公开(公告)号：US20150100467A1

公开(公告)日：2015-04-09

申请号：US14049537

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: G06Q40/00 ,  G06Q20/04

CPC classification number: G06Q40/12 ,  G06Q10/10

Abstract: Apparatus, methods, and computer program products are described for automatically determining which individual, from amongst a group of individuals, for example, a household, should be assigned which items in a transaction for the purpose of assessing budget for the group on a per-individual level. Transaction item-identifying data, such as an e-receipt is analyzed to identify items in a transaction, the transaction is determined to be associated an account that is tied to a group of individuals and the items in the transaction are determined to belong to or otherwise, for budgetary purposes, assignable to an individual belonging to the group.

Abstract translation: 描述了装置，方法和计算机程序产品，用于自动确定哪些个人（例如，一组中的个人）应当被分配在交易中哪个项目用于评估基于每个人的组的预算， 个人水平 分析诸如电子收据之类的交易项目识别数据以识别交易中的项目，该交易被确定为与一组个人相关联的账户相关联，并且交易中的项目被确定为属于或 否则，出于预算目的，可转让给属于该组的个人。

公开(公告)号：US20150032602A1

公开(公告)日：2015-01-29

申请号：US13953106

申请日：2013-07-29

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q40/02

CPC classification number: G06Q30/0631 ,  G06Q40/02

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for understanding past transactions based on purchase history. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve information associated with the request from a structured financial account database; and provide a recommendation to the customer based on the request and the information retrieved.

公开(公告)号：US20150032586A1

公开(公告)日：2015-01-29

申请号：US13952362

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: G06Q40/00

CPC classification number: G06Q30/0631 ,  G06Q40/00

Abstract: Embodiments related to tracking consumer consumption for purchased items are included in systems that receive e-receipt data, including stack keeping unit (SKU) level data from a customer and compare the e-receipt data with transaction data. The systems identify transactions associated with one or more customer goals based on the SKU level data and calculate a first quantity of consumption for each of the identified transactions.

Abstract translation: 跟踪消费者购买物品消费相关的实施例包括在接收电子收据数据的系统中，包括来自客户的堆栈保存单元（SKU）级数据，并将电子收据数据与交易数据进行比较。 系统基于SKU级数据识别与一个或多个客户目标相关联的交易，并且计算每个所识别的交易的第一消费量。

公开(公告)号：US20150032538A1

公开(公告)日：2015-01-29

申请号：US13953229

申请日：2013-07-29

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/02

CPC classification number: G06Q30/0255

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing offers based on electronic receipt data. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, where the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format; convert the purchase transaction data from the unstructured format to a structured format; associate the structured purchase transaction data with the customer's online banking application; identify an offer associated with one or more products purchased by the customer; and provide the customer the offer based at least partially on the customers purchase transaction data.

Abstract translation: 本发明的实施例涉及用于基于电子收据数据提供报价的系统，方法和计算机程序产品。 示例性装置被配置为识别与商家和客户之间的关于交易的所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; 接收所识别的购买交易数据，其中以非结构化格式接收所述购买交易数据; 将购买交易数据从非结构化格式转换为结构化格式; 将结构化采购交易数据与客户的网上银行应用相关联; 识别与客户购买的一种或多种产品相关的报价; 并至少部分地根据客户购买交易数据向客户提供报价。

公开(公告)号：US20150032537A1

公开(公告)日：2015-01-29

申请号：US13952380

申请日：2013-07-26

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: G06Q30/0255 ,  G06Q30/0267

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for analyzing e-receipt data for loyalty card usage. 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, wherein the information includes a payment type; analyze the payment type, wherein analyzing the payment type comprises determining if the payment type is associated with a loyalty card; and transmit, in response to determining the payment type is associated with a loyalty card, an offer to a second apparatus.

Abstract translation: 本发明的实施例涉及用于分析会员卡使用的电子收据数据的装置，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并且被配置为：接收与购买相关联的信息的模块，其中所述信息包括支付类型; 分析支付类型，其中分析支付类型包括确定支付类型是否与忠诚卡相关联; 并且响应于确定支付类型与忠诚卡相关联，向第二装置发送提议。

公开(公告)号：US20150032526A1

公开(公告)日：2015-01-29

申请号：US13953223

申请日：2013-07-29

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/06 ,  G06Q30/02

CPC classification number: G06Q30/0631 ,  G06Q30/0215 ,  G06Q30/0224 ,  G06Q30/0623 ,  G06Q30/0629

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing product evaluation. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer, the purchase transaction data includes product level data from a transaction, receive the identified purchase transaction data, the purchase transaction data is received in an unstructured format, convert the purchase transaction data from the unstructured format to a structured format, associate the structured purchase transaction data with the customer's online banking application, aggregate purchase transaction data related to one or more products purchased by the customer, determine one or more products are purchased on a recurring basis, and provide the customer with one or more options based at least partially on determining the one or more products are purchased on a recurring basis.

Abstract translation: 本发明的实施例涉及用于提供产品评估的系统，方法和计算机程序产品。 示例性装置被配置为识别与商家和客户之间的所识别的电子通信相关联的购买交易数据，所述购买交易数据包括来自交易的产品级数据，接收所识别的购买交易数据，所述购买交易数据在非结构化 将购买交易数据从非结构化格式转换为结构化格式，将结构化采购交易数据与客户的在线银行应用相关联，与客户购买的一个或多个产品相关的总体购买交易数据，确定一个或多个产品是 至少部分地基于确定一个或多个产品是经常性购买的，为客户提供一个或多个选项。

公开(公告)号：US20150032525A1

公开(公告)日：2015-01-29

申请号：US13952912

申请日：2013-07-29

Applicant: Bank of America Corporation

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

IPC: G06Q30/02

CPC classification number: G06Q30/0226 ,  G06Q30/0224

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for using transaction history to incentivize the use of a financial institution bank card. In some embodiments, an apparatus is configured to receive an information associated with a transaction history from a structured database associated with a customer's financial institution account, wherein the information is a recurring periodic payment; identify a first payment type associated with the information received, wherein the first payment type is not associated with the financial institution; and provide an incentive to the customer to use a second payment type instead of the first payment type, wherein the second payment type is associated with the financial institution.

Abstract translation: 本发明的实施例涉及使用交易历史来激励金融机构银行卡的使用的装置，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与交易历史相关联的信息，其中所述信息是定期周期性支付; 识别与所接收的信息相关联的第一支付类型，其中所述第一支付类型不与所述金融机构相关联; 并且向所述客户提供使用第二支付类型而不是所述第一支付类型的激励，其中所述第二支付类型与所述金融机构相关联。

公开(公告)号：US20150032480A1

公开(公告)日：2015-01-29

申请号：US13952303

申请日：2013-07-26

Applicant: Bank of America Corporation

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

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Embodiments for determining insurance valuations are included in systems that receive e-receipt data, including stock keeping unit (SKU) level data from a customer and compare the e-receipt data with transaction data. The systems match the e-receipt data to one or more transactions based on the comparison, identify at least one insurance related transaction from the one or more transactions based on the SKU level data, calculate the value of an insurance claim based on the at least one insurance related transaction.

Abstract translation: 用于确定保险估值的实施例包括在接收电子收据数据的系统中，包括来自客户的库存单位（SKU）级数据，并将电子收据数据与交易数据进行比较。 该系统基于比较将电子收据数据与一个或多个交易相匹配，基于SKU等级数据识别来自一个或多个交易的至少一个保险相关交易，基于至少基于SKU级数据计算保险索赔的价值 一个保险相关交易。

公开(公告)号：US20140108952A1

公开(公告)日：2014-04-17

申请号：US13652565

申请日：2012-10-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： 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: G06F3/01

CPC classification number: G06Q40/02

Abstract: In certain 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 service based at least in part upon the user. The processor is further operable to present information associated with a second, third and fourth service. Additionally, the processor may receive an update to the information associated with the first service and present, in the first region of the display, the update to the information associated with the first service. Finally, the processor is operable to detect a first touch on the first region of the display indicating a selection of the first service and present details associated with the first service in response to detecting the first touch.

Abstract translation: 在某些实施例中，装置包括存储器和处理器。 处理器可操作以至少部分地基于用户在显示器的第一区域中呈现与第一服务相关联的信息。 处理器还可操作以呈现与第二，第三和第四服务相关联的信息。 另外，处理器可以接收对与第一服务相关联的信息的更新，并且在显示器的第一区域中呈现对与第一服务相关联的信息的更新。 最后，处理器可操作以响应于检测到第一触摸而检测显示器的第一区域上的第一触摸，指示第一服务的选择以及与第一服务相关联的呈现细节。

公开(公告)号：US20130282283A1

公开(公告)日：2013-10-24

申请号：US13649376

申请日：2012-10-11

Applicant: BANK OF AMERICA CORPORATION

Inventor： Laura C. Bondesen ,  Alicia C. Jones ,  David C. McCoy ,  Shaun J. Abraham

IPC: G01C21/00 ,  G06F17/00

CPC classification number: H04W12/06 ,  H04L63/0884 ,  H04L67/12 ,  H04W4/046 ,  H04W4/21 ,  H04W4/80

Abstract: Various examples are disclosed of how to leverage technology in a vehicle to provide various services in a convenient manner. For example, the pairing of the portable device with the on-board computer of the vehicle may be utilized as a level of authorization to provide certain services in a more automated and/or convenient way to the vehicle driver or other occupant of the vehicle, such as by authenticating wireless transactions with entities external to the vehicle using device pairing technology, and by modifying vehicle navigation routes to include suggested nearby points of interest that may be determined to be of particular value to a vehicle occupant.

Abstract translation: 公开了如何利用车辆中的技术以便利的方式提供各种服务的各种示例。 例如，可以将便携式设备与车载车载计算机的配对用作授权级别，以更自动化和/或方便的方式向车辆驾驶员或其他乘客提供某些服务， 例如通过使用设备配对技术来认证与车辆外部的实体的无线交易，以及通过修改车辆导航路线以包括可被确定为对车辆乘客具有特别价值的建议的附近兴趣点。