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公开(公告)号：US20150032546A1
公开(公告)日：2015-01-29
申请号：US13952023
申请日：2013-07-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Jason P. Blackhurst , Katherine Dintenfass , Laura C. Bondesen , Carrie A. Hanson
IPC: G06Q30/02
CPC classification number: G06Q30/0251 , G06Q30/0264
Abstract: Embodiments of the invention relate to systems, methods, and computer program products for determining and providing an offer to a customer based at least in part on product level data associated with a transaction. The system, method, and computer program product are configured to receive unstructured data from a customer account, wherein the unstructured data comprises product level data for a transaction; convert the unstructured data into structured data; determine a transaction at a financial institution corresponding to the structured data; determine an offer for a customer based on the product level data and the transaction; and provide the offer to the customer. Typically, product level data related to transactions is not available to financial institution. This disclosure describes a system and method for identifying and using product level data.
Abstract translation: 本发明的实施例涉及用于至少部分地基于与交易相关联的产品级数据来确定并向客户提供报价的系统，方法和计算机程序产品。 系统，方法和计算机程序产品被配置为从客户帐户接收非结构化数据，其中非结构化数据包括用于交易的产品级数据; 将非结构化数据转换为结构化数据; 确定与结构化数据相对应的金融机构的交易; 根据产品级数据和交易确定客户的报价; 并向客户提供报价。 通常，与交易相关的产品级别数据不可用于金融机构。 本公开描述了用于识别和使用产品级数据的系统和方法。
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公开(公告)号：US20150032536A1
公开(公告)日：2015-01-29
申请号：US13952156
申请日：2013-07-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Susan S. Thomas , Laura C. Bondesen , Katherine Dintenfass , Carrie A. Hanson , Matthew A. Calman , Jason P. Blackhurst
IPC: G06Q30/02
CPC classification number: G06Q30/0255
Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for offers based on a user's seasonality and gift giving schedule. 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 information includes a purchase date; increment a counter associated with the purchase date; determine, in response to incrementing the counter associated with the purchase date, 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, wherein the message is based on the purchase date.
Abstract translation: 本发明的实施例涉及用于基于用户的季节性和送礼时间表的提供的装置，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模块，可由处理器执行，并且被配置为：接收与购买项目相关联的信息，其中所述信息包括购买日期; 增加与购买日期相关联的计数器; 响应于增加与购买日期相关联的计数器，确定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，向第二设备发送消息，其中所述消息基于所述购买日期。
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公开(公告)号：US20150032521A1
公开(公告)日：2015-01-29
申请号：US13952448
申请日：2013-07-26
Applicant: Bank of America Corporation
Inventor： Matthew A. Calman , Carrie A. Hanson , Susan S. Thomas , Jason Blackhurst , Katherine Dintenfass , Laura C. Bondesen
CPC classification number: G06Q20/10 , G06Q30/0215
Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for aggregation of savings data from e-receipts. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve an information based on the request from a structured database associated with a customer's financial institution account, wherein the information includes a product purchase associated with the customer's purchase transaction; identify a savings amount associated with the product purchase; and provide the savings amount to the customer.
Abstract translation: 本发明的实施例涉及用于从电子收据汇总储蓄数据的装置，方法和计算机程序产品。 在一些实施例中，设备被配置为从与金融机构帐户相关联的客户接收请求; 根据与客户的金融机构帐户相关联的结构化数据库的请求检索信息，其中所述信息包括与客户的购买交易相关联的产品购买; 确定与产品购买相关的储蓄金额; 并向客户提供储蓄金额。
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公开(公告)号：US20130281017A1
公开(公告)日：2013-10-24
申请号：US13649361
申请日：2012-10-11
Applicant: BANK OF AMERICA CORPORATION
Inventor： Laura C. Bondesen , Alicia C. Jones , David C. McCoy , Shaun J. Abraham
Abstract: Various examples are disclosed of how to leverage technology in a vehicle to provide various services in a convenient manner. For example, the pairing of the portable device with the on-board computer of the vehicle may be utilized as a level of authorization to provide certain services in a more automated and/or convenient way to the vehicle driver or other occupant of the vehicle, such as by authenticating wireless transactions with entities external to the vehicle using device pairing technology, and by modifying vehicle navigation routes to include suggested nearby points of interest that may be determined to be of particular value to a vehicle occupant.
Abstract translation: 公开了如何利用车辆中的技术以便利的方式提供各种服务的各种示例。 例如，可以将便携式设备与车载车载计算机的配对用作授权级别，以更自动化和/或方便的方式向车辆驾驶员或其他乘客提供某些服务， 例如通过使用设备配对技术来认证与车辆外部的实体的无线交易，以及通过修改车辆导航路线以包括可被确定为对车辆乘客具有特别价值的建议的附近兴趣点。
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公开(公告)号：US09600839B2
公开(公告)日：2017-03-21
申请号：US13953218
申请日：2013-07-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Katherine Dintenfass , Jason P. Blackhurst , Carrie A. Hanson , Laura C. Bondesen
CPC classification number: G06Q30/0629
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing price evaluation based on electronic receipt data. An exemplary apparatus is configured to: identify purchase transaction data associated with identified electronic communications between a merchant and a customer, wherein the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format; convert the purchase transaction data from the unstructured format to a structured format; associate the structured purchase transaction data with the customer's online banking application; aggregate purchase transaction data related to a first product purchased by a plurality of customers; determine a best price available for the first product based at least partially on an analyses of the purchase transaction data; and communicate the best price available for the first product to one or more parties.
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Patent Agency Ranking
公开(公告)号：US09215590B2
公开(公告)日：2015-12-15
申请号：US13649361
申请日：2012-10-11
Applicant: Bank of America Corporation
Inventor： Laura C. Bondesen , Alicia C. Jones , David C. McCoy , Shaun J. Abraham
Abstract: Various examples are disclosed of how to leverage technology in a vehicle to provide various services in a convenient manner. For example, the pairing of the portable device with the on-board computer of the vehicle may be utilized as a level of authorization to provide certain services in a more automated and/or convenient way to the vehicle driver or other occupant of the vehicle, such as by authenticating wireless transactions with entities external to the vehicle using device pairing technology, and by modifying vehicle navigation routes to include suggested nearby points of interest that may be determined to be of particular value to a vehicle occupant.
Abstract translation: 公开了如何利用车辆中的技术以便利的方式提供各种服务的各种示例。 例如，可以将便携式设备与车载车载计算机的配对用作授权级别，以更自动化和/或方便的方式向车辆驾驶员或其他乘客提供某些服务， 例如通过使用设备配对技术来认证与车辆外部的实体的无线交易，以及通过修改车辆导航路线以包括可被确定为对车辆乘客具有特别价值的建议的附近兴趣点。
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公开(公告)号：US09131376B2
公开(公告)日：2015-09-08
申请号：US13649376
申请日：2012-10-11
Applicant: Bank of America Corporation
Inventor： Laura C. Bondesen , Alicia C. Jones , David C. McCoy , Shaun J. Abraham
Abstract: Various examples are disclosed of how to leverage technology in a vehicle to provide various services in a convenient manner. For example, the pairing of the portable device with the on-board computer of the vehicle may be utilized as a level of authorization to provide certain services in a more automated and/or convenient way to the vehicle driver or other occupant of the vehicle, such as by authenticating wireless transactions with entities external to the vehicle using device pairing technology, and by modifying vehicle navigation routes to include suggested nearby points of interest that may be determined to be of particular value to a vehicle occupant.
Abstract translation: 公开了如何利用车辆中的技术以便利的方式提供各种服务的各种示例。 例如，可以将便携式设备与车载车载计算机的配对用作授权级别，以更自动化和/或方便的方式向车辆驾驶员或其他乘客提供某些服务， 例如通过使用设备配对技术来认证与车辆外部的实体的无线交易，以及通过修改车辆导航路线以包括可被确定为对车辆乘客具有特别价值的建议的附近兴趣点。
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18.发明申请SHARED ACCOUNT FILTERING OF E-RECEIPT DATA BASED ON EMAIL ADDRESS OR OTHER INDICIA 审中-公开基于电子邮件地址或其他印度的电子接收数据的共享帐户过滤公开(公告)号：US20150052035A1
公开(公告)日：2015-02-19
申请号：US13967930
申请日：2013-08-15
Applicant: Bank of America Corporation
Inventor： Matthew A. Calman , Jason P. Blackhurst , Katherine Dintenfass , Laura C. Bondesen , Carrie Anne Hanson
IPC: G06Q40/02
CPC classification number: G06Q40/02
Abstract: Apparatus, methods, and computer program products are described providing, within a personal finance management application (e.g., online banking, mobile banking or the like), customer-based transaction filtering for shared financial accounts (i.e., joint account or accounts otherwise held by more than one individual/customer). The filtering is configured to present holders of the shared accounts views (e.g., windows, sortable lists or the like) of which transactions, and in some embodiments which items in those transactions, were conducted by which holders of the account.
Abstract translation: 描述了设备，方法和计算机程序产品，其在个人财务管理应用（例如，网上银行，移动银行等）内提供用于共享财务账户的基于客户的交易过滤（即，由 多个个人/客户）。 过滤被配置为呈现其中哪些交易的共享帐户视图（例如，窗口，可排序列表等）的持有者，并且在一些实施例中，这些交易中的哪些项目由账户的哪个持有人进行。
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公开(公告)号：US20150032638A1
公开(公告)日：2015-01-29
申请号：US13952300
申请日：2013-07-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Katherine Dintenfass , Matthew A, Calman , Laura C. Bondesen , Carrie A. Hanson , Jason P. Blackhurst
IPC: G06Q30/00
CPC classification number: G06Q30/012
Abstract: Disclosed is an aggregation computing system and associated method for providing warranty, safety, and/or insurance notifications to a customer. The aggregation computing system typically includes an aggregation module that is configured for receiving first transaction information associated with a purchase of an item by the customer using a first customer account; extracting a unique identifier from the first transaction information, the unique identifier being associated with the item; receiving second transaction information associated with the purchase, the second transaction information including account identification information associated with the first customer account; matching the first transaction information with the second transaction information and associating the first transaction information with the first customer account; retrieving warranty, safety, and/or insurance information associated with the item based on the unique identifier associated with the item; and transmitting the warranty, safety, and/or insurance information associated with the item to the customer.
Abstract translation: 公开了一种用于向客户提供保修，安全和/或保险通知的聚合计算系统和相关联的方法。 聚合计算系统通常包括聚合模块，其被配置为接收由客户使用第一客户帐户购买项目的第一交易信息; 从所述第一交易信息中提取唯一标识符，所述唯一标识符与所述项目相关联; 接收与所述购买相关联的第二交易信息，所述第二交易信息包括与所述第一客户账户相关联的账户识别信息; 将所述第一交易信息与所述第二交易信息相匹配并将所述第一交易信息与所述第一客户账户相关联; 基于与该项目相关联的唯一标识符来检索与该项目相关联的保修，安全和/或保险信息; 并将与该项目相关的保修，安全和/或保险信息传送给客户。
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公开(公告)号：US20140106717A1
公开(公告)日：2014-04-17
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
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。
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