公开(公告)号：US20160042387A1

公开(公告)日：2016-02-11

申请号：US14471371

申请日：2014-08-28

Applicant: BANK OF AMERICA CORPORATION

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

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. 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 products, services, or merchant transactions that were associated with advertisements viewed by the customer. The invention identifies a time frame between the advertisement impression and the transaction and generates data associated with the successfulness of advertising and marketing campaigns.

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，以确定与顾客观看的广告相关联的产品，服务或商家交易。 本发明识别广告印象和交易之间的时间间隔，并产生与广告和营销活动成功相关的数据。

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：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。