公开(公告)号：US20150032574A1

公开(公告)日：2015-01-29

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

IPC: G06Q30/06

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.

Abstract translation: 本发明的实施例涉及用于基于电子收据数据提供价格评估的系统，方法和计算机程序产品。 示例性装置被配置为：识别与商家和客户之间的所识别的电子通信相关联的购买交易数据，其中所述购买交易数据包括来自交易的产品级数据; 接收所识别的购买交易数据，其中以非结构化格式接收所述购买交易数据; 将购买交易数据从非结构化格式转换为结构化格式; 将结构化采购交易数据与客户的网上银行应用相关联; 与多个客户购买的第一产品相关的总购买交易数据; 至少部分地基于购买交易数据的分析确定第一产品的最佳价格; 并向第一方或多方传达第一种产品的最佳价格。

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。

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。

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

IPC: G06Q20/10 ,  G06Q30/02

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。

公开(公告)号：US08902279B2

公开(公告)日：2014-12-02

申请号：US13652093

申请日：2012-10-15

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  Alicia C. Jones ,  Elizabeth S. Votaw ,  Rajat Agrawal ,  Wanwen Han ,  Su Liu ,  Nir Rachmel ,  Lynn Streja ,  Carrie Anne Hanson ,  Cameron Jungeun Park-Hur ,  James Robert Grimsley

IPC: H04N7/15

CPC classification number: H04N7/15 ,  G06Q10/1093 ,  G06Q30/00 ,  H04L12/1813 ,  H04L12/1818 ,  H04M3/5183 ,  H04M3/567 ,  H04M2201/38

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection; and receive user input selecting one of the at least one representatives for conference connection. Some embodiments establish an operative connection between the user device and a representative system associated with the representative over which the user and the representative can conduct an audio-visual conference.

Abstract translation: 本发明的实施例涉及用于帮助用户选择金融机构的客户服务代表以准备客户服务会议的系统，方法和计算机程序产品。 实施例确定在用户的用户设备和与金融机构相关联的系统之间正在建立操作连接，使得用户和金融机构的代表可以进行会议; 确定来自潜在代表池的至少一个代表，所述至少一个代表被确定为呈现给用户以供用户选择; 并且接收选择所述至少一个代表之一用于会议连接的用户输入。 一些实施例在用户设备和与代表相关联的代表系统之间建立操作连接，用户和代表可以通过该代表进行视听会议。

公开(公告)号：US08867734B2

公开(公告)日：2014-10-21

申请号：US13651674

申请日：2012-10-15

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  Alicia C. Jones ,  Elizabeth S. Votaw ,  Rajat Agrawal ,  Wanwen Han ,  Su Liu ,  Nir Rachmel ,  Lynn Streja ,  Cameron Jungeun Park-Hur ,  James Robert Grimsley

IPC: H04M3/523

CPC classification number: H04L12/1822 ,  G06Q30/016 ,  H04L12/1813 ,  H04M3/51 ,  H04M3/5238 ,  H04M3/567 ,  H04M2201/38 ,  H04M2201/50 ,  H04N7/15

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing functionality to users during a hold period prior to conducting a customer-service video conference. In specific embodiments of the present invention, the user is able to exit the video conferencing application during the hold period and be subsequently notified when the hold period is about to end and the video conference about to start. Such exiting of the video conference application and subsequent notification of the imminence of the video conference, allows for the user to perform other functions/execute other applications on the device while being assured that the user will have opportunity to conduct the video conference when the user's position in the hold period queue indicates they are next in line for conducting the video conference.

Abstract translation: 本发明的实施例涉及用于在进行客户服务视频会议之前的保持期间向用户提供功能的系统，方法和计算机程序产品。 在本发明的具体实施例中，用户能够在保持期间退出视频会议应用，并且当保持期即将结束并且视频会议即将开始时随后被通知。 视频会议应用的这种退出和随后的视频会议的通知允许用户在设备上执行其他功能/执行其他应用，同时确保用户将有机会在用户的视频会议 持续时间队列中的位置表示它们在下一行进行视频会议。

公开(公告)号：US08866878B2

公开(公告)日：2014-10-21

申请号：US13652175

申请日：2012-10-15

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  Alicia C. Jones ,  Elizabeth S. Votaw ,  Rajat Agrawal ,  Wanwen Han ,  Su Liu ,  Nir Rachmel ,  Lynn Streja ,  Carrie Anne Hanson ,  Cameron Jungeun Park-Hur ,  James Robert Grimsley

IPC: H04N7/14

CPC classification number: H04N7/14 ,  H04M3/5183 ,  H04M3/567 ,  H04M2201/38 ,  H04N7/155 ,  H04N21/485

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; recognize the user as a customer enrolled in a representative pre-selection program; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection and determined based at least in part on the user having previously conferenced with the at least one representative; and receive user input selecting one of the at least one representatives for conference connection.

Abstract translation: 本发明的实施例涉及用于帮助用户选择金融机构的客户服务代表以准备客户服务会议的系统，方法和计算机程序产品。 实施例确定在用户的用户设备和与金融机构相关联的系统之间正在建立操作连接，使得用户和金融机构的代表可以进行会议; 将用户识别为登记在代表性预选程序中的客户; 确定来自潜在代表池中的至少一个代表，所述至少一个代表被确定为向用户呈现用户选择，并且至少部分地基于用户先前已经与所述至少一个代表协商确定; 并且接收选择所述至少一个代表之一用于会议连接的用户输入。

公开(公告)号：US20140279505A1

公开(公告)日：2014-09-18

申请号：US13803682

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: G06Q20/22

CPC classification number: G06Q20/227 ,  G06Q30/0645

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction based on social network data. Embodiments of the invention allow a customer to receive a recommended payment vehicle for a transaction with a merchant where the recommended payment vehicle is determined based on social network data. In this way, a payment recommendation may be based on one or more preferences of a trusted advisor, social network friend, family member, celebrity, or an aggregation of data related to how a group of individuals on a social network are selecting payment vehicles for various merchants. The invention may review this social network data and provide the customer with a payment vehicle recommendation for a transaction with a merchant.

Abstract translation: 本发明的实施例涉及一种用于基于社交网络数据为交易推荐支付车辆的系统，方法或计算机程序产品。 本发明的实施例允许客户接收与商户的交易的推荐支付车辆，其中基于社交网络数据确定推荐支付车辆。 以这种方式，支付建议可以基于信任顾问，社交网络朋友，家庭成员，名人或与社交网络上的一组个人如何选择支付车辆的数据的一个或多个偏好相关联 各种商人。 本发明可以审查这种社交网络数据，并向客户提供与商家进行交易的支付车辆推荐。

公开(公告)号：US20140279490A1

公开(公告)日：2014-09-18

申请号：US13801204

申请日：2013-03-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Laura Corinne Bondesen ,  David M. Grigg

IPC: G06Q20/40

CPC classification number: G06Q20/40 ,  G06Q20/1085 ,  G06Q20/3224

Abstract: Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether out-of-network transaction costs and/or an out-of-area transaction costs are associated with an ATM transaction associated with an authorized user. It is also determined whether a geographic location associated with the ATM transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If out-of-network transaction costs and/or an out-of-area transaction costs are associated with the ATM transaction, it is determined whether to reduce the out-of-network transaction costs and/or an out-of-area transaction costs associated with the ATM transaction based at least partially on whether the geographic location associated with the ATM transaction is geographically proximate to the geographic location associated with the mobile device.

Abstract translation: 本发明的实施例提供了用户位置验证的未经授权交易保护。 确定网络外交易成本和/或区域外交易成本是否与与授权用户相关联的ATM交易相关联。 还确定与ATM事务相关联的地理位置是否在地理上靠近与与授权用户相关联的移动设备相关联的地理位置。 如果网络外交易成本和/或区域外交易成本与ATM交易相关联，则确定是否减少网络外交易成本和/或区域外交易 至少部分地基于与ATM事务相关联的地理位置在地理上靠近与移动设备相关联的地理位置的与ATM事务相关联的成本。

公开(公告)号：US20140279010A1

公开(公告)日：2014-09-18

申请号：US13829749

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Laura Corinne Bondesen ,  David M. grigg

IPC: G06Q30/02

CPC classification number: G06Q30/0261 ,  G06Q30/02 ,  G06Q50/01

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for communicating messages to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; create one or more messages based on the determination that the one or more customers are in proximity to the retailer physical location; and initiate communication of the one or more messages to the one or more customers. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers.

Abstract translation: 本发明的实施例涉及用于向与联合零售商网络相关联的一个或多个客户传送消息的系统，方法和计算机程序产品。 实施例确定与联合零售商网络相关联的一个或多个客户靠近与作为联合零售商网络的零售商的零售商相关联的零售商物理位置; 基于一个或多个客户位于零售商物理位置附近的确定来创建一个或多个消息; 并且发起一个或多个消息的通信给一个或多个客户。 在一些实施例中，确定包括识别移动设备与作为联合零售商网络的成员的至少一个零售商的客户相关联。