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    Providing comparison shopping experiences through an optical head-mounted displays in a wearable computer
    3.
    发明授权
    Providing comparison shopping experiences through an optical head-mounted displays in a wearable computer 有权

    公开(公告)号：US09785994B2

    公开(公告)日：2017-10-10

    申请号：US14250137

    申请日：2014-04-10

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Alicia C. Jones ,  David M. Grigg ,  Carrie Anne Hanson ,  Richard Andrew Starbuck

    IPC: G06Q30/00 ,  G06Q30/06 ,  G06K9/00

    CPC classification number: G06Q30/0629 ,  G06K9/00671

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for aiding with purchase inquiries through an optical head-mounted display in a wearable computer. An exemplary apparatus is configured to receive information captured by the wearable computer; transmit, to at least one database, the received information including a primary identifier and at least one secondary identifier; retrieve, from at least one database, detailed information related to the first item of interest and the at least one additional item of interest, where the detailed information is associated with the primary identifier and the at least one secondary identifier; and present, on the optical head-mounted display in the wearable computer, the detailed information related to the first item of interest and the at least one additional item of interest, in a comparison format.

    Providing E-receipts to customers
    4.
    发明授权
    Providing E-receipts to customers 有权

    公开(公告)号：US09652808B2

    公开(公告)日：2017-05-16

    申请号：US15041995

    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: 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 AFFECTING APPOINTMENT CALENDARING ON A MOBILE DEVICE BASED ON DEPENDENCIES
    5.
    发明申请
    SYSTEM FOR AFFECTING APPOINTMENT CALENDARING ON A MOBILE DEVICE BASED ON DEPENDENCIES 审中-公开
    根据相关因素影响移动设备上的任命的系统

    公开(公告)号：US20170011352A1

    公开(公告)日：2017-01-12

    申请号：US14797021

    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 ,  H04M1/725 ,  G06F3/0484

    CPC classification number: G06Q10/1095 ,  G06Q10/1093 ,  H04M1/72566

    Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on dependencies. As such, the invention provides for a dynamic appointment calendaring based on changes in the user's location. The dependencies comprise current and potential future locations and times of a user. The invention continuously monitors the calendars of the user on one or more devices. Further, the invention determines a change in existing appointments or cancellation of an appointment such that the user is newly available at certain time or determines a change in current and potential future locations of the user. Subsequently, the invention then evaluates one or more upcoming future appointments of the user with the financial institution specialists and ascertains the appointment details. The invention then automatically, schedules one or more new appointments at a new time and/or location with relevant specialists.

    Abstract translation: 本发明的实施例包括用于基于依赖性调度和影响约会日程的系统，方法和计算机程序产品。 因此，本发明基于用户位置的变化来提供动态约会日历。 依赖关系包括用户的当前和潜在的未来位置和时间。 本发明在一个或多个设备上持续地监视用户的日历。 此外，本发明确定现有约会的改变或约定的取消，使得用户在特定时间新获得或者确定用户的当前和潜在的未来位置的改变。 随后，本发明将对金融机构专家的一个或多个即将到来的使用者进行评估，并确定约定细节。 然后，本发明自动地在相关专家的新时间和/或地点安排一个或多个新约会。

    SYSTEM FOR AFFECTING APPOINTMENT CALENDARING BASED ON APPLICATION NAVIGATION CONTEXT
    6.
    发明申请
    SYSTEM FOR AFFECTING APPOINTMENT CALENDARING BASED ON APPLICATION NAVIGATION CONTEXT 审中-公开
    基于应用导航条件影响任务日程的系统

    公开(公告)号：US20170011349A1

    公开(公告)日：2017-01-12

    申请号：US14796990

    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 ,  G06F3/0484

    CPC classification number: G06Q10/1095 ,  G06F3/04842

    Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on user application navigation. As such, the invention provides for a smart appointment calendaring based on the portion of an application that the user is viewing. For example, if the user is in a credit card section of the application, the invention may identify this location and prompt an appointment to be set up with a credit card specialist. Furthermore, in some embodiments, the invention allows the user to add a voice message to set up the appointment, thus analysis of the voice message may be performed by the invention systems to match the user with the most appropriate specialist. Based on needs identified from application navigation, 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 needs.

    Abstract translation: 本发明的实施例包括用于基于用户应用导航调度和影响约会日程的系统，方法和计算机程序产品。 因此，本发明基于用户正在观看的应用的部分提供智能约会日历。 例如，如果用户在应用的信用卡部分中，则本发明可以识别该位置并且提示与信用卡专家建立约会。 此外，在一些实施例中，本发明允许用户添加语音消息以建立约定，因此本发明系统可以执行语音消息的分析以使用户与最合适的专家匹配。 基于从应用程序导航中识别的需要，本发明可以为用户创建约定包。 因此，系统可以根据用户的需要安排与一位或多位专家的约会。

    Determination of customer presence based on communication of a mobile communication device digital signature
    7.
    发明授权
    Determination of customer presence based on communication of a mobile communication device digital signature 有权
    基于移动通信设备数字签名的通信确定客户存在

    公开(公告)号：US09514463B2

    公开(公告)日：2016-12-06

    申请号：US14856017

    申请日：2015-09-16

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Richard Andrew Starbuck ,  Carrie Anne Hanson ,  Alicia C. Jones-McFadden ,  Nathan Dent ,  Nicholas Munson ,  Matthew K. Bryant

    IPC: G06Q30/00 ,  H04W4/00 ,  H04W4/02 ,  H04M1/725 ,  H04W4/20 ,  G02B27/01

    CPC classification number: G06Q30/01 ,  G02B27/017 ,  G02B2027/0138 ,  G02B2027/014 ,  G02B2027/0178 ,  G02B2027/0187 ,  H04M1/72572 ,  H04W4/023 ,  H04W4/21 ,  H04W4/80

    Abstract: Systems, apparatus, and computer program products provide for monitoring an area within or proximate to a place of business for digital signatures of mobile communication devices, such as cellular devices or wearable communication devices. The captured digital signatures are then matched to digital signatures associated with existing customers of the business to determine the presence of the existing customer within or proximate to the place of business. Once the presence of the existing customer within or proximate to the business is known, the business can access other relevant information, such as customer profile information, prior transaction/interaction information or the like to enhance the customer's current interaction with the business. Moreover, once the presence of the existing customer is known, location determining mechanisms may implemented to track the location of the known customer within or proximate to the place of business for the purpose of positively identifying the known customer.

    Abstract translation: 系统，装置和计算机程序产品用于监视移动通信设备（例如蜂窝设备或可穿戴通信设备）的数字签名的业务场所内或附近的区域。 然后将捕获的数字签名与与业务的现有客户相关联的数字签名进行匹配，以确定现有客户在业务场所内或附近的存在。 一旦知道业务内部或附近的现有客户的存在是已知的，则业务可以访问其他相关信息，例如客户简档信息，先前交易/交互信息等，以增强客户当前与业务的交互。 此外，一旦知道了现有客户的存在，就可以实现位置确定机制，以便在正确地识别已知客户的目的的情况下跟踪商业地点内或附近的已知客户的位置。

    Shutting down access to all user accounts
    8.
    发明授权
    Shutting down access to all user accounts 有权
    关闭对所有用户帐户的访问

    公开(公告)号：US09413747B2

    公开(公告)日：2016-08-09

    申请号：US15047269

    申请日：2016-02-18

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Hood Qaim-Maqami ,  Alicia C. Jones ,  Elizabeth S. Votaw ,  Joseph Neil Johansen ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Michael Patrick Lynch

    IPC: H04L29/06 ,  G06Q40/02

    CPC classification number: H04L63/08 ,  G06F21/31 ,  G06Q20/108 ,  G06Q20/3226 ,  G06Q20/382 ,  G06Q20/405 ,  G06Q40/02 ,  H04L63/10

    Abstract: Disclosed is a system and associated method or restricting access to a user's account via one or more account access channels. The system typically includes a processor, a memory, and an access restriction module stored in the memory. The module is typically configured for: integrating one or more account access channels associated with the user's account with an access restriction procedure; receiving a request from the user to implement the access restriction procedure; based on receiving the request from the user to implement the access restriction procedure, implementing the access restriction procedure, wherein implementing the access restriction procedure comprises restricting access to the user's account via the account access channel(s).

    Abstract translation: 公开了一种系统和相关联的方法或者通过一个或多个帐户访问信道来限制对用户帐户的访问。 系统通常包括存储在存储器中的处理器，存储器和访问限制模块。 该模块通常被配置为：将与用户帐户相关联的一个或多个帐户访问通道与访问限​​制过程集成; 接收来自用户的请求以实现访问限制过程; 基于接收到来自用户实施访问限制过程的请求，实现访问限制过程，其中实现访问限制过程包括通过帐户访问频道限制对用户帐户的访问。

    User authentication based on self-selected preferences
    9.
    发明授权
    User authentication based on self-selected preferences 有权
    基于自选择偏好的用户认证

    公开(公告)号：US09391990B2

    公开(公告)日：2016-07-12

    申请号：US15047336

    申请日：2016-02-18

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Joseph Neil Johansen ,  Carrie Anne Hanson ,  Charles Jason Burrell ,  Elizabeth S. Votaw

    IPC: G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/08 ,  H04L29/06

    CPC classification number: H04L63/08 ,  G06F21/31 ,  H04L63/0876 ,  H04L63/10

    Abstract: Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences. The system typically including a memory, a processor, and a module configured to receive a request to execute a user action from a user associated with an application, wherein the user action requires one or more authentication credentials; receive one or more authentication credentials from the user based on a user-selected preference; validate the one or more authentication credentials based on the user-selected preference; and execute the user action based on a successful validation of the one or more authentication credentials.

    Abstract translation: 本发明的实施例涉及一种用于基于自选择的偏好的用户认证的系统，方法和计算机程序产品。 该系统通常包括存储器，处理器和被配置为从与应用相关联的用户接收执行用户动作的请求的模块，其中用户动作需要一个或多个认证证书; 基于用户选择的优先级从用户接收一个或多个认证凭证; 基于用户选择的优先级验证一个或多个认证凭证; 并且基于一个或多个认证凭证的成功验证来执行用户动作。

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