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    Systems and methods for managing financial payments between parties
    71.
    发明授权
    Systems and methods for managing financial payments between parties 有权

    公开(公告)号：US10600039B2

    公开(公告)日：2020-03-24

    申请号：US14717875

    申请日：2015-05-20

    Applicant: MasterCard International Incorporated ,  Bank of America Corporation

    Inventor： David C. Brown ,  Adam K. Hosp ,  Victor Lopes ,  Peter John Bertanzetti ,  David M. Grigg

    IPC: G06Q20/10 ,  G06Q20/38 ,  G06Q40/00

    Abstract: A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.

    Payment authorization prompting categorization
    73.
    发明授权
    Payment authorization prompting categorization 有权

    公开(公告)号：US09767503B2

    公开(公告)日：2017-09-19

    申请号：US13690713

    申请日：2012-11-30

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Matthew A. Calman ,  Elizabeth S. Votaw

    IPC: G06Q30/06 ,  G06Q30/02

    CPC classification number: G06Q30/0631 ,  G06Q30/0261

    Abstract: Systems, methods, and computer program products are provided for prompting categorization during payment authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor receive an authorization request for a transaction being conducted by a user; prompt the user to categorize at least one component of the transaction; receive a category from the user for the at least one component of the transaction; and store the category in association with the transaction. In some embodiments, the system will not authorize the transaction until the user categorizes at least one component of the transaction. In further embodiments, the system evaluates the transaction and only prompts the user to categorize the transaction if predefined criteria are met.

    Providing e-receipts to customers
    74.
    发明授权
    Providing e-receipts to customers 有权

    公开(公告)号：US09619843B2

    公开(公告)日：2017-04-11

    申请号：US15041988

    申请日：2016-02-11

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Neil Johansen ,  Farhan Ahmed Siddiqi ,  David Reed Godsman ,  David M. Grigg

    IPC: G06K15/00 ,  G06Q40/00 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q40/02 ,  G06Q20/20

    CPC classification number: G06Q40/12 ,  G06Q20/202 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q40/02

    Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.

    SYSTEM FOR FACILITATING APPOINTMENT CALENDARING BASED ON PERCEIVED CUSTOMER REQUIREMENTS
    75.
    发明申请
    SYSTEM FOR FACILITATING APPOINTMENT CALENDARING BASED ON PERCEIVED CUSTOMER REQUIREMENTS 审中-公开
    根据客户要求进行任命预约的制度

    公开(公告)号：US20170011350A1

    公开(公告)日：2017-01-12

    申请号：US14797001

    申请日：2015-07-10

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Alicia C. Jones-McFadden ,  Matthew Hsieh ,  Jade Michelle Le Vo-Dinh ,  David M. Grigg ,  Carrie Anne Hanson ,  Peter John Bertanzetti

    IPC: G06Q10/10 ,  H04B1/3827 ,  H04L29/08

    CPC classification number: G06Q10/1095 ,  G06Q10/1093 ,  H04L67/10 ,  H04L67/306

    Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user's financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user's requirements.

    Abstract translation: 本发明的实施例包括用于基于感知的用户需求来调度和影响预约日历的系统，方法和计算机程序产品。 因此，本发明基于用户的财务信息，交易历史，导航历史等的自动和实时分析来提供智能预约日历。 系统然后识别一个或多个相关专家并安排一个或多个约会。 根据用户信息分析识别的需要，本发明可以为用户创建一个约会包。 因此，系统可以根据用户的需求安排与一位或多位专家的约会。

    MODIFYING AN ESTIMATED FINANCIAL PLAN
    77.
    发明申请
    MODIFYING AN ESTIMATED FINANCIAL PLAN 审中-公开
    修改估计的财务计划

    公开(公告)号：US20160350860A1

    公开(公告)日：2016-12-01

    申请号：US14723362

    申请日：2015-05-27

    Applicant: Bank of America Corporation

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

    IPC: G06Q40/06

    CPC classification number: G06Q40/06

    Abstract: Embodiments of the invention are directed to systems, computer program products, and methods for modifying an estimated financial plan based on customer input. Embodiments access an estimated retirement plan comprising an estimated retirement date and an estimated retirement dollar amount; determine an estimated retirement plan confidence score; identify one or more external customer accounts; access one or more internal customer accounts; determine, based at least in part on the one or more external customer accounts and the one or more internal customer accounts, at least one likely customer account; present an inquiry to the customer requesting confirmation that the customer owns an additional customer account corresponding to the at least one likely customer account; and receive confirmation from the customer that the customer owns an additional customer account corresponding to the at least one likely customer account.

    Abstract translation: 本发明的实施例涉及系统，计算机程序产品和用于基于客户输入来修改估计的财务计划的方法。 实施方案进入包括估计退休日期和估计退休金额的估计退休计划; 确定估计退休计划的置信度; 识别一个或多个外部客户帐户; 访问一个或多个内部客户帐户; 至少部分地基于所述一个或多个外部客户帐户和所述一个或多个内部客户帐户确定至少一个可能的客户账户; 向客户发出询问，要求确认客户拥有对应于该至少一个可能的客户帐户的附加客户帐户; 并且从客户那里接收到客户拥有对应于该至少一个可能的客户帐户的附加客户帐户的确认。

    GENERATING A ONE-CLICK FINANCIAL PLAN
    78.
    发明申请
    GENERATING A ONE-CLICK FINANCIAL PLAN 审中-公开
    生成一键式财务计划

    公开(公告)号：US20160350859A1

    公开(公告)日：2016-12-01

    申请号：US14723340

    申请日：2015-05-27

    Applicant: Bank of America Corporation

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

    IPC: G06Q40/06

    CPC classification number: G06Q40/06

    Abstract: Embodiments of the invention are directed to systems, computer program products, and methods for generating a one-click financial plan for a customer of a financial institution. Embodiments determine a set of outflow data comprising data corresponding to debits originating from accounts owned by the customer; determine a set of inflow data comprising data corresponding to credits applied to accounts owned by the customer; determine a set of customer information comprising a customer age; based on some of the plurality of debits, identify external customer accounts; based on the identified external customer accounts, determine characteristics associated with each of the external customer accounts; calculate, based on the customer age, the set of inflow data and the set of outflow data, an estimated retirement plan comprising an estimated retirement date and an estimated retirement dollar amount; and present retirement information based on the estimated retirement plan to the customer.

    Abstract translation: 本发明的实施例涉及用于为金融机构的客户生成一键式财务计划的系统，计算机程序产品和方法。 实施例确定一组流出数据，其包括对应于源自客户拥有的账户的借方的数据; 确定一组流入数据，其中包括对应于应用于客户拥有的账户的信用的数据; 确定包括客户年龄的一组客户信息; 基于多个借记中的一些，识别外部客户帐户; 基于所识别的外部客户帐户，确定与每个外部客户帐户相关联的特征; 根据客户年龄，计算流入数据集和流出数据集，计算退休计划，包括估计退休日期和估计退休金额; 并根据客户的预计退休计划提供退休信息。

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