公开(公告)号：US20160117750A1

公开(公告)日：2016-04-28

申请号：US14981429

申请日：2015-12-28

Applicant: Bank of America Corporation

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

IPC: G06Q30/06 ,  G06Q20/32 ,  H04W4/00

CPC classification number: G06K9/00671 ,  G06K9/00711 ,  G06K9/62 ,  G06K2209/27 ,  G06Q10/00 ,  G06Q10/06315 ,  G06Q20/12 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q30/02 ,  G06Q30/0623 ,  G06Q30/0635 ,  G06Q30/0641 ,  G06Q30/0643 ,  G06T19/006 ,  H04W4/70

Abstract: A system for accessing product information from embedded sensors via mobile device video analysis is disclosed. The system includes a processing device configured for analyzing a video stream of the surrounding environment captured on a mobile device. At least one product that has one or more embedded sensors associated therewith is identified within the surrounding environment. The system retrieves information associated with the one or more products from the one or more embedded sensors. Information retrieved, or information derived from the information retrieved, from the embedded sensors is presented to the user via a display of the video stream on the mobile device.

公开(公告)号：US09323852B2

公开(公告)日：2016-04-26

申请号：US14032686

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: G06F17/30 ,  G06Q40/02 ,  G06Q50/00

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.

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从各种信息来源确定位置，社会关系，实体，类别等，并且使用位置标签，社会关系标签，实体标签，类别标签等标记活动。 标签允许用户根据位置，社会关系，实体，类别或其他活动信息轻松过滤活动，并在定制界面中显示活动和活动信息。

公开(公告)号：US20150100416A1

公开(公告)日：2015-04-09

申请号：US14049808

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: G06Q30/02

CPC classification number: G06Q30/0253

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing electronic communications based on interactive marketing analysis. An exemplary apparatus is configured to receive purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, wherein the purchase transaction data includes product level data from a transaction, receive interactive marketing data associated with identified electronic communications between a merchant and a customer regarding an offer or advertisement, determine the customer's personal interests based at least partially on an analysis of the purchase transaction data and interactive marketing data, and provide the customer an electronic communication based at least partially on determining the customer will be interested in at least one offer or advertisement, wherein the electronic communication includes the at least one offer or advertisement.

Abstract translation: 本发明的实施例涉及用于基于交互式营销分析提供电子通信的系统，方法和计算机程序产品。 示例性设备被配置为接收与商家和客户之间的关于交易的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，接收与商家之间的所识别的电子通信相关联的交互式营销数据 和客户关于报价或广告，至少部分地基于对购买交易数据和交互式营销数据的分析来确定客户的个人兴趣，并且至少部分地基于确定客户将感兴趣的方式向客户提供电子通信 至少一个报价或广告，其中所述电子通信包括所述至少一个报价或广告。

公开(公告)号：US09001180B2

公开(公告)日：2015-04-07

申请号：US13652326

申请日：2012-10-15

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  Elizabeth S. Votaw ,  Alicia C. Jones ,  Su Liu ,  Lynn Streja ,  Nir Rachmel ,  Wanwen Han ,  Rajat Agrawal ,  Cameron Jungeun Park-Hur ,  James Robert Grimsley

IPC: H04N7/15

CPC classification number: H04N7/15 ,  H04N7/155 ,  H04N21/4751

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving input to initiate a video conference with a first participant from a user; initiating the video conference between the user and the first participant; receiving a request to add at least a second participant to the video conference from at least one of the user and the first participant, the request comprising credentials associated with the second participant; determining that the second participant is authorized to join the video conference based on the credentials; and connecting the second participant to the video conference.

Abstract translation: 本发明的实施例涉及用于接收来自用户的与第一参与者发起视频会议的输入的系统，方法和计算机程序产品; 在用户和第一参与者之间发起视频会议; 从所述用户和所述第一参与者中的至少一个接收至少将第二参与者添加到所述视频会议的请求，所述请求包括与所述第二参与者相关联的凭证; 基于所述凭证确定所述第二参与者被授权加入所述视频会议; 并将第二参与者连接到视频会议。

公开(公告)号：US20150088716A1

公开(公告)日：2015-03-26

申请号：US14032655

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

CPC classification number: G06Q50/01 ,  G06Q40/02

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 identifies activity history for a location or time period in the past, and displays the activities, activity information, and images for the location or time period in the in past in an activity history interface. At least a portion of the activity history may be shared with other users, and offers may be shared based on the activity history.

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识别过去位置或时间段的活动历史记录，并且在活动历史界面中显示过去的位置或时间段的活动，活动信息和图像。 活动历史的至少一部分可以与其他用户共享，并且可以基于活动历史共享优惠。

公开(公告)号：US20150046307A1

公开(公告)日：2015-02-12

申请号：US13961584

申请日：2013-08-07

Applicant: Bank of America Corporation

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

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q20/12

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for providing automatic determination of discretionary and non-discretionary spending at a transaction item-level and providing related item-level filtering within a personal financial management application, such as online banking, mobile banking or the like. Such item-level filtering provides the customer with the detail necessary to ascertain the discretionary spend versus non-discretionary spend impact of items on an overall customer budget and to make necessary changes in future purchases so as to positively impact the customer's budget constraints.

Abstract translation: 本发明的实施例涉及用于在交易项目级别自动确定自由决定和非自由支出的装置，方法和计算机程序产品，并且在个人财务管理应用中提供相关的项目级过滤，诸如网上银行 ，移动银行等。 这样的项目级过滤为客户提供必要的细节，以确定项目对于整体客户预算的自主支出与非自由支出影响，并对未来购买进行必要的更改，从而对客户的预算约束产生积极的影响。

公开(公告)号：US20150032642A1

公开(公告)日：2015-01-29

申请号：US13952029

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 ,  Susan S. Thomas

IPC: G06Q10/00

CPC classification number: G06Q10/20 ,  G06Q20/0453

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to verify ownership information and maintenance/service information of a product. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine ownership information and maintenance/service information of the product from the electronic communication; and generate a profile for the product based on the ownership information and maintenance and service information.

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，用于在商家和客户之间利用电子收据数据和其他电子通信数据进行交易以验证产品的所有权信息和维护/服务信息。 在一个实施例中，系统被配置为：识别和检索商家和与交易相关联的客户之间的电子通信; 从电子通信中确定产品的所有权信息和维护/服务信息; 并基于所有权信息和维护和服务信息生成产品的配置文件。

公开(公告)号：US20150032616A1

公开(公告)日：2015-01-29

申请号：US13952210

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: G06Q40/02

CPC classification number: G06Q40/02

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in online banking to create a personal finance management system. The personal finance management system providing a customer with a granular categorization of spending based on item level spend, wherein the finance management incorporates customer transactions completed with any payment means a customer may use (including cash transactions). The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into a customer's online banking. Utilizing the electronic communications and online banking data the invention builds a personal finance management interface that is based on the transaction level data from the e-receipts and the customer's online banking.

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，用于在商家和客户之间利用电子收据数据和其他电子通信数据进行交易以增加网上银行中的数据以创建个人财务管理系统。 个人财务管理系统为客户提供了基于项目级支出的支出细粒度分类，其中财务管理将客户交易完成，客户可以使用客户可能使用的任何付款方式（包括现金交易）完成。 本发明识别和检索商家与与交易相关联的顾客（例如电子收据）之间的电子通信。 随后，本发明将电子收据数据整合到客户的在线银行业务中。 利用电子通信和网上银行数据，本发明构建了基于电子收据和客户网上银行业务级数据的个人理财管理界面。

公开(公告)号：US20150032615A1

公开(公告)日：2015-01-29

申请号：US13952204

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: G06Q20/10

CPC classification number: G06Q20/108 ,  G06Q40/02

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in a customer's online banking application. As such, present a customer with viewable purchase transaction data alongside online banking data, which allows a customer to view all customer transactions irrespective of payment means within a single online banking application. The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into the customer's online banking application for a holistic customer transaction view.

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，用于在商家和客户之间利用电子收据数据和其他电子通信数据，以便在客户的在线银行应用中增加数据。 因此，向客户提供可见购买交易数据以及网上银行数据，这允许客户在单个网上银行应用程序中查看所有客户交易，而不管支付方式如何。 本发明识别和检索商家与与交易相关联的顾客（例如电子收据）之间的电子通信。 随后，本发明将电子收据数据整合到客户的网上银行应用中，以实现整体的客户交易视图。

公开(公告)号：US20150032523A1

公开(公告)日：2015-01-29

申请号：US13953264

申请日：2013-07-29

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q20/22 ,  G06Q30/02

CPC classification number: G06Q20/227 ,  G06Q30/0222

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for credit source recommendation based on product level data analysis. In some embodiments, an apparatus is configured to receive an information from a structured database associated with a customer's financial institution account, wherein the information includes a previous product purchase; categorize the customer based on the information received; and provide a recommendation to the customer based on categorization of the customer, wherein the recommendation is a type of financial institution bank card.

Abstract translation: 本发明的实施例涉及基于产品级数据分析的用于信用来源推荐的装置，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信息，其中所述信息包括先前的产品购买; 根据收到的信息对客户进行分类; 并根据客户的分类向客户提出建议，其中推荐是一种金融机构银行卡。