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    USE OF AN E-RECEIPT TO VERIFY OWNERSHIP AND SERVICE OF A PRODUCT
    1.
    发明申请
    USE OF AN E-RECEIPT TO VERIFY OWNERSHIP AND SERVICE OF A PRODUCT 审中-公开
    使用电子收据来验证产品的所有权和服务

    公开(公告)号：US20150032642A1

    公开(公告)日：2015-01-29

    申请号：US13952029

    申请日：2013-07-26

    申请人： BANK OF AMERICA CORPORATION

    发明人： Jason P. Blackhurst ,  Matthew A. Calman ,  Katherine Dintenfass ,  Carrie A. Hanson ,  Laura C. Bondesen ,  Susan S. Thomas

    IPC分类号： G06Q10/00

    CPC分类号： G06Q10/20 ,  G06Q20/0453

    摘要： 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 verify ownership information and maintenance/service information of a product. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine ownership information and maintenance/service information of the product from the electronic communication; and generate a profile for the product based on the ownership information and maintenance and service information.

    摘要翻译： 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进行交易以验证产品的所有权信息和维护/服务信息。 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; 从电子通信中确定产品的所有权信息和维护/服务信息; 并基于所有权信息和维护和服务信息生成产品的配置文件。

    PERSONAL FINANCE MANAGEMENT SYSTEM BASED ON INTEGRATED ELECTRONIC RECEIPTS
    2.
    发明申请
    PERSONAL FINANCE MANAGEMENT SYSTEM BASED ON INTEGRATED ELECTRONIC RECEIPTS 审中-公开
    基于集成电子收款的个人财务管理系统

    公开(公告)号：US20150032616A1

    公开(公告)日：2015-01-29

    申请号：US13952210

    申请日：2013-07-26

    申请人： BANK OF AMERICA CORPORATION

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

    IPC分类号： G06Q40/02

    CPC分类号： G06Q40/02

    摘要： 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 augment data in online banking to create a personal finance management system. The personal finance management system providing a customer with a granular categorization of spending based on item level spend, wherein the finance management incorporates customer transactions completed with any payment means a customer may use (including cash transactions). The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into a customer's online banking. Utilizing the electronic communications and online banking data the invention builds a personal finance management interface that is based on the transaction level data from the e-receipts and the customer's online banking.

    摘要翻译： 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进行交易以增加网上银行中的数据以创建个人财务管理系统。 个人财务管理系统为客户提供了基于项目级支出的支出细粒度分类，其中财务管理将客户交易完成，客户可以使用客户可能使用的任何付款方式（包括现金交易）完成。 本发明识别和检索商家与与交易相关联的顾客（例如电子收据）之间的电子通信。 随后，本发明将电子收据数据整合到客户的在线银行业务中。 利用电子通信和网上银行数据，本发明构建了基于电子收据和客户网上银行业务级数据的个人理财管理界面。

    INTEGRATION OF PURCHASE TRANSACTION LEVEL DATA INTO CUSTOMER ONLINE BANKING
    3.
    发明申请
    INTEGRATION OF PURCHASE TRANSACTION LEVEL DATA INTO CUSTOMER ONLINE BANKING 审中-公开
    将采购交易水平数据整合到客户在线银行

    公开(公告)号：US20150032615A1

    公开(公告)日：2015-01-29

    申请号：US13952204

    申请日：2013-07-26

    申请人： BANK OF AMERICA CORPORATION

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

    IPC分类号： G06Q20/10

    CPC分类号： G06Q20/108 ,  G06Q40/02

    摘要： 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 augment data in a customer's online banking application. As such, present a customer with viewable purchase transaction data alongside online banking data, which allows a customer to view all customer transactions irrespective of payment means within a single online banking application. The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into the customer's online banking application for a holistic customer transaction view.

    摘要翻译： 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，以便在客户的在线银行应用中增加数据。 因此，向客户提供可见购买交易数据以及网上银行数据，这允许客户在单个网上银行应用程序中查看所有客户交易，而不管支付方式如何。 本发明识别和检索商家与与交易相关联的顾客（例如电子收据）之间的电子通信。 随后，本发明将电子收据数据整合到客户的网上银行应用中，以实现整体的客户交易视图。

    CREDIT SOURCE RECOMMENDATION BASED ON PRODUCT LEVEL DATA ANALYSIS
    4.
    发明申请
    CREDIT SOURCE RECOMMENDATION BASED ON PRODUCT LEVEL DATA ANALYSIS 审中-公开
    基于产品级数据分析的信用来源推荐

    公开(公告)号：US20150032523A1

    公开(公告)日：2015-01-29

    申请号：US13953264

    申请日：2013-07-29

    申请人： BANK OF AMERICA CORPORATION

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

    IPC分类号： G06Q20/22 ,  G06Q30/02

    CPC分类号： G06Q20/227 ,  G06Q30/0222

    摘要： Embodiments of the invention are directed to apparatus, methods, and computer program products for credit source recommendation based on product level data analysis. In some embodiments, an apparatus is configured to receive an information from a structured database associated with a customer's financial institution account, wherein the information includes a previous product purchase; categorize the customer based on the information received; and provide a recommendation to the customer based on categorization of the customer, wherein the recommendation is a type of financial institution bank card.

    摘要翻译： 本发明的实施例涉及基于产品级数据分析的用于信用来源推荐的装置，方法和计算机程序产品。 在一些实施例中，设备被配置为从与客户的金融机构帐户相关联的结构化数据库接收信息，其中所述信息包括先前的产品购买; 根据收到的信息对客户进行分类; 并根据客户的分类向客户提出建议，其中推荐是一种金融机构银行卡。

    USE OF E-RECEIPTS FOR MICRO LOYALTY TARGETING
    5.
    发明申请
    USE OF E-RECEIPTS FOR MICRO LOYALTY TARGETING 审中-公开
    电子收据用于微型定向瞄准的使用

    公开(公告)号：US20150032522A1

    公开(公告)日：2015-01-29

    申请号：US13953399

    申请日：2013-07-29

    申请人： Bank of America Corporation

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

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0226 ,  G06Q30/0215

    摘要： Embodiments of the invention are directed to apparatus, methods, and computer program products for using e-receipts for micro loyalty targeting. The apparatus, methods, and computer program products comprise: a memory; a processor; and a module stored in memory, executable by a processor, and configured to: receive information associated with a purchase of an item, wherein the item includes an item category; increment a counter associated with the item category; determine, in response to incrementing the counter associated with the item category, if the counter equals or exceeds a predetermined threshold value; and transmit, in response to determining the counter equals or exceeds a predetermined threshold value, a message to a second apparatus.

    摘要翻译： 本发明的实施例涉及用于使用电子收据进行微型忠诚度定向的装置，方法和计算机程序产品。 设备，方法和计算机程序产品包括：存储器; 处理器 以及存储在存储器中的可由处理器执行的模块，并且被配置为：接收与购买项目相关联的信息，其中所述项目包括项目类别; 增加与项目类别相关联的计数器; 确定响应于增加与项目类别相关联的计数器，如果计数器等于或超过预定阈值; 并且响应于确定所述计数器等于或超过预定阈值，向第二装置发送消息。

    Product evaluation based on electronic receipt data
    8.
    发明授权
    Product evaluation based on electronic receipt data 有权
    基于电子收据数据的产品评估

    公开(公告)号：US09519928B2

    公开(公告)日：2016-12-13

    申请号：US13953223

    申请日：2013-07-29

    申请人： BANK OF AMERICA CORPORATION

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

    IPC分类号： G06Q30/06 ,  G06Q30/02

    CPC分类号： G06Q30/0631 ,  G06Q30/0215 ,  G06Q30/0224 ,  G06Q30/0623 ,  G06Q30/0629

    摘要： 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.

    摘要翻译： 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。

    USE OF E-RECEIPTS FOR CONSUMPTION TRACKING
    9.
    发明申请
    USE OF E-RECEIPTS FOR CONSUMPTION TRACKING 审中-公开
    电子收据用于消费追踪的使用

    公开(公告)号：US20150066687A1

    公开(公告)日：2015-03-05

    申请号：US14535834

    申请日：2014-11-07

    申请人： Bank of America Corporation

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

    IPC分类号： G06Q30/06

    CPC分类号： G06Q30/0631 ,  G06Q40/00

    摘要： 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.

    摘要翻译： 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。

    MISAPPROPRIATION PROTECTION BASED ON SHIPPING ADDRESS OR STORE INFO FROM E-RECEIPT
    10.
    发明申请
    MISAPPROPRIATION PROTECTION BASED ON SHIPPING ADDRESS OR STORE INFO FROM E-RECEIPT 审中-公开
    基于电子收货的运输地址或存储信息的不正确的保护

    公开(公告)号：US20150039502A1

    公开(公告)日：2015-02-05

    申请号：US13958786

    申请日：2013-08-05

    申请人： BANK OF AMERICA CORPORATION

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

    IPC分类号： G06Q20/12 ,  G06Q10/08

    CPC分类号： G06Q20/12 ,  G06Q10/0838

    摘要： 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.

    摘要翻译： 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。