公开(公告)号：US20150032522A1

公开(公告)日：2015-01-29

申请号：US13953399

申请日：2013-07-29

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: G06Q30/0226 ,  G06Q30/0215

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for using e-receipts for micro loyalty targeting. 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 of an item, wherein the item includes an item category; increment a counter associated with the item category; determine, in response to incrementing the counter associated with the item category, if the counter equals or exceeds a predetermined threshold value; and transmit, in response to determining the counter equals or exceeds a predetermined threshold value, a message to a second apparatus.

Abstract translation: 本发明的实施例涉及用于使用电子收据进行微型忠诚度定向的装置，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的模块，并且被配置为：接收与购买项目相关联的信息，其中所述项目包括项目类别; 增加与项目类别相关联的计数器; 确定响应于增加与项目类别相关联的计数器，如果计数器等于或超过预定阈值; 并且响应于确定所述计数器等于或超过预定阈值，向第二装置发送消息。

公开(公告)号：US20150026056A1

公开(公告)日：2015-01-22

申请号：US13946570

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 ,  G06Q20/40

CPC classification number: G06Q20/3223

Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) receive input relating to user-designated trusted locations for completing a mobile banking transaction, (b) receive input from the user relating to a transaction request, (c) determine whether the mobile device is located at a trusted locations, and (d) complete the transaction request; or store the transaction request in a queue for mobile banking transactions on the mobile device.

Abstract translation: 本发明的实施例涉及用于在可信位置完成移动银行交易的系统，计算机实现的方法和计算机程序产品。 在一些实施例中，系统被配置为：（a）接收与用户指定的可信位置相关的输入以完成移动银行交易，（b）从用户接收与交易请求有关的输入，（c）确定移动 设备位于可信位置，（d）完成交易请求; 或将交易请求存储在用于移动设备上的移动银行交易的队列中。

公开(公告)号：US20150026025A1

公开(公告)日：2015-01-22

申请号：US13946183

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

IPC: G06Q40/02

CPC classification number: G06Q40/02

Abstract: Disclosed is a system and associated method of using a customer's mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer's online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer's online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer's online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer's online banking account and (ii) the mobile device is bound to the computing device.

Abstract translation: 公开了将客户的移动设备用作另一客户设备的网上银行远程控制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。 模块通常被配置为（i）将移动设备与客户的在线银行帐户相关联，以及（ii）将移动设备绑定到另一计算设备。 此外，模块通常被配置为随后从移动设备接收与客户的在线银行帐户相关联并与计算设备相关联的远程访问命令。 然后可以基于远程访问命令来修改计算设备对客户的在线银行帐户的远程访问，并确定（i）移动设备与客户的在线银行帐户相关联，以及（ii）移动设备必须 计算设备。

公开(公告)号：US20140279485A1

公开(公告)日：2014-09-18

申请号：US13840947

申请日：2013-03-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Matthew Brian Perkins

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q10/10

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an interactive conversation box to a customer of a financial institution. Embodiments initiate presentation, to the customer of the financial institution, of an interface comprising a graphical interactive conversation box; initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of a graphical element representing a transaction; receive customer selection of the graphical element for inclusion in the conversation box; and initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of the graphical element or a representation of the graphical element superimposed over the conversation box or presented as part of the conversation box. In some embodiments, the presentation of the conversation box, once initiated, is persistent during presentation of an online banking session.

Abstract translation: 本发明的实施例涉及用于向金融机构的客户提供交互式对话框的系统，方法和计算机程序产品。 实施例开始向金融机构的客户呈现包括图形交互式对话框的界面; 同时呈现谈话框和金融机构的客户，表示交易的图形元素; 接收客户选择图形元素以包含在会话框中; 并且同时呈现对话框和金融机构的客户，图形元素或叠加在会话框上的图形元素的表示或作为会话框的一部分呈现。 在一些实施例中，一旦启动，会话框的呈现在呈现网络银行会话期间是持久的。

公开(公告)号：US20140279471A1

公开(公告)日：2014-09-18

申请号：US13827665

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Tony England ,  Scott Lee Harkey ,  Matthew A. Calman

IPC: G06Q20/34

CPC classification number: G06Q20/3572 ,  G06Q20/405

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule.

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，用于向客户提供与客户的可用支付车辆相关联的单个交易卡。 因此，单个交易卡可以被客户用来完成与商家的交易。 随后，根据客户规则或客户选择，本发明可以将交易引导到所选择的支付车辆。 规则包括客户可以输入的任何偏好，允许本发明自动将单个交易卡交易应用于支付车辆。 因此，可以针对特定商家触发规则，特定交易金额，特定位置等。 如果通过使用单个交易卡进行的交易触发了规则，则触发的交易将被自动应用于与该规则相关的支付工具。

公开(公告)号：US20140279453A1

公开(公告)日：2014-09-18

申请号：US13836379

申请日：2013-03-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： William Blake Belchee ,  Aditya Bhasin ,  Laura C. Bondesen ,  Matthew A. Calman ,  David Godsman ,  Cherie Rexroth

IPC: G06Q20/10 ,  G06Q20/02 ,  G06Q20/32

CPC classification number: G06Q20/3276 ,  G06K9/18 ,  G06K9/4604 ,  G06Q20/023 ,  G06Q20/0425 ,  G06Q20/102 ,  G06Q20/32

Abstract: Aspects herein describe at least a new method, system, and computer readable storage media for facilitating bill payment by way of using an image of a check. A computing system may transmit a bill payment request to a wireless computing device associated with an account holder of a bill payment account. The computing system may determine whether an account holder of the bill payment account holds a funding account held at the first organization, and as a result, may transmit a request to the wireless computing device for an image of a check associated with a second organization when the account holder of the bill payment account does not hold a funding account at the first organization. Bill payment may be made by way of an ACH transaction using a routing number and an account number obtained from the image of the check.

Abstract translation: 本文中的方面至少描述了通过使用支票的图像来促进票据支付的新方法，系统和计算机可读存储介质。 计算系统可以向与账单支付账户的账户持有者相关联的无线计算设备发送账单支付请求。 计算系统可以确定帐单支付帐户的账户持有者是否持有在第一组织中持有的资金账户，并且因此可以向无线计算设备发送与第二组织相关联的支票的图像的请求， 帐单支付账户的账户持有人不在第一个组织持有资金账户。 帐单支付可以通过ACH交易使用路由号码和从支票的图像获得的帐号进行。

公开(公告)号：US20140278897A1

公开(公告)日：2014-09-18

申请号：US13803720

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

IPC: G06Q30/02

CPC classification number: G06Q30/0233

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction on a product-by-product basis based on available rewards for each product. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. The invention may then apply individual products of the transaction to different recommended payment vehicles based on the maximum rewards each product may receive if applied to that payment vehicle. Once each product of the transaction has been reassigned to a recommended payment vehicle, 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，用于基于每个产品的可用奖励，逐个产品推荐用于交易的支付车辆。 以这种方式，客户可以使用临时信用额度与商家完成交易。 然后，本发明可以基于每个产品如果应用于该支付车辆可以接收的最大奖励，将交易的各个产品应用于不同的推荐支付车辆。 一旦交易的每个产品被重新分配到推荐的付款工具，临时信用额度可能会被终止。

公开(公告)号：US20140258107A1

公开(公告)日：2014-09-11

申请号：US13791467

申请日：2013-03-08

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman

IPC: G06Q20/34

CPC classification number: G06Q20/0453 ,  G06Q20/0655 ,  G06Q20/327

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for generating a personal bank note using readable indicia for providing payment information to a merchant during a transaction with a user. Embodiments initiate generating the readable indicia on a portable hard copy, the readable indicia encoding the payment information for presentation to the merchant such that the merchant may read the readable indicia, determine the payment information stored in the readable indicia and complete the transaction using the determined payment information. Some embodiments initiate presenting a user interface for interacting with the user regarding the personal bank note; and receive, from an account owner using the user interface, and store the payment information in the memory device. Some such embodiments receive, from an account owner using the user interface, user input requesting generation of the readable indicia.

Abstract translation: 本发明的实施例涉及用于使用可读标记生成个人银行票据的系统，方法和计算机程序产品，用于在与用户的交易期间向商家提供支付信息。 实施例开始在便携式硬拷贝上生成可读标记，可读标记编码支付信息以呈现给商家，使得商家可以读取可读标记，确定存储在可读标记中的支付信息，并使用确定的 支付信息。 一些实施例开始呈现用户与用户就个人银行券进行交互的用户界面; 并使用用户界面从帐户所有者接收，并将支付信息存储在存储装置中。 一些这样的实施例从帐户拥有者使用用户界面接收请求生成可读标记的用户输入。

公开(公告)号：US20140257898A1

公开(公告)日：2014-09-11

申请号：US13791456

申请日：2013-03-08

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q10/06

CPC classification number: G06Q10/063114

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing special resource availability information to a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine special resource availability information associated with the financial institution physical location; and provide the determined special resource availability information to the customer. In some embodiments, the special resource availability information comprises information corresponding to an availability of at least one financial specialist based at the financial institution physical location. Some such embodiments, if the customer is travelling to the location, determine whether the at least one financial specialist will be present when the customer arrives at the location; and, if the customer is currently located in proximity to the location, determine whether the at least one financial specialist is present at the financial institution physical location.

Abstract translation: 本发明的实施例涉及用于向客户提供特殊资源可用性信息的系统，方法和计算机程序产品。 实施例确定客户正在旅行到或者当前位于金融机构物理位置附近; 确定与金融机构物理位置相关的特殊资源可用性信息; 并向客户提供确定的特殊资源可用性信息。 在一些实施例中，特殊资源可用性信息包括对应于基于金融机构物理位置的至少一个金融专员的可用性的信息。 一些这样的实施例，如果客户正在旅行到该位置，则确定当客户到达该位置时该至少一个金融专家将存在; 并且如果客户当前位于该位置附近，则确定至少一个金融专员是否存在于金融机构物理位置。

公开(公告)号：US20140164223A1

公开(公告)日：2014-06-12

申请号：US13712515

申请日：2012-12-12

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q20/08

CPC classification number: G06Q20/08 ,  G06Q20/425 ,  G06Q30/06

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration based on patterns or trends in a customer's transaction history. Once a trend is identified, such as a customer makes weekly deposits at a banking center, recommendations for alternative financial channels are determined which are optimal to the financial institution, the customer or both. Optimization is defined in terms of the customer by the recommended transaction channels being more efficient/less time-consuming and in terms of the financial institution the recommended transaction channels being more cost efficient. Once the recommended transactions channels are determined, an alert is communicated to the customer in the form of email, text message, online/mobile banking posting or the like.

Abstract translation: 本发明的实施例涉及基于客户交易历史中的模式或趋势来针对金融机构渠道迁移的系统，方法和计算机程序产品。 一旦确定了趋势，例如客户在银行中心每周存款，则确定替代金融渠道的建议，这对金融机构，客户或两者都是最佳的。 优化是根据客户的定义，建议的交易渠道更有效率/更耗时，而在金融机构方面，推荐的交易渠道更具成本效益。 一旦建议的交易渠道被确定，将以电子邮件，短信，在线/手机银行发布等形式向客户传达警报。