公开(公告)号：US20160234322A1

公开(公告)日：2016-08-11

申请号：US14616477

申请日：2015-02-06

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Frederick A. Shahda ,  Robert L. Abbott ,  Alfred Hamilton

IPC: H04L29/08

CPC classification number: H04L67/22 ,  G06Q30/0201 ,  G06Q30/0251 ,  H04L63/0421 ,  H04L67/02 ,  H04L67/20

Abstract: Anonymously providing purchasing analytics associated with customer to a website while the customer is accessing the website. Specifically, a financial institution, having access to a customer's transactional data, can analyze the data to determine analytical purchasing data. Once the customer authenticates themselves at a financial institution website, a networked application or the like, an anonymous cookie that is configured to identify the analytical purchasing data is generated and stored in the web browser cache. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved from the web browser cache and the analytical purchasing data is provided to the website. In specific embodiments of the invention, the website uses the analytical purchasing data of the customer to determine which of the plurality of advertisements are to be displayed to the customer while they visit the website.

Abstract translation: 在客户访问网站时，匿名提供与客户相关的购买分析到网站。 具体来说，金融机构能够访问客户的交易数据，可以分析数据以确定分析采购数据。 一旦客户在金融机构网站，网络应用程序等身份验证身份，就会生成配置为识别分析采购数据的匿名cookie，并将其存储在Web浏览器缓存中。 响应于使用该设备访问显示广告的网站的客户，从网络浏览器缓存检索匿名cookie，并将分析购买数据提供给网站。 在本发明的具体实施例中，网站使用客户的分析采购数据来确定在客户访问该网站时要向客户显示哪些广告。

公开(公告)号：US20160232590A1

公开(公告)日：2016-08-11

申请号：US14616485

申请日：2015-02-06

Applicant: BANK OF AMERICA CORPORATION

Inventor： Robert L. Abbott ,  Jason P. Blackhurst ,  Frederick A. Shahda ,  Alfred Hamilton

IPC: G06Q30/06 ,  G06Q30/02 ,  H04L29/06 ,  G06F17/30 ,  G06F21/62 ,  H04L29/08 ,  G06Q40/00

CPC classification number: G06Q30/0615 ,  G06F21/6254 ,  G06F21/6263 ,  G06Q30/0269 ,  G06Q40/12 ,  H04L63/08 ,  H04L63/0807 ,  H04L67/02 ,  H04L67/20 ,  H04L67/22

Abstract: Targeted electronic advertisements are delivered to a website user/customer by implementing anonymous cookies that serve to identify a customer's overall spending trends and/or preferences. In response to a financial institution customer authenticating themselves at a financial institution website or the like, an anonymous cookie is generated and stored in the customer's web browser cache that includes a unique identifier associated with the customer and the spending trends data associated with the customer's spending trends. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved, the unique code prompts a call-back to the financial institution for retrieval and communication of the spending trend data and the data is used to determine which of the plurality of advertisements are to be to displayed to the customer while they visit the website.

Abstract translation: 有针对性的电子广告通过实施用于识别客户整体支出趋势和/或偏好的匿名Cookie来传送给网站用户/客户。 为了响应金融机构客户在金融机构网站等身份进行身份验证，生成匿名cookie并将其存储在客户的Web浏览器缓存中，该缓存包括与客户相关联的唯一标识符以及与客户支出相关联的支出趋势数据 趋势。 响应于使用该设备访问显示广告的网站的客户，检索匿名cookie，唯一代码提示回拨金融机构以检索和通信支出趋势数据，并且使用该数据来确定 在访问该网站时，要向客户显示多个广告中的哪一个。

公开(公告)号：US20160140601A1

公开(公告)日：2016-05-19

申请号：US14542020

申请日：2014-11-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Frederick A. Shahda ,  Robert L. Abbott ,  Alfred Hamilton

IPC: G06Q30/02

CPC classification number: G06Q30/0244

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing advertisements to recommenders for network diffusion to a cluster or group of individuals associated with the recommender. In this way, advertisement effectiveness may be identified by presented to a single customer or recommender, and that recommender diffusion the advertisement data across his/her cluster of friends. In this way, the invention provides a means of delivering advertisements to appropriate recommenders for diffusion throughout a group of individuals. A network and recommender may be identified based on diffusion using transaction history, coincident mapping, and/or social network information. In this way, it is appreciated that there may be a greater advertisement value to present the advertisement to the recommender then allowing the advertisement to diffuse through the cluster.

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，用于向与推荐器相关联的群集或一组个体提供网络扩散的推荐者的广告。 以这种方式，可以通过呈现给单个客户或推荐者来识别广告效果，并且该推荐者将广告数据扩散到他/她的朋友群集中。 以这种方式，本发明提供了一种将广告递送到适当的推荐者以在一组个体内进行扩散的方法。 可以基于使用交易历史，重合映射和/或社交网络信息的扩散来识别网络和推荐者。 以这种方式，应当理解，可能会有更大的广告价值来向推荐者呈现广告，然后允许广告扩散通过该集群。

公开(公告)号：US10019709B2

公开(公告)日：2018-07-10

申请号：US14746371

申请日：2015-06-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Robert L. Abbott ,  Frederick A. Shahda ,  Alfred Hamilton ,  Jason P. Blackhurst

IPC: G06Q40/00 ,  G06Q20/38 ,  H04L29/06

CPC classification number: H04L63/0428 ,  G06Q2220/00 ,  H04L63/0421 ,  H04L2463/102

Abstract: Embodiments of the invention include systems, methods, and computer-program products for anonymizing a user utilizing oblivious transfer. In this way, the invention establishes a common index to identify members of a population sample, anonymizes the identities of sample members to each party, and exchanges statistics and characteristics of the sample population. The invention creates a common searchable index and anonymizes the sample members of the database via encryption of identification of individual customers in each sample. Each encryption provides for a strong encryption with a key and a homomorphic encryption. The homomorphic encryption allows for multiplication and/or addition on ciphertexts that, once decrypted, match the result that would have occurred had the operations been carried out on the plaintext. In some embodiments, the encryption may be either partially- or fully-homomorphic cryptosystems.

公开(公告)号：US09954962B2

公开(公告)日：2018-04-24

申请号：US14616477

申请日：2015-02-06

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Frederick A. Shahda ,  Robert L. Abbott ,  Alfred Hamilton

IPC: G06F15/173 ,  H04L29/08 ,  G06Q30/02 ,  H04L29/06

CPC classification number: H04L67/22 ,  G06Q30/0201 ,  G06Q30/0251 ,  H04L63/0421 ,  H04L67/02 ,  H04L67/20

Abstract: Anonymously providing purchasing analytics associated with customer to a website while the customer is accessing the website. Specifically, a financial institution, having access to a customer's transactional data, can analyze the data to determine analytical purchasing data. Once the customer authenticates themselves at a financial institution website, a networked application or the like, an anonymous cookie that is configured to identify the analytical purchasing data is generated and stored in the web browser cache. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved from the web browser cache and the analytical purchasing data is provided to the website. In specific embodiments of the invention, the website uses the analytical purchasing data of the customer to determine which of the plurality of advertisements are to be displayed to the customer while they visit the website.

公开(公告)号：US09519923B2

公开(公告)日：2016-12-13

申请号：US15045182

申请日：2016-02-16

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/06 ,  G06Q30/02 ,  G06T19/00 ,  G09G5/00 ,  G06Q50/00 ,  H04L29/06

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。

公开(公告)号：US20160232564A1

公开(公告)日：2016-08-11

申请号：US14616492

申请日：2015-02-06

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Robert L. Abbott ,  Frederick A. Shahda ,  Alfred Hamilton

IPC: G06Q30/02

CPC classification number: G06Q30/0255

Abstract: Targeted electronic advertisements are delivered to a website user/customer by implementing anonymous cookies that serve to identify a customer's overall spending trends and/or preferences. In response to a financial institution customer authenticating themselves at a financial institution website or the like, an anonymous cookie is generated and stored in the customer's web browser cache that includes a unique identifier associated with the customer and the spending trends data associated with the customer's spending trends. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved, the unique code prompts a call-back to the financial institution for retrieval and communication of the spending trend data and the data is used to determine which of the plurality of advertisements are to be to displayed to the customer while they visit the website.

Abstract translation: 有针对性的电子广告通过实施用于识别客户整体支出趋势和/或偏好的匿名Cookie来传送给网站用户/客户。 为了响应金融机构客户在金融机构网站等身份进行身份验证，生成匿名cookie并将其存储在客户的Web浏览器缓存中，该缓存包括与客户相关联的唯一标识符以及与客户支出相关联的支出趋势数据 趋势。 响应于使用该设备访问显示广告的网站的客户，检索匿名cookie，唯一代码提示回拨金融机构以检索和通信支出趋势数据，并且使用该数据来确定 在访问该网站时，要向客户显示多个广告中的哪一个。

公开(公告)号：US20160140604A1

公开(公告)日：2016-05-19

申请号：US14541789

申请日：2014-11-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Frederick A. Shahda ,  Robert L. Abbott ,  Alfred Hamilton

IPC: G06Q30/02

CPC classification number: G06Q30/0246

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for advertisement presentment based on customer transactions at a brick and mortar merchant location. The invention compiles transaction data across a financial institution for transactions with a merchant. The system generalizes the transaction data across the financial institution based on category of product or merchant associated with the transaction. Subsequently, the generalized data may be presented to an advertiser for correlating recent brick and mortar purchases of a customer to advertisements to present to a customer online or offline in the future. Furthermore, the transaction data may include data identifying the specific products purchased by the customer. In this way, the specific product data may match to advertisements previously viewed or presented to a customer.

Abstract translation: 本发明的实施例涉及一种基于在实体商店位置处的客户交易的用于广告呈现的系统，方法或计算机程序产品。 本发明通过金融机构编制交易数据以与商家进行交易。 该系统基于与交易相关联的产品或商家的类别来推广金融机构的交易数据。 随后，可将广义数据呈现给广告商，以将客户的最近的实体购买与将来在线或离线的广告呈现给广告客户。 此外，交易数据可以包括识别客户购买的特定产品的数据。 以这种方式，特定的产品数据可以匹配先前观看或呈现给顾客的广告。

公开(公告)号：US20160042385A1

公开(公告)日：2016-02-11

申请号：US14541862

申请日：2014-11-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Frederick A. Shahda ,  Robert L. Abbott ,  Alfred Hamilton

IPC: G06Q30/02

CPC classification number: G06Q30/0242 ,  G06Q30/0246

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing feedback and validation of advertising and marketing campaigns and the influence of those advertisements relative to time of the advertisement and payment type demographics. The invention receives advertisement impressions by customers, thus detecting advertisements that the customer has viewed. Furthermore, the invention retrieves transactional data associated with transactions made by the customer. The invention then correlates or matches the advertisement impressions and transactional data to determine if products, services, or merchant transactions that were associated with advertisements viewed by the customer. Furthermore, the invention identifies a payment type used for the transaction. The invention also correlates specific times/dates of advertisements to the transaction. In this way, the invention may provide an advertiser with payment type demographic data and a valuation or influence of advertisements relative to presentation time and location of the advertisements.

Abstract translation: 本发明的实施例涉及用于提供广告和营销活动的反馈和验证以及这些广告相对于广告和支付类型人口统计时间的影响的系统，方法或计算机程序产品。 本发明接收客户的广告印象，从而检测客户所观看的广告。 此外，本发明检索与由客户进行的交易相关联的事务数据。 然后，本发明将广告印象和事务数据相关联或匹配，以确定与客户观看的广告相关联的产品，服务或商家交易。 此外，本发明识别用于交易的支付类型。 本发明还将广告的具体时间/日期与交易相关联。 以这种方式，本发明可以向广告商提供相对于广告的呈现时间和位置的支付类型人口统计数据和广告的估价或影响。

公开(公告)号：US20160371684A1

公开(公告)日：2016-12-22

申请号：US14746371

申请日：2015-06-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Robert L. Abbott ,  Frederick A. Shahda ,  Alfred Hamilton ,  Jason P. Blackhurst

IPC: G06Q20/38 ,  H04L29/06

CPC classification number: H04L63/0428 ,  G06Q2220/00 ,  H04L63/0421 ,  H04L2463/102

Abstract: Embodiments of the invention include systems, methods, and computer-program products for anonymizing a user utilizing oblivious transfer. In this way, the invention establishes a common index to identify members of a population sample, anonymizes the identities of sample members to each party, and exchanges statistics and characteristics of the sample population. The invention creates a common searchable index and anonymizes the sample members of the database via encryption of identification of individual customers in each sample. Each encryption provides for a strong encryption with a key and a homomorphic encryption. The homomorphic encryption allows for multiplication and/or addition on ciphertexts that, once decrypted, match the result that would have occurred had the operations been carried out on the plaintext. In some embodiments, the encryption may be either partially- or fully-homomorphic cryptosystems.

Abstract translation: 本发明的实施例包括用于使用遗忘转移来匿名用户的系统，方法和计算机程序产品。 以这种方式，本发明建立了一个共同的指标，用于识别人口样本的成员，将样本成员的身份匿名给每一方，并交换样本人群的统计和特征。 本发明创建一个共同的可搜索索引，并通过加密每个样本中个别客户的识别来匿名数据库的样本成员。 每个加密都提供强大的密钥加密和同态加密。 同形加密允许在密文中进行乘法和/或加法，一旦解密，匹配在明文执行操作后将会发生的结果。 在一些实施例中，加密可以是部分或完全同态密码系统。