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公开(公告)号：US09965729B2
公开(公告)日：2018-05-08
申请号：US15009530
申请日：2016-01-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Lee Harkey , David M. Grigg , Laura Corinne Bondesen , Matthew A. Calman
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.
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公开(公告)号：US09934536B2
公开(公告)日：2018-04-03
申请号：US15237528
申请日：2016-08-15
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
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.
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133.发明授权Method for populating budgets and/or wish lists using real-time video image analysis 有权使用实时视频图像分析填充预算和/或愿望清单的方法公开(公告)号：US09524524B2
公开(公告)日：2016-12-20
申请号：US15045189
申请日：2016-02-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Erik Stephen Ross
CPC classification number: G06Q30/0641 , G06K9/00671 , G06K9/00744 , G06Q10/10 , G06Q30/02 , G06Q30/06 , G06Q30/0613 , G06Q30/0633 , G06Q30/0643 , G06Q40/02 , G06Q40/12 , G06T11/60 , G06T19/006
Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to provide the user of a mobile device with real-time budgeting and wish lists. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to provide the user with real-time budget impact and wish list updates based on the products and budget data determined as being the object. In this way, the objects, which may be products and/or budget data in the real-time video stream, may be included into a user's budget and/or wish list, such that the user receives real-time budget and/or wish list updates incorporating product and/or budget data located in a real-time video stream.
Abstract translation: 提供系统，方法和计算机程序产品，用于使用实时视频分析，例如增强现实，为移动设备的用户提供实时预算和愿望清单。 通过使用实时视觉对象识别对象，标识，艺术作品，产品，位置以及可在实时视频流中识别的其他特征，可以与与之相关联的数据匹配，从而向用户提供实时 基于被确定为对象的产品和预算数据的预算影响和愿望清单更新。 以这种方式，可以将实时视频流中的产品和/或预算数据的对象包括在用户的预算和/或愿望列表中，使得用户接收实时预算和/或希望 包含位于实时视频流中的产品和/或预算数据的列表更新。
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公开(公告)号：US09519934B2
公开(公告)日：2016-12-13
申请号：US13946658
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
CPC classification number: G06Q40/02 , G06Q20/108 , G06Q20/32 , G06Q20/322 , G06Q20/3221 , G06Q20/3224 , G06Q20/325 , G06Q20/40 , G06Q20/4014 , G06Q20/4016 , G06Q20/403 , G06Q20/4037 , G06Q20/405 , G06Q20/425 , G06Q30/00 , G06Q30/06 , G06Q30/0601 , G06Q30/0633 , G06Q40/00
Abstract: Disclosed is a system and associated method for restricting access to a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device.
Abstract translation: 公开了一种用于限制访问客户的在线银行账户的系统和相关联的方法。 该系统通常包括存储在存储器中的处理器，存储器和网上银行模块。 该模块通常被配置用于确定计算设备已经启动与客户的在线银行帐户相关联的第一网上银行交易。 如果第一网上银行交易是在第一受限制的交易定义内，并且如果计算设备未被注册到客户的在线银行帐户，则与计算设备相关联的地理位置信息和与登记有客户端的第一移动设备相关联的地理位置信息 收到帐号。 该模块确定计算设备的位置是否靠近预定义的位置和/或计算设备的位置是否接近第一移动设备的位置。
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135.发明授权System for populating budgets and/or wish lists using real-time video image analysis 有权用于使用实时视频图像分析填充预算和/或愿望清单的系统公开(公告)号：US09519932B2
公开(公告)日：2016-12-13
申请号：US15045188
申请日：2016-02-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Erik Stephen Ross
CPC classification number: G06Q30/0641 , G06K9/00671 , G06K9/00744 , G06Q10/10 , G06Q30/02 , G06Q30/06 , G06Q30/0613 , G06Q30/0633 , G06Q30/0643 , G06Q40/02 , G06Q40/12 , G06T11/60 , G06T19/006
Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to provide the user of a mobile device with real-time budgeting and wish lists. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to provide the user with real-time budget impact and wish list updates based on the products and budget data determined as being the object. In this way, the objects, which may be products and/or budget data in the real-time video stream, may be included into a user's budget and/or wish list, such that the user receives real-time budget and/or wish list updates incorporating product and/or budget data located in a real-time video stream.
Abstract translation: 提供系统，方法和计算机程序产品，用于使用实时视频分析，例如增强现实，为移动设备的用户提供实时预算和愿望清单。 通过使用实时视觉对象识别对象，标识，艺术作品，产品，位置以及可在实时视频流中识别的其他特征，可以与与之相关联的数据匹配，从而向用户提供实时 基于被确定为对象的产品和预算数据的预算影响和愿望清单更新。 以这种方式，可以将实时视频流中的产品和/或预算数据的对象包括在用户的预算和/或愿望列表中，使得用户接收实时预算和/或希望 包含位于实时视频流中的产品和/或预算数据的列表更新。
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Patent Agency Ranking
公开(公告)号：US09384514B2
公开(公告)日：2016-07-05
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 , G06F3/0482 , G06F3/0484 , G06F17/30 , G06Q40/00
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.
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公开(公告)号：US09384478B2
公开(公告)日：2016-07-05
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
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。
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公开(公告)号：US20160171629A1
公开(公告)日：2016-06-16
申请号：US15047598
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
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.
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公开(公告)号：US20160162960A1
公开(公告)日：2016-06-09
申请号：US15045185
申请日：2016-02-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Erik Stephen Ross , Alfred Hamilton
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。
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公开(公告)号：US20160150372A1
公开(公告)日：2016-05-26
申请号：US15009530
申请日：2016-01-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Lee Harkey , David M. Grigg , Laura Corinne Bondesen , Matthew A. Calman
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.
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