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    Remote control for online banking
    92.
    发明授权
    Remote control for online banking 有权

    公开(公告)号：US09646342B2

    公开(公告)日：2017-05-09

    申请号：US13946183

    申请日：2013-07-19

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Matthew A. Calman ,  William E. Kelley ,  Chris Purvis ,  Dipika Jain ,  Michael E. Toth

    IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q40/02

    CPC classification number: G06Q40/02

    Abstract: Disclosed is a system and associated method of using a customer's mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer's online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer's online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer's online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer's online banking account and (ii) the mobile device is bound to the computing device.

    Method for collective network of augmented reality users
    94.
    发明授权
    Method for collective network of augmented reality users 有权
    增强现实用户集体网络的方法

    公开(公告)号：US09519924B2

    公开(公告)日：2016-12-13

    申请号：US15045185

    申请日：2016-02-16

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Matthew A. Calman ,  Erik Stephen Ross ,  Alfred Hamilton

    IPC: G06Q30/06 ,  G06Q30/02 ,  G06T19/00 ,  G09G5/00 ,  G06Q50/00 ,  H04L29/06

    CPC classification number: G06Q30/0605 ,  G06Q30/02 ,  G06Q30/0613 ,  G06Q30/0623 ,  G06Q30/0635 ,  G06Q30/0641 ,  G06Q50/01 ,  G06T19/006 ,  G09G5/003 ,  G09G2370/022 ,  H04L65/403 ,  H04L65/60

    Abstract: Embodiments of the invention provide for using video analysis, such as augmented reality or the like to assist a group of users to utilize mobile devices for creating a collective network environment of users that identifies objects in which one or more users in a group of users may be interested, and notifies the one or more users of information associated with the object. A collective network comprises a group of users that each have a mobile device that contains or is otherwise operatively coupled to a data capture device. For example, the mobile device may be a mobile phone that is capable of taking video with a camera device. A user in the collective network may capture video on his mobile device, and an application can identify the object in the video and provide interested users in the collective network with information about the object.

    Abstract translation: 本发明的实施例提供了使用诸如增强现实等的视频分析来帮助一组用户利用移动设备来创建用户的集体网络环境，所述用户识别一组用户中的一个或多个用户可能的对象 感兴趣，并通知一个或多个用户与该对象相关联的信息。 集体网络包括一组用户，每个用户具有包含或以其他方式操作地耦合到数据捕获设备的移动设备。 例如，移动设备可以是能够使用相机设备拍摄视频的移动电话。 集体网络中的用户可以在其移动设备上捕获视频，并且应用可以识别视频中的对象，并向集体网络中的感兴趣的用户提供关于对象的信息。

    Single payment card for flexible payment vehicle options for a transaction
    96.
    发明授权
    Single payment card for flexible payment vehicle options for a transaction 有权
    用于交易的灵活支付车辆选项的单一支付卡

    公开(公告)号：US09514456B2

    公开(公告)日：2016-12-06

    申请号：US13827665

    申请日：2013-03-14

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Tony England ,  Scott Lee Harkey ,  Matthew A. Calman

    IPC: G06Q40/00 ,  G06Q20/34 ,  G06Q20/40

    CPC classification number: G06Q20/3572 ,  G06Q20/405

    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule.

    Abstract translation: 本发明的实施例涉及一种系统，方法或计算机程序产品，用于向客户提供与客户的可用支付车辆相关联的单个交易卡。 因此，单个交易卡可以被客户用来完成与商家的交易。 随后，根据客户规则或客户选择，本发明可以将交易引导到所选择的支付车辆。 规则包括客户可以输入的任何偏好，允许本发明自动将单个交易卡交易应用于支付车辆。 因此，可以针对特定商家触发规则，特定交易金额，特定位置等。 如果通过使用单个交易卡进行的交易触发了规则，则触发的交易将被自动应用于与该规则相关的支付工具。

    Use of SKU level e-receipt data for future marketing
    99.
    发明授权
    Use of SKU level e-receipt data for future marketing 有权
    使用SKU级电子收据数据进行未来营销

    公开(公告)号：US09384497B2

    公开(公告)日：2016-07-05

    申请号：US13952023

    申请日：2013-07-26

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Matthew A. Calman ,  Jason P. Blackhurst ,  Katherine Dintenfass ,  Laura C. Bondesen ,  Carrie A. Hanson

    IPC: G06F7/00 ,  G06Q30/02

    CPC classification number: G06Q30/0251 ,  G06Q30/0264

    Abstract: Embodiments of the invention relate to systems, methods, and computer program products for determining and providing an offer to a customer based at least in part on product level data associated with a transaction. The system, method, and computer program product are configured to receive unstructured data from a customer account, wherein the unstructured data comprises product level data for a transaction; convert the unstructured data into structured data; determine a transaction at a financial institution corresponding to the structured data; determine an offer for a customer based on the product level data and the transaction; and provide the offer to the customer. Typically, product level data related to transactions is not available to financial institution. This disclosure describes a system and method for identifying and using product level data.

    Abstract translation: 本发明的实施例涉及用于至少部分地基于与交易相关联的产品级数据来确定并向客户提供报价的系统，方法和计算机程序产品。 系统，方法和计算机程序产品被配置为从客户帐户接收非结构化数据，其中非结构化数据包括用于交易的产品级数据; 将非结构化数据转换为结构化数据; 确定与结构化数据相对应的金融机构的交易; 根据产品级数据和交易确定客户的报价; 并向客户提供报价。 通常，与交易相关的产品级别数据不可用于金融机构。 本公开描述了用于识别和使用产品级数据的系统和方法。

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