公开(公告)号：US20160171454A1

公开(公告)日：2016-06-16

申请号：US15047997

申请日：2016-02-19

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  Carlos Vieira ,  Susan Smith Thomas

IPC: G06Q10/10 ,  G06Q30/06 ,  G06Q20/32 ,  G06F17/30

CPC classification number: G06Q10/1097 ,  G06F16/9562 ,  G06Q10/063114 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q30/016 ,  G06Q30/06 ,  G06Q30/0635 ,  G06Q40/00

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transaction queuing. In some embodiments, a system is configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; and perform the preliminary work associated with the intended transaction. The preliminary work is placed on a transaction queue until the user arrives at the facility.

Abstract translation: 本发明的实施例涉及用于事务排队的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：接收与预期交易相关联的信息，其中用户将在用户定义的时间在设施处执行预期交易; 确定与在用户定义的时间之前可执行的预期交易相关联的初步工作; 并执行与预期交易相关的初步工作。 初步工作被放置在交易队列上，直到用户到达设施。

公开(公告)号：US20160110675A1

公开(公告)日：2016-04-21

申请号：US14977139

申请日：2015-12-21

Applicant: Bank of America Corporation

Inventor： David M Grigg ,  Carlos Vieira ,  Susan Smith Thomas

IPC: G06Q10/06 ,  G06Q30/00

CPC classification number: G06Q10/1097 ,  G06F17/30884 ,  G06Q10/063114 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q30/016 ,  G06Q30/06 ,  G06Q30/0635 ,  G06Q40/00

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transaction queuing. In some embodiments, a system is configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; and perform the preliminary work associated with the intended transaction. The preliminary work is placed on a transaction queue until the user arrives at the facility.

公开(公告)号：US09224113B2

公开(公告)日：2015-12-29

申请号：US13691136

申请日：2012-11-30

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  Carlos Vieira ,  Susan Smith Thomas

IPC: G06Q20/32 ,  G06Q10/06 ,  G06Q30/06 ,  G06Q40/00

CPC classification number: G06Q10/1097 ,  G06F17/30884 ,  G06Q10/063114 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q30/016 ,  G06Q30/06 ,  G06Q30/0635 ,  G06Q40/00

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transaction queuing. In some embodiments, a system is configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; and perform the preliminary work associated with the intended transaction. The preliminary work is placed on a transaction queue until the user arrives at the facility.

Abstract translation: 本发明的实施例涉及用于事务排队的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：接收与预期交易相关联的信息，其中用户将在用户定义的时间在设施处执行预期交易; 确定与在用户定义的时间之前可执行的预期交易相关联的初步工作; 并执行与预期交易相关的初步工作。 初步工作被放置在交易队列上，直到用户到达设施。

公开(公告)号：US20140279799A1

公开(公告)日：2014-09-18

申请号：US13804869

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Susan Smith Thomas ,  Laura Corinne Bondesen ,  David M. Grigg

IPC: G06N5/02

CPC classification number: G06Q30/0215

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a rewards program. The system, method, and computer program product are configured to determine that a customer has completed an action; determine that the customer has earned a reward based on the action; determine a category associated with the reward; and apply the reward to the category. In some situations, the categories are default categories provided by the financial institution. In other situations, the categories are defined by the customer. The system determines which category an earned award is routed into using a decision engine that evaluates the award and/or the action completed by the customer and compares the award and/or action to rules, such as default rules, custom rules, or dynamic rules. The categories may also include goals and the system assists in tracking customer's progress towards the goal.

Abstract translation: 本发明的实施例涉及用于提供奖励计划的系统，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确定客户已经完成了动作; 确定客户根据该行为获得奖励; 确定与奖励相关的类别; 并将奖励应用于该类别。 在某些情况下，这些类别是由金融机构提供的默认类别。 在其他情况下，类别由客户定义。 系统确定获得的奖励的哪个类别被引入使用评估奖励和/或客户完成的动作的决策引擎，并将奖励和/或动作与规则（例如默认规则，自定义规则或动态规则）进行比较 。 这些类别可能还包括目标，系统可帮助跟踪客户实现目标的进度。

公开(公告)号：US20140279506A1

公开(公告)日：2014-09-18

申请号：US13804345

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Eileen D. Bridges ,  Lisa Gibson ,  James G. Ronca ,  Mark D. Zanzot ,  Susan Smith Thomas

IPC: G06Q20/32

CPC classification number: G06Q20/322 ,  G06Q20/3276

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for making a mobile payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia from a second apparatus; enable a user to input payment information, wherein the payment information comprises at least one of a payee, a payment amount, or a payment source; transmit the readable indicia and the payment information to a third apparatus.

Abstract translation: 本发明的实施例涉及通过传输网络进行移动支付的系统，方法和计算机程序产品。 在一些实施例中，第一装置被配置为：从第二装置接收可读标记; 使用户能够输入支付信息，其中所述支付信息包括收款人，支付金额或支付来源中的至少一个; 将可读标记和支付信息发送到第三装置。