公开(公告)号：US20160163004A1

公开(公告)日：2016-06-09

申请号：US15047572

申请日：2016-02-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth S. Votaw ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Candice Michelle Jones ,  Charles Karim Aweida ,  Parker Holt Bossier ,  Rebecca A. Chen ,  Nandhita Kumar ,  Min Zhao

IPC: G06Q50/00 ,  G06Q40/00 ,  G06F17/30 ,  G06F3/0482 ,  G06F3/0484

CPC classification number: G06Q40/12 ,  G06F3/0482 ,  G06F3/04842 ,  G06F17/30601 ,  G06F17/30867 ,  G06F17/3087 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q50/01

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities based on the location, social relationship, entity, category, or other activity information and display the activities and activity information in customized interfaces.

公开(公告)号：US09324115B2

公开(公告)日：2016-04-26

申请号：US14032653

申请日：2013-09-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth S. Votaw ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Candice Michelle Jones ,  Charles Karim Aweida ,  Parker Holt Bossier ,  Rebecca A. Chen ,  Nandhita Kumar ,  Min Zhao

IPC: G06Q50/00 ,  G06Q40/00

CPC classification number: G06Q40/00 ,  G06Q40/02 ,  G06Q50/01 ,  H04L43/04 ,  H04L67/22 ,  H04L67/24 ,  H04L67/306 ,  H04W64/006

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system aggregates the activity information for a number of activities based on the location, user, entity, category, cost, time period, or the like and displays the aggregated activity information in an activity review interface. The financial and social management system may supplement the aggregated activity information with educational data.

Abstract translation: 本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。 财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，位置确定设备等，并且将活动信息和图像与活动相关联。 财务和社会管理系统根据位置，用户，实体，类别，成本，时间段等聚合一些活动的活动信息，并将活动信息显示在活动审查界面中。 财务和社会管理系统可以用教育数据补充汇总的活动信息。

公开(公告)号：US09324114B2

公开(公告)日：2016-04-26

申请号：US14032646

申请日：2013-09-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth S. Votaw ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Candice Michelle Jones ,  Charles Karim Aweida ,  Parker Holt Bossier ,  Rebecca A. Chen ,  Nandhita Kumar ,  Min Zhao

IPC: G06Q50/00 ,  G06Q40/00

CPC classification number: G06Q40/12 ,  G06F17/30061 ,  G06F17/30601 ,  G06F17/30867 ,  G06F17/3087 ,  G06Q50/01

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may display the activities, activity information, and images in an interactive map using markers. The markers in the interactive may be displayed as a function of the time of the activity, include images, or transaction data related to the activity. Positioning information related to the location of the user at the time of the activities may also be overlaid on the interactive map.

公开(公告)号：US09311685B2

公开(公告)日：2016-04-12

申请号：US13826671

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Scott Lee Harkey ,  David M. Grigg ,  Laura Corinne Bondesen ,  Matthew A. Calman

IPC: G06Q30/00 ,  G06Q50/10 ,  G06Q50/00 ,  H04L29/08 ,  G06Q30/06

CPC classification number: G06Q10/02 ,  G06Q10/04 ,  G06Q30/0601 ,  G06Q30/0619 ,  G06Q50/01 ,  G06Q50/10 ,  H04L67/18 ,  H04W4/02 ,  H04W4/021

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant.

Abstract translation: 本发明的实施例涉及用于提供地理位置登记系统的系统，方法和计算机程序产品。 示例性装置被配置为收集与用户相关的定位数据。 在收集位置数据之后，装置可以被配置为至少部分地基于用户已经越过与商家的位置相关联的地理围栏的阈值的定位数据来确定。 至少部分地基于该确定，该装置可以被配置为发起与用户相关联的商家签入并向用户传送用户信息。

公开(公告)号：US09177451B2

公开(公告)日：2015-11-03

申请号：US13785970

申请日：2013-03-05

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  David M. Grigg ,  Carrie Anne Hanson

IPC: G06Q20/12 ,  G06Q20/32 ,  G06Q20/34 ,  G07G1/00

CPC classification number: G07G1/0081 ,  G06Q20/127 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3276 ,  G06Q20/3567

Abstract: Systems, methods and computer programs provide for implementing a mobile communication device, such as a smart telephone or the like, as a point of transaction for in-store purchases, such that all a customer needs to do is capture the coded indicia of products they desire (i.e., scan the products) with their mobile communication device as they shop and the purchase transaction will subsequently occur based on either the customer (in possession of the mobile communication device) being physically located in a designated area of the store or the lapse of a predetermined period of time from when the coded indicia was captured.

Abstract translation: 系统，方法和计算机程序提供实现诸如智能电话等的移动通信设备作为用于店内购买的交易点，使得所有客户需要做的是捕获其产品的编码标记 随着他们的购物和移动通信设备的欲望（即，扫描产品），并且购买交易将随后基于物理上位于商店的指定区域中的客户（拥有移动通信设备）或流逝 从编码标记被捕获起的预定时间段。

公开(公告)号：US20150106243A1

公开(公告)日：2015-04-16

申请号：US14052334

申请日：2013-10-11

Applicant: Bank of America Corporation

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

IPC: G06Q40/00

CPC classification number: G06Q40/12

Abstract: Apparatus, methods, and computer program products are provided for that automatically identify transactions and/or items in a transaction that are associated with a group of individuals, such as a family, co-workers, a special interest group, a demographic group a social network group or the like. Once transactions and/or items in the transaction have been identified as being associated with the group, the transaction data associated with the transactions and/or the items in the transactions is aggregated and aggregated views of the data are made accessible to individuals in the group, such as through a financial institution financial management application, e.g., online or mobile banking application.

Abstract translation: 提供了装置，方法和计算机程序产品，用于自动识别与一组个人相关联的交易和/或项目，例如家庭，同事，特殊兴趣组，社会群体 网络组等。 一旦交易中的交易和/或项目已经被识别为与该组相关联，则与交易相关联的交易数据和/或交易中的项目被聚合，并且数据的聚合视图使组中的个人可访问 ，例如通过金融机构财务管理应用程序，例如在线或手机银行应用程序。

公开(公告)号：US20150100467A1

公开(公告)日：2015-04-09

申请号：US14049537

申请日：2013-10-09

Applicant: Bank of America Corporation

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

IPC: G06Q40/00 ,  G06Q20/04

CPC classification number: G06Q40/12 ,  G06Q10/10

Abstract: Apparatus, methods, and computer program products are described for automatically determining which individual, from amongst a group of individuals, for example, a household, should be assigned which items in a transaction for the purpose of assessing budget for the group on a per-individual level. Transaction item-identifying data, such as an e-receipt is analyzed to identify items in a transaction, the transaction is determined to be associated an account that is tied to a group of individuals and the items in the transaction are determined to belong to or otherwise, for budgetary purposes, assignable to an individual belonging to the group.

Abstract translation: 描述了装置，方法和计算机程序产品，用于自动确定哪些个人（例如，一组中的个人）应当被分配在交易中哪个项目用于评估基于每个人的组的预算， 个人水平 分析诸如电子收据之类的交易项目识别数据以识别交易中的项目，该交易被确定为与一组个人相关联的账户相关联，并且交易中的项目被确定为属于或 否则，出于预算目的，可转让给属于该组的个人。

公开(公告)号：US20150088771A1

公开(公告)日：2015-03-26

申请号：US14032464

申请日：2013-09-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth S. Votaw ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Candice Michelle Jones ,  Charles Karim Aweida ,  Parker Holt Bossier ,  Rebecca A. Chen ,  Nandhita Kumar ,  Min Zhao

IPC: G06Q50/00 ,  G06Q40/00

CPC classification number: G06Q50/01 ,  G06Q40/00

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may tag the activities with activity information, such as location, social relationship, entity, and category information. Moreover, the financial and social management system may display the activity and activity information in activity list interfaces, packaged activity interfaces, filtered activity interfaces, activity history interfaces, activity review interfaces, or other like interfaces that incorporate aspects of financial transactions and social networking information.

Abstract translation: 本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。 财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，位置确定设备等，并且将活动信息和图像与活动相关联。 财务和社会管理系统可以使用活动信息来标记活动，例如位置，社会关系，实体和类别信息。 此外，财务和社会管理系统可以在活动列表界面，打包的活动界面，过滤的活动界面，活动历史界面，活动审查界面或其他类似的界面中显示活动和活动信息，其中包含金融交易和社交网络信息的各个方面 。

公开(公告)号：US20150088751A1

公开(公告)日：2015-03-26

申请号：US14558986

申请日：2014-12-03

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Marc I. Warshawsky ,  Raja Bose

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/4016 ,  G06Q40/00

Abstract: Embodiments of the invention provide misappropriation protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location.

Abstract translation: 本发明的实施例提供了用户位置验证的盗用保护。 所述方法，装置和计算机程序产品至少部分地基于确定与与交易相关联的账户持有者相关联的移动设备位于距与所述交易相关联的位置在预定距离内的方式来批准交易。 在移动设备位于与交易相关联的位置之外的预定距离之外的一些示例实施方式中，接收与之前批准的交易相关联的信息，并且至少部分地基于事先批准的交易已经发生在同一事件的确定 位置。

公开(公告)号：US20150088717A1

公开(公告)日：2015-03-26

申请号：US14032741

申请日：2013-09-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth S. Votaw ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Candice Michelle Jones ,  Charles Karim Aweida ,  Parker Holt Bossier ,  Rebecca A. Chen ,  Nandhita Kumar ,  Min Zhao

IPC: G06Q50/00 ,  G06Q40/00

CPC classification number: G06Q50/01 ,  G06Q40/00

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may identify activities associated with other users (e.g., gift deposit) that can be ultimately linked to other activities associated with merchants (e.g., purchase of a product). The financial and social management system may provide social relationship information between users based on the activities entered by the first user when other users are involved or linked to the activities.

Abstract translation: 本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。 财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，联系人列表，日历等，并将活动信息和图像与活动相关联。 财务和社会管理系统可以识别与其他用户相关联的活动（例如，礼物存款），其可以最终与与商家相关联的其他活动（例如，购买产品）相关联。 财务和社会管理系统可以基于在其他用户涉及或与活动相关联时由第一用户输入的活动来在用户之间提供社交关系信息。