WO2017082937A1 - Systèmes et procédés de dons de bienfaisance basés sur des transactions - Google Patents

Systèmes et procédés de dons de bienfaisance basés sur des transactions Download PDF

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Publication number
WO2017082937A1
WO2017082937A1 PCT/US2015/060767 US2015060767W WO2017082937A1 WO 2017082937 A1 WO2017082937 A1 WO 2017082937A1 US 2015060767 W US2015060767 W US 2015060767W WO 2017082937 A1 WO2017082937 A1 WO 2017082937A1
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WO
WIPO (PCT)
Prior art keywords
user
systems
data
server computer
methods
Prior art date
Application number
PCT/US2015/060767
Other languages
English (en)
Inventor
Donna K. Jackson
Victoria A. SAULNIER
Matthew Carr
Original Assignee
Vimado Llc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Vimado Llc filed Critical Vimado Llc
Priority to PCT/US2015/060767 priority Critical patent/WO2017082937A1/fr
Publication of WO2017082937A1 publication Critical patent/WO2017082937A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the resent invention provides systems and methods for providing charitable contributions through an application on a mobile device.
  • charitable organizations are able to reach contributors and solicit charitable giving on a ongoing basis.
  • chanties are able to not only gain awareness of their cause, but also solicit donations on a dally basis, weekly, or monthly basis. This increases not only the recognition of the charfta te organization, but the amount of charitable acts that can be accomplished throughout the year.
  • the present invention provides systems and methods for consumers to donate to charities in small dollar or partial dollar increments. When totaled, these contributes increase the overall contributions to a charity. Contributors are able to select a dollar amount (or partial dollar amount) and thon add this amount as a fj@Dli from a checking account. Irs some embodiments, the contributors are able to select small dollar amounts to send to the charity of their -choice based on a financial transaction.
  • the contributor makes a purchase at a business
  • the contributor, or user of the s s ems and methods receives a notification that the contributor ca increase the financial transaction by a particular amount ($.05, $0.10, $0,25, $0.50, $0.75, $1.00, $5,00, $10.00, etc.).
  • the additional amount can then be donated to a chanty selected by the contributor.
  • the systems and methods of the invention would debit or charge the Increased amount to the user's (or contributors) financial institution, and then send the donation to the charity.
  • the present Invention provides a system for managing charitable contributions.
  • the system comprises a mobile device for user Input and interaction, said mobile device running an application, and a server configured to communicate with and exchange data with said mobile device and at least one financial institution.
  • the mobile device comprises a processor coupled to a memory containing instructions executable by the processor to cause the mobile device to receive first data through the application from the server computer that a transaction has occurred; translate the f t data from the server computer Into user Interface elements; display the user interface elements for prompting user input; translate the user input Into second data; and send the second data to the server compoter, wherein the server computer sends the second data to a financial Institution.
  • the present Invention provides systems and methods for linking a user banking account information with an application that allows the user to select a chanty to make contributions to the charity.
  • the charity can be any charity or business that would solicit contributions from consumers.
  • a business may organize a charitable giving event to solicit donations from its customers for a charitable cause using the systems and methods of the invention.
  • the present invention generally provides a system Including a plurality of remote mobile devices configured to communicate and exchange data with a cloud- based service.
  • Each of the plurality of mobile devices is generally running an application for allowing a user to interact and share data with the cloud-based service.
  • the application is configured to mc@ e and translate data or information from server computer.
  • the translated data may be displayed as a graphical user Interface that is able to prompt the user for a response.
  • cK The systems and methods of the Invention may be carries out on a server computer.
  • the server computer can be accessed v a Intranet or Internet systems.
  • the server computer stores the files, programs, scripts, coding, and other executable flies and programs for the application and for carrying out the methods of the invention, fOOOS]
  • the server computer may store many databases. These databases include information regarding the charities, consumers, contributors, businesses, events, financial contributions, financial transactions, etc.
  • The3 ⁇ 4ystems and methods of the Invention may comprise an analytical component to process, evaluate, or analyze Information associated with a user account.
  • the systems, or databases, of the Invention stores financial, and transactional Information.
  • the financial Information may consist of account balances at a financial Institution, transactions, charitable contributions, etc.
  • the inventio provides reports that summarize a user s total contributions to the selected charities.
  • the present invention provides a report to a charity regarding all of the contributions made within a particular time period (e.g., hourly, daily, weekly, monthly, quarterly, etc.).
  • the systems and methods of the invention are configured to communicate with and send/receive information with third party systems (also referred herein as remote systems).
  • the systems of the invention have application Interface programs to interface with third party systems.
  • the systems of the Invention connect to a third parl system via an application interface program to send or receive Information.
  • the system can be configured to send/receive Information based on any time parameter.
  • the system can be configured to send/receive Information in real time, hourly, daily, weekly, monthly, etc.
  • the system of the invention Is configured to Interface with a financial Institution to gain access to a user's Investment account to update financial information within the databases of the invention.
  • a user may add Information regarding an account at a third parly financial Institution in an Individual user account of the invention.
  • the system communicates with the third party system (also referred herein as a remote system) to send o receive information.
  • the system established a connection, and receives financial information, such as account balances, or transactions, or contributions to he deducted from the use s financial institution.
  • financial information such as account balances, or transactions, or contributions to he deducted from the use s financial institution.
  • the Information is stored in the databases of the Invention.
  • the systems and methods provide for sending the contributions to the charitable organization.
  • the system and methods rnay collect the contributions over a certain time period (instantly, hourly, daily, etc.) and send the funds to the charitable organization.
  • the user may access the application and select from several charities to decide which charities shall receive a contribution and in what dollar amount.
  • the user selects the charity and than the amount. These selections are displayed as user interface elements, such as buttons, radio buttons, or other elements that respond to user interaction.
  • the application collects the Information, processes the financial contribution by charging the amount to the user's financial account, and then sends the funds to the charity.
  • the systems and methods of the Invention allow for the application to manage several charities simultaneously. Also, the application Is able to support a large number of users. Thus, the systems and methods of the Invention allow for numerous charities to connect and solicit contributions from numerous Individuals,
  • the present Invention allows for rounding up of financial transactions.
  • the systems and methods of the invention receive information from a financial institution that a transaction has occurred.
  • the systems and methods of the present Invention can send a notification to the user that the transaction amount can be increased by any amount selected by the user, where the Increased amount can be donated to a charity.
  • the user is able to set a permission to allow rounding up (to the nearest dollar) of all transactions, in some embodiments, the user Is able to set a restriction that all transactions are rounded up until a monthly contribution limit is reached, at which point no further contributions are made.
  • FIG, 1 A depicts a system of the invention.
  • FIG. 1 B depicts a system of the invention.
  • FIG. 2 depicts a workflow example of the present Invention.
  • FIG. 3 depicts a workflow example of the present Invention.
  • the present invention provides systems and methods for providing charitable contribution via an application on a mobile device.
  • the systems and methods of the present Invention are able to t anslate data sent and received between the server computer, and/or third party systems.
  • the systems and methods of the ' invention provide an Individual user account to a user, A user accesses the system, inputs payment information, contact information, a password, etc. to create a user account
  • the systems and methods of the invention allow the user to set permissions or restrictions on th activities of the account. For example, automatic giving, automatic rounding up of transactions, etc..
  • the systems and methods of the invention rosy provide user accounts for numerous individuals, !n some aspects, the user account Is for an individual a family s for a company, fo a trust or for an entity. For example, a family may have one user account that holds and contributes funds to selected charities,
  • a user accesses the systems of the invention using a computer device, a mobile device, TP a client computer,
  • a client Is a piece of computer hardware or software that accesses a service made available by a server.
  • the server is often; (but not always) on another computer system, in which case the client accesses the service by way of a network
  • a client is a computer program that, as pad of Its operation, relies on sending a request to another computer programs (which may or may not he located on another computer ' ).
  • web browsers are clients that connect to web servers and retrieve web pages for display.
  • the term "client" may also be applied to computers or devices that run the client software or users that use the client software.
  • Clients are PCs or workstations on which users run applications.
  • Clients rely on servers for resources, such as files, devices, and even processing power.
  • the clients run programs and access data that are stored on the server.
  • the computer or client may be a desktop computer, a hand held device, a mobile device, a thin client, a thick client, or any other computer device.
  • the com ute or client is configured to access the Internet or server computer.
  • the computer or Client has at least one processor, a non-transftory memory, and is capable of displaying Information received from the server computer.
  • Systems and methods of the invention may be carrie out on a server computer.
  • a server runs of an application (software) capable of accepting requests from the client and giving responses accordingly.
  • Servers can am on any computer including dedicated computers,
  • Client-server architecture (client/server) is a network architecture In which each computer or process on the network is either a client or a server.
  • Servers are powerful computers or processes dedicated to managing disk drives (file servers), printers (print servers) , or network traffic- (network servers).
  • the server computer stores the applications, programs, APIs, scripts, codes, and other executable flies of the personal information management system..
  • CD036J Server computers may comprise processors and at least one non-transitory memory for storing software programs, scripts, codes, APIs, etc. for carrying out the systems and methods of the Invention, At least one software program may be used for carrying out the systems and methods of the invention.
  • clients and servers exchange messages in a request- response messaging pattern.
  • the client sends a request, and the server returns a response.
  • the computers associated with the systems and methods of the invention have a common language, and the follow similar rules so that both the client and the server communicate. It should be appreciated that any computer language or set of rules of communication may be used in the systems and methods of the Invention.
  • the client-server protocols ope ate In the application layer.
  • the application-layer protocol defines the oasfc. patterns of the dialogue.
  • the server may implement an API (such as a web sen/Ice).
  • the API is a layer for such resources as databases and custom software. By restricting communication to a specific content format, it facilitates parsing. It also facilitates cross-platform data exchange.
  • the client is configured to understand the response from the server based on the well-known application protocol I.e. the content and the formatting of the data for the requested service,
  • a server may receive requests from many different clients In a very short period of time.
  • the computer relies on a scheduling system to prioritize Incoming requests f om clients In order to accommodate all requests,
  • 004 1 it should be appreciated that systems and methods of the Invention may be carried out on any network architecture, in some embodiments, a client/server architecture, where several cl ent are used may be employed in other embodiments, a peer-to-peer architecture may be used, where each node has equivalent resixsnsibitfes. Both eiienf server and peer-to-peer architectures are widely used, and Known in the art.
  • An API application programming interlace
  • An API Is a set of routines, protocols, and tools for building software applications.
  • An API s a softwares-softwa e interface, not a user Interface. With PIs, applications talk to each other without any user knowledge or Intervention.
  • An API expresses a software component In terms of its operations, inputs, outputs, and underlying types.
  • An API defines functionalities that are independent of their respective Implementations, which allows definitions and implementations to vary without compromising each other. In addition to accessing databases or computer hardware, such as hard disk drives or video cards, an API can ease the work of programming GUI components.
  • an API can facilitate Integration of new features Into existing applications (a so-called "plug-in. ⁇ ).
  • An API can also assist otherwise distinct applications with sharing data, which can help to Integrate and enhance the functionalities of the applications.
  • APIs often come In the form of a. librar that includes specifications for routines, data structures, object classes, and variables.
  • SOAP and REST services an API is simply a specification of remote calls exposed to the API consumers.
  • An API specification can take many forms, including an International Standard, such as POSIX, vendor documentation, such as the Microsoft Windows API, or the libraries of a programming language, e.g., the Standard Template Library In O or the Java APIs.
  • An API Is a set of routines, protocols, and tools for building software applications.
  • the API Specifies how software components should interact and are used when programming graphical user interface (GUI) components.
  • GUI graphical user interface
  • An API makes it easier to develop a program by providing all the building blocks.
  • An application-programming Interface (API) Is a set of programming instructions and standards tor accessing a Web- based software application or Web tool. ⁇ 44
  • a computing platform Is, in the most general sense, whatever pre-existing environment s piece of computer software or code object is designed to run within, obeying its constraints, and making use of Its facilities.
  • the term computing platform can refer to different abstraction levels, including certain hardware architecture, an operating system (OS), and runtime libraries.
  • Operating systems may include Linus, Microsoft Windows, OpenV S, OS X, Solaris, etc.
  • Mobile operating system ma include An rio , Bads, Blackberry OS, 108, Embedded Linux, Palm OS, WebOS, Windows Mobile, Windows Phone, etc.
  • GUIs graphical user interfaces
  • Icons graphical user interfaces
  • tabs buttons
  • Interface elements graphical control elements, controls or widgets- are software components that a computer user interacts with through direct manipulation to read or edit Information about an application.
  • widgets Involve the display of collections of related Items (such as with various list and canvas controls), initiation of actions and processes within the Interface (buttons and menus), navigation within the space of the information system (links, tabs and scrollbars), and representing and manipulating data values (labels, check boxes, radio buttons, sliders, spinners, etc.).
  • FIG. 1A depicts a system of the Invention, As shown in FIG, iA, numerous clients 100 communicate with a server computer 300 via the Internet 200.
  • a client 100 sends and receives requests and responses through processes, Including APIs, 400 to commu c tes wit the ssr er computer 300,
  • a client 100 sends a request 400 to the server computer 300.
  • the request could be to access the login page, gain access to the system of the Invention by providing a user name and password, a request to make a contribution, a request to access Information, etc.
  • the server computer 300 responds to the client 100 and sends responses through process 400.
  • the response may be a message of an Invalid username and password, response to enter Information, a response prompting the user to upload or enter information, a response that Information has been accepted, a response to that permissions for authorized users has been accepted, etc. It should be appreciated that through the internet 200 and through processes 400, the client is able to access systems and methods of the invention stored on the server computer 300. It should be appreciated that programs or applications used to carry out the systems and met ods of the invention may communicate through a plurality of APIs.
  • FIG, I B depicts a system of the invention
  • server computer 300 communicates to th rd party systems 700 through processes 800
  • e server oomputer 300 communicates through processes 800, which oou!d be the Internet, a network, or APIs.
  • the server computer 300 accesses third party systems, networks or infrastructures.
  • the third party system Is a financial institution's s em, such as a bank or an Investment company, in this embodiment the server accesses the financial institution's computer system, and sends and receives Information.
  • the server gains Information about a recent transaction,. In some cases, the server gains a transaction history, images, pdis, etc.
  • the third party system Is a bank, online payment account a credit card company, etc.
  • the server access ' information and downloads or stores the Information in a user account of the system.
  • the client 100 Is able to display the information received by the server 300 to a user.
  • the third party system can be any computer system, data base, website, or other infrastructure.
  • the server computer Is able to access the Information In a third party system, and is able to update Information In a third party system.
  • the server accesses financial and adds to or updates Information associated with a user account.
  • the system provides user accounts.
  • a use s account allows a user to authenticate to a system and to be granted authorization to access resources provided by or connected to that s stem, in some embodiments, authentication does not Imply suthonzabon.
  • a user Is typically required to authenticate oneself with a password or other credentials for the purposes of accounting, security, logging, and resource management
  • the operating system will often use an Identifier such as an Integer to refer to them. rather than their username, through a process known as Identity correlation, in Unix systems, the username Is correlated with a user Identifier or user id.
  • the multi-user systems of the invention require users to identify themselves before using the system.
  • Each user account on a multi-user system typically has a ome directory, in which to store files pertaining exclusively to that users activities, which is protected from access by other users (thoug a system administrator may have access).
  • user accounts often contain a public user rofile, which contains basic information provided by the account's owner,
  • a user may authorize other users to have access to the user account, wherein the authorized user logs In with a unique username and password. The authorized user may have unlimited access, or the user may set permissions for the authorized user using the systems and methods of the invention.
  • a group of users have linked accounts.
  • a famil may have a single user account with many authorized users, or several user accounts may be linked.
  • the users may have access to the other users information, or this access may be restricted through the use of permissions.
  • the systems and methods of the Invention may use an alert system to communicate with users or with third party systems.
  • Alert may be sent by messages, ems!is, text messages, facsimile, etc.
  • the use receives an alert when a user accesses h s account,
  • a user might receive an alert when Information Is updated, or when a predetermined condition Is met For example, when contributions reach a set limit, or when contributions fell below a set limit. In a predetermined time period.
  • An audit trail (also called audit log) is a security-relevant chronological record, set of records, and/or destination and source of records that provide documentary evidence of the sequence of activities that have affected at any time a specific operation, procedure, or event. Audit mcords typically result from activities such as financial transactions or communications by individual people, systems, accounts, or other entities.
  • the process that creates an audit trail Is typically required to always run In a privileged mode, so It can access and supervise all actions from all users; a normal user should not be allowed to stop change it.
  • the system of the Invention saves credit sard and debit card Information for e-commeroe or for other billing purposes, such as charging contributions..
  • the user may be billed for access.
  • the user receives a notification that a transaction has occurred on one or more financial accounts.
  • Systems and methods of the Invention will prompt the user to dedde whether the amount of the transaction should be Increased, and the amount of the increase donated to a charity selected by the user, if the user selects the option to increase the transaction and send the increased amount to the charity, the systems and methods o? the invention will debit the amount from the users financial account, such as a checking account, and then send the amount to a chanty selected by the user.
  • FIG. 2 depicts a flow chart for bow a user may Interact with the system and methods of the Invention.
  • a user or consumer makes a credit card purchase at a retail store 200.
  • the consumer receives a notification of the purchase from the application on the user's mobile device 210.
  • the consumer uses the application to round-up the transaction or urchase: amount and selects a charity to receive the donation 220.
  • the consumer receives an email receipt of the application 230,
  • FIG. 3 depicts an oven/few of one embodiment of the systems and methods.
  • the systems of the invention may include an application engine that comprises a charity consumer and business database.
  • the engine may solicit instructions and then roundup purchase amounts thai are then charged to individual credit card and bank accounts. Users may access individual donation project accounts. The donations selected by the contributor is then send to a charity, such s a 501 (c)(3) organization.
  • the consumer may receive a receipt v a email, which may include a yearly summary, or a year and summary for tax purposes.
  • the present invention provides a system fo managing charitable contributions
  • the system includes a mobile device, where the contributor or user is able to access the server computer through an application.
  • a server computer is configured to communicate with and exchange data with said mobile device and financial institutions.
  • the server computer Is able to receive fnfoorraf on from a financial institution that a purchase has occurred.
  • the server computer the sends this information to the mobile device via the application.
  • the processor on the mobile device is able to translate this financial transaction information into user interface elements.
  • the application is able to display to the user that a transaction has occurred, and that the user can select an amount io Increase the transaction for a charitable contribution.
  • the user Interface elements display to the user prompts to gather Information, such as how much is the contribution, which charity should receive the contribution, etc.
  • Information such as how much is the contribution, which charity should receive the contribution, etc.
  • This Information or second data Is translated and sent to the server computer for further processing.
  • the increased amount is sent to the financial Institution and the amount is sent to the charity by the server computer,
  • the information entered by the user may be stored in one or multiple files within the databases of the system.
  • the information may be organized In files, or different locations based on type, kind, or date created.
  • the system and methods of the invention allow for the user to generate reports or perform analytics on the information associated with the user's account.
  • the user may run a report or a report may be automatically generated, that summarizes the contributions made by the user.
  • the report may include the charity, the amount of the donation, the date of the donation, etc,
  • any type of data or file may be stored in the system. It should be appreciated that any type af file format may be uploaded for saved in the system. File formats such as ,!3 ⁇ 4, ,pdf, .doc, fit .odt, f , jpeg, ,jpx, .gif, .wav, ,mp3 : etc. Files may be Excel files, or files that are compatible with Excel.
  • the systems of the Invention can store any Information associated with the present invention. For example, types of charities, summaries of the different chanties, the fundralslng goals of the charities, total contributions of all users of the present invention, analytics in real time, etc.
  • P06 1 it should he appreciated that any type of financial Information may be stored in the present system. For example, hank statements, account balances, tax returns, fax forma, contribution summaries, etc.
  • the user may create, or the system may create a report.
  • a professions! generates a report and sends the report to the client as a report or as an aiert. in other embodiments, the reports are automatically generated and sent to the user, charities, tax professional, etc.
  • the systems and methods of the Invention may use an email system.
  • the email system may be a part of the system, or the system could link a third party provider email account with the system.
  • the system of the Invention provides checks to the user as prompts to upload Information. For example, Lhe system could ask whether the user's financial Institutions, such as a user's personal bank, has changed. The system would then prompt the user to update certain information, given change in status.
  • the present invention rosy Include technologies such as Ethernet, 802.11 , worldwide Interoperability for microwave access (i AX), 3G S 4G, CDMA., GSM, LIE, digital subscriber line (OSL), etc.
  • the present Invention may further Include networking protocols such as multiprotocol label switching (MPLS), transmission control protocol/Internet protocol (TCP/IP), User Datagram Protocol (UDP), hypertext transport protocol (HTTP), simple mall transfer protocol (SMTP), file transfer protocol (FTP), and the like.
  • the data exchanged can bo represented using technologies and/or formats Including hypertext markup language (HT .) and extensible markup language (XML).
  • all or some links can be encrypted using conventional encryption technologies such as secure sockets layer (SSL), transport layer security (TLS), and Internet Protocol security (IPsec).
  • SSL secure sockets layer
  • TLS transport layer security
  • IPsec Internet Protocol security

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Abstract

La présente invention concerne des systèmes et des procédés destinés à être mis en application avec un dispositif mobile, l'utilisateur pouvant effectuer des dons de bienfaisance en ajoutant une somme d'argent à une transaction financière. L'utilisateur peut sélectionner quels organismes de bienfaisance recevront des dons particuliers.
PCT/US2015/060767 2015-11-14 2015-11-14 Systèmes et procédés de dons de bienfaisance basés sur des transactions WO2017082937A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
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Application Number Priority Date Filing Date Title
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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060136901A1 (en) * 2004-12-22 2006-06-22 Sony Ericsson Mobile Communications Ab Mobile financial transaction management system and method
US20120197740A1 (en) * 2011-01-31 2012-08-02 Bank Of America Corporation Transaction authorization system for a mobile commerce device
US20130248596A1 (en) * 2012-03-23 2013-09-26 International Business Machines Corporation Mobile device financial transactions
US20140089186A1 (en) * 2012-09-25 2014-03-27 Intuit Inc. Mobile payment service for small financial institutions
US20150161684A1 (en) * 2013-12-10 2015-06-11 Fmr Llc Multi-Sourced Charitable Contributions

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060136901A1 (en) * 2004-12-22 2006-06-22 Sony Ericsson Mobile Communications Ab Mobile financial transaction management system and method
US20120197740A1 (en) * 2011-01-31 2012-08-02 Bank Of America Corporation Transaction authorization system for a mobile commerce device
US20130248596A1 (en) * 2012-03-23 2013-09-26 International Business Machines Corporation Mobile device financial transactions
US20140089186A1 (en) * 2012-09-25 2014-03-27 Intuit Inc. Mobile payment service for small financial institutions
US20150161684A1 (en) * 2013-12-10 2015-06-11 Fmr Llc Multi-Sourced Charitable Contributions

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