公开(公告)号：US20150088679A1

公开(公告)日：2015-03-26

申请号：US14033024

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: G06Q30/06 ,  G06Q50/00 ,  G06Q20/22

CPC classification number: G06Q30/0605 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/3224 ,  G06Q20/3276 ,  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, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system captures past and future activities based on a future location or future time period, and assembles the activities into packages. The proposed packages are supplemented with the images and the activity information related to past and future activities captured from the various sources of information, and the activities, activity information, and images are displayed in a package interface.

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，日历，联系人列表，位置确定设备等，并且将活动信息和图像相关联 与活动。 财务和社会管理系统根据未来位置或未来时间段捕获过去和未来的活动，并将活动组合成包。 所提出的包被补充有从各种信息来源捕获的过去和未来活动相关的图像和活动信息，并且活动，活动信息和图像显示在包接口中。

公开(公告)号：US20150066687A1

公开(公告)日：2015-03-05

申请号：US14535834

申请日：2014-11-07

Applicant: Bank of America Corporation

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

IPC: G06Q30/06

CPC classification number: G06Q30/0631 ,  G06Q40/00

Abstract: Embodiments related to tracking consumer consumption for purchased items are provided. In some embodiments, a system is provided that receives e-receipt data, including stack keeping unit (SKU) level data, from a customer and compares the e-receipt data with transaction data. The system identifies transactions associated with one or more customer goals based on the SKU level data and calculates a first quantity of consumption for each of the identified transactions.

Abstract translation: 提供了与追踪消费者购买物品相关的实施例。 在一些实施例中，提供从客户接收包括堆栈保持单元（SKU）级数据的电子收据数据并将电子收据数据与交易数据进行比较的系统。 该系统基于SKU级别数据识别与一个或多个客户目标相关联的交易，并计算每个所识别的交易的第一消费量。

公开(公告)号：US20150046304A1

公开(公告)日：2015-02-12

申请号：US13963507

申请日：2013-08-09

Applicant: Bank of America Corporation

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

IPC: G06Q40/00

CPC classification number: G06Q40/10 ,  G06Q40/00

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for analyzing transaction item-identifying data, such as e-receipts, for the purpose of identifying which transactions or items in a transaction qualify as charitable contributions and in some embodiments verifying or confirming that the transaction or items in the transaction are charitable contributions for the purpose of tax deductions. Additionally, the invention may determine the items and/or portion of the overall or item purchase amount that qualifies as a charitable contribution for tax deductions purposes. In addition, the invention provides for automatically communicating verified charitable contribution information to a third party or database that will insure that the charitable contribution receives consideration when the customer's income tax filings are prepared.

Abstract translation: 本发明的实施例涉及用于分析交易项目识别数据（诸如电子收据）的装置，方法和计算机程序产品，用于识别交易中的哪些交易或项目被认定为慈善捐赠，并且在一些实施例中验证 或确认交易中的交易或项目是为了扣税目的的慈善捐款。 此外，本发明可以确定合格为减税目的的慈善捐赠的整体或物品购买量的项目和/或部分。 此外，本发明还提供了将已验证的慈善捐款信息自动传达给第三方或数据库，以确保当客户的所得税申报准备时慈善捐款得到考虑。

公开(公告)号：US20150039502A1

公开(公告)日：2015-02-05

申请号：US13958786

申请日：2013-08-05

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q20/12 ,  G06Q10/08

CPC classification number: G06Q20/12 ,  G06Q10/0838

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to provide misappropriation protection based on address and/or merchant store information associated with the e-receipt or other e-communication. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine address information or merchant store information from the electronic communication; and determine whether or not the address information or merchant store information triggers a notification or an alert to the customer based at least partially on one or more rules relating to a misappropriation of customer account information.

Abstract translation: 本发明的实施例涉及一种系统，方法或计算机程序产品，用于在商家和客户之间利用电子收据数据和其他电子通信数据，关于交易来提供基于与...相关联的地址和/或商店存储信息的盗用保护 电子收据或其他电子通信。 在一个实施例中，系统被配置为：识别和检索商家和与交易相关联的客户之间的电子通信; 从电子通信确定地址信息或商店商店信息; 并且至少部分地基于关于盗用客户帐户信息的一个或多个规则来确定地址信息或商店存储信息是否触发对客户的通知或警报。

公开(公告)号：US20150026351A1

公开(公告)日：2015-01-22

申请号：US13946425

申请日：2013-07-19

Applicant: Bank of America Corporation

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

IPC: H04L29/06

CPC classification number: H04L65/1083

Abstract: Embodiments for transferring online account sessions are included in systems that enable a user to transfer control of an account session from a first mobile device to a second mobile device and determine whether or not the second mobile device has control of the account session based on transmission data received from the first mobile device or second mobile device. The systems receive transaction data, user input, or device tracking data from the first device or second device, and use the data to process online activities.

Abstract translation: 用于传送在线帐户会话的实施例包括在使得用户能够将帐户会话的控制从第一移动设备传送到第二移动设备的系统中，并且基于传输数据来确定第二移动设备是否具有对帐户会话的控制 从第一移动设备或第二移动设备接收。 系统从第一设备或第二设备接收交易数据，用户输入或设备跟踪数据，并使用数据来处理在线活动。

公开(公告)号：US20150026054A1

公开(公告)日：2015-01-22

申请号：US13946511

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: G06F21/62 ,  G06Q20/10

CPC classification number: G06F21/6245 ,  G06F2221/2141 ,  G06F2221/2149 ,  G06Q20/108 ,  G06Q20/3224

Abstract: Disclosed is a system and associated method for restricting access to a customer's online banking account based on customer-defined online-banking access restrictions. 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 receiving a restricted transaction definition from the mobile device, the restricted transaction definition defining a first restricted transaction associated with the customer's online banking account; searching a database of records to determine if the mobile device is associated with the customer's online banking account; and creating a restricted transaction record based on determining that the first mobile device is associated with the customer's online banking account, the restricted transaction record including the first restricted transaction definition.

Abstract translation: 公开了一种系统和相关方法，用于根据客户定义的网上银行访问限制来限制对客户的网上银行帐户的访问。 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。 另外，模块通常被配置为随后从移动设备接收限制的交易定义，该限制交易定义定义与客户的在线银行账户相关联的第一受限交易; 搜索记录数据库以确定移动设备是否与客户的在线银行帐户相关联; 以及基于确定所述第一移动设备与所述客户的在线银行帐户相关联来创建受限制的交易记录，所述受限交易记录包括所述第一受限交易定义。

公开(公告)号：US20150026026A1

公开(公告)日：2015-01-22

申请号：US13946658

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: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q20/108 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3224 ,  G06Q20/325 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q20/425 ,  G06Q30/00 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0633 ,  G06Q40/00

Abstract: Disclosed is a system and associated method for restricting access to 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 determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device.

Abstract translation: 公开了一种用于限制访问客户的在线银行账户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。 该模块通常被配置用于确定计算设备已经启动与客户的在线银行帐户相关联的第一网上银行交易。 如果第一网上银行交易是在第一受限制的交易定义内，并且如果计算设备未被注册到客户的在线银行帐户，则与计算设备相关联的地理位置信息和与登记有客户端的第一移动设备相关联的地理位置信息 收到帐号。 该模块确定计算设备的位置是否靠近预定义的位置和/或计算设备的位置是否接近第一移动设备的位置。

公开(公告)号：US20150026024A1

公开(公告)日：2015-01-22

申请号：US13946068

申请日：2013-07-19

Applicant: Bank of America Corporation

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

IPC: G06Q40/02

CPC classification number: G06Q40/02

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for determining and notifying a user, herein a financial institution customer, as to which account aggregators currently have been granted permission to access accounts held by the customer at the financial institution. In addition to notifying the customer of the current status of account aggregator access, the present invention provides the customer, through an online or mobile banking application or the like, a comprehensive tool for managing the access granted to all of the account aggregators that are determined to currently have permission to access the customer's accounts.

Abstract translation: 本发明的实施例涉及用于确定和通知用户（在此为金融机构客户）的装置，方法和计算机程序产品，关于当前已被授权访问由该客户在金融机构持有的帐户的帐户的哪些帐户聚合者。 除了向客户通知帐户聚合者访问的当前状态之外，本发明还通过在线或移动银行应用程序等向客户提供用于管理授予所有被确定的帐户聚合器的访问的综合工具 目前有权访问客户的帐户。

公开(公告)号：US20140279409A1

公开(公告)日：2014-09-18

申请号：US13803672

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q40/00

CPC classification number: G06Q40/00

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending a payment vehicle for a transaction, retroactively. In this way, the invention provides retroactive payment vehicle recommendation after the transaction has occurred based on criteria from customer inputs, customer in-flows, and customer out-flows. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. Subsequently the system may apply the transaction to the determined recommended payment vehicle. Then the temporary line of credit may be terminated.

Abstract translation: 本发明的实施例涉及一种系统，方法或计算机程序产品，用于追溯地推荐用于交易的支付车辆。 以这种方式，本发明根据客户输入，客户流入和客户流出的标准，在交易发生后提供追溯支付车辆推荐。 以这种方式，客户可以使用临时信用额度与商家完成交易。 随后，系统可以将交易应用于确定的推荐支付车辆。 那么临时信用额度可能会被终止。

公开(公告)号：US20140279270A1

公开(公告)日：2014-09-18

申请号：US13829551

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/06

CPC classification number: G06Q30/0635

Abstract: Embodiments of the invention relate to systems and methods that enable a user to pre-order products from an internal or external organization. The organization procures the products and/or completes the pre-order, such as completes a payment for the pre-order or finishes the pre-order, based on the location of the user, as determined through the user's mobile device. The order is only completed when the customer location is determined to be within a desired location of the collection point for the pre-order. Preparation of the products pre-ordered by the user commences upon the user location satisfying a predetermined criteria, such as the user being located an approximate distance from a particular location, the user having an approximate arrival time from a particular location, the user located within an electronic geographic fenced area around a particular location, or the user identified as moving with respect to a particular location.

Abstract translation: 本发明的实施例涉及使用户能够从内部或外部组织预订产品的系统和方法。 组织采购产品和/或完成预订，例如根据用户的移动设备确定的用户的位置完成预订的付款或完成预订。 只有当客户位置被确定为在预订的收集点的期望位置内时，订单才完成。 由用户预订的产品的准备开始于满足预定标准的用户位置，诸如用户位于与特定位置大致距离的位置，用户具有来自特定位置的近似到达时间，位于内部的用户 围绕特定位置的电子地理围栏区域，或被识别为相对于特定位置移动的用户。