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    Apparatus and Method for Managing Electronic Transactions
    12.
    发明申请
    Apparatus and Method for Managing Electronic Transactions 有权
    电子交易管理的设备与方法

    公开(公告)号：US20140106717A1

    公开(公告)日：2014-04-17

    申请号：US13652611

    申请日：2012-10-16

    申请人： BANK OF AMERICA CORPORATION

    发明人： 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分类号： H04M3/42 ,  H04M1/00

    CPC分类号： G06Q40/02

    摘要： 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.

    摘要翻译： 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。

    RESOURCE ALLOCATION BASED ON AVAILABLE RESOURCES VIA INTERACTIVE INTERFACE
    16.
    发明申请
    RESOURCE ALLOCATION BASED ON AVAILABLE RESOURCES VIA INTERACTIVE INTERFACE 有权

    公开(公告)号：US20170195993A1

    公开(公告)日：2017-07-06

    申请号：US14987722

    申请日：2016-01-04

    申请人： BANK OF AMERICA CORPORATION

    发明人： Kevin T. Cole ,  Matthew Hsieh ,  Scott R. Enscoe ,  Caitlin Chrisman Bullock

    IPC分类号： H04W72/02

    CPC分类号： H04W72/02 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/322 ,  G06Q20/40 ,  G06Q40/02

    摘要： Embodiments of the invention are directed to a system, method, or computer program product for providing resource allocation based on available resources via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention provides the interactive resource interface on the mobile device, wherein the interface is configured to receive user input comprising physical gestures. The system identifies a user input comprising a first physical gesture, wherein the physical gesture is associated with one or more gesture attributes. Consequently, the system may initiate a resource transfer between two resources, based on correlating the one or more gesture attributes with the resources.

    SYSTEM FOR DETERMINATION AND TRANSFER OF ASSETS
    17.
    发明申请
    SYSTEM FOR DETERMINATION AND TRANSFER OF ASSETS 审中-公开
    资产确定和转移制度

    公开(公告)号：US20170076412A1

    公开(公告)日：2017-03-16

    申请号：US14853716

    申请日：2015-09-14

    申请人： BANK OF AMERICA CORPORATION

    发明人： Katherine Dintenfass ,  Matthew Hsieh ,  Scott R. Enscoe ,  Alicia C. Jones-McFadden ,  Kevin Andrew O'Neil, JR. ,  Minh N. Vuong ,  William F. Borowski

    IPC分类号： G06Q50/18 ,  G06Q10/10

    CPC分类号： G06Q50/186 ,  G06Q10/10

    摘要： Embodiments of the invention are directed to systems, methods, and computer program products for distributing assets upon the occurrence of a triggering event. Embodiments of the invention may be configured to identify a main account of a benefactor containing assets that the benefactor desires to distribute upon the occurrence of a triggering event; receive, information that identifies one or more individuals; create a subaccount that is associated with the main account that names the benefactor and at least one of the one or individuals as managers of the account; receive designations for transferring a portion of the assets from the main account into the subaccount based on the occurrence of the triggering event; identify the occurrence of the triggering event; and transfer the portion of the assets from the main account into the subaccount based on identifying the occurrence of the triggering event.

    摘要翻译： 本发明的实施例涉及用于在触发事件发生时分配资产的系统，方法和计算机程序产品。 本发明的实施例可以被配置为识别在发生触发事件时包含捐助者期望分发的资产的捐赠者的主要账户; 接收，识别一个或多个个人的信息; 创建一个与主帐户相关联的子帐户，该主帐户将该捐赠者和至少一个作为该账户管理者的个人命名; 根据触发事件的发生，收到将部分资产从主账户转入子账户的指定; 识别触发事件的发生; 并且基于识别触发事件的发生将资产的一部分从主帐户转移到子帐户中。

    Impulse Savings Using Savings Memoranda
    18.
    发明申请
    Impulse Savings Using Savings Memoranda 审中-公开
    使用储蓄备忘录的冲动储蓄

    公开(公告)号：US20140164222A1

    公开(公告)日：2014-06-12

    申请号：US13712478

    申请日：2012-12-12

    申请人： BANK OF AMERICA CORPORATION

    发明人： Tamara S. Kingston ,  Glenn M. Grossman ,  Scott R. Enscoe

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/00

    摘要： A method includes receiving a message associated with a savings goal of a user, the message specifying an amount of money the user desires to contribute to the savings goal. The method further includes generating a savings memorandum associated with the savings goal that is stored in association with the savings goal and displaying the savings memorandum to the user along with a selectable option allowing the user accept, decline, or modify the savings memorandum. The method further includes initiating the transfer of the amount of money from a first account of the user to a second account of the user in response to a user selection to accept the savings memorandum, the second account being associated with the savings goal.

    摘要翻译： 一种方法包括接收与用户的储蓄目标相关联的消息，该消息指定用户期望为节约目标贡献的金额。 该方法还包括产生与节省目标相关联的节省备忘录，其与节省目标相关联地存储并且向用户显示节省备忘录以及允许用户接受，拒绝或修改储蓄备忘录的可选择选项。 该方法还包括响应于用户选择接受节省备忘录，启动从用户的第一帐户到第二帐户的金额的转移，第二帐户与节省目标相关联。

    STATEMENT COLLECTION, CONSOLIDATION, AND FACILITATION
    19.
    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

    申请人： BANK OF AMERICA CORPORATION

    发明人： 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分类号： G06Q20/14

    CPC分类号： G06Q10/06311 ,  G06Q20/14 ,  G06Q30/04 ,  G06Q40/02

    摘要： 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.

    摘要翻译： 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。