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    SYSTEM FOR RESTRUCTURING BASED ON PREDICTIVE ANALYSIS
    1.
    发明申请
    SYSTEM FOR RESTRUCTURING BASED ON PREDICTIVE ANALYSIS 审中-公开
    基于预测分析的结构系统

    公开(公告)号：US20170076378A1

    公开(公告)日：2017-03-16

    申请号：US14851750

    申请日：2015-09-11

    申请人： BANK OF AMERICA CORPORATION

    发明人： Katherine Dintenfass ,  Alexander C. Wittkowski ,  Cameron Darnell Wadley ,  Alicia C. Jones-McFadden ,  Angela Fritz Thompson ,  Damon C. Missouri

    IPC分类号： G06Q40/06

    CPC分类号： G06Q40/06

    摘要： Disclosed herein are systems, methods, and computer program products that predict the occurrence of a life event, such as a marriage, for a first customer, provide a plurality of account management models that the first customer may select from to restructure the assets and accounts of the first customer (and possibly a second customer also involved in the predicted life event) based on the new goals, requirements, and tax implications of the predicted life event. The systems, methods, and computer program products provided herein simplify the process of combining at least some assets and accounts of two customers, or at least restructuring the assets and accounts, to prepare the two customers for collaborative financial planning.

    摘要翻译： 这里公开的是系统，方法和计算机程序产品，其预测第一客户的生命事件（例如婚姻）的发生，提供第一客户可以选择的多个帐户管理模型以重组资产和帐户 根据预测的生活事件的新目标，要求和税收影响，第一个客户（也可能是第二个客户也参与预测的生活事件）。 本文提供的系统，方法和计算机程序产品简化了两个客户的至少一些资产和账户的组合过程，或者至少重组资产和账户，以便为两个客户进行合作财务计划做准备。

    Apparatus and method for management of electronic notices
    2.
    发明授权
    Apparatus and method for management of electronic notices 有权
    电子通知管理装置及方法

    公开(公告)号：US09082150B2

    公开(公告)日：2015-07-14

    申请号：US13652565

    申请日：2012-10-16

    申请人： Bank of America Corporation

    发明人： Carrie A. Hanson ,  Laura C. Bondesen ,  Nicole Chen ,  Katherine Dintenfass ,  Scott R. Enscoe ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

    IPC分类号： G06F3/00 ,  G06Q40/02

    CPC分类号： G06Q40/02

    摘要： In certain embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first service based at least in part upon the user. The processor is further operable to present information associated with a second, third and fourth service. Additionally, the processor may receive an update to the information associated with the first service and present, in the first region of the display, the update to the information associated with the first service. Finally, the processor is operable to detect a first touch on the first region of the display indicating a selection of the first service and present details associated with the first service in response to detecting the first touch.

    摘要翻译： 在某些实施例中，装置包括存储器和处理器。 处理器可操作以至少部分地基于用户在显示器的第一区域中呈现与第一服务相关联的信息。 处理器还可操作以呈现与第二，第三和第四服务相关联的信息。 另外，处理器可以接收对与第一服务相关联的信息的更新，并且在显示器的第一区域中呈现对与第一服务相关联的信息的更新。 最后，处理器可操作以响应于检测到第一触摸而检测显示器的第一区域上的第一触摸，指示第一服务的选择以及与第一服务相关联的呈现细节。

    SYSTEM FOR ANALYZING PRE-EVENT AND POST-EVENT INDIVIDUAL ACCOUNTS AND TRANSFORMING THE ACCOUNTS
    4.
    发明申请
    SYSTEM FOR ANALYZING PRE-EVENT AND POST-EVENT INDIVIDUAL ACCOUNTS AND TRANSFORMING THE ACCOUNTS 审中-公开
    分析事件和事件个人账户和转换账户的制度

    公开(公告)号：US20170076379A1

    公开(公告)日：2017-03-16

    申请号：US14851765

    申请日：2015-09-11

    申请人： BANK OF AMERICA CORPORATION

    发明人： Cameron Darnell Wadley ,  Katherine Dintenfass ,  Angela Fritz Thompson ,  Damon C. Missouri ,  Alexander C. Wittkowski ,  Alicia C. Jones-McFadden

    IPC分类号： G06Q40/06 ,  G06Q50/00

    CPC分类号： G06Q40/06 ,  G06Q50/01

    摘要： Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.

    摘要翻译： 本文描述了系统，计算机程序产品和方法，用于分析用户的财务帐户，提供建议的财务动作，并且基于用户的生活事件转换用户的财务账户或交易来自动采取财务动作。 通常，生活事件可能是婚姻或离婚。 生活事件的发生可以由用户进行的交易，用户做出的社交网络发布，用户输入的应用等进行确定。 确定生命事件发生后，分析与生活事件相关联的用户的财务状况，并确定财务行为。 向用户提供财务分析和一个或多个拟议财务举措。 用户选择要执行的一个或多个财务动作，并且自动启动所提出的财务动作。

    Apparatus and Method for Management of Electronic Notices
    7.
    发明申请
    Apparatus and Method for Management of Electronic Notices 有权
    电子通告管理的设备和方法

    公开(公告)号：US20140108952A1

    公开(公告)日：2014-04-17

    申请号：US13652565

    申请日：2012-10-16

    申请人： BANK OF AMERICA CORPORATION

    发明人： Carrie A. Hanson ,  Laura C. Bondesen ,  Nicole Chen ,  Katherine Dintenfass ,  Scott R. Enscoe ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

    IPC分类号： G06F3/01

    CPC分类号： G06Q40/02

    摘要： In certain embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first service based at least in part upon the user. The processor is further operable to present information associated with a second, third and fourth service. Additionally, the processor may receive an update to the information associated with the first service and present, in the first region of the display, the update to the information associated with the first service. Finally, the processor is operable to detect a first touch on the first region of the display indicating a selection of the first service and present details associated with the first service in response to detecting the first touch.

    摘要翻译： 在某些实施例中，装置包括存储器和处理器。 处理器可操作以至少部分地基于用户在显示器的第一区域中呈现与第一服务相关联的信息。 处理器还可操作以呈现与第二，第三和第四服务相关联的信息。 另外，处理器可以接收对与第一服务相关联的信息的更新，并且在显示器的第一区域中呈现对与第一服务相关联的信息的更新。 最后，处理器可操作以响应于检测到第一触摸而检测显示器的第一区域上的第一触摸，指示第一服务的选择以及与第一服务相关联的呈现细节。

    UNIVERSAL TOKENIZATION SYSTEM
    9.
    发明申请
    UNIVERSAL TOKENIZATION SYSTEM 审中-公开
    通用教育系统

    公开(公告)号：US20170076366A1

    公开(公告)日：2017-03-16

    申请号：US14851758

    申请日：2015-09-11

    申请人： BANK OF AMERICA CORPORATION

    发明人： Cameron Darnell Wadley ,  Katherine Dintenfass ,  Damon C. Missouri ,  Alexander C. Wittkowski ,  Alicia C. Jones-McFadden ,  Angela Fritz Thompson

    IPC分类号： G06Q40/02 ,  G06Q50/18

    CPC分类号： G06Q40/02 ,  G06Q50/18

    摘要： Disclosed are systems, computer program products, and computer implemented methods for providing a universal tokenization system for customers of an entity. Embodiments of the invention include associating account information of multiple accounts with tokens that may be used to conduct transactions with the associated accounts. Some embodiments of the invention involve establishing electronic communication links with and between customers of the entity and receiving a request from a first customer to combine a first token associated with the first customer with a different, second token associated with a second customer. Some embodiments include combining the account information of the first and second tokens into a third token that may be used by either or both of the first and second customers for conducting transactions or maintaining accounts. In some embodiments, the system includes a notary system for notarizing any documentation necessary for combining accounts of two or more individuals.

    摘要翻译： 公开了用于为实体的客户提供通用标记化系统的系统，计算机程序产品和计算机实现的方法。 本发明的实施例包括将多个帐户的帐户信息与可用于与相关帐户进行交易的令牌相关联。 本发明的一些实施例涉及与实体的客户之间建立电子通信链路，并且接收来自第一客户的请求，以将与第一客户相关联的第一令牌与与第二客户相关联的不同的第二令牌组合。 一些实施例包括将第一和第二令牌的帐户信息组合成第三令牌，第三令牌可由第一和第二客户之一或两者用于进行交易或维护帐户。 在一些实施例中，系统包括公证系统，用于公证组合两个或更多个人的帐户所需的任何文件。

    Apparatus and Method for Managing Electronic Transactions
    10.
    发明申请
    Apparatus and Method for Managing Electronic Transactions 有权
    电子交易管理的设备与方法

    公开(公告)号：US20140106717A1

    公开(公告)日：2014-04-17

    申请号：US13652611

    申请日：2012-10-16

    申请人： BANK OF AMERICA CORPORATION

    发明人： Carrie A. Hanson ,  Laura C. Bondesen ,  Nicole Chen ,  Katherine Dintenfass ,  Scott R. Enscoe ,  Leo Kopelow ,  Yameng Li ,  Brett Newman ,  Nicholas Sharp ,  Marc L. Warshawsky ,  Alexander C. Wittkowski ,  Jon R. Wolf

    IPC分类号： H04M3/42 ,  H04M1/00

    CPC分类号： G06Q40/02

    摘要： In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a plurality of transactions and present, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review. The processor is further operable to present, in a third region of the display, a second option and present, in a fourth region of the display, a notification indicating a second transaction of the plurality of transactions. Additionally, the processor is operable to detect a touch on the display indicating the selection of the second transaction and present, in the first region of the display, information associated with the second.

    摘要翻译： 在一些实施例中，装置包括存储器和处理器。 处理器可操作以在显示器的第一区域中呈现与多个事务的第一事务相关联的信息，并且在显示器的第二区域中呈现第一选项，第一选项指示当被选择时， 用户已经标记了第一笔交易以供进一步审查。 处理器还可操作以在显示器的第三区域中呈现第二选项，并且在显示器的第四区域中呈现指示多个交易的第二交易的通知。 另外，处理器可操作以检测显示器上的触摸，指示第二事务的选择，并且在显示器的第一区域中显示与第二事务相关联的信息。