U.S. Bank National Association

Todd Clarke Moning

James Andrew Cantrell

Terron C Hyde

Dominic Victor Venturo

Jeremy M Silver

Valerie Lancelle

Valerie Felice Cameo

Dominic V Venturo

Christopher S Swanson

Jeffrey D Phillips

One exemplary aspect concerns a system that includes a communications circuit, logic circuitry and an interface circuit working together to aggregate and provide feedback on indications of ongoing use of various assets such as in use in and around a residence. For each asset, the communications circuit and logic circuitry are used to receive and aggregate ongoing-use indications, access a profile indicating an asset-related lifecycle, and in response execute an algorithm to adjust a valuation score of the asset. The interface circuit may report on the ongoing use of said at least one of the plurality of disparate assets. In a more specific example, the valuation score is associated with one or more environmental-related components that appreciate and/or depreciate with ongoing use of the asset over portions of the lifecycle, and the assets may be residence-related such as including solar panels, IoTs, battery-assisted vehicles, and HVAC appliances.

Autonomous tracking of disparate assets

An ambient transaction system is described for facilitating various transactions types between a management system and a connected device over a transaction platform. Based on a variety of different triggering conditions, the transaction platform may establish an integrated session among the transaction platform, the management system, and the connected device. The transaction platform includes integrated logic of the management system such that a presentment layer provided to the connected device by the transaction platform via the integrated session includes features of the management system associated with the transaction type. When the transaction is a payment transaction, the features may include a payment feature through which checkout options may be selected for payment via the connected device. Upon receiving a payment selection from the connected device, the transaction platform may transmit the payment information to a payment processing system, and provide payment confirmation to at least the management system.

Ambient transaction system

A computer-based automated savings method includes storing in a memory circuit, for each customer, customer profile data that identifies an account for accumulating automated savings, that identifies customer-specified types of financial transactions for automated savings participation, and that identifies a customer-specified saving algorithm for each of the different types of financial transactions. Notification data is received that is indicative of one of the customers having actively engaged in one of the types of financial transactions for automated savings participation. The customer's profile data in the memory circuit is accessed, the type of financial transaction being engaged in by the customer is compared with the customer-specified types of financial transactions, and therefrom it is determined whether the type of financial transaction qualifies for automated savings participation. The method further includes based upon the comparison, selecting a customer-specified saving algorithm as specified for the type of financial transaction, accessing and implementing the customer-specified saving algorithm for the financial transaction for which notification data has been received and, therefrom, increasing the amount of savings in the account for accumulating automated savings.

Methods and devices for savings participation

A method for processing checks includes capturing check data from a check with a capture device of a check processing system, where the check data includes payee information. A category of the check is identified based at least in part on the payee information. A user account is updated with the category and at least a portion of the check data. A first edit to the check data is received from a user. A handwriting profile of the user is updated based on the first received edit. The handwriting profile is used to improve the accuracy of subsequently captured check data.

Check processing and categorizing system

A method for processing checks includes capturing check data from a check, where the check data includes payee information or payor information. A category of the check is identified based at least in part on the captured check data. A user account is updated with the category and at least a portion of the captured check data. The user account is analyzed to identify transactions involving paper checks. Based on the analysis, an incentive is provided to a user associated with the user account, where the incentive discourages paper check transactions by the user.

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Chaska, MN, United States of America

Todd Clarke Moning