公开(公告)号：US09374430B2

公开(公告)日：2016-06-21

申请号：US13866256

申请日：2013-04-19

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  Betzy Bosley Hepburn ,  Abby Elyse Smith

IPC: G06F15/16 ,  H04L29/08 ,  G06Q10/10 ,  G06Q50/00

CPC classification number: H04L67/22 ,  G06Q10/10 ,  G06Q50/01

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for social badging. An exemplary apparatus is configured to: receive information associated with a user's interaction with an entity; determine or receive a rating based on the interaction, wherein the rating indicates an environmental impact of the interaction; and broadcast the rating on a social network.

Abstract translation: 本发明的实施例涉及用于社会标记的系统，方法和计算机程序产品。 示例性设备被配置为：接收与用户与实体的交互相关联的信息; 基于交互来确定或接收评级，其中评级表示交互的环境影响; 并在社交网络上播放评分。

公开(公告)号：US20150088915A1

公开(公告)日：2015-03-26

申请号：US14032686

申请日：2013-09-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth S. Votaw ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Candice Michelle Jones ,  Charles Karim Aweida ,  Parker Holt Bossier ,  Rebecca A. Chen ,  Nandhita Kumar ,  Min Zhao

IPC: G06F17/30 ,  G06Q50/00

CPC classification number: G06Q40/12 ,  G06F3/0482 ,  G06F3/04842 ,  G06F17/30601 ,  G06F17/30867 ,  G06F17/3087 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q50/01

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities based on the location, social relationship, entity, category, or other activity information and display the activities and activity information in customized interfaces.

Abstract translation: 本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。 财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，联系人列表，日历等，并将活动信息和图像与活动相关联。 财务和社会管理系统可以从各种信息来源确定位置，社会关系，实体，类别等，并且使用位置标签，社会关系标签，实体标签，类别标签等标记活动。 标签允许用户根据位置，社会关系，实体，类别或其他活动信息轻松过滤活动，并在定制界面中显示活动和活动信息。

公开(公告)号：US20150088714A1

公开(公告)日：2015-03-26

申请号：US14032602

申请日：2013-09-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth S. Votaw ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Candice Michelle Jones ,  Charles Karim Aweida ,  Parker Holt Bossier ,  Rebecca A. Chen ,  Nandhita Kumar ,  Min Zhao

IPC: G06Q50/00

CPC classification number: G06Q50/01 ,  G06Q40/02

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may parse activity information from the e-receipts and associate the activity information from the e-receipts with the corresponding activities. The financial and social management system may be able to identify activity information in the e-receipts related to the products and costs within the transaction, a time associated with the transaction, as well as the actual location associated with the transaction, or other activity information described herein.

Abstract translation: 本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。 财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，位置确定设备等，并且将活动信息和图像与活动相关联。 财务和社会管理系统可以从电子收据中解析活动信息，并将电子收据中的活动信息与相应的活动相关联。 财务和社会管理系统可能能够识别与交易内的产品和成本有关的电子收据中的活动信息，与交易相关联的时间以及与交易相关联的实际位置或其他活动信息 在此描述。

公开(公告)号：US20150088712A1

公开(公告)日：2015-03-26

申请号：US14032537

申请日：2013-09-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth S. Votaw ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Candice Michelle Jones ,  Charles Karim Aweida ,  Parker Holt Bossier ,  Rebecca A. Chen ,  Nandhita Kumar ,  Min Zhao

IPC: G06Q50/00 ,  G06K9/64 ,  G06F17/30 ,  G06Q40/00

CPC classification number: G06Q50/01 ,  G06F17/30247 ,  G06Q40/00

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, stored database images, images over the Internet, and the like, and associates the activity information and images with the activities. The financial and social management system may determine images for other users associated with an activity of a first user by identifying tag users in a social networking account of the first user or contacts in a social networking account of the first user that participated in activities at the same time or locations as the activities of the first user.

Abstract translation: 本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。 财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，联系人列表，存储的数据库图像，因特网上的图像等，并且将活动 信息和图像与活动。 财务和社会管理系统可以通过识别第一用户的社交网络帐户中的标签用户或参与在第一用户的活动的第一用户的社交网络帐户中的联系来确定与第一用户的活动相关联的其他用户的图像 与第一个用户的活动相同的时间或位置。

公开(公告)号：US20150066722A1

公开(公告)日：2015-03-05

申请号：US14537492

申请日：2014-11-10

Applicant: Bank of America Corporation

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

IPC: G06Q40/00

CPC classification number: G06Q40/10 ,  G06Q20/3223 ,  G06Q40/02

Abstract: According to an embodiment, a contribution for a goal is managed. A monetary target associated with a goal is determined. A current savings level toward the monetary target is determined. A rule associated with a maximum contribution amount toward the monetary target is accessed. An amount for a contribution is calculated according to the monetary target, the current savings level, and the rule. The amount calculated for the contribution is transferred to an account associated with the goal.

Abstract translation: 根据实施例，管理对目标的贡献。 确定与目标相关联的货币目标。 确定货币目标的当前储蓄水平。 访问与货币目标的最大贡献金额相关联的规则。 根据货币目标，当前储蓄水平和规则计算缴款金额。 为捐款计算的金额转入与目标相关的帐户。

公开(公告)号：US20150052035A1

公开(公告)日：2015-02-19

申请号：US13967930

申请日：2013-08-15

Applicant: Bank of America Corporation

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

IPC: G06Q40/02

CPC classification number: G06Q40/02

Abstract: Apparatus, methods, and computer program products are described providing, within a personal finance management application (e.g., online banking, mobile banking or the like), customer-based transaction filtering for shared financial accounts (i.e., joint account or accounts otherwise held by more than one individual/customer). The filtering is configured to present holders of the shared accounts views (e.g., windows, sortable lists or the like) of which transactions, and in some embodiments which items in those transactions, were conducted by which holders of the account.

Abstract translation: 描述了设备，方法和计算机程序产品，其在个人财务管理应用（例如，网上银行，移动银行等）内提供用于共享财务账户的基于客户的交易过滤（即，由 多个个人/客户）。 过滤被配置为呈现其中哪些交易的共享帐户视图（例如，窗口，可排序列表等）的持有者，并且在一些实施例中，这些交易中的哪些项目由账户的哪个持有人进行。

公开(公告)号：US08942684B2

公开(公告)日：2015-01-27

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: H04W4/16 ,  H04M3/58

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：US20150026057A1

公开(公告)日：2015-01-22

申请号：US13946581

申请日：2013-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Dipika Jain ,  William Kelley ,  Chris Purvis ,  Michael E. Toth

IPC: G06Q20/32

CPC classification number: G06Q20/3223 ,  G06Q40/02

Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) initiate, via a mobile device, a transaction request for a mobile banking transaction; (b) store the transaction request for the mobile banking transaction in a queue for mobile banking transaction requests; (c) retrieve from the queue, using a computing device, the transaction request for the mobile banking transaction, wherein the computing device is different from the mobile device; and (d) complete, using the computing device, the transaction request for the mobile banking transaction.

Abstract translation: 本发明的实施例涉及用于在可信位置完成移动银行交易的系统，计算机实现的方法和计算机程序产品。 在一些实施例中，系统被配置为：（a）经由移动设备发起移动银行交易的交易请求; （b）将移动银行交易的交易请求存储在移动银行交易请求的队列中; （c）使用计算设备从所述队列中检索所述移动银行交易的交易请求，其中所述计算设备与所述移动设备不同; 和（d）使用计算设备完成移动银行交易的交易请求。

公开(公告)号：US20150026053A1

公开(公告)日：2015-01-22

申请号：US13946304

申请日：2013-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  William E. Kelley ,  Chris Purvis ,  Dipika Jain ,  Michael E. Toth

IPC: G06Q20/10

CPC classification number: G06Q20/108 ,  G06Q20/3221

Abstract: Disclosed is a system and associated method for providing alerts regarding a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account. In addition, the module is typically configured for subsequently determining whether a computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and transmitting a notification that the computing device has engaged in the predefined online banking transaction to the mobile device based on determining that (i) the computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and (ii) the mobile device is associated with the customer's online banking account.

Abstract translation: 公开了一种用于提供关于客户的在线银行账户的警报的系统和相关联的方法。 该系统通常包括存储在存储器中的处理器，存储器和网上银行模块。 该模块通常被配置为初始地将移动设备与客户的在线银行账户相关联。 此外，模块通常被配置用于随后确定计算设备是否已经参与与客户的在线银行帐户相关联的预定义的在线银行交易，并且将计算设备已经参与预定义的在线银行交易的通知发送到移动设备 基于确定（i）计算设备已经参与与客户的在线银行帐户相关联的预定义的在线银行交易，以及（ii）移动设备与客户的在线银行帐户相关联。

公开(公告)号：US08866877B2

公开(公告)日：2014-10-21

申请号：US13651970

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 ,  Lynn Streja ,  Cameron Jungeun Park-Hur ,  James Robert Grimsley

IPC: H04N7/14

CPC classification number: H04N7/141

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for split-screen functionality to be provided to a user device during a hold period prior to a customer-service video conference. Specifically, according to defined embodiments, the present invention provides for a first portion of split-screen includes a visual depiction of a queue of users currently awaiting a video conference with the customer-service associate. The queue allows for the user/customer to gauge how long the hold period will last. In addition to the visual depiction of the hold queue, the split screen may provide for other portions of the screen to include other information and/or functionality such as, such as information related or unrelated to the impending video conference.

Abstract translation: 本发明的实施例涉及用于在客户服务视频会议之前的保持期间提供给用户设备的分屏功能的系统，方法和计算机程序产品。 具体地，根据所定义的实施例，本发明提供了分屏的第一部分，其包括目前等待与顾客服务关联者的视频会议的用户队列的视觉描述。 队列允许用户/客户衡量持续时间将持续多长时间。 除了保持队列的可视描述之外，分屏可以提供屏幕的其他部分以包括诸如与即将进行的视频会议相关或不相关的信息的其他信息和/或功能。