中科微点-全球专利检索

  1. Login
  2. Sign Up

Search Results

22 records (took 0.022 seconds)

    INTELLIGENCE ASSESSMENT AND ACTION TRIGGERING AND ALERTING SYSTEM
    12.
    发明申请
    INTELLIGENCE ASSESSMENT AND ACTION TRIGGERING AND ALERTING SYSTEM 审中-公开

    公开(公告)号：US20170193604A1

    公开(公告)日：2017-07-06

    申请号：US14987145

    申请日：2016-01-04

    Applicant: Bank of America Corporation

    Inventor： Joseph Neil Johansen ,  Christopher Shawn Vale ,  Alexander C. Wittkowski ,  Anthony David Guido ,  Robert Scott Seidman ,  Michael Ma

    IPC: G06Q40/06 ,  G06F17/30

    CPC classification number: G06Q40/06

    Abstract: Embodiments of the invention provide for systems, computer program products, and methods for a financial wellness application that provides an overview of the financial well-being of users. The financial wellness of the users may be determined by identifying personal characteristics of the users regarding background information about the users and the users' households. Based on a user's personal characteristics, financial wellness questions are determined from a plurality of financial wellness questions to present to the user for which the user provides financial wellness input. The financial wellness input is transformed into a financial situation assessment, day-to-day management assessment, and preparation for the future assessment, which are transformed into an overall wellness score. Moreover, the financial wellness input may also be compared against financial wellness thresholds. As such, when the user's financial wellness input fails to meet the threshold values it may trigger the display of actionable advice for the user.

    SYSTEM FOR OPENING AND CONSOLIDATING ACCOUNTS BASED ON AN EVENT ASSOCIATED WITH THE ACCOUNT HOLDER
    14.
    发明申请
    SYSTEM FOR OPENING AND CONSOLIDATING ACCOUNTS BASED ON AN EVENT ASSOCIATED WITH THE ACCOUNT HOLDER 审中-公开
    根据与账户持有人相关的事件开立和整理账户的系统

    公开(公告)号：US20170076271A1

    公开(公告)日：2017-03-16

    申请号：US14851769

    申请日：2015-09-11

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Alicia C. Jones-McFadden ,  Cameron Darnell Wadley ,  Katherine Dintenfass ,  Angela Fritz Thompson ,  Damon C. Missouri ,  Alexander C. Wittkowski

    IPC: G06Q20/22 ,  G06F17/30

    CPC classification number: G06Q20/227 ,  G06Q20/405

    Abstract: Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.

    Abstract translation: 本文描述了系统，计算机程序产品和方法，用于分析用户的财务帐户，提供建议的财务动作，并且基于用户的生活事件转换用户的财务账户或交易来自动采取财务动作。 通常，生活事件可能是婚姻或离婚。 生活事件的发生可以由用户进行的交易，用户做出的社交网络发布，用户输入的应用等进行确定。 确定生命事件发生后，分析与生活事件相关联的用户的财务状况，并确定财务行为。 向用户提供财务分析和一个或多个拟议财务举措。 用户选择要执行的一个或多个财务动作，并且自动启动所提出的财务动作。

    STATEMENT COLLECTION, CONSOLIDATION, AND FACILITATION
    15.
    发明申请
    STATEMENT COLLECTION, CONSOLIDATION, AND FACILITATION 审中-公开
    声明收集，合并和便利

    公开(公告)号：US20140129432A1

    公开(公告)日：2014-05-08

    申请号：US13667437

    申请日：2012-11-02

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Carrie Anne Hanson ,  Leland E. Modesitt ,  Katherine Dintenfass ,  Alexander C. Wittkowski ,  Laura Corinne Bondesen ,  Marc Lance Warshawsky ,  Jon R. Wolf ,  Scott R. Enscoe ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

    IPC: G06Q20/14

    CPC classification number: G06Q10/06311 ,  G06Q20/14 ,  G06Q30/04 ,  G06Q40/02

    Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing vendor statement management for a user, including the receiving, monitoring, and paying of statements with no or minimal user required interaction. As such, the invention provides a facilitated access to accurate statement information from all of the vendors or service providers consolidated into one reliable source. Embodiments of the present invention provide a system for statement management. Specifically, embodiments of the invention allow for determining vendor statements associated with a user, consolidating the found vendor statements, monitoring those statements, notifying user if vendor statement need attention or payment, and providing payment from a payment account for the vendor statement.

    Abstract translation: 本发明的实施例包括用于为用户提供供应商声明管理的系统，方法和计算机程序产品，包括接收，监视和支付没有或最少用户需要的交互的语句。 因此，本发明提供了一种便于访问来自所有供应商或服务提供商的精确语句信息，这些信息合并成一个可靠的来源。 本发明的实施例提供了一种用于语句管理的系统。 具体地，本发明的实施例允许确定与用户相关联的供应商语句，合并所找到的供应商语句，监视那些语句，通知用户供应商声明是否需要注意或支付，以及从供应商声明的支付帐户提供支付。

    SYSTEM FOR ANALYZING RESOURCE CAPACITY BASED ON ASSOCIATED DEPENDENCIES
    17.
    发明申请
    SYSTEM FOR ANALYZING RESOURCE CAPACITY BASED ON ASSOCIATED DEPENDENCIES 审中-公开

    公开(公告)号：US20170153919A1

    公开(公告)日：2017-06-01

    申请号：US14954599

    申请日：2015-11-30

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Alicia C. Jones-McFadden ,  Katherine Dintenfass ,  Alexander C. Wittkowski ,  Damon C. Missouri ,  Cameron Darnell Wadley

    IPC: G06F9/50 ,  G06F9/48

    CPC classification number: G06Q10/0631 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q40/08

    Abstract: Systems, computer program products, and methods are described herein for analyzing resource capacity based on associated dependencies. The present invention is configured to determine a resource capacity associated with an entity; determine one or more dependencies associated with the entity, wherein the one or more dependencies are associated with a resource value; receive a user input, wherein the user input comprises a dynamic allocation of the one or more dependencies to the entity; determine an aggregated resource value based on at least receiving the user input, wherein the aggregated resource value comprises an aggregate of the resource values associated with the one or more dependencies dynamically allocated to the entity; and initiate a presentation of a dynamic display, wherein the dynamic display comprises an indication of the resource capacity associated with the entity and an aggregated resource value associated with the one or more dependencies dynamically allocated to the entity.

    SYSTEM FOR SIMULATION AND IMPLEMENTATION OF DYNAMIC STATE-DEPENDENT RESOURCE RECONFIGURATION
    18.
    发明申请
    SYSTEM FOR SIMULATION AND IMPLEMENTATION OF DYNAMIC STATE-DEPENDENT RESOURCE RECONFIGURATION 有权
    动态依赖资源重组的模拟与实现系统

    公开(公告)号：US20170076364A1

    公开(公告)日：2017-03-16

    申请号：US14851623

    申请日：2015-09-11

    Applicant: Bank of America Corporation

    Inventor： Katherine Dintenfass ,  Damon C. Missouri ,  Cameron Darnell Wadley ,  Alexander C. Wittkowski ,  Alicia C. Jones-McFadden ,  Angela Fritz Thompson

    IPC: G06Q40/00

    CPC classification number: G06Q40/00

    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a dynamic state-dependent resource reconfiguration, such as the reconfiguration of resources and assets that may occur with a relationship between a first user and a second user is terminated. Example embodiments include incorporating into the resource reconfiguration aspects of prior user agreements and simulating the expected outcome of the dynamic state-dependent resource reconfiguration.

    Abstract translation: 本发明的实施例涉及用于实现动态状态相关资源重新配置的系统，方法和计算机程序产品，例如重新配置可能由第一用户和第二用户之间的关系发生的资源和资产。 示例性实施例包括将先前用户协议的资源重新配置方面并入并且模拟动态依赖于状态的资源重配置的预期结果。

    Apparatus and method for managing electronic transactions
    19.
    发明授权
    Apparatus and method for managing electronic transactions 有权
    用于管理电子交易的装置和方法

    公开(公告)号：US08868048B2

    公开(公告)日：2014-10-21

    申请号：US13652611

    申请日：2012-10-16

    Applicant: Bank of America Corporation

    Inventor： Carrie A. Hanson ,  Laura C. Bondesen ,  Nicole Chen ,  Katherine Dintenfass ,  Scott R. Enscoe ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

    IPC: H04M3/42

    CPC classification number: G06Q40/02

    Abstract: In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a plurality of transactions and present, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review. The processor is further operable to present, in a third region of the display, a second option and present, in a fourth region of the display, a notification indicating a second transaction of the plurality of transactions. Additionally, the processor is operable to detect a touch on the display indicating the selection of the second transaction and present, in the first region of the display, information associated with the second.

    Abstract translation: 在一些实施例中，装置包括存储器和处理器。 处理器可操作以在显示器的第一区域中呈现与多个事务的第一事务相关联的信息，并且在显示器的第二区域中呈现第一选项，第一选项指示当被选择时， 用户已经标记了第一笔交易以供进一步审查。 处理器还可操作以在显示器的第三区域中呈现第二选项，并且在显示器的第四区域中呈现指示多个交易的第二交易的通知。 另外，处理器可操作以检测显示器上的触摸，指示第二事务的选择，并且在显示器的第一区域中显示与第二事务相关联的信息。

Patent Agency Ranking