公开(公告)号：US20170076381A1

公开(公告)日：2017-03-16

申请号：US14853596

申请日：2015-09-14

申请人： BANK OF AMERICA CORPORATION

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

IPC分类号： G06Q40/06

CPC分类号： G06Q40/06

摘要： Embodiments of the invention are directed to systems, methods, and computer program products for assessment of allocated assets. The system is configured to monitor user finances and/or a financial status associated with one or more beneficiaries; receive a user selection of a source of user asset; retrieve information associated with the selected source of user asset; retrieve information from the source; transform the retrieved information into a first data format; receive a user selection of an account associated with a beneficiary; and reallocate funds from the source of user asset to the account of the beneficiary.

摘要翻译： 本发明的实施例涉及用于评估分配的资产的系统，方法和计算机程序产品。 该系统被配置为监视与一个或多个受益者相关联的用户财务和/或财务状况; 接收用户选择的用户资产来源; 检索与选定的用户资源来源相关联的信息; 从源中检索信息; 将检索到的信息转换为第一数据格式; 接收与受益人相关联的帐户的用户选择; 并将资金从用户资产来源重新分配给受益人账户。

公开(公告)号：US20170076379A1

公开(公告)日：2017-03-16

申请号：US14851765

申请日：2015-09-11

申请人： BANK OF AMERICA CORPORATION

发明人： Cameron Darnell Wadley ,  Katherine Dintenfass ,  Angela Fritz Thompson ,  Damon C. Missouri ,  Alexander C. Wittkowski ,  Alicia C. Jones-McFadden

IPC分类号： G06Q40/06 ,  G06Q50/00

CPC分类号： G06Q40/06 ,  G06Q50/01

摘要： Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.

摘要翻译： 本文描述了系统，计算机程序产品和方法，用于分析用户的财务帐户，提供建议的财务动作，并且基于用户的生活事件转换用户的财务账户或交易来自动采取财务动作。 通常，生活事件可能是婚姻或离婚。 生活事件的发生可以由用户进行的交易，用户做出的社交网络发布，用户输入的应用等进行确定。 确定生命事件发生后，分析与生活事件相关联的用户的财务状况，并确定财务行为。 向用户提供财务分析和一个或多个拟议财务举措。 用户选择要执行的一个或多个财务动作，并且自动启动所提出的财务动作。

公开(公告)号：US20170076283A1

公开(公告)日：2017-03-16

申请号：US14851599

申请日：2015-09-11

申请人： Bank of America Corporation

发明人： Katherine Dintenfass ,  Damon C. Missouri ,  Cameron Darnell Wadley ,  Alexander C. Wittkowski ,  Alicia C. Jones-McFadden ,  Angela Fritz Thompson

IPC分类号： G06Q20/38 ,  G06Q30/02 ,  G06Q20/40

CPC分类号： G06Q20/3825 ,  G06Q20/405 ,  G06Q30/0269

摘要： Embodiments of the invention are directed to systems, methods, and computer program products for implementing a change in a parameter associated with an event-responsive resource allocation structure, such as a named beneficiary, and predicting that the current parameters of an event-responsive resource allocation structure a unlikely to be congruent with a user's desired configuration of the parameters of the event-responsive resource allocation structure.

摘要翻译： 本发明的实施例涉及用于实现与诸如命名受益人的事件响应资源分配结构相关联的参数的改变的系统，方法和计算机程序产品，并且预测事件响应资源的当前参数 分配结构不太可能与用户对事件响应资源分配结构的参数的期望配置一致。

公开(公告)号：US20160350858A1

公开(公告)日：2016-12-01

申请号：US14723186

申请日：2015-05-27

申请人： BANK OF AMERICA CORPORATION

发明人： Katherine Dintenfass ,  Alicia C. Jones-McFadden ,  Jeanne Ferullo Connolly ,  David M. Grigg ,  Sahil Bahri ,  Sonny Tai ,  Markondapatnaikuni Samba Siva Patnaik ,  Craig Terrill

IPC分类号： G06Q40/06 ,  G06Q20/10

CPC分类号： G06Q40/06 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/405

摘要： A system and related embodiments are presented that establishes a goal guarantee for a user that provides the user a guarantee of acquiring, at a future date, a life goal based on the user providing a predetermined funding amount over time to a life goal account. The life goal includes goods, real estate and/or services. The predetermined funding amount is determined based at least in part on a predicted future cost for the goal and an uncertainty calculation associated with the user. Once funds are accumulated in the life goal account, the invention provides for automatically reallocating funds in the life goal account from a higher uncertainty investment to a lower uncertainty investment in response to one or more predetermined triggering events, such as dates, amount thresholds, meeting predetermined price thresholds for the goal or components of the goal.

摘要翻译： 呈现系统和相关实施例，其为用户提供目标保证，以向用户提供保证，在将来的日期，基于用户在生命目标账户中随时间提供预定的资金金额来获得生命目标。 生活目标包括货物，房地产和/或服务。 至少部分地基于目标的预测未来成本和与用户相关联的不确定性计算来确定预定供资金额。 一旦资金积累在生命目标帐户中，本发明就可以自动地将生命目标账户中的资金从更高的不确定性投资转移到较低的不确定性投资，以响应一个或多个预定的触发事件，例如日期，金额阈值，会议 目标或目标组件的预定价格阈值。

公开(公告)号：US20160350846A1

公开(公告)日：2016-12-01

申请号：US14723288

申请日：2015-05-27

申请人： Bank of America Corporation

发明人： Katherine Dintenfass ,  David M. Grigg ,  Alicia C. Jones-McFadden ,  Jeanne Ferullo Connolly ,  Craig Terrill ,  Sahil Bahri ,  Sonny Tai ,  Markondapatnaikuni Samba Siva Patnaik

IPC分类号： G06Q40/00 ,  G06F19/00

CPC分类号： G06Q40/00 ,  G16H40/63

摘要： Embodiments of the invention are directed to systems, methods, and computer program products for a system that utilizes health information (e.g., steps taken, miles walked, exercise time, strenuous activity, pulse, heart rate, sweat analysis, breath analysis, blood analysis, caloric intake, skin analysis, temperature analysis, brainwave analysis, other medical diagnostic information, or the like) captured from wearable devices, and financial transactions to adjust estimated or projected life expectancy and health expenses (e.g., medical care expenses, fitness care expenses, health food expenses, or the like) of a user, in order to adjust retirement age, retirement savings, or other financial information, and display this information in a financial, health, and/or retirement monitoring interface.

摘要翻译： 本发明的实施例涉及一种利用健康信息（例如步骤，步行，运动时间，剧烈活动，脉搏，心跳率，汗液分析，呼吸分析，血液分析）的系统的系统，方法和计算机程序产品 ，热量摄取，皮肤分析，温度分析，脑波分析，其他医疗诊断信息等）和金融交易，以调整估计或预计的预期寿命和健康费用（例如医疗费用，健身护理费用 ，健康食品费用等），以便调整退休年龄，退休储蓄或其他财务信息，并将该信息显示在财务，健康和/或退休监控界面中。

公开(公告)号：US20160125484A1

公开(公告)日：2016-05-05

申请号：US14530209

申请日：2014-10-31

申请人： BANK OF AMERICA CORPORATION

发明人： Carrie Anne Hanson ,  Alicia C. Jones-McFadden ,  Craig Sobol ,  Brent Alan Shelkey ,  Kimberly Ya-chin Chang ,  Sarah Beth Gottfried ,  Wang Liang ,  Neha Rani Rathi ,  Anthony Scott Wong

IPC分类号： G06Q30/02 ,  H04L29/06

CPC分类号： G06Q30/0282 ,  H04L65/1069 ,  H04L65/4015 ,  H04L65/403

摘要： Embodiments of the invention provide instant customer service feedback during a communication session with the customer. The system initiate a video conference communication session between the customer and the business agent that comprises providing a multimedia interface between the agent and the customer that provides the agent and the customer with an audio and video feedback of one another. After initiating the video conference communication session, a customer feedback interface configured to receive feedback from the customer in real-time during the video conference communication session is presented on the display of the customers apparatus such that the system may receive, in real-time, feedback provided by the customer via the customer feedback interface.

摘要翻译： 本发明的实施例在与客户的通信会话期间提供即时的客户服务反馈。 该系统发起客户和业务代理之间的视频会议通信会话，该会话包括在代理和客户之间提供多媒体接口，为客户和客户提供彼此的音频和视频反馈。 在启动视频会议通信会话之后，客户反馈接口被配置为在视频会议通信会话期间实时接收来自客户的反馈，在客户设备的显示器上呈现，使得系统可以实时地接收， 客户通过客户反馈界面提供反馈。

公开(公告)号：US20160055487A1

公开(公告)日：2016-02-25

申请号：US14928360

申请日：2015-10-30

申请人： BANK OF AMERICA CORPORATION

发明人： Elizabeth S. Votaw ,  Alicia C. Jones-McFadden ,  David M. Grigg ,  Peter John Bertanzetti ,  Michael E. Toth ,  Carrie Anne Hanson

IPC分类号： G06Q20/40 ,  G06F21/31

CPC分类号： G06Q20/4014 ,  G06F21/316 ,  H04L63/08 ,  H04L2463/082

摘要： Embodiments are directed to systems, methods and computer program products for providing user authentication based on historical user patterns. Embodiments receive from a user, a request to execute a user action associated with an application, wherein execution of the user action requires validation of authentication credentials; collect a set of data comprising information related to user patterns associated with the apparatus of the user; determine a user pattern score associated with the user; determine a level of authentication; determine which authentication types are associated with the level of authentication; request authentication credentials corresponding to the authentication types; receive authentication credentials from the user; validate the authentication credentials, thereby resulting in a successful validation of the authentication credentials; and in response to the successful validation, execute the user action.

摘要翻译： 实施例涉及用于基于历史用户模式提供用户认证的系统，方法和计算机程序产品。 实施例从用户接收执行与应用相关联的用户动作的请求，其中用户动作的执行需要认证证书的验证; 收集包括与用户的装置相关联的用户模式的信息的一组数据; 确定与用户相关联的用户模式得分; 确定认证级别; 确定哪些认证类型与认证级别相关联; 请求与认证类型相对应的认证凭证; 从用户接收认证凭证; 验证身份验证凭证，从而导致验证凭证成功验证; 并且响应成功验证，执行用户操作。

公开(公告)号：US20160005048A1

公开(公告)日：2016-01-07

申请号：US14856017

申请日：2015-09-16

申请人： Bank of America Corporation

发明人： David M. Grigg ,  Richard Andrew Starbuck ,  Carrie Anne Hanson ,  Alicia C. Jones-McFadden ,  Nathan Dent ,  Nicholas Munson ,  Matthew K. Bryant

IPC分类号： G06Q30/00 ,  H04W4/00 ,  H04M1/725 ,  H04W4/02

CPC分类号： G06Q30/01 ,  G02B27/017 ,  G02B2027/0138 ,  G02B2027/014 ,  G02B2027/0178 ,  G02B2027/0187 ,  H04M1/72572 ,  H04W4/023 ,  H04W4/21 ,  H04W4/80

摘要： Systems, apparatus, and computer program products provide for monitoring an area within or proximate to a place of business for digital signatures of mobile communication devices, such as cellular devices or wearable communication devices. The captured digital signatures are then matched to digital signatures associated with existing customers of the business to determine the presence of the existing customer within or proximate to the place of business. Once the presence of the existing customer within or proximate to the business is known, the business can access other relevant information, such as customer profile information, prior transaction/interaction information or the like to enhance the customer's current interaction with the business. Moreover, once the presence of the existing customer is known, location determining mechanisms may implemented to track the location of the known customer within or proximate to the place of business for the purpose of positively identifying the known customer.

摘要翻译： 系统，装置和计算机程序产品用于监视移动通信设备（例如蜂窝设备或可穿戴通信设备）的数字签名的业务场所内或附近的区域。 然后将捕获的数字签名与与业务的现有客户相关联的数字签名进行匹配，以确定现有客户在业务场所内或附近的存在。 一旦知道业务内部或附近的现有客户的存在是已知的，则业务可以访问其他相关信息，例如客户简档信息，先前交易/交互信息等，以增强客户当前与业务的交互。 此外，一旦知道了现有客户的存在，就可以实现位置确定机制，以便在正确地识别已知客户的目的的情况下跟踪商业地点内或附近的已知客户的位置。

公开(公告)号：US11087324B2

公开(公告)日：2021-08-10

申请号：US16447498

申请日：2019-06-20

申请人： BANK OF AMERICA CORPORATION

发明人： Katherine Dintenfass ,  Alicia C. Jones-McFadden

IPC分类号： G06Q20/40 ,  G06Q20/02 ,  G06Q20/38

摘要： An interaction and resource exchange system that provides authentication for a designated user to complete an interaction entered into by an initiating user. An initiating user is able to enter into interactions with third-parties and set one or more interaction limits and/or designated user requirements to allow a designated user to complete the interaction with the third-party should interaction limits and/or designated user requirements be met. The interaction limits and/or the designated user requirements allow for improved security related to these types of interactions and resource exchanges. In particular, the interaction and resource exchange may be implemented through a real-time resource exchange network that efficiently allows for the designated user to complete the interaction.

公开(公告)号：US10951720B2

公开(公告)日：2021-03-16

申请号：US15427506

申请日：2017-02-08

申请人： BANK OF AMERICA CORPORATION

发明人： Kevin T. Cole ,  Alicia C. Jones-McFadden ,  Sushil Golani ,  Caitlin Chrisman Bullock ,  Dariane K. Hunt ,  Ramakrishna R. Yannam ,  Christian S. Kitchell ,  Matthew Hsieh ,  Shahram Khosraviani ,  Priyank R. Shah ,  Maruthi Shanmugam

IPC分类号： H04L29/08 ,  G06N20/00 ,  G06N5/04 ,  G06F40/279 ,  G06F40/289 ,  G10L15/26

摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing a multi-channel cognitive resource platform configured for intelligent, proactive and responsive communication with a user, via a user device. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel. The system is further configured to switch between the various communication channels seamlessly, and in real-time.