公开(公告)号：US20150100416A1

公开(公告)日：2015-04-09

申请号：US14049808

申请日：2013-10-09

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Laura C. Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Carrie Anne Hanson

IPC: G06Q30/02

CPC classification number: G06Q30/0253

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing electronic communications based on interactive marketing analysis. An exemplary apparatus is configured to receive purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, wherein the purchase transaction data includes product level data from a transaction, receive interactive marketing data associated with identified electronic communications between a merchant and a customer regarding an offer or advertisement, determine the customer's personal interests based at least partially on an analysis of the purchase transaction data and interactive marketing data, and provide the customer an electronic communication based at least partially on determining the customer will be interested in at least one offer or advertisement, wherein the electronic communication includes the at least one offer or advertisement.

Abstract translation: 本发明的实施例涉及用于基于交互式营销分析提供电子通信的系统，方法和计算机程序产品。 示例性设备被配置为接收与商家和客户之间的关于交易的识别的电子通信相关联的购买交易数据，其中购买交易数据包括来自交易的产品级数据，接收与商家之间的所识别的电子通信相关联的交互式营销数据 和客户关于报价或广告，至少部分地基于对购买交易数据和交互式营销数据的分析来确定客户的个人兴趣，并且至少部分地基于确定客户将感兴趣的方式向客户提供电子通信 至少一个报价或广告，其中所述电子通信包括所述至少一个报价或广告。

公开(公告)号：US20150046307A1

公开(公告)日：2015-02-12

申请号：US13961584

申请日：2013-08-07

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  Jason P. Blackhurst ,  Katherine Dintenfass ,  Laura C. Bondesen ,  Carrie Anne Hanson

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q20/12

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for providing automatic determination of discretionary and non-discretionary spending at a transaction item-level and providing related item-level filtering within a personal financial management application, such as online banking, mobile banking or the like. Such item-level filtering provides the customer with the detail necessary to ascertain the discretionary spend versus non-discretionary spend impact of items on an overall customer budget and to make necessary changes in future purchases so as to positively impact the customer's budget constraints.

Abstract translation: 本发明的实施例涉及用于在交易项目级别自动确定自由决定和非自由支出的装置，方法和计算机程序产品，并且在个人财务管理应用中提供相关的项目级过滤，诸如网上银行 ，移动银行等。 这样的项目级过滤为客户提供必要的细节，以确定项目对于整体客户预算的自主支出与非自由支出影响，并对未来购买进行必要的更改，从而对客户的预算约束产生积极的影响。

公开(公告)号：US20150032642A1

公开(公告)日：2015-01-29

申请号：US13952029

申请日：2013-07-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Matthew A. Calman ,  Katherine Dintenfass ,  Carrie A. Hanson ,  Laura C. Bondesen ,  Susan S. Thomas

IPC: G06Q10/00

CPC classification number: G06Q10/20 ,  G06Q20/0453

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to verify ownership information and maintenance/service information of a product. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine ownership information and maintenance/service information of the product from the electronic communication; and generate a profile for the product based on the ownership information and maintenance and service information.

Abstract translation: 本发明的实施例涉及一种系统，方法或计算机程序产品，用于在商家和客户之间利用电子收据数据和其他电子通信数据进行交易以验证产品的所有权信息和维护/服务信息。 在一个实施例中，系统被配置为：识别和检索商家和与交易相关联的客户之间的电子通信; 从电子通信中确定产品的所有权信息和维护/服务信息; 并基于所有权信息和维护和服务信息生成产品的配置文件。

公开(公告)号：US20150032616A1

公开(公告)日：2015-01-29

申请号：US13952210

申请日：2013-07-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Matthew A. Calman ,  Katherine Dintenfass ,  Carrie A. Hanson ,  Laura C. Bondesen

IPC: G06Q40/02

CPC classification number: G06Q40/02

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in online banking to create a personal finance management system. The personal finance management system providing a customer with a granular categorization of spending based on item level spend, wherein the finance management incorporates customer transactions completed with any payment means a customer may use (including cash transactions). The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into a customer's online banking. Utilizing the electronic communications and online banking data the invention builds a personal finance management interface that is based on the transaction level data from the e-receipts and the customer's online banking.

Abstract translation: 本发明的实施例涉及一种系统，方法或计算机程序产品，用于在商家和客户之间利用电子收据数据和其他电子通信数据进行交易以增加网上银行中的数据以创建个人财务管理系统。 个人财务管理系统为客户提供了基于项目级支出的支出细粒度分类，其中财务管理将客户交易完成，客户可以使用客户可能使用的任何付款方式（包括现金交易）完成。 本发明识别和检索商家与与交易相关联的顾客（例如电子收据）之间的电子通信。 随后，本发明将电子收据数据整合到客户的在线银行业务中。 利用电子通信和网上银行数据，本发明构建了基于电子收据和客户网上银行业务级数据的个人理财管理界面。

公开(公告)号：US20150032615A1

公开(公告)日：2015-01-29

申请号：US13952204

申请日：2013-07-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Matthew A. Calman ,  Katherine Dintenfass ,  Carrie A. Hanson ,  Laura C. Bondesen

IPC: G06Q20/10

CPC classification number: G06Q20/108 ,  G06Q40/02

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in a customer's online banking application. As such, present a customer with viewable purchase transaction data alongside online banking data, which allows a customer to view all customer transactions irrespective of payment means within a single online banking application. The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into the customer's online banking application for a holistic customer transaction view.

Abstract translation: 本发明的实施例涉及一种系统，方法或计算机程序产品，用于在商家和客户之间利用电子收据数据和其他电子通信数据，以便在客户的在线银行应用中增加数据。 因此，向客户提供可见购买交易数据以及网上银行数据，这允许客户在单个网上银行应用程序中查看所有客户交易，而不管支付方式如何。 本发明识别和检索商家与与交易相关联的顾客（例如电子收据）之间的电子通信。 随后，本发明将电子收据数据整合到客户的网上银行应用中，以实现整体的客户交易视图。

公开(公告)号：US20150032523A1

公开(公告)日：2015-01-29

申请号：US13953264

申请日：2013-07-29

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Matthew A. Calman ,  Laura C. Bondesen ,  Katherine Dintenfass ,  Carrie A. Hanson

IPC: G06Q20/22 ,  G06Q30/02

CPC classification number: G06Q20/227 ,  G06Q30/0222

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for credit source recommendation based on product level data analysis. In some embodiments, an apparatus is configured to receive an information from a structured database associated with a customer's financial institution account, wherein the information includes a previous product purchase; categorize the customer based on the information received; and provide a recommendation to the customer based on categorization of the customer, wherein the recommendation is a type of financial institution bank card.

Abstract translation: 本发明的实施例涉及基于产品级数据分析的用于信用来源推荐的装置，方法和计算机程序产品。 在一些实施例中，设备被配置为从与客户的金融机构帐户相关联的结构化数据库接收信息，其中所述信息包括先前的产品购买; 根据收到的信息对客户进行分类; 并根据客户的分类向客户提出建议，其中推荐是一种金融机构银行卡。

公开(公告)号：US20150032522A1

公开(公告)日：2015-01-29

申请号：US13953399

申请日：2013-07-29

Applicant: Bank of America Corporation

Inventor： Katherine Dintenfass ,  Laura C. Bondesen ,  Matthew A. Calman ,  Jason P. Blackhurst ,  Carrie A. Hanson

IPC: G06Q30/02

CPC classification number: G06Q30/0226 ,  G06Q30/0215

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for using e-receipts for micro loyalty targeting. 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 item includes an item category; increment a counter associated with the item category; determine, in response to incrementing the counter associated with the item category, 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.

Abstract translation: 本发明的实施例涉及用于使用电子收据进行微型忠诚度定向的装置，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可由处理器执行的模块，并且被配置为：接收与购买项目相关联的信息，其中所述项目包括项目类别; 增加与项目类别相关联的计数器; 确定响应于增加与项目类别相关联的计数器，如果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，向第二装置发送消息。

公开(公告)号：US20140279453A1

公开(公告)日：2014-09-18

申请号：US13836379

申请日：2013-03-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： William Blake Belchee ,  Aditya Bhasin ,  Laura C. Bondesen ,  Matthew A. Calman ,  David Godsman ,  Cherie Rexroth

IPC: G06Q20/10 ,  G06Q20/02 ,  G06Q20/32

CPC classification number: G06Q20/3276 ,  G06K9/18 ,  G06K9/4604 ,  G06Q20/023 ,  G06Q20/0425 ,  G06Q20/102 ,  G06Q20/32

Abstract: Aspects herein describe at least a new method, system, and computer readable storage media for facilitating bill payment by way of using an image of a check. A computing system may transmit a bill payment request to a wireless computing device associated with an account holder of a bill payment account. The computing system may determine whether an account holder of the bill payment account holds a funding account held at the first organization, and as a result, may transmit a request to the wireless computing device for an image of a check associated with a second organization when the account holder of the bill payment account does not hold a funding account at the first organization. Bill payment may be made by way of an ACH transaction using a routing number and an account number obtained from the image of the check.

Abstract translation: 本文中的方面至少描述了通过使用支票的图像来促进票据支付的新方法，系统和计算机可读存储介质。 计算系统可以向与账单支付账户的账户持有者相关联的无线计算设备发送账单支付请求。 计算系统可以确定帐单支付帐户的账户持有者是否持有在第一组织中持有的资金账户，并且因此可以向无线计算设备发送与第二组织相关联的支票的图像的请求， 帐单支付账户的账户持有人不在第一个组织持有资金账户。 帐单支付可以通过ACH交易使用路由号码和从支票的图像获得的帐号进行。

公开(公告)号：US09384497B2

公开(公告)日：2016-07-05

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: G06F7/00 ,  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：US20150106243A1

公开(公告)日：2015-04-16

申请号：US14052334

申请日：2013-10-11

Applicant: Bank of America Corporation

Inventor： Jason P. Blackhurst ,  Laura C. Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Carrie Anne Hanson

IPC: G06Q40/00

CPC classification number: G06Q40/12

Abstract: Apparatus, methods, and computer program products are provided for that automatically identify transactions and/or items in a transaction that are associated with a group of individuals, such as a family, co-workers, a special interest group, a demographic group a social network group or the like. Once transactions and/or items in the transaction have been identified as being associated with the group, the transaction data associated with the transactions and/or the items in the transactions is aggregated and aggregated views of the data are made accessible to individuals in the group, such as through a financial institution financial management application, e.g., online or mobile banking application.

Abstract translation: 提供了装置，方法和计算机程序产品，用于自动识别与一组个人相关联的交易和/或项目，例如家庭，同事，特殊兴趣组，社会群体 网络组等。 一旦交易中的交易和/或项目已经被识别为与该组相关联，则与交易相关联的交易数据和/或交易中的项目被聚合，并且数据的聚合视图使组中的个人可访问 ，例如通过金融机构财务管理应用程序，例如在线或手机银行应用程序。