the information maintained by the system that is directed to the other co-owners.
摘要翻译：用户可以登录到包含与他是共同所有者的共同拥有的资金账户有关的数据的系统。用户可以查看指向共同拥有的融资账户的信息，例如与其他共同所有者相关联的账单和账单。用户可以从资金账户支付账单或计划支付账单。资金账户的共同所有者可以设立一个账户，并让其他资金账户的共同所有者使用这些信息，从而在其登录系统时向其他共同所有者提供相同或相似的功能使用自己的登录信息。共同所有者可能与会员设置的信息可能会被移交给系统所保留的针对其他共同所有者的信息。

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