公开(公告)号：US20160012410A1

公开(公告)日：2016-01-14

申请号：US14328147

申请日：2014-07-10

Applicant: Bank of America Corporation

Inventor： Carrie Anne Hanson ,  Sharon Scanlon ,  Davindar Gill ,  David M. Grigg

IPC: G06Q20/32 ,  H04W4/02 ,  G06Q30/00

CPC classification number: G06Q20/3224 ,  G06Q20/3552 ,  G06Q20/405 ,  G06Q30/016 ,  H04W4/023

Abstract: Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, the identity of a customer may be determined based on detection of a signal by a personal computing device of the customer. One or more associate users associated with that customer may be identified and a location of the associate user may be transmitted to the customer user. In other examples, a category of an identified customer may be determined and an associate user equipped to work with that determined category of customer may be identified.

Abstract translation: 提供了被配置为基于所确定的位置和/或身份来确定用户的位置，识别用户和提供附加服务的系统，方法，设备和计算机可读介质。 在一些示例中，可以基于客户的个人计算设备对信号的检测来确定客户的身份。 可以识别与该客户相关联的一个或多个关联用户，并且可以向客户用户发送关联用户的位置。 在其他示例中，可以确定所识别的客户的类别，并且可以识别配备有与确定的顾客类别一起工作的关联用户。

公开(公告)号：US20150332415A1

公开(公告)日：2015-11-19

申请号：US14280112

申请日：2014-05-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Neil Johansen ,  Farhan Ahmed Siddiqi ,  David Reed Godsman ,  David M. Grigg

IPC: G06Q40/00

CPC classification number: G06Q40/12 ,  G06Q20/202 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q40/02

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.

Abstract translation: 本发明的实施例涉及用于向客户提供电子收据的系统，方法和计算机程序产品。 实施例接收客户的授权，以便客户登记在交易电子收据通信程序中; 接收对应于客户在商家交易点执行的至少一个交易的交易数据; 并且至少部分地基于所接收的交易数据，向客户发起电子收据的通信。 一些实施例从交易电子收据通信程序点接收来自多个注册商家的登记以进行注册; 并构建一个合作商家列表，其中包括与实施交易电子收据通信程序点的金融机构合作的多个合作商家对应的信息。

公开(公告)号：US20150227731A1

公开(公告)日：2015-08-13

申请号：US14175863

申请日：2014-02-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Peter John Bertanzetti ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Joseph Neil Johansen ,  Michael E. Toth ,  Elizabeth S. Votaw

IPC: G06F21/31

CPC classification number: H04L63/083 ,  G06F21/31 ,  G06F21/41 ,  H04L63/04 ,  H04L63/08 ,  H04L63/10

Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.

Abstract translation: 本发明包括用于基于第一动作认证第二动作的系统，其中所述系统被配置为：接收执行与第一应用相关联的第一动作的第一请求; 确定第一个操作的执行需要用户认证; 从用户请求一个或多个认证凭证; 接收与第一动作相关联的第一认证证书; 验证第一认证证书，从而导致对所接收的第一认证凭证的成功验证; 响应成功验证，执行第一个动作; 接收执行与第二应用相关联的第二动作的第二请求; 确定第二个动作的执行需要用户认证; 使用第一认证证书的成功验证来验证第二认证证书，以便可以执行第二动作。

公开(公告)号：US20150227729A1

公开(公告)日：2015-08-13

申请号：US14175672

申请日：2014-02-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Joseph Neil Johansen ,  Carrie Anne Hanson ,  Charles Jason Burrell ,  Elizabeth S. Votaw

IPC: G06F21/31

CPC classification number: H04L63/105 ,  G06F17/30312 ,  G06F17/30528 ,  G06F17/30867 ,  G06F21/31 ,  G06Q40/02 ,  H04L63/0823 ,  H04L63/083 ,  H04L63/0853 ,  H04L63/0861 ,  H04L63/0876 ,  H04L63/107 ,  H04W12/06

Abstract: Embodiments of the invention are directed to a system, method, and a computer program product self-selected user access based on specific authentication types. The system typically including a memory, a processor, and a module configured to receive from a user, a user-selected preference, wherein the user-selected preference comprises one or more authentication types desired by the user; determine a level of authentication from a plurality of levels of authentication are associated with the one or more authentication types associated with the user-selected preference; initiate the presentation of a user interface that enables the user to select one or more application functions, wherein the one or more application functions are associated with the determined level of authentication; receive from a user, a selection of one or more application functions.

Abstract translation: 本发明的实施例涉及基于特定认证类型的系统，方法和计算机程序产品自选用户访问。 该系统通常包括存储器，处理器和被配置为从用户接收用户选择的优先级的模块，其中用户选择的优选包括用户期望的一种或多种认证类型; 确定来自多个认证级别的认证级别与与所述用户选择的偏好相关联的所述一个或多个认证类型相关联; 启动允许用户选择一个或多个应用功能的用户界面的呈现，其中所述一个或多个应用功能与所确定的认证级别相关联; 从用户接收，选择一个或多个应用功能。

公开(公告)号：US20150227726A1

公开(公告)日：2015-08-13

申请号：US14175615

申请日：2014-02-07

Applicant: Bank Of America Corporation

Inventor： David M. Grigg ,  Charles Jason Burrell ,  Peter John Bertanzetti

IPC: G06F21/31

CPC classification number: H04L63/105 ,  G06F21/31 ,  G06F21/629 ,  G06F2221/2113 ,  G06F2221/2149 ,  H04L9/3226 ,  H04L63/083 ,  H04L63/0853 ,  H04L63/0861 ,  H04L63/0876 ,  H04L63/107 ,  H04W4/80

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving a request from a user for access to at least one function associated with a first application; determining that access to at least one function requires user authentication; initiating sensing of an authentication validating carrier comprising a first credential; determining the first credential based at least in part on the sensed authentication validating carrier; validating the first credential, thereby resulting in a first successful user authentication; and granting access to at least one function associated with the first application based on the validation of the first successful user authentication.

Abstract translation: 本发明的实施例涉及用于从用户接收对与第一应用相关联的至少一个功能的访问的请求的系统，方法和计算机程序产品; 确定对至少一个功能的访问需要用户认证; 启动对包括第一凭证的验证验证载体的感测; 至少部分地基于感测到的认证验证载体来确定第一证书; 验证第一个凭证，从而导致第一个成功的用户认证; 以及基于所述第一成功用户认证的验证，授予对与所述第一应用相关联的至少一个功能的访问。

公开(公告)号：US20140279409A1

公开(公告)日：2014-09-18

申请号：US13803672

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q40/00

CPC classification number: G06Q40/00

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending a payment vehicle for a transaction, retroactively. In this way, the invention provides retroactive payment vehicle recommendation after the transaction has occurred based on criteria from customer inputs, customer in-flows, and customer out-flows. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. Subsequently the system may apply the transaction to the determined recommended payment vehicle. Then the temporary line of credit may be terminated.

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，用于追溯地推荐用于交易的支付车辆。 以这种方式，本发明根据客户输入，客户流入和客户流出的标准，在交易发生后提供追溯支付车辆推荐。 以这种方式，客户可以使用临时信用额度与商家完成交易。 随后，系统可以将交易应用于确定的推荐支付车辆。 那么临时信用额度可能会被终止。

公开(公告)号：US20140279270A1

公开(公告)日：2014-09-18

申请号：US13829551

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/06

CPC classification number: G06Q30/0635

Abstract: Embodiments of the invention relate to systems and methods that enable a user to pre-order products from an internal or external organization. The organization procures the products and/or completes the pre-order, such as completes a payment for the pre-order or finishes the pre-order, based on the location of the user, as determined through the user's mobile device. The order is only completed when the customer location is determined to be within a desired location of the collection point for the pre-order. Preparation of the products pre-ordered by the user commences upon the user location satisfying a predetermined criteria, such as the user being located an approximate distance from a particular location, the user having an approximate arrival time from a particular location, the user located within an electronic geographic fenced area around a particular location, or the user identified as moving with respect to a particular location.

Abstract translation: 本发明的实施例涉及使用户能够从内部或外部组织预订产品的系统和方法。 组织采购产品和/或完成预订，例如根据用户的移动设备确定的用户的位置完成预订的付款或完成预订。 只有当客户位置被确定为在预订的收集点的期望位置内时，订单才完成。 由用户预订的产品的准备开始于满足预定标准的用户位置，诸如用户位于与特定位置大致距离的位置，用户具有来自特定位置的近似到达时间，位于内部的用户 围绕特定位置的电子地理围栏区域，或被识别为相对于特定位置移动的用户。

公开(公告)号：US20140279005A1

公开(公告)日：2014-09-18

申请号：US13827664

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Susan Smith Thomas ,  Laura Corinne Bondesen ,  David M. Grigg

IPC: G06Q30/02

CPC classification number: G06Q30/0215

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for presenting an offer to a consumer based on account balance information and consumer location information. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with the mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine whether the balance value of the credit account has an existing balance value greater than zero; and (d) present, via the mobile computing device of the consumer, the offer to the consumer based at least in part on determining that the geographic location of the mobile device of the consumer is proximate to or coincident with a location of the merchant and determining that the existing balance value of the credit account associated with the merchant is greater than zero.

Abstract translation: 本发明的实施例涉及用于基于帐户余额信息和消费者位置信息向消费者呈现提供的系统，方法和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收与消费者的移动计算设备相关联的地理位置信息; （b）接收与消费者的信用账户有关的信息，其中消费者是信用账户的持有人; （c）确定信用账户的余额值是否具有大于零的现有余额值; 以及（d）至少部分地基于确定消费者的移动设备的地理位置与商家的位置接近或一致地经由消费者的移动计算设备呈现给消费者的提议，以及 确定与商家相关联的信用账户的现有余额值大于零。

公开(公告)号：US20140278999A1

公开(公告)日：2014-09-18

申请号：US13829571

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/02

CPC classification number: G06Q30/0259

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing offers to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network; and present the offer based on the determination.

Abstract translation: 本发明的实施例涉及用于向与联合零售商网络相关联的一个或多个客户提供优惠的系统，方法和计算机程序产品。 实施例确定与联合零售商网络相关联的一个或多个客户靠近与作为联合零售商网络的零售商的零售商相关联的零售商物理位置; 并向零售商附近的一个或多个联合网络客户提出报价。 在一些实施例中，确定包括识别移动设备与作为联合零售商网络的成员的至少一个零售商的客户相关联。 一些实施例确定位于该位置附近的客户不是与该位置相关联的零售商的客户，并且是与网络相关联的顾客; 并根据决定提出要约。

公开(公告)号：US20140278989A1

公开(公告)日：2014-09-18

申请号：US13828819

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg ,  Laura Corinne Bondesen ,  Susan Smith Thomas

IPC: G06Q30/02

CPC classification number: G06Q30/0215

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a prepaid account and a location of a consumer who is the holder of the prepaid account. In some embodiments, a method is provided that includes: (a) receiving geographic location information associated with a consumer; (b) receiving information associated with the prepaid account of the consumer, wherein the consumer is a holder of the prepaid account; (c) determining a balance value of the prepaid account of the consumer; and (d) determining an offer to present to the consumer based at least partially on the balance value of the prepaid account and the location of the consumer.

Abstract translation: 本发明的实施例涉及用于基于预付帐户的余额值和作为预付帐户持有者的消费者的位置来确定报价的系统，方法和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收与消费者相关联的地理位置信息; （b）接收与消费者的预付帐户相关联的信息，其中消费者是预付帐户的持有人; （c）确定消费者预付账款的余额; 和（d）至少部分地基于预付帐户的余额值和消费者的位置来确定向消费者呈现的要约。