公开(公告)号：US20140279006A1

公开(公告)日：2014-09-18

申请号：US13827734

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/02

CPC classification number: G06Q30/0215

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a credit account a location of a consumer having the credit account. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with a mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine a balance value of the credit account of the consumer; and (d) determine an offer to present to the consumer based at least partially on the balance value of the credit account and a determined location of the consumer.

Abstract translation: 本发明的实施例涉及用于基于具有该信用账户的消费者的位置的信用账户的余额确定提供的系统，方法和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收与消费者的移动计算设备相关联的地理位置信息; （b）接收与消费者的信用账户有关的信息，其中消费者是信用账户的持有人; （c）确定消费者信用账户的余额值; 以及（d）至少部分地基于所述信用账户的余额值和消费者的确定位置确定向消费者呈现的要约。

公开(公告)号：US20140258062A1

公开(公告)日：2014-09-11

申请号：US13791285

申请日：2013-03-08

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg ,  Carrie Anne Hanson

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q30/0201 ,  G06Q50/01

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for balancing a load of financial transaction channels. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine load information for at least two interaction paths associated with the financial institution physical location; compare the load information for the interaction paths; determine, based on the comparison of the load information for the interaction paths, an interaction path to recommend to the customer; and provide, to the customer, information associated with the recommended interaction path. In some cases, the load information includes a capacity percentage corresponding to the capacity of the interaction path with respect to a predetermined full capacity for each of the interaction paths.

Abstract translation: 本发明的实施例涉及用于平衡金融交易信道的负载的系统，方法和计算机程序产品。 实施例确定客户正在旅行到或者当前位于金融机构物理位置附近; 确定与金融机构物理位置相关联的至少两个交互路径的负载信息; 比较交互路径的负载信息; 根据交互路径的负载信息的比较，确定向客户推荐的交互路径; 并向客户提供与推荐的交互路径相关联的信息。 在一些情况下，负载信息包括对应于交互路径的容量相对于每个交互路径的预定满容量的容量百分比。

公开(公告)号：US20140258007A1

公开(公告)日：2014-09-11

申请号：US13785970

申请日：2013-03-05

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg ,  Carrie Anne Hanson

IPC: G06Q20/20

CPC classification number: G07G1/0081 ,  G06Q20/127 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3276 ,  G06Q20/3567

Abstract: Systems, methods and computer programs provide for implementing a mobile communication device, such as a smart telephone or the like, as a point of transaction for in-store purchases, such that all a customer needs to do is capture the coded indicia of products they desire (i.e., scan the products) with their mobile communication device as they shop and the purchase transaction will subsequently occur based on either the customer (in possession of the mobile communication device) being physically located in a designated area of the store or the lapse of a predetermined period of time from when the coded indicia was captured.

Abstract translation: 系统，方法和计算机程序提供实现诸如智能电话等的移动通信设备作为用于店内购买的交易点，使得所有客户需要做的是捕获其产品的编码标记 随着他们的购物和移动通信设备的欲望（即，扫描产品），并且购买交易将随后基于物理上位于商店的指定区域中的客户（拥有移动通信设备）或流逝 从编码标记被捕获起的预定时间段。

公开(公告)号：US20140244483A1

公开(公告)日：2014-08-28

申请号：US13777646

申请日：2013-02-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg ,  Carrie Anne Hanson

IPC: G06Q20/32

CPC classification number: G06Q20/3224

Abstract: Systems, methods, and computer program products provide for notifying service customers of a verified period of time which a service provider has been located at a service location and, based on the notification, initiate payment, and in some embodiments, automated payment, to the service provider for the services rendered. As service customers are not required to be present when service is provided or at least upon completion of the service. Moreover, the remote service customer can be assured that a service provider was present at a verified location for a specified period of time, and, based on the assurance, initiate payment to the service provider.

Abstract translation: 系统，方法和计算机程序产品提供通知服务客户经过验证的时间段，服务提供商已经位于服务位置，并且基于该通知，启动支付，并且在一些实施例中，自动支付给 服务提供商提供的服务。 由于服务客户在提供服务或至少在服务完成后不需要出席。 此外，远程服务客户可以确保服务提供商在经过验证的位置存在指定的时间段，并且基于该确认，向服务提供商发起支付。

公开(公告)号：US08744968B1

公开(公告)日：2014-06-03

申请号：US13800916

申请日：2013-03-13

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  Susan Smith Thomas ,  Scott Lee Harkey ,  Laura Bondesen ,  Matthew A. Calman

IPC: G06Q10/00 ,  G06Q40/00

CPC classification number: G06Q20/3224 ,  G06Q10/00 ,  G06Q40/00

Abstract: Systems, methods and computer programs provide for automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device. The described embodiments provide for the activity participant to automatically pay for the activity based on their presence at the activity location and agreement to participate. As such, the need to check-in and/or pay for the activity at a conventional payment counter is eliminated. Further, the invention provides for an automatic final payment to be made at the conclusion of the activity as opposed to having to pre-pay for the activity prior to conducting the activity. By remitting final payment at the completion of the activity, activity pricing can be accurately determined based on the amount and/or time of the activity in which the activity participant participated.

Abstract translation: 系统，方法和计算机程序提供基于确定活动参与者的移动通信设备的位置的活动的自动初始和最终支付。 所描述的实施例提供活动参与者基于他们在活动位置的存在和参与协议来自动支付活动。 因此，消除了在常规支付柜台登记和/或支付活动的需要。 此外，本发明提供了在活动结束时自动最终付款，而不是在进行活动之前必须预付活动费用。 通过在活动完成后汇报最终付款，可以根据活动参与者参与的活动的数量和/或时间准确确定活动定价。

公开(公告)号：US20140115064A1

公开(公告)日：2014-04-24

申请号：US13655749

申请日：2012-10-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Carrie A. Hanson ,  John M. Rees ,  Nancy G. Talarico

IPC: G06F15/16

CPC classification number: G06Q30/06

Abstract: According to one embodiment, an apparatus may store a document associated with a user. The apparatus may further receive a transaction associated with the user and associate the document with the transaction. The apparatus may then initiate a communication session associated with the transaction between the user and a participant. The apparatus may assign a task to the participant so that the participant is responsible for performing the task in order for the transaction to be resolved.

Abstract translation: 根据一个实施例，设备可以存储与用户相关联的文档。 该装置还可以接收与该用户相关联的交易并将该文档与交易相关联。 该装置然后可以启动与用户和参与者之间的交易相关联的通信会话。 设备可以向参与者分配任务，使得参与者负责执行任务，以便事务被解决。

公开(公告)号：US20140108288A1

公开(公告)日：2014-04-17

申请号：US13652120

申请日：2012-10-15

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q10/00

CPC classification number: G06Q40/02 ,  H04N7/155

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a record of an interactive conference, such as a video conference. The systems, methods, and computer program products determine that an operative connection has been established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative are conducting a conference; identify a document referenced during the conference; capture at least a portion of the conference in a record; associate the document with the record; and store the record. Customers of financial institutions desire to have records of their interactions with representatives of the financial institution and the embodiments of this invention assist the customer in maintaining and organizing those records.

Abstract translation: 本发明的实施例涉及用于提供诸如视频会议的交互式会议的记录的系统，方法和计算机程序产品。 系统，方法和计算机程序产品确定在用户的用户设备和与金融机构的代表相关联的系统之间建立了操作连接，使得用户和代表正在进行会议; 识别会议期间引用的文件; 在记录中捕获会议的至少一部分; 将文件与记录相关联; 并存储记录。 金融机构的客户希望记录与金融机构代表的互动记录，本发明的实施例有助于客户维护和组织这些记录。

公开(公告)号：US20140106721A1

公开(公告)日：2014-04-17

申请号：US13651798

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 ,  Lin Streja ,  Cameron Park-Hur

IPC: H04W4/00

CPC classification number: H04M3/56 ,  H04L12/1818 ,  H04L12/1822 ,  H04M3/51

Abstract: Systems, methods, and computer program products for adaptively scaffolding of levels of connectivity between one or more customer devices during customer service conference are provided. The system includes various applications and features executable on a computing and/or mobile computing device. The system includes a user interface configured to present tools and features that allows a customer, during a digital conference with a bank representative, to manipulate the channels of communication, levels of connectivity or other features of the digital conference. In some instances, a scaffolding application on the bank's server may be provided to dynamically adjust the levels of connectivity and/or channels of communication of an ongoing digital conference session between a customer and a bank representative based on prior conferences involving the customer and/or a bank representative. As such, the system allows for self-directed and/or computer-aided adjustment of levels of connectivity during a conference.

Abstract translation: 提供了用于在客户服务会议期间自适应地搭建一个或多个客户设备之间的连接级别的系统，方法和计算机程序产品。 该系统包括在计算和/或移动计算设备上可执行的各种应用和特征。 该系统包括被配置为呈现工具和特征的用户界面，其允许客户在与银行代表的数字会议期间操纵通信信道，连接级别或数字会议的其他特征。 在某些情况下，可以提供银行服务器上的脚手架应用程序，用于基于涉及客户和/或客户的先前会议来动态地调整客户和银行代表之间正在进行的数字会议会话的连接和/或沟通渠道的级别 银行代表。 因此，系统允许在会议期间进行自我导向和/或计算机辅助的连接级别的调整。

公开(公告)号：US20140104372A1

公开(公告)日：2014-04-17

申请号：US13652326

申请日：2012-10-15

Applicant: BANK OF AMERICA CORPORATION

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

IPC: H04N7/15

CPC classification number: H04N7/15 ,  H04N7/155 ,  H04N21/4751

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving input to initiate a video conference with a first participant from a user; initiating the video conference between the user and the first participant; receiving a request to add at least a second participant to the video conference from at least one of the user and the first participant, the request comprising credentials associated with the second participant; determining that the second participant is authorized to join the video conference based on the credentials; and connecting the second participant to the video conference.

Abstract translation: 本发明的实施例涉及用于接收来自用户的与第一参与者发起视频会议的输入的系统，方法和计算机程序产品; 在用户和第一参与者之间发起视频会议; 从所述用户和所述第一参与者中的至少一个接收至少将第二参与者添加到所述视频会议的请求，所述请求包括与所述第二参与者相关联的凭证; 基于所述凭证确定所述第二参与者被授权加入所述视频会议; 并将第二参与者连接到视频会议。

公开(公告)号：US20140101072A1

公开(公告)日：2014-04-10

申请号：US13647769

申请日：2012-10-09

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Carrie Anne Hanson ,  Scott R. Enscoe ,  John Rees ,  Nancy Talarico ,  Sven David Newman ,  Greg Leonard Hertz

IPC: G06Q40/06

CPC classification number: G06Q40/06

Abstract: According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request to display a giving plan associated with a donor. The processors determine beneficiaries and assets of the donor. The processors also determine an allocation plan that associates one or more of the assets with one or more of the beneficiaries. The interface displays the giving plan comprising a graphical representation of the beneficiaries and a relative value of the assets associated with each beneficiary based on the allocation plan. The giving plan also comprises interactive features that facilitate modifying the graphical representation in order to visualize a potential change to the allocation plan.

Abstract translation: 根据一些实施例，系统包括接口和一个或多个处理器。 接口接收到显示与捐赠者相关联的给予计划的请求。 处理者确定捐助者的受益人和资产。 处理者还确定将一个或多个资产与一个或多个受益人相关联的分配计划。 该界面显示给出计划，包括受益人的图形表示以及基于分配计划的与每个受益人相关联的资产的相对价值。 赠送计划还包括促进修改图形表示以便可视化分配计划的潜在变化的交互功能。