Note: Descriptions are shown in the official language in which they were submitted.
SYSTEM AND METHOD FOR INITIATING DATA RECORD CREATION AT A
THIRD PARTY SERVER
TECHNICAL FIELD
[0001] The present application relates to systems and methods for
initiating data record
creation at a third party server.
BACKGROUND
[0002] Data records store data such as identity data. In some cases, data
records require
a minimum amount of identity data before they can be created.
BRIEF DESCRIPTION OF THE DRAWINGS
[0003] Embodiments are described in detail below, with reference to the
following
drawings:
[0004] FIG. 1 is a schematic operation diagram illustrating an operating
environment of
an example embodiment;
[0005] FIG. 2A is a high-level schematic diagram of an example computing
device;
[0006] FIG. 2B is a schematic block diagram showing a simplified
organization of
software components stored in memory of the example computing device of FIG.
2A;
[0007] FIG. 3 is an example user interface;
[0008] FIG. 4 is another example user interface;
[0009] FIG. 5 shows, in flowchart form, an example method for linking an
account
hosted by a third party server;
[0010] FIG. 6 is another example user interface;
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[0011] FIG. 7 is another example user interface;
[0012] FIG. 8 is another example user interface;
[0013] FIG. 9 shows, in flowchart form, an example method for initiating
data record
creation at a third party server;
[0014] FIG. 10 is another example user interface;
[0015] FIG. 11 is another example user interface;
[0016] FIG. 12 shows, in flowchart form, an example method for obtaining
identity data;
[0017] FIG. 13 shows, in flowchart form, an example method for updating a
bill
management interface;
[0018] FIG. 14 is another user interface; and
[0019] FIG. 15 shows, in flowchart form, an example method for initiating
data record
closing.
[0020] Like reference numerals are used in the drawings to denote like
elements and
features.
DETAILED DESCRIPTION OF VARIOUS EMBODIMENTS
[0021] In an aspect there is provided a server computer system comprising
a processor; a
communications module coupled to the processor; and a memory coupled to the
processor, the
memory storing instructions that, when executed, configure the processor to
generate a
recommendation to create a data record at least at one third party server;
send, via the
communications module and to a computing device, a signal causing the
computing device to
display the recommendation, the recommendation including a selectable option
to create the data
record at the at least one third party server; receive, via the communications
module and from the
computing device, a signal indicating selection of the selectable option to
create the data record
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at the at least one third party server; engage, via the communications module,
the third party
server to initiate creation of the data record; retrieve previously-obtained
identity data required to
create the data record; and provide, via the communications module and to the
at least one third
party server, the previously-obtained identity data to create the data record.
[0022] In one or more embodiments, the previously-obtained identity data
is retrieved
from one or more of a data store, a digital identity network, or an
application programming
interface (API) associated with at least one additional third party server.
[0023] In one or more embodiments, the at least one additional third
party server
maintains a data record for a user associated with the computing device.
[0024] In one or more embodiments, the instructions, when executed,
further configure
the processor to determine that the previously-obtained identity data is not
sufficient to complete
the creation of the data record; send, via the communications module and to
the computing
device, a signal causing the computing device to display a request for
identity data to complete
the creation of the data record; receive, via the communications module and
from the computing
device, a signal that includes the requested identity data; and provide, via
the communications
module and to the at least one third party server, the requested identity
data.
[0025] In one or more embodiments, when generating the recommendation to
create the
data record at the at least one third party server, the instructions, when
executed, further
configure the processor to determine one or more additional third party
servers that maintain a
data record for a user associated with the computing device; and generate the
recommendation
based on the one or more additional third party servers.
[0026] In one or more embodiments, the instructions, when executed,
further configure
the processor to obtain authentication information for one or more data
records hosted by one or
more additional third party servers; obtain, via the communications module and
from the one or
more additional third party servers, account data associated with the one or
more data records;
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and send, via the communications module and to the computing device, a signal
causing the
computing device to update a bill management interface to include the account
data.
[0027] In one or more embodiments, the instructions, when executed,
further configure
the processor to send, via the communications module and to the computing
device, a signal
causing the computing device to display a selectable option to close at least
one of the one or
more data records hosted by the one or more additional third party servers;
receive, via the
communications module and from the computing device, a signal indicating
selection of the
selectable option to close a particular data record hosted by a particular
additional third party
server; and send, via the communications module and to the particular
additional third party
server, a signal requesting that the particular data record be closed.
[0028] In one or more embodiments, the instructions, when executed,
further configure
the processor to engage an application programming interface (API) associated
with the third
party server to initiate the creation of the data record; generate an API
request that includes the
previously-obtained identity data; and send, via the communications module and
to the API
associated with the third party server, the generated API request.
[0029] In one or more embodiments, the instructions, when executed,
further configure
the processor to receive, via the communications module and from at least one
third party server,
a signal indicating confirmation of the creation of the data record; obtain,
via the
communications module and from the at least one third party server, account
data associated with
the account; and send, via the communications module and to the computing
device, a signal
causing the computing device to update a bill management interface to include
the account data.
[0030] In one or more embodiments, the account data includes an amount
owing and the
signal causing the computing device to update the bill management interface
causes the
computing device to display a selectable option to submit payment based on the
amount owing.
[0031] In one or more embodiments, the instructions, when executed,
further configure
the processor to send, via the communications module and to the third party
server, a signal
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including a request to reduce a cost associated with the data record based on
at least some of the
previously-obtained identity data satisfying predefined criteria.
[0032] In another aspect there is provided a method comprising generating
a
recommendation to create a data record at least at one third party server;
sending, to a computing
device, a signal causing the computing device to display the recommendation,
the
recommendation including a selectable option to create the data record at the
at least one third
party server; receiving, from the computing device, a signal indicating
selection of the selectable
option to create the data record at the at least one third party server;
engaging the third party
server to initiate creation of the data record; retrieving previously-obtained
identity data required
to create the data record; and providing, to the at least one third party
server, the previously-
obtained identity data to create the data record.
[0033] In one or more embodiments, the previously-obtained identity data
is retrieved
from one or more of a data store, a digital identity network, or an
application programming
interface (API) associated with at least one additional third party server.
[0034] In one or more embodiments, the method further comprises
determining that the
previously-obtained identity data is not sufficient to complete the creation
of the data record;
sending, to the computing device, a signal causing the computing device to
display a request for
identity data to complete the creation of the data record; receiving, from the
computing device, a
signal that includes the requested identity data; and providing, to the at
least one third party
server, the requested identity data.
[0035] In one or more embodiments, generating the recommendation to
create the data
record at the at least one third party server includes determining one or more
additional third
party servers that maintain a data record for a user associated with the
computing device; and
generating the recommendation based on the one or more additional third party
servers.
[0036] In one or more embodiments, the method further comprises obtaining
authentication information for one or more data records hosted by one or more
additional third
Date Recue/Date Received 2021-09-16
party servers; obtaining, from the one or more additional third party servers,
account data
associated with the one or more data records; and sending, to the computing
device, a signal
causing the computing device to update a bill management interface to include
the account data.
[0037] In one or more embodiments, the method further comprises sending,
to the
computing device, a signal causing the computing device to display a
selectable option to close
at least one of the one or more data records hosted by the one or more
additional third party
servers; receiving, from the computing device, a signal indicating selection
of the selectable
option to close a particular data record hosted by a particular additional
third party server; and
sending, to the particular additional third party server, a signal requesting
that the particular data
record be closed.
[0038] In one or more embodiments, the method further comprises engaging
an
application programming interface (API) associated with the third party server
to initiate the
creation of the data record; generating an API request that includes the
previously-obtained
identity data; and sending, via the communications module and to the API
associated with the
third party server, the generated API request.
[0039] In one or more embodiments, the method further comprises
receiving, from at
least one third party server, a signal indicating confirmation of the creation
of the data record;
obtaining, from the at least one third party server, account data associated
with the account; and
sending, to the computing device, a signal causing the computing device to
update a bill
management interface to include the account data.
[0040] In another aspect there is provided a non-transitory computer
readable storage
medium comprising processor-executable instructions which, when executed,
configure a
processor to generate a recommendation to create a data record at least at one
third party server;
send, via a communications module and to a computing device, a signal causing
the computing
device to display the recommendation, the recommendation including a
selectable option to
create the data record at the at least one third party server; receive, via
the communications
module and from the computing device, a signal indicating selection of the
selectable option to
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create the data record at the at least one third party server; engage, via the
communications
module, the third party server to initiate creation of the data record;
retrieve previously-obtained
identity data required to create the data record; and provide, via the
communications module and
to the at least one third party server, the previously-obtained identity data
to create the data
record.
[0041] Other aspects and features of the present application will be
understood by those
of ordinary skill in the art from a review of the following description of
examples in conjunction
with the accompanying figures.
[0042] In the present application, the term "and/or" is intended to cover
all possible
combinations and sub-combinations of the listed elements, including any one of
the listed
elements alone, any sub-combination, or all of the elements, and without
necessarily excluding
additional elements.
[0043] In the present application, the phrase "at least one of ... or..."
is intended to cover
any one or more of the listed elements, including any one of the listed
elements alone, any sub-
combination, or all of the elements, without necessarily excluding any
additional elements, and
without necessarily requiring all of the elements.
[0044] FIG. 1 is a schematic operation diagram illustrating an operating
environment of
an example embodiment. As shown, the system 100 includes a computing device
110 and a
server computer system 120 coupled to one another through a network 130, which
may include a
public network such as the Internet and/or a private network. The computing
device 110 and the
server computer system 120 may be in geographically disparate locations. Put
differently, the
computing device 110 and the server computer system 120 may be located remote
from one
another.
[0045] The computing device 110 may take a variety of forms including,
for example, a
mobile communication device such as a smartphone, a tablet computer, a
wearable computer
(such as a head-mounted display or smartwatch), a laptop or desktop computer,
or a computing
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device of another type. The computing device 110 may be associated with a user
or customer
having resources that are managed by or via the server computer system 120.
For example, the
server computer system 120 may be a financial institution server and the user
may be a customer
of a financial institution operating the financial institution server. The
computing device 110
may store software instructions that cause the computing device 110 to
establish communications
with the server computer system 120.
[0046] The server computer system 120 may maintain a database 140 that
includes
various data records. For example, the server computer system 120 may be a
financial institution
server which may maintain customer bank accounts. In this example, a data
record may, for
example, reflect an amount of value stored in a particular account associated
with a user. The
amount of value may include a quantity of currency.
[0047] The database 140 may include data records for a plurality of
resource accounts
and at least some of the data records may define a quantity of resources
associated with a user or
customer. For example, the user that is associated with the computing device
110 may be
associated with one or more resource accounts having one or more data records
in the database
140. The data records may reflect a quantity of resources that are available
to the user. Such
resources may include owned resources and, in at least some embodiments,
borrowed resources
(e.g., resources available on credit). The quantity of resources that are
available to or associated
with a user may be reflected by a balance defined in an associated data record
such as, for
example, a bank balance. The resource accounts may include, for example, a
chequing account,
a savings account, a borrowing account such as for example a line of credit
account, a credit card
account, a loyalty point account, etc. As such, at least some of the data
records may define a
chequing account balance, a savings account balance, a line of credit account
balance, a credit
card account balance, a loyalty point account balance, etc.
[0048] The database 140 may additionally include data records for storing
identity data
of users or customers. The identity data may include, for example, a name, an
email address, a
social security number, an address, a phone number, etc. of the user. The
identity data may
include identity data previously-obtained to fulfil know-your-customer (KYC)
requirements.
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[0049] The network 130 is a computer network. In some embodiments, the
network 130
may be an internetwork such as may be formed of one or more interconnected
computer
networks. For example, the network 130 may be or may include an Ethernet
network, an
asynchronous transfer mode (ATM) network, a wireless network, a
telecommunications network,
or the like.
[0050] The computing device 110 is adapted to present a graphical user
interface that
allows for communication with the server computer system 120. For example, the
computing
device 110 may be adapted to receive, from the server computer system 120, a
signal that causes
the computing device 110 to display a bill management interface associated
with a bill
management application.
[0051] The system 100 may include a third party server 150 that maintains
data records
associated with one or more users. The third party server 150 may be
associated with a third
party that provides a particular service. For example, the third party server
150 may be
associated with a streaming service provider, a utility service provider, an
internet provider, a
cable provider, a third party financial institution, a credit card provider,
etc.
[0052] The data records maintained by the third party server 150 may
represent accounts
held by users or customers of the particular service. For example, the third
party server 150 may
be associated with a particular streaming service provider and as such a data
record may
represent an account held by a user for the particular streaming service. The
data records may
store account data which may include billing data representing a bill or cost
for using the
particular streaming service. The account data may additionally or
alternatively include identity
data of the user associated with the account such as for example a name, email
address, address,
phone number, etc. of the user.
[0053] The third party server 150 may require authentication information
to access the
data records and the authentication information may be provided, for example,
in the form of a
username/password or in the form of an access token.
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[0054] The third party server 150 may be configured to communicate with
the server
computer system 120 via the network 130. The third party server 150 may
provide account data
and/or may create one or more data records in response to one or more requests
received from
the server computer system 120. In one or more embodiments, the third party
server 150 may be
associated with or may include an application programming interface (API) that
may be
configured to receive API calls from the server computer system 120. The API
calls may include
a request for account data and/or may include a request for creating a data
record.
[0055] It will be appreciated that the system 100 may include additional
third party
servers 150.
[0056] FIG. 2A is a high-level operation diagram of an example computer
device 200. In
some embodiments, the example computer device 200 may be exemplary of one or
more of the
computing device 110, the server computer system 120 and/or the third party
server 150. The
example computer device 200 includes a variety of modules. For example, as
illustrated, the
example computer device 200, may include a processor 210, a memory 220, an
input interface
module 230, an output interface module 240, and a communications module 250.
As illustrated,
the foregoing example modules of the example computer device 200 are in
communication over
a bus 260.
[0057] The processor 210 is a hardware processor. Processor 210 may, for
example, be
one or more ARM, Intel x86, PowerPC processors, or the like.
[0058] The memory 220 allows data to be stored and retrieved. The memory
220 may
include, for example, random access memory, read-only memory, and persistent
storage.
Persistent storage may be, for example, flash memory, a solid-state drive, or
the like. Read-only
memory and persistent storage are a computer-readable medium. A computer-
readable medium
may be organized using a file system such as may be administered by an
operating system
governing overall operation of the example computer device 200.
Date Recue/Date Received 2021-09-16
[0059] The input interface module 230 allows the example computer device
200 to
receive input signals. Input signals may, for example, correspond to input
received from a user.
The input interface module 230 may serve to interconnect the example computer
device 200 with
one or more input devices. Input signals may be received from input devices by
the input
interface module 230. Input devices may, for example, include a touchscreen
input, keyboard,
trackball, or the like. In some embodiments, all or a portion of the input
interface module 230
may be integrated with an input device. For example, the input interface
module 230 may be
integrated with one of the aforementioned example input devices.
[0060] The output interface module 240 allows the example computer device
200 to
provide output signals. Some output signals may, for example, allow provision
of output to a
user. The output interface module 240 may serve to interconnect the example
computer device
200 with one or more output devices. Output signals may be sent to output
devices by output
interface module 240. Output devices may include, for example, a display
screen such as, for
example, a liquid crystal display (LCD), a touchscreen display. Additionally,
or alternatively,
output devices may include devices other than screens such as for example a
speaker, indicator
lamps (such as for example light-emitting diodes (LEDs)), and printers. In
some embodiments,
all or a portion of the output interface module 240 may be integrated with an
output device. For
example, the output interface module 240 may be integrated with one of the
aforementioned
example output devices.
[0061] The communications module 250 allows the example computer device
200 to
communicate with other electronic devices and/or various communications
networks. For
example, the communications module 250 may allow the example computer device
200 to send
or receive communications signals. Communications signals may be sent or
received according
to one or more protocols or according to one or more standards. For example,
the
communications module 250 may allow the example computer device 200 to
communicate via a
cellular data network, such as for example, according to one or more standards
such as, for
example, Global System for Mobile Communications (GSM), Code Division Multiple
Access
(CDMA), Evolution Data Optimized (EVDO), Long-term Evolution (LTE) or the
like.
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Additionally, or alternatively, the communications module 250 may allow the
example computer
device 200 to communicate using near-field communication (NEC), via Wi-Fi
(TM), using
Bluetooth (TM) or via some combination of one or more networks or protocols.
Contactless
payments may be made using NFC. In some embodiments, all or a portion of the
communications module 250 may be integrated into a component of the example
computer
device 200. For example, the communications module may be integrated into a
communications
chipset.
[0062] Software comprising instructions is executed by the processor 210
from a
computer-readable medium. For example, software may be loaded into random-
access memory
from persistent storage of memory 220. Additionally, or alternatively,
instructions may be
executed by the processor 210 directly from read-only memory of memory 220.
[0063] FIG. 2B depicts a simplified organization of software components
stored in
memory 220 of the example computer device 200. As illustrated these software
components
include an operating system 270 and an application 280.
[0064] The operating system 270 is software. The operating system 270
allows the
application 280 to access the processor 210, the memory 220, the input
interface module 230, the
output interface module 240 and the communications module 250. The operating
system 270
may be, for example, Apple iOSTM, Google AndroidTM, LinuxTM, Microsoft
WindowsTM, or the
like.
[0065] The application 280 adapts the example computer device 200, in
combination
with the operating system 270, to operate as a device performing specific
functions. It will be
appreciated that although a single application 280 is shown, in operation the
memory 220 may
include more than one application 280 and different applications 280 may
perform different
operations. For example, in at least some embodiments in which the computer
device 200 is
functioning as the computing device 110, the applications 280 may include a
banking
application. The banking application may be configured for secure
communications with the
server computer system 120 and may provide various banking functions such as,
for example,
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the ability to display a quantum of value in one or more data records (e.g.
display balances),
configure or request that operations such as transfers of value (e.g. bill
payments, email money
transfers and other transfers) be performed, and other account management
functions.
[0066] By way of further example, in at least some embodiments in which
the computer
device 200 functions as the computing device 110, the applications 280 may
include a web
browser, which may also be referred to as an Internet browser. In at least
some such
embodiments, the server computer system 120 may be a web server. The web
server may
cooperate with the web browser and may serve as an interface when the
interface is requested
through the web browser. For example, the web browser may serve as a mobile
banking
interface. The mobile banking interface may provide various banking functions
such as, for
example, the ability to display a quantum of value in one or more data records
(e.g. display
balances), configure or request that operations such as transfers of value
(e.g. bill payments and
other transfers) be performed, and other account management functions.
[0067] By way of further example, in at least some embodiments in which
the computer
device 200 functions as the computing device 110, the applications 280 may
include a bill
management application.
[0068] The bill management application may be configured for secure
communications
with the server computer system 120 and may provide various bill management
functions such as
for example the ability to link one or more accounts hosted by one or more
third party servers,
the ability to display account data associated with one or more linked
accounts hosted by one or
more third party servers, initiate the payment of a bill, configure or request
that one or more
accounts be opened, and other management functions. It will be appreciated
that the bill
management application may be provided as a separate application and/or may be
associated
with or available within the banking application or via mobile banking.
[0069] The user may access the bill management application on the
computing device
110. For example, the user may select a selectable option within the mobile
banking application
that, when selected, directs the computing device 110 to the bill management
application. As
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another example, the bill management application may be downloaded onto the
computing
device 110. As another example, the computing device 110 may access the bill
management
application using an internet browser resident on the computing device 110.
[0070] The user may be required to provide authentication information to
access the bill
management application. For example, using the computing device 110, the user
may enter a
username and password associated with their account and the computing device
110 may send a
signal that includes the username and password to the server computer system
120. The server
computer system 120 may verify the authentication information and may identify
the account of
the user.
[0071] Within the bill management application, the computing device 110
may display a
bill management interface. An example bill management interface 300 is shown
in FIG. 3. As
can be seen, the bill management interface 300 includes a selectable option
310 that, when
selected, sends a signal to the server computer system 120 indicating that the
user would like to
link one or more accounts hosted by one or more third party servers to the
bill management
application. The selectable option 310 may be selected by the user performing,
for example, a
tap gesture on a display screen of the computing device 110 at a location
corresponding to the
selectable option 310.
[0072] Responsive to the user selecting the selectable option 310, the
computing device
110 displays a list of providers. The list of providers may be a predefined or
predetermined list
generated by the server computer system 120. The list of providers may include
a number of
providers for a number of services. For example, the list of providers may
include a list of all
known cable television providers. As another example, the list of providers
may include a list of
all known utility providers within a particular city. The list of providers
may be a list of
providers that the server computer system 120 is able to access account data
therefrom. For
example, the list of providers may only include providers that are associated
with third party
servers that the server computer system 120 is able to communicate with or has
previously
communicated with. The list of providers may additionally or alternatively
include providers
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that provide an application programming interface (API) that may be engaged by
the server
computer system 120 to handle API requests.
[0073] An example interface 400 that includes a list of providers 410 is
shown in FIG. 4.
In this example, the interface 400 is displayed such that it overlaps the bill
management interface
300 shown in FIG. 3. The list of providers 410 includes providers known to the
server computer
system 120. A provider may be selected by the user performing, for example, a
tap gesture on a
display screen of the computing device 110 at a location corresponding to one
of the providers.
The interface 400 includes a selectable option 420 that, when selected, causes
the computing
device 110 to send a signal to the server computer system 120 that includes
information
identifying the selected provider.
[0074] Once a provider has been selected, a method for linking an account
hosted by a
third party server associated with the selected provider is performed.
Reference is made to FIG.
5, which illustrates, in flowchart form, a method 500 for linking an account
hosted by a third
party server. The method 500 may be implemented by a computing device having
suitable
processor-executable instructions for causing the computing device to carry
out the described
operations. The method 500 may be implemented, in whole or in part, by the
server computer
system 120. The server computer system 120 may off-load some operations of the
method 500
to the computing device 110 (FIG. 1).
[0075] The method 500 includes obtaining authentication information for
one or more
data records hosted by one or more additional third party servers (step 510).
[0076] The one or more data records hosted by the one or more additional
third party
servers may be associated with an account of the user.
[0077] In this embodiment, responsive to receiving the signal that
includes information
identifying the selected provider, the server computer system 120 sends a
signal causing the
computing device 110 to display an interface requesting that the user provide
authentication
information that may be used to access their account hosted by the selected
provider. It will be
Date Recue/Date Received 2021-09-16
appreciated that different providers may require different types of
authentication information and
as such the interface may be dependent on the selected provider. For example,
a first provider
may require a username and a password to access an account. As another
example, a second
provider may require an account number and a password to access an account.
The server
computer system 120 may store information identifying what type of
authentication information
is required for each provider in the database 140. For example, the server
computer system 120
and/or the database 140 may maintain a lookup table that includes a list of
the providers and the
type of authentication information required to access the account. In this
manner, the server
computer system 120 may update, adjust or modify the interface prior to it
being displayed on
the computing device 110 to ensure that the requested authentication
information is accurate for
the selected provider.
[0078] An example interface 600 requesting that the user provide
authentication
information is shown in FIG. 6. As can be seen, the interface 600 includes a
first input field 610
to enter a username associated with an account and a second input field 620 to
enter a password
associated with the account. The interface 600 includes a selectable option
630 that, when
selected, sends a signal that includes the authentication information to the
server computer
system 120. Once received, the server computer system 120 may store the
authentication
information in memory. The user may complete the first input field 610 and the
second input
field 620 using, for example, a keyboard displayed on a display screen of the
computing device
110.
[0079] The method 500 includes providing, to the one or more additional
third party
servers, the authentication information (step 520).
[0080] Once the authentication information has been received, the server
computer
system 120 uses the authentication information to access the account.
Specifically, the server
computer system 120 may send a signal that includes the authentication
information and requests
account data therefrom. In response, the third party server may analyze the
authentication
information to authenticate the server computer system 120 and identify the
account. Once
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authenticated, the third party server may retrieve the requested account data
and may send the
requested account data to the server computer system 120.
[0081] In one or more embodiments, the server computer system 120 may
engage an
application programming interface (API) associated with the third party server
and may send, for
example, an API request that includes the authentication information and
requests account data
from the third party server.
[0082] The requested account data may include, for example, a balance
owing on the
account, a due date for paying the balance owing on the account, usage data
such as for example
internet usage data, etc.
[0083] The method 500 includes obtaining, from the one or more additional
third party
servers, account data associated with the one or more data records (step 530).
[0084] In this embodiment, the third party server may obtain the
requested account data
associated with the account. For example, the server computer system 120 may
request account
data that includes the balance of the account and a due date for when the
balance is to be paid.
As such, the third party server may obtain the balance of the account and the
due date for when
the balance is to be paid and may send the obtained account data to the server
computer system
120. In this manner, the server computer system 120 obtains the account data.
[0085] The method 500 includes sending a signal causing the computing
device to update
the bill management interface to include the account data (step 540).
[0086] The server computer system 120 sends a signal that causes the
computing device
110 to update the bill management interface to include the account data. For
example, where the
requested account data includes a balance of the account and a due date for
when the balance is
to be paid, the bill management interface may be updated to display the
account data.
[0087] An example interface 700 is shown in FIG. 7. As can be seen, the
interface 700
includes a graphic element 710 that includes the account data. Specifically,
the graphic element
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710 includes identifying information of the provider ("Mobile Company A") and
the account
data which in this example is the balance of the account ($75.00) and the due
date for when
payment is to be made (October 1). The interface 700 includes a selectable
option 720 that,
when selected, initiates payment of the balance of the account. Once the user
has selected the
selectable option 720, the server computer system 120 may perform steps to
transfer payment to
the third party server. For example, the server computer system 120 may
transfer payment from
a chequing account of the user hosted by the server computer system 120 to the
third party
server. In this manner, the user may pay the bill simply by selecting the
selectable option 720.
[0088] The graphic element 710 may be selectable by the user. For
example, the user
may perform a tap gesture on a display screen of the computing device 110 at a
location
corresponding to the graphic element 710. In one example, responsive to the
user selecting the
graphic element 710, the server computer system 120 may send additional
account data for
display on the computing device 110. For example, the server computer system
120 may send
usage data obtained from the third party server and this may be displayed on
the computing
device 110. In another example, responsive to the user selecting the graphic
element 710, the
computing device 110 may be directed to a mobile application or website hosted
by the third
party server. The user may then log into their account hosted by the third
party server and may
view additional account data. In another example, responsive to the user
selecting the graphic
element 710, the computing device 110 may display a settings or configuration
page that may be
used by the user to update or change one or more settings associated with
their account. For
example, the user may select which one of their bank accounts they would like
to use to pay the
bill. As another example, the user may schedule the paying of the bill such
that the server
computer system 120 may automatically pay the bill on a particular day that is
set by the user. It
will be appreciated that, responsive to the user scheduling the paying of the
bill, the interface 700
may be updated to display information indicating that the user has scheduled
bill payment.
[0089] The interface 700 may additionally include a selectable option 730
that may be
selected by the user to link one or more additional accounts and this may be
completed in
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manners similar to that described herein. Once completed, account data for all
linked accounts
may be displayed.
[0090] An example interface 800 is shown in FIG. 8. As can be seen, the
interface 800
includes graphic elements 810, 820, 830 each of which are associated with a
particular account
that has been linked to the bill management hub. In this manner, each time the
user accesses the
bill management hub, the server computer system 120 may perform steps to
obtain up-to-date
account data and display the up-to-date account data within the graphic
elements 810, 820, 830.
[0091] As will be described in more detail, based on which accounts are
linked by the
user, the server computer system 120 may generate recommendations to create a
data record at a
particular third party server. Once the user has accepted a recommendation,
data record creation
may be initiated.
[0092] Reference is made to FIG. 9, which illustrates, in flowchart form,
a method 900
for initiating data record creation at a third party server. The method 900
may be implemented
by a computing device having suitable processor-executable instructions for
causing the
computing device to carry out the described operations. The method 900 may be
implemented,
in whole or in part, by the server computer system 120. The server computer
system 120 may
off-load some operations of the method 900 to the computing device 110 (FIG.
1).
[0093] The method 900 includes generating a recommendation to create a
data record at
least at one third party server (step 910).
[0094] In this embodiment, the recommendation may be generated based on
one or more
additional third party servers that maintain another data record for the user
associated with the
computing device 110. Put another way, the recommendation may be generated
based on what
accounts the user has linked to the bill management hub. The server computer
system 120 may
determine or identify the one or more additional third party servers based on
what accounts the
user has linked.
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Date Recue/Date Received 2021-09-16
[0095]
In this embodiment, the server computer system 120 may engage an artificial
intelligence recommendation engine to generate the recommendation and this may
be based on
the one or more additional third party servers. The server computer system 120
may provide the
artificial intelligence recommendation engine with access to the database 140
which may include
a list of providers and may include a list of all users or customers that have
an account with the
financial institution associated with the server computer system 120 and/or a
list of all users or
customers who have linked accounts to the bill management hub. The list of all
users or
customers may not identify the users or customers by name, but may include
demographic data
associated with the users or customers. For example, the list may include the
age and location of
each user or customer.
[0096]
The artificial intelligence recommendation engine may utilize machine learning
techniques to generate the recommendations.
Specifically, the artificial intelligence
recommendation engine may utilize machine learning algorithms that may include
collaborative
and/or content-based filtering. The artificial intelligence recommendation
engine may generate
the recommendations in real-time or near-real-time and this may be done each
time the user has
accessed the bill management hub.
[0097]
Using the data obtained from the database 140, the artificial intelligence
recommendation engine may filter the data to provide relevant recommendations
to the user.
Filtering the data may include utilizing a content-based filter, cluster
analysis and/or a
collaborative filter.
[0098]
The recommendations include a recommendation to create a data record at a
third
party server. Put another way, the recommendations include a recommendation to
open an
account at a provider that the user does not already have an account with.
[0099]
The artificial intelligence recommendation engine may filter the data to
identify
one or more third party servers associated with one or more providers that the
user is likely to be
interested in. For example, the user may have linked an account associated
with a particular
streaming service and an account associated with a particular cable television
provider. Using
Date Recue/Date Received 2021-09-16
data obtained from the database 140, the artificial intelligence
recommendation engine may
generate a recommendation to open an account with a second particular
streaming service and
this may be based on the fact that users or customers within a same
demographic of the user have
recently opened or linked accounts with the second particular streaming
service.
[0100] The method 900 includes sending, to a computing device, a signal
causing the
computing device to display the recommendation, the recommendation including a
selectable
option to create the data record at the at least one third party server (step
920).
[0101] Once the recommendation has been generated, the server computer
system 120
may obtain the recommendation from the artificial intelligence recommendation
engine and may
send a signal causing the computing device 110 to display the recommendation.
The signal may
cause the computing device 110 to update the bill management interface to
include the
recommendation. For example, the interface 800 shown in FIG. 8 may be updated
to include the
recommendation.
[0102] An example user interface 1000 that includes a recommendation 1010
is shown in
FIG. 10. As can be seen, in this example, the recommendation 1010 is a
recommendation to
create a data record at a third party server associated with Streaming Service
A. Put another way,
the recommendation 1010 is a recommendation to open an account with Streaming
Service A.
The recommendation 1010 includes a selectable option 1020 that, when selected,
indicates that
the user would like to create a data record and thus open an account with
Streaming Service A.
[0103] In the example shown in FIG. 10, the interface is updated such
that the
recommendation is displayed within a specific portion of the bill management
interface. The
specific portion may correspond to the location of the recommendation 1010.
Put another way, a
portion of the bill management interface may be reserved to display
notifications. In the event
that the user has linked a large number of accounts to the bill management
hub, a size of the
graphic elements associated with each linked account may be automatically
adjusted to ensure all
graphic elements fit within the bill management interface while a portion of
the bill management
interface remains reserved to display recommendations. The portion reserved to
display
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recommendations may be located, for example, at the top of the bill management
interface or at
the bottom of the bill management interface.
[0104] In another example, the notification may be displayed as an
indicator, where the
indicator is selectable to view more information. An example user interface
1100 that includes
an indicator 1110 is shown in FIG. 11. The indicator 1110 is positioned within
the user interface
1100 at a location likely to get the attention of the user. The indicator 1110
may be displayed
with animation features to further get the attention of the user. For example,
the indicator 1110
may be animated such that it appears to sparkle or bounce while being
displayed on the user
interface 1100. Other animation features may be used. The indicator may be of
any shape such
as for example a star shaped, a rectangle, a circle, etc. and may be of any
colour such as black,
blue, yellow, etc.
[0105] The indicator 1110 is selectable. For example, the user may
perform a tap gesture
at a location on a display screen of the computing device 110 to select the
indicator 1110.
Responsive to the user selecting the indicator 1110, the server computer
system 120 and/or the
computing device 110 may provide further information regarding the
notification. For example,
a pop-up window may be displayed that may be similar to the recommendation
1010 shown in
FIG. 10 and may also include a selectable option to create the data record. In
the example shown
in FIG. 11, by displaying the notification as an indicator, the amount of
space within the interface
to display graphic elements associated with linked accounts is maximized as
there is no reserved
portion of the user interface for displaying recommendations.
[0106] The method 900 includes receiving, from the computing device, a
signal
indicating selection of the selectable option to create the data record at the
at least one third party
server (step 930).
[0107] Responsive to the user selecting the selectable option to create
the data record at
the at least one third party server, the computing device 110 may send a
signal to the server
computer system 120 indicating selection of the selectable option.
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Date Recue/Date Received 2021-09-16
[0108] The method 900 includes engaging the third party server to
initiate creation of the
data record (step 940).
[0109] Responsive to receiving the signal indicating selection of the
selectable option to
create the data record, the server computer system 120 may engage the third
party server to
initiate creation of the data record.
[0110] In one or more embodiments, the server computer system 120 may
engage an
application programming interface (API) associated with the third party server
to initiate the
creation of the data record.
[0111] A minimum amount of identity data may be required to initiate the
creation of the
data record. For example, the third party server may require a name, an email
address and a
mailing address of the user prior to creating the data record. As such, the
server computer
system 120 may identify or determine what identity data is required to create
the data record.
The server computer system 120 may request this information from the third
party server, either
directly or via the API, or may have previously stored this information in
memory such as in the
database 140.
[0112] The method 900 includes retrieving previously-obtained identity
data required to
create the data record (step 950).
[0113] The previously-obtained identity data may be retrieved from a data
store, a digital
identity network, at least one additional third party server and/or an API
associated with at least
one additional third party server. As will be described, it may be that at
least some of the identity
data is not available and as such the server computer system 120 may request
this information
from the user.
[0114] The data store may include the database 140 and as such the
previously-obtained
identity data may include data obtained by the server computer system 120 and
stored in the
database 140. For example, to open an account with the financial institution
associated with the
server computer system 120, the financial institution may have had to verify
identity data of the
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Date Recue/Date Received 2021-09-16
user or customer to fulfill know-your-customer (KYC) requirements. As such,
this verified
identity data may be stored in the database 140 and may be retrieved by the
server computer
system 120 and used to create the data record.
[0115] The server computer system 120 may request previously-obtained
identity data
from a digital identity network. The digital identity network may be a
blockchain network which
includes a number of nodes. The blockchain network is a decentralized peer-to-
peer network in
which nodes may maintain respective copies of an append-only ledger.
[0116] The blockchain network may be a permissioned blockchain network in
which
only authorized nodes are permitted to add blocks to the blockchain. For
example, only verified
nodes may be granted permission to write to the blockchain. The verified nodes
may be trusted
nodes such as nodes associated with government organizations or other trusted
entities such as
banks. By way of example, the verified nodes may be associated with a driver's
license bureau,
a credit bureau, a government identity issuing office such as a passport
office or birth registry
office, or an office of another type. Given ones of these nodes may maintain
identity records of
various types. For example, a node associated with a passport office may
maintain digital
passport records, a node associated with a driver's license bureau may
maintain digital licensing
records, a node associated with a credit bureau may maintain digital credit
records, and a node
associated with a bank may maintain digital banking records. Various verified
nodes may
maintain contact information records which may, for example, specify an email
address, postal
address, telephone number, or other type of contact information.
[0117] Accordingly, at least some verified nodes may write to the
blockchain. At least
some of the blocks written to the blockchain may be related to identity data.
The digital identity
network may store identity data associated with a plurality of users. In at
least some
embodiments, identity data representing personal information may not be
included in the
blockchain. Instead, the blocks may store a private secret that is related to
such identity data.
The private secret may act as proof to the existence of the identity data and
may be used to verify
the authenticity of the data. For example, in at least some embodiments, the
private secret may
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Date Recue/Date Received 2021-09-16
be a hash of the identity data such that, when the identity data is received
from another system
(i.e., a system apart from the verified node maintaining the digital identity
data), it may be
verified from the hash stored in a block on the blockchain. For example, in
retrieving identity
data from the digital identity network, the server computer system 120 may
obtain the identity
data from another system and may use the data on the blockchain to verify such
data.
[0118] The blockchain network may, for example, be implemented using
Hyperledger
Fabric, for example. It will, however, be appreciated that the blockchain
network may take other
forms.
[0119] The server computer system 120 may request previously-obtained
identity data
from at least one additional third party server. The at least one additional
third party server may
be a third party server that hosts an account linked to the bill management
hub by the user. The
at least one third party server may be accessed by the server computer system
120 directly or via
an API. It will be appreciated that at least some identity data may have
already been obtained
from the at least one additional third party server by the server computer
system 120. For
example, the account data obtained during method 500 described herein may
include identity
data. The server computer system 120 may additionally or alternatively obtain
the previously-
obtained identity data from the at least one additional third party server
using the authentication
information obtained when the account was linked to the bill management hub.
[0120] It will be appreciated that the previously-obtained identity data
may be obtained
from different sources. For example, the server computer system 120 may
retrieve the user's
name and mailing address from the database 140 and may retrieve, using the
name and the
mailing address of the user, a credit score of the user from the digital
identity network.
[0121] The server computer system 120 may execute instructions that
attempt to obtain
the required identity data in an order that reduces the reliance on computing
resources such as
network traffic. Put another way, in an effort to reduce the reliance on
computing resources, the
server computer system 120 may attempt to retrieve the identity data locally
prior to requesting
the identity data through the network. For example, the server computer system
120 may
Date Recue/Date Received 2021-09-16
attempt to retrieve the identity data from the database 140. The server
computer system 120 may
determine that at least some of the required identity data is not available
from the database 140
and may then attempt to retrieve the identity data from the account data
obtained during method
500 described herein. The server computer system 120 may determine that at
least some of the
required identity data is not available from the account data, and may request
or obtain the
identity data from the at least one additional third party server and may use
the authentication
information to do so. The server computer system 120 may determine that at
least some of the
required identity data is not available from the at least one additional third
party server, and may
request the required identity data from the digital identity network. As such,
the server computer
system 120 may sequentially attempt to obtain the required identity data and
this may be done in
an effort to reduce the reliance on computing resources such as network
traffic.
[0122] In at least some embodiments, the server computer system 120 may
determine
that at least some of the required identity data is not available and as such
may request the
identity data from the user directly. Reference is made to FIG. 12, which
illustrates, in flowchart
form, a method 1200 for obtaining identity data. The method 1200 may be
implemented by a
computing device having suitable processor-executable instructions for causing
the computing
device to carry out the described operations. The method 1200 may be
implemented, in whole or
in part, by the server computer system 120. The server computer system 120 may
off-load some
operations of the method 1200 to the computing device 110 (FIG. 1).
[0123] The method 1200 includes sending, to the computing device, a
signal causing the
computing device to display a request for identity data to complete the
creation of the data record
(step 1210).
[0124] In one or more embodiments, the signal may cause the computing
device 110 to
display a window that includes one or more input fields to be completed by the
user. The user
may complete the input fields using, for example, a keyboard displayed on a
display screen of
the computing device 110. The window may include a selectable option that,
when selected,
sends a signal that includes the identity data as entered by the user.
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Date Recue/Date Received 2021-09-16
[0125] In another embodiment, the signal may cause the computing device
110 to display
a window that includes one or more selectable options that, when selected,
directs the computing
device 110 to a particular mobile application or website. For example, the
required identity data
may include a credit score of the user. As such, the one or more selectable
options may direct the
computing device 110 to a particular mobile application or website associated
with retrieving the
credit score of the user. The user may log into the mobile application or
website and the
computing device 110 and/or the server computer system 120 may obtain the
credit score from
the mobile application or the computing device 110 using, for example, screen
scraping or other
techniques.
[0126] The method 1200 includes receiving, from the computing device, a
signal that
includes the requested identity data (step 1220).
[0127] The server computer system 120 receives, from the computing device
110, a
signal that includes the requested identity data. For example, the signal may
include the identity
data as entered by the user in the one or more input fields. As another
example, the signal may
include data obtained via screen scraping.
[0128] The server computer system 120 may store the obtained identity
data in the
database 140.
[0129] The method 900 includes providing, to the at least one third party
server, the
previously-obtained identity data to create the data record (step 960).
[0130] The server computer system 120 sends the previously obtained
identity data to the
at least one third party server to create the data record. In an embodiment,
the server computer
system 120 may send a signal that includes the previously-obtained identity
data and a request to
create the data record to the at least one third party server. In another
embodiment, the server
computer system 120 may generate an API request that includes the previously-
obtained identity
data and the request to create the data record and may send the API request to
the API associated
with the third party server.
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Date Recue/Date Received 2021-09-16
[0131] Responsive to receiving the identity data, the at least one third
party server may
create the data record. Put another way, using the identity data, the at least
one third party server
may perform operations to open or create an account for the user.
[0132] The at least one third party server may require that the user
generate a username
and password associated with the account and as such the at least one third
party server may send
a signal to the server computer system 120 requesting that a username and
password be provided.
In response, the server computer system 120 may obtain the username and
password used for the
account hosted by the server computer system 120 and may send, in an encrypted
data format,
the username and password to be used. Alternatively, the server computer
system 120 may send
a signal causing the computing device 110 to display a window that includes
one or more input
fields that can be used to enter a desired username and password. In another
embodiment, the at
least one third party server may email the user which may include instructions
to provide a
username and password for the account.
[0133] Once the data record has been created, operations are performed to
update the bill
management interface. Reference is made to FIG. 13, which illustrates, in
flowchart form, a
method 1300 for updating a bill management interface. The method 1300 may be
implemented
by a computing device having suitable processor-executable instructions for
causing the
computing device to carry out the described operations. The method 1300 may be
implemented,
in whole or in part, by the server computer system 120. The server computer
system 120 may
off-load some operations of the method 1300 to the computing device 110 (FIG.
1).
[0134] The method 1300 includes receiving, from the at least one third
party server, a
signal indicating confirmation of the creation of the data record (step 1310).
[0135] Responsive to creating the data record, the at least one third
party server may send
a signal to the server computer system 120 indicating confirmation of the
creation of the data
record.
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Date Recue/Date Received 2021-09-16
[0136] The method 1300 includes obtaining, from the at least one third
party server,
account data associated with the data record (step 1320).
[0137] The server computer system 120 obtains, from the at least one
third party server,
account data associated with the data record. The account data may be obtained
from the at least
one third party server once the data record creation has completed or may be
requested by the
server computer system 120 in response to receiving the signal indicating
confirmation of the
creation of the data record.
[0138] Similar to that described above, the account data may include, for
example, a
balance owing on the account, a due date for paying the balance owing on the
account, usage
data such as for example internet usage data, etc.
[0139] The method 1300 includes sending, to the computing device, a
signal causing the
computing device to update a bill management interface to include the account
data (step 1330).
[0140] The server computer system 120 sends a signal that causes the
computing device
110 to update the bill management interface to include the account data. For
example, where the
account data includes a balance of the account and a due date for when the
balance is to be paid,
the bill management interface may be updated to display the account data.
[0141] An example interface 1400 is shown in FIG. 14. The example
interface 1400 is
an updated version of the interface 800. As can be seen, the updated interface
1400 includes a
graphic element 1410 that includes the account data of the newly opened
account. Specifically,
the graphic element 1410 includes identifying information of the provider
("Streaming Service
A") and the account data which in this example is a balance of the account
($0.00) and the due
date for when payment is to be made (N/A). It will be appreciated that the
balance of the
account and the due date are reflective of the fact that the account has just
been opened.
[0142] Once data record creation has completed, the server computer
system 120 may
select a default account to be used to pay the bill for the data record. For
example, the server
computer system 120 may select a chequing account or credit card account
associated with the
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Date Recue/Date Received 2021-09-16
user and this may be used to pay the bill for the data record. Within the bill
management hub,
the user may select a different account that is to be used for payment.
[0143] It will be appreciated that the bill management hub may be
configured to perform
additional account management functions. For example, as mentioned, the
graphic elements
displayed on the bill management interface may be selectable by the user.
Responsive to the user
selecting a graphic element, the computing device 110 may display a settings
or configuration
page that may be used by the user to update or change one or more settings
associated with their
account. The settings or configuration page may include a selectable option to
initiate the
closing of the account. Reference is made to FIG. 15, which illustrates, in
flowchart form, a
method 1300 for initiating data record closing. The method 1500 may be
implemented by a
computing device having suitable processor-executable instructions for causing
the computing
device to carry out the described operations. The method 1500 may be
implemented, in whole or
in part, by the server computer system 120. The server computer system 120 may
off-load some
operations of the method 1500 to the computing device 110 (FIG. 1).
[0144] The method 1500 includes sending, to the computing device, a
signal causing the
computing device to display a selectable option to close at least one of the
data records hosted by
one or more additional third party servers (step 1510).
[0145] As mentioned, responsive to the user selecting a graphic element
by performing,
for example, a tap gesture at a location on a display screen of the computing
device 110
corresponding to the graphic element, the server computer system 120 may send
a signal causing
the computing device to display a selectable option to close a particular
account. The selectable
option may be included with the settings or configuration page, for example.
[0146] The method 1500 includes receiving, from the computing device, a
signal
indicating selection of the selectable option to close a particular data
record hosted by a
particular third party server (step 1520).
Date Recue/Date Received 2021-09-16
[0147] Responsive to the user selecting the selectable option, the
computing device 110
sends a signal to the server computer system 120 indicating selection of the
selectable option.
Based on the selection, the server computer system 120 may identify which
account is to be
closed and may then identify the particular third party server.
[0148] The method 1500 includes sending, to the particular third party
server, a signal
requesting that the particular data record be closed (step 1530).
[0149] The server computer system 120 sends a signal to the third party
server requesting
that the particular data record be closed. Put another way, the signal
requests that the account be
closed. In an embodiment, the server computer system 120 may send the signal
to the at least
one third party server or may generate an API request that requests that the
account be closed and
may send the API request to the API associated with the third party server.
[0150] Responsive to receiving the signal, the third party server may
take steps to close
the account and/or delete the data record associated with the account. It will
be appreciated that
the closing of the account may not be immediate, as the user may have paid for
a service up until
a particular date. As such, the account data displayed within the bill
management interface may
be updated to indicate the date on which the account is to be closed.
[0151] Once the account is closed, the server computer system 120 may
send a signal to
the computing device 110 to update the bill management interface to remove the
graphic element
associated with the closed data record (step 1540).
[0152] Responsive to receiving the signal, the computing device 110 may
update the bill
management interface to remove the graphic element associated with the closed
account.
[0153] In another example, the server computer system 120 may negotiate
or attempt to
reduce the cost associated with a particular data record, service or account.
For example, the
server computer system 120 may monitor identity data of the user such as for
example a credit
score of the user. Responsive to the credit score going above a threshold
score, the server
computer system 120 may send a signal to a third party server requesting that
a cost associated
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with a service be reduced based on the fact that the credit score of the user
is above the threshold
score. In another example, the server computer system 120 may send a request
to reduce a cost
associated with a particular service and this may be done periodically. For
example, every six
(6) months the server computer system 120 may send a request to reduce the
cost.
[0154] In another example, the bill management interface may include a
selectable option
to negotiate the cost of a particular service. In this example, the selectable
option may only be
displayed once a year and, once selected by the user, may not be displayed for
another year. In
this manner, the user may request that the server computer system 120
negotiate a particular cost
or bill on their behalf and this may only be requested once per year.
[0155] In another example, the server computer system 120 may offer
discounts to the
user within the bill management hub. For example, a particular third party
server may wish to
offer a discount to a particular group of users at the financial institution
associated with the
server computer system 120. The particular group of users may be of a same
demographic. The
demographic may include users that have a particular annual salary, users that
have a credit score
above a threshold, users of a certain age, users of a certain marital status,
users that share a
common postal code, users within a same city, etc. As one example, an internet
service provider
may have expanded service to a new postal code. The internet service provider
may wish to send
a promotion to as many people within the new postal code. As such, the
internet service provider
may utilize the financial institution associated with the server computer
system 120 to send the
offer to all users within the new postal code that are also customers of the
financial institution.
The offer may be presented in the bill management hub in manners similar to
that described
herein. For example, the offer may be presented in a manner similar to the
recommendations
described herein.
[0156] Offers may be presented to the user based on historical data. For
example, a user
may have a perfect track record of paying off their bills on time. As such, a
provider may wish
to offer this user a discount for their service.
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Date Recue/Date Received 2021-09-16
[0157] The methods described herein may be modified and/or operations of
such
methods combined to provide other methods.
[0158] Example embodiments of the present application are not limited to
any particular
operating system, system architecture, mobile device architecture, server
architecture, or
computer programming language.
[0159] It will be understood that the applications, modules, routines,
processes, threads,
or other software components implementing the described method/process may be
realized using
standard computer programming techniques and languages. The present
application is not
limited to particular processors, computer languages, computer programming
conventions, data
structures, or other such implementation details. Those skilled in the art
will recognize that the
described processes may be implemented as a part of computer-executable code
stored in volatile
or non-volatile memory, as part of an application-specific integrated chip
(ASIC), etc.
[0160] As noted, certain adaptations and modifications of the described
embodiments can
be made. Therefore, the herein discussed embodiments are considered to be
illustrative and not
restrictive.
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