公开(公告)号：US20150088715A1

公开(公告)日：2015-03-26

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：US20150073984A1

公开(公告)日：2015-03-12

申请号：US14548393

申请日：2014-11-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Charles Dominic Andrews ,  Scott A. Weigman ,  Matthew A. Calman

IPC: G06Q20/10 ,  G06Q20/40

CPC classification number: G06Q20/1085 ,  G06Q20/40 ,  G06Q40/02

Abstract: System, method, and computer program product are provided for a user to send and receive P2P payments using an ATM machine. Through the use of an ATM, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities from the ATM using those accounts. In this way, the user may ensure a secure payment to a third-party through the network associated with the financial institution and ATM. The payments may be directed to individuals the user may input into the system or to pre-established entities. This invention allows a user to receive and provide payments for any type of transaction utilizing the security, accuracy, and convenience provided to the user by an ATM.

Abstract translation: 提供系统，方法和计算机程序产品，供用户使用ATM机发送和接收P2P支付。 通过使用ATM，用户可以访问用户在金融机构的帐户，并使用这些帐户直接向ATM的其他个人或实体支付费用。 以这种方式，用户可以通过与金融机构和ATM相关联的网络确保对第三方的安全支付。 付款可以针对用户可以输入到系统或预先建立的实体的个人。 本发明允许用户通过ATM向用户提供的安全性，准确性和方便性来接收和提供任何类型的交易的支付。

公开(公告)号：US20150032602A1

公开(公告)日：2015-01-29

申请号：US13953106

申请日：2013-07-29

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q40/02

CPC classification number: G06Q30/0631 ,  G06Q40/02

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for understanding past transactions based on purchase history. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve information associated with the request from a structured financial account database; and provide a recommendation to the customer based on the request and the information retrieved.

公开(公告)号：US20150032586A1

公开(公告)日：2015-01-29

申请号：US13952362

申请日：2013-07-26

Applicant: Bank of America Corporation

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

IPC: G06Q40/00

CPC classification number: G06Q30/0631 ,  G06Q40/00

Abstract: Embodiments related to tracking consumer consumption for purchased items are included in systems that receive e-receipt data, including stack keeping unit (SKU) level data from a customer and compare the e-receipt data with transaction data. The systems identify transactions associated with one or more customer goals based on the SKU level data and calculate a first quantity of consumption for each of the identified transactions.

Abstract translation: 跟踪消费者购买物品消费相关的实施例包括在接收电子收据数据的系统中，包括来自客户的堆栈保存单元（SKU）级数据，并将电子收据数据与交易数据进行比较。 系统基于SKU级数据识别与一个或多个客户目标相关联的交易，并且计算每个所识别的交易的第一消费量。

公开(公告)号：US20150032538A1

公开(公告)日：2015-01-29

申请号：US13953229

申请日：2013-07-29

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/02

CPC classification number: G06Q30/0255

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing offers based on electronic receipt data. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, where the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format; convert the purchase transaction data from the unstructured format to a structured format; associate the structured purchase transaction data with the customer's online banking application; identify an offer associated with one or more products purchased by the customer; and provide the customer the offer based at least partially on the customers purchase transaction data.

Abstract translation: 本发明的实施例涉及用于基于电子收据数据提供报价的系统，方法和计算机程序产品。 示例性装置被配置为识别与商家和客户之间的关于交易的所识别的电子通信相关联的购买交易数据，其中购买交易数据包括来自交易的产品级数据; 接收所识别的购买交易数据，其中以非结构化格式接收所述购买交易数据; 将购买交易数据从非结构化格式转换为结构化格式; 将结构化采购交易数据与客户的网上银行应用相关联; 识别与客户购买的一种或多种产品相关的报价; 并至少部分地根据客户购买交易数据向客户提供报价。

公开(公告)号：US20150032537A1

公开(公告)日：2015-01-29

申请号：US13952380

申请日：2013-07-26

Applicant: Bank of America Corporation

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

IPC: G06Q30/02

CPC classification number: G06Q30/0255 ,  G06Q30/0267

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for analyzing e-receipt data for loyalty card usage. The apparatus, methods, and computer program products comprise: a memory; a processor; and a module stored in memory, executable by a processor, and configured to: receive information associated with a purchase, wherein the information includes a payment type; analyze the payment type, wherein analyzing the payment type comprises determining if the payment type is associated with a loyalty card; and transmit, in response to determining the payment type is associated with a loyalty card, an offer to a second apparatus.

Abstract translation: 本发明的实施例涉及用于分析会员卡使用的电子收据数据的装置，方法和计算机程序产品。 设备，方法和计算机程序产品包括：存储器; 处理器 以及存储在存储器中的可由处理器执行并且被配置为：接收与购买相关联的信息的模块，其中所述信息包括支付类型; 分析支付类型，其中分析支付类型包括确定支付类型是否与忠诚卡相关联; 并且响应于确定支付类型与忠诚卡相关联，向第二装置发送提议。

公开(公告)号：US20150032526A1

公开(公告)日：2015-01-29

申请号：US13953223

申请日：2013-07-29

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/06 ,  G06Q30/02

CPC classification number: G06Q30/0631 ,  G06Q30/0215 ,  G06Q30/0224 ,  G06Q30/0623 ,  G06Q30/0629

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing product evaluation. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer, the purchase transaction data includes product level data from a transaction, receive the identified purchase transaction data, the purchase transaction data is received in an unstructured format, convert the purchase transaction data from the unstructured format to a structured format, associate the structured purchase transaction data with the customer's online banking application, aggregate purchase transaction data related to one or more products purchased by the customer, determine one or more products are purchased on a recurring basis, and provide the customer with one or more options based at least partially on determining the one or more products are purchased on a recurring basis.

Abstract translation: 本发明的实施例涉及用于提供产品评估的系统，方法和计算机程序产品。 示例性装置被配置为识别与商家和客户之间的所识别的电子通信相关联的购买交易数据，所述购买交易数据包括来自交易的产品级数据，接收所识别的购买交易数据，所述购买交易数据在非结构化 将购买交易数据从非结构化格式转换为结构化格式，将结构化采购交易数据与客户的在线银行应用相关联，与客户购买的一个或多个产品相关的总体购买交易数据，确定一个或多个产品是 至少部分地基于确定一个或多个产品是经常性购买的，为客户提供一个或多个选项。

公开(公告)号：US20150032525A1

公开(公告)日：2015-01-29

申请号：US13952912

申请日：2013-07-29

Applicant: Bank of America Corporation

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

IPC: G06Q30/02

CPC classification number: G06Q30/0226 ,  G06Q30/0224

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for using transaction history to incentivize the use of a financial institution bank card. In some embodiments, an apparatus is configured to receive an information associated with a transaction history from a structured database associated with a customer's financial institution account, wherein the information is a recurring periodic payment; identify a first payment type associated with the information received, wherein the first payment type is not associated with the financial institution; and provide an incentive to the customer to use a second payment type instead of the first payment type, wherein the second payment type is associated with the financial institution.

Abstract translation: 本发明的实施例涉及使用交易历史来激励金融机构银行卡的使用的装置，方法和计算机程序产品。 在一些实施例中，设备被配置为从与客户的金融机构帐户相关联的结构化数据库接收与交易历史相关联的信息，其中所述信息是定期周期性支付; 识别与所接收的信息相关联的第一支付类型，其中所述第一支付类型不与所述金融机构相关联; 并且向所述客户提供使用第二支付类型而不是所述第一支付类型的激励，其中所述第二支付类型与所述金融机构相关联。

公开(公告)号：US20150032480A1

公开(公告)日：2015-01-29

申请号：US13952303

申请日：2013-07-26

Applicant: Bank of America Corporation

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

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Embodiments for determining insurance valuations are included in systems that receive e-receipt data, including stock keeping unit (SKU) level data from a customer and compare the e-receipt data with transaction data. The systems match the e-receipt data to one or more transactions based on the comparison, identify at least one insurance related transaction from the one or more transactions based on the SKU level data, calculate the value of an insurance claim based on the at least one insurance related transaction.

Abstract translation: 用于确定保险估值的实施例包括在接收电子收据数据的系统中，包括来自客户的库存单位（SKU）级数据，并将电子收据数据与交易数据进行比较。 该系统基于比较将电子收据数据与一个或多个交易相匹配，基于SKU等级数据识别来自一个或多个交易的至少一个保险相关交易，基于至少基于SKU级数据计算保险索赔的价值 一个保险相关交易。

公开(公告)号：US20150026055A1

公开(公告)日：2015-01-22

申请号：US13946519

申请日：2013-07-19

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q20/32

CPC classification number: G06Q20/3223 ,  G06Q40/02

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution.

Abstract translation: 本发明的实施例涉及用于提供离线移动银行系统的系统，方法和计算机程序产品。 一种示例性设备被配置为：在移动设备处提供交易请求，确定在移动设备与与金融机构相关联的设备之间未建立连接，响应于确定连接而存储交易请求尚未被 建立，建立移动设备和与金融机构相关联的服务器之间的连接，并将存储的交易请求从移动设备传送到与金融机构相关联的设备。