公开(公告)号：US20140279005A1

公开(公告)日：2014-09-18

申请号：US13827664

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Susan Smith Thomas ,  Laura Corinne Bondesen ,  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 presenting an offer to a consumer based on account balance information and consumer location information. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with the mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine whether the balance value of the credit account has an existing balance value greater than zero; and (d) present, via the mobile computing device of the consumer, the offer to the consumer based at least in part on determining that the geographic location of the mobile device of the consumer is proximate to or coincident with a location of the merchant and determining that the existing balance value of the credit account associated with the merchant is greater than zero.

Abstract translation: 本发明的实施例涉及用于基于帐户余额信息和消费者位置信息向消费者呈现提供的系统，方法和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收与消费者的移动计算设备相关联的地理位置信息; （b）接收与消费者的信用账户有关的信息，其中消费者是信用账户的持有人; （c）确定信用账户的余额值是否具有大于零的现有余额值; 以及（d）至少部分地基于确定消费者的移动设备的地理位置与商家的位置接近或一致地经由消费者的移动计算设备呈现给消费者的提议，以及 确定与商家相关联的信用账户的现有余额值大于零。

公开(公告)号：US20140278999A1

公开(公告)日：2014-09-18

申请号：US13829571

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q30/02

CPC classification number: G06Q30/0259

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing offers to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network; and present the offer based on the determination.

Abstract translation: 本发明的实施例涉及用于向与联合零售商网络相关联的一个或多个客户提供优惠的系统，方法和计算机程序产品。 实施例确定与联合零售商网络相关联的一个或多个客户靠近与作为联合零售商网络的零售商的零售商相关联的零售商物理位置; 并向零售商附近的一个或多个联合网络客户提出报价。 在一些实施例中，确定包括识别移动设备与作为联合零售商网络的成员的至少一个零售商的客户相关联。 一些实施例确定位于该位置附近的客户不是与该位置相关联的零售商的客户，并且是与网络相关联的顾客; 并根据决定提出要约。

公开(公告)号：US20140278989A1

公开(公告)日：2014-09-18

申请号：US13828819

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg ,  Laura Corinne Bondesen ,  Susan Smith Thomas

IPC: G06Q30/02

CPC classification number: G06Q30/0215

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a prepaid account and a location of a consumer who is the holder of the prepaid account. In some embodiments, a method is provided that includes: (a) receiving geographic location information associated with a consumer; (b) receiving information associated with the prepaid account of the consumer, wherein the consumer is a holder of the prepaid account; (c) determining a balance value of the prepaid account of the consumer; and (d) determining an offer to present to the consumer based at least partially on the balance value of the prepaid account and the location of the consumer.

Abstract translation: 本发明的实施例涉及用于基于预付帐户的余额值和作为预付帐户持有者的消费者的位置来确定报价的系统，方法和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收与消费者相关联的地理位置信息; （b）接收与消费者的预付帐户相关联的信息，其中消费者是预付帐户的持有人; （c）确定消费者预付账款的余额; 和（d）至少部分地基于预付帐户的余额值和消费者的位置来确定向消费者呈现的要约。

公开(公告)号：US20140257914A1

公开(公告)日：2014-09-11

申请号：US13791441

申请日：2013-03-08

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q10/06

CPC classification number: G06Q10/0633

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing interaction efficiency information to a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information associated with the financial institution physical location; and provide the determined interaction efficiency information to the customer. The interaction efficiency information may include information related to one or more wait times at the financial institution physical location, where the one or more wait times include a wait time for a drive through station outside the financial institution physical location and a wait time for a teller inside the financial institution physical location. In some embodiments, the interaction efficiency information includes one or more visual representations of one or more wait lines associated with one or more stations of the financial institution physical location.

Abstract translation: 本发明的实施例涉及用于向客户提供交互效率信息的系统，方法和计算机程序产品。 实施例确定客户正在旅行到或者当前位于金融机构物理位置附近; 确定与金融机构物理位置相关联的交互效率信息; 并向客户提供确定的交互效率信息。 交互效率信息可以包括与金融机构物理位置处的一个或多个等待时间相关的信息，其中一个或多个等待时间包括用于在金融机构物理位置之外的车站的驱动器的等待时间和出纳机的等待时间 在金融机构内的物理位置。 在一些实施例中，交互效率信息包括与金融机构物理位置的一个或多个站相关联的一个或多个等待行的一个或多个视觉表示。

公开(公告)号：US20140244369A1

公开(公告)日：2014-08-28

申请号：US13780670

申请日：2013-02-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman

IPC: G06Q30/06 ,  G06Q50/00

CPC classification number: G06Q30/0633 ,  G06Q50/01

Abstract: Systems, methods, and computer program products provide for generating a social network-based wish list of products desired by members of the social network and which are authorized to be purchased by other members of the social network on behalf of the member requesting the product. The present invention provides for automatically notifying a member of the social network that they are currently located at physical location, such as a retail store or the like, that currently has available one or more of the products on the wish list. The notifications may take the form of alerts communicated on the member's mobile communication device. Automatic notification occurs via a mobile communication device that is capable of identifying current location, determining that the current location has products available, and determine that one or more of the products currently available at the location are currently listed on the wish list.

Abstract translation: 系统，方法和计算机程序产品提供用于生成基于社交网络的社交网络成员期望的并且被授权由社交网络的其他成员代表请求产品的成员购买的产品的基于社交网络的愿望清单。 本发明提供了自动通知社交网络中他们当前位于愿望清单上当前具有一个或多个产品的物理位置（例如零售商店等）的成员。 通知可以采用在该成员的移动通信设备上传送的警报的形式。 通过能够识别当前位置的移动通信设备进行自动通知，确定当前位置具有可用的产品，并确定当前在该位置可用的一个或多个产品当前列在愿望列表中。

公开(公告)号：US20140172559A1

公开(公告)日：2014-06-19

申请号：US13713585

申请日：2012-12-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Carrie Anne Hanson ,  David M. Grigg ,  Susan Smith Thomas ,  Peter John Bertanzetti ,  Elizabeth S. Votaw

IPC: G06Q40/00

CPC classification number: G06Q30/0261 ,  G06Q20/3224

Abstract: Systems, methods, and computer program products are provided for providing a notification to a consumer based on the location of the consumer. 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 cause the processor to receive a goal corresponding to a specific product a consumer desires to purchase; determine a location associated with a mobile device of the consumer; identify a merchant that is located at or near the location associated with the mobile device of the consumer; determine whether the merchant offers for sale the specific product associated with the goal; provide a notification to the mobile device associated with the consumer based at least in part on determining that the merchant offers for sale the product, the notification comprising information related to the user's progress towards the goal.

Abstract translation: 提供系统，方法和计算机程序产品，用于基于消费者的位置向消费者提供通知。 该系统包括包括处理器和存储器的计算机装置; 以及存储在存储器中的软件模块。 软件模块包括可执行指令，使得处理器接收与消费者想要购买的特定产品相对应的目标; 确定与消费者的移动设备相关联的位置; 识别位于与消费者的移动设备相关联的位置处或附近的商家; 确定商家是否提供出售与目标相关联的特定产品; 至少部分地基于确定商家提供销售产品来向与消费者相关联的移动设备提供通知，该通知包括与用户朝向目标的进展有关的信息。

公开(公告)号：US20140164224A1

公开(公告)日：2014-06-12

申请号：US13712520

申请日：2012-12-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Glenn Grossman ,  Carrie Anne Hanson

IPC: G06Q20/22

CPC classification number: G06Q40/02

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration away from first channel, such as banking centers and towards other transaction channels using banking representative-personalized recommendation alerts. In this regard the present invention serves to inform and encourage financial institution customers to use other more optimal financial institution channels for conducting transactions. Once recommendations for alternative transaction channels have been determined, alerts are generated and communicated within a selected time frame after the banking center transaction has been conducted. In addition to the recommendations, the alert is personalized by the banking center representative that assisted the customer, so as to further gain the attention of the customer. Moreover, the alerts may include further information to encourage the customer to use the recommendations, such as directions to the alternative financial institution channels, instructions for using the alternative channels and the like.

Abstract translation: 本发明的实施例涉及系统，方法和计算机程序产品，用于将金融机构信道从第一信道迁移（例如银行中心）转移到使用银行代表个性化推荐警报的其他交易信道。 在这方面，本发明用于通知和鼓励金融机构客户使用其他更优化的金融机构渠道进行交易。 一旦确定了替代交易渠道的建议，就会在银行中心交易进行后的选定时间内生成和传达警报。 除了建议之外，银行中心的代表还会通过协助客户进行个性化的提醒，从而进一步吸引客户的注意。 此外，警报可以包括进一步的信息，以鼓励客户使用建议，例如对替代金融机构渠道的指示，使用替代渠道的指示等。

公开(公告)号：US20140104366A1

公开(公告)日：2014-04-17

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。

公开(公告)号：US20140101060A1

公开(公告)日：2014-04-10

申请号：US13647024

申请日：2012-10-08

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Carrie A. Hanson ,  John M. Rees ,  Nancy G. Talarico

IPC: G06Q50/18

CPC classification number: G06Q50/18

Abstract: According to one embodiment, a memory may store information associated with an asset. A processor communicatively coupled to the memory may receive a request to transfer the asset upon the occurrence of an event. The processor may further determine at least one of an appropriate titling and an appropriate beneficiary designation of the asset based at least in part upon the asset and the event and apply at least one of the appropriate titling and the appropriate beneficiary designation to the asset.

Abstract translation: 根据一个实施例，存储器可以存储与资产相关联的信息。 通信地耦合到存储器的处理器可以在事件发生时接收到传送资产的请求。 处理器可以至少部分地基于资产和事件来​​进一步确定资产的适当的标题和适当的受益人指定中的至少一个，并将适当的标题和适当的受益人指定中的至少一个应用于该资产。

公开(公告)号：US08554647B1

公开(公告)日：2013-10-08

申请号：US13690697

申请日：2012-11-30

Applicant: Bank of America Corporation

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

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q30/0639

Abstract: Systems, methods, and computer program products are provided for providing suggested transaction categories based on location. 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 to determine a location of a user; access a database including a plurality of locations and associated transaction categories; determine at least one category associated with the location of the user using the database; and provide the at least one category to the user so that the user may categorize a transaction. In some embodiments, the system determines the category based on a combination of the location and a characteristic of the transaction or a previous input by the user. The system assists users in categorizing transactions so that the user is better able to track spending.

Abstract translation: 提供系统，方法和计算机程序产品，用于根据位置提供建议的交易类别。 该系统包括包括处理器和存储器的计算机装置; 以及存储在存储器中的软件模块。 软件模块包括当由处理器执行时使处理器确定用户的位置的可执行指令; 访问包括多个位置和相关联的交易类别的数据库; 使用数据库确定与用户的位置相关联的至少一个类别; 并向用户提供至少一个类别，使得用户可以对交易进行分类。 在一些实施例中，系统基于交易的位置和特征的组合或用户的先前输入的组合来确定类别。 该系统帮助用户对交易进行分类，以便用户更好地跟踪支出。