公开(公告)号：US20140279713A1

公开(公告)日：2014-09-18

申请号：US13828155

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg ,  Scott Lee Harkey ,  Laura Corinne Bondesen

IPC: G06Q30/02

CPC classification number: G06Q20/3224 ,  G06Q20/127 ,  G07F17/0042 ,  G07F17/0057

Abstract: Systems, apparatus, methods and computer programs provide for self-service rental of rental items. The self-service aspect of the invention allows for renters to obtain the rental, leave the rental agency facility, return the rental item and pay for the rental without having to come into contact with anyone at the rental agency. The invention implements a renter's mobile device. In this regard, the mobile device receives information related to the rental item that the renter desires to rent and initiates the self-service process. The rental period is defined by the time at which the mobile device, equipped with location-determining mechanisms, departs a designated rental area and the time at which the mobile device returns to the same or another designated rental area. Once the rental period is known, the rental period payment amount can be determined based on a predetermined rental rate and payment provided.

Abstract translation: 系统，装置，方法和计算机程序提供租赁物品的自助租金。 本发明的自助服务方面允许租客获得租赁，离开租赁代理机构，退回租赁物品并支付租金，而不必与租赁代理处的任何人接触。 本发明实现了租用者的移动设备。 在这方面，移动设备接收租户想要出租的租赁项目的信息，并启动自助服务过程。 租赁期限由配备有位置确定机构的移动装置离开指定租赁区域以及移动装置返回到相同或另一指定出租区域的时间来定义。 一旦知道租赁期限，可以基于预定的租金率和所提供的付款来确定租赁期支付金额。

公开(公告)号：US20140279503A1

公开(公告)日：2014-09-18

申请号：US13801034

申请日：2013-03-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Peter John Bertanzetti ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  David M. Grigg

IPC: G06Q20/32

CPC classification number: G06Q20/3224 ,  G06Q20/3221

Abstract: Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether a geographic location associated with a transaction is geographically located within geo-thresholds associated with an authorized user and/or whether the geographic location associated with the transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If neither the geographic location associated with the transaction is geographically located within the geo-thresholds nor the geographic location associated with the transaction is geographically proximate to the geographic location associated with the mobile device, an alert is sent to the authorized user and/or to a merchant associated with the transaction.

Abstract translation: 本发明的实施例提供了用户位置验证的未经授权交易保护。 确定与交易相关联的地理位置是否在地理上位于与授权用户相关联的地理阈值内和/或与交易相关联的地理位置是否在地理上靠近与与移动设备相关联的移动设备相关联的地理位置 授权用户。 如果与交易相关联的地理位置都不在地理位置处于地理位置内，也不是与交易相关联的地理位置在地理上靠近与移动设备相关联的地理位置，则将警报发送到授权用户和/或 与交易相关联的商家。

公开(公告)号：US20140279008A1

公开(公告)日：2014-09-18

申请号：US13828849

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  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 providing an offer to a user based on linking a financial account to a merchant-specific account. In some embodiments, a method is provided that includes: (a) determining whether a user is a holder of an existing merchant-specific account; (b) prompting the user to link a debit account to the existing merchant-specific account based at least partially on determining that the user is the holder of the existing merchant-specific account; (c) receiving debit account information for linking the existing merchant-specific account to the debit account of the user; and (d) providing the offer to the user based on successfully linking the debit account to the merchant-specific account.

Abstract translation: 本发明的实施例涉及系统，方法和计算机程序产品，用于通过将财务帐户与特定于商户的帐户连接来向用户提供报价。 在一些实施例中，提供了一种方法，其包括：（a）确定用户是否是现有商户特定帐户的持有者; （b）至少部分地提示用户将借记帐户与现有的商户特定帐户相关联，至少部分地确定用户是现有商户特定帐户的持有人; （c）接收用于将现有的商户特定帐户与用户的借记帐户相关联的借记帐户信息; 以及（d）基于成功将借记帐户链接到商家特定帐户来向用户提供该提议。

公开(公告)号：US20140156536A1

公开(公告)日：2014-06-05

申请号：US13690091

申请日：2012-11-30

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/00

CPC classification number: G06Q20/3224 ,  G06Q20/3278 ,  G06Q30/016

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device.

Abstract translation: 本发明的实施例涉及用于在移动设备上执行交易的初步步骤的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：确定用户已经进入了设施，其中用户具有移动设备，并且其中用户正在等待与设施中或远离设施的代理中的至少一个进行交互，或者计算 设备设备; 与移动设备通信以确定用户访问设施的原因，其原因包括旨在由用户在设施处执行的交易; 将表单发送到用户的移动设备，该表单基于预期的交易，以及提示用户输入与预期交易相关联的信息的形式; 从用户的移动设备接收用户填写的表单。

公开(公告)号：US10268890B2

公开(公告)日：2019-04-23

申请号：US14981429

申请日：2015-12-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Erik Stephen Ross ,  Alfred Hamilton

IPC: G06Q30/00 ,  G06K9/00 ,  G06Q30/06 ,  H04W4/70 ,  G06Q10/00 ,  G06Q30/02 ,  G06Q20/32 ,  G06K9/62 ,  G06Q10/06 ,  G06Q20/12 ,  G06T19/00

Abstract: A system for accessing product information from embedded sensors via mobile device video analysis is disclosed. The system includes a processing device configured for analyzing a video stream of the surrounding environment captured on a mobile device. At least one product that has one or more embedded sensors associated therewith is identified within the surrounding environment. The system retrieves information associated with the one or more products from the one or more embedded sensors. Information retrieved, or information derived from the information retrieved, from the embedded sensors is presented to the user via a display of the video stream on the mobile device.

公开(公告)号：US09786018B2

公开(公告)日：2017-10-10

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 ,  G06Q40/00 ,  G06F17/30

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.

公开(公告)号：US09754320B2

公开(公告)日：2017-09-05

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: G06Q40/02 ,  H04N7/15 ,  H04N5/765

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.

公开(公告)号：US09639892B2

公开(公告)日：2017-05-02

申请号：US15056440

申请日：2016-02-29

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: G06Q40/00 ,  G06Q50/00 ,  G06Q40/02 ,  H04L12/26 ,  H04L29/08 ,  H04W64/00

CPC classification number: G06Q40/00 ,  G06Q40/02 ,  G06Q50/01 ,  H04L43/04 ,  H04L67/22 ,  H04L67/24 ,  H04L67/306 ,  H04W64/006

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 aggregates the activity information for a number of activities based on the location, user, entity, category, cost, time period, or the like and displays the aggregated activity information in an activity review interface. The financial and social management system may supplement the aggregated activity information with educational data.

公开(公告)号：US09519928B2

公开(公告)日：2016-12-13

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：US20160350868A1

公开(公告)日：2016-12-01

申请号：US15237528

申请日：2016-08-15

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: G06Q40/00 ,  G06F17/30

CPC classification number: G06Q40/12 ,  G06F17/30061 ,  G06F17/30601 ,  G06F17/30867 ,  G06F17/3087 ,  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, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may display the activities, activity information, and images in an interactive map using markers. The markers in the interactive may be displayed as a function of the time of the activity, include images, or transaction data related to the activity. Positioning information related to the location of the user at the time of the activities may also be overlaid on the interactive map.