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公开(公告)号：US09665735B2
公开(公告)日：2017-05-30
申请号：US14615251
申请日：2015-02-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robert L. Abbott , Jason P. Blackhurst , Frederick A. Shahda , Alfred Hamilton
CPC classification number: G06F21/6254 , G06F17/30598
Abstract: The tool to provide anonymous data in response to a request for information is configured to receiving a request for information relating to a population of interest from a user; determining criteria associated with the population of interest, wherein the criteria define an individual representative of the population of interest; determining a characteristic of the individual within one or more categories; classifying the characteristic of the individual into a cluster, the cluster comprising a subset of all possible outcomes for the category; classifying a plurality of individuals from a database into clusters based on the one or more categories; determining a subset of the plurality of individuals that are similar to the individual representative of the population of interest based on the clusters; transforming the characteristics of the individuals in the subset to generate anonymous data responsive to the request for information; and providing the anonymous data to the user.
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公开(公告)号：US20160234322A1
公开(公告)日：2016-08-11
申请号：US14616477
申请日：2015-02-06
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jason P. Blackhurst , Frederick A. Shahda , Robert L. Abbott , Alfred Hamilton
IPC: H04L29/08
CPC classification number: H04L67/22 , G06Q30/0201 , G06Q30/0251 , H04L63/0421 , H04L67/02 , H04L67/20
Abstract: Anonymously providing purchasing analytics associated with customer to a website while the customer is accessing the website. Specifically, a financial institution, having access to a customer's transactional data, can analyze the data to determine analytical purchasing data. Once the customer authenticates themselves at a financial institution website, a networked application or the like, an anonymous cookie that is configured to identify the analytical purchasing data is generated and stored in the web browser cache. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved from the web browser cache and the analytical purchasing data is provided to the website. In specific embodiments of the invention, the website uses the analytical purchasing data of the customer to determine which of the plurality of advertisements are to be displayed to the customer while they visit the website.
Abstract translation: 在客户访问网站时，匿名提供与客户相关的购买分析到网站。 具体来说，金融机构能够访问客户的交易数据，可以分析数据以确定分析采购数据。 一旦客户在金融机构网站，网络应用程序等身份验证身份，就会生成配置为识别分析采购数据的匿名cookie，并将其存储在Web浏览器缓存中。 响应于使用该设备访问显示广告的网站的客户，从网络浏览器缓存检索匿名cookie，并将分析购买数据提供给网站。 在本发明的具体实施例中，网站使用客户的分析采购数据来确定在客户访问该网站时要向客户显示哪些广告。
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公开(公告)号：US20160232590A1
公开(公告)日：2016-08-11
申请号：US14616485
申请日：2015-02-06
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robert L. Abbott , Jason P. Blackhurst , Frederick A. Shahda , Alfred Hamilton
CPC classification number: G06Q30/0615 , G06F21/6254 , G06F21/6263 , G06Q30/0269 , G06Q40/12 , H04L63/08 , H04L63/0807 , H04L67/02 , H04L67/20 , H04L67/22
Abstract: Targeted electronic advertisements are delivered to a website user/customer by implementing anonymous cookies that serve to identify a customer's overall spending trends and/or preferences. In response to a financial institution customer authenticating themselves at a financial institution website or the like, an anonymous cookie is generated and stored in the customer's web browser cache that includes a unique identifier associated with the customer and the spending trends data associated with the customer's spending trends. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved, the unique code prompts a call-back to the financial institution for retrieval and communication of the spending trend data and the data is used to determine which of the plurality of advertisements are to be to displayed to the customer while they visit the website.
Abstract translation: 有针对性的电子广告通过实施用于识别客户整体支出趋势和/或偏好的匿名Cookie来传送给网站用户/客户。 为了响应金融机构客户在金融机构网站等身份进行身份验证，生成匿名cookie并将其存储在客户的Web浏览器缓存中，该缓存包括与客户相关联的唯一标识符以及与客户支出相关联的支出趋势数据 趋势。 响应于使用该设备访问显示广告的网站的客户，检索匿名cookie，唯一代码提示回拨金融机构以检索和通信支出趋势数据，并且使用该数据来确定 在访问该网站时，要向客户显示多个广告中的哪一个。
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公开(公告)号：US20160140601A1
公开(公告)日：2016-05-19
申请号：US14542020
申请日：2014-11-14
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jason P. Blackhurst , Frederick A. Shahda , Robert L. Abbott , Alfred Hamilton
IPC: G06Q30/02
CPC classification number: G06Q30/0244
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing advertisements to recommenders for network diffusion to a cluster or group of individuals associated with the recommender. In this way, advertisement effectiveness may be identified by presented to a single customer or recommender, and that recommender diffusion the advertisement data across his/her cluster of friends. In this way, the invention provides a means of delivering advertisements to appropriate recommenders for diffusion throughout a group of individuals. A network and recommender may be identified based on diffusion using transaction history, coincident mapping, and/or social network information. In this way, it is appreciated that there may be a greater advertisement value to present the advertisement to the recommender then allowing the advertisement to diffuse through the cluster.
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，用于向与推荐器相关联的群集或一组个体提供网络扩散的推荐者的广告。 以这种方式，可以通过呈现给单个客户或推荐者来识别广告效果，并且该推荐者将广告数据扩散到他/她的朋友群集中。 以这种方式，本发明提供了一种将广告递送到适当的推荐者以在一组个体内进行扩散的方法。 可以基于使用交易历史，重合映射和/或社交网络信息的扩散来识别网络和推荐者。 以这种方式，应当理解，可能会有更大的广告价值来向推荐者呈现广告，然后允许广告扩散通过该集群。
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公开(公告)号：US20160247186A1
公开(公告)日：2016-08-25
申请号：US14626725
申请日：2015-02-19
Applicant: Bank of America Corporation
Inventor： Robert L. Abbott , Jason P. Blackhurst , Alfred Hamilton , Frederick A. Shahda
IPC: G06Q30/02
CPC classification number: G06Q30/0244 , G06Q30/0269
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing network diffusion convergence and divergence analysis. Thus identifying the convergence of a network diffusion model and subsequent divergence of the diffusion back to normal spend standards. The invention creates a repository of spend data for a period of time and for a specific category of purchases. Using geospatial information identifies a group within the repository and an influencer based on an inferred relationship and degree influence. In this way, the invention provides a means of delivering to the influencer for diffusion throughout a group of individuals. The system subsequent tracks the duration of convergence, initial divergence, and complete divergence. This data is then utilized to determine influencer and indirect delivery effectiveness.
Abstract translation: 本发明的实施例涉及用于提供网络扩散收敛和发散分析的系统，方法或计算机程序产品。 因此，确定网络扩散模型的收敛性和扩散的后续散度回到正常的支出标准。 本发明在一段时间内和特定类别的购买中创建了花费数据库。 使用地理空间信息，根据推断的关系和程度影响来识别仓库内的群体和影响者。 以这种方式，本发明提供了一种在一群个体中传播给影响者以进行扩散的方法。 系统随后跟踪收敛的持续时间，初始发散和完全发散。 然后将该数据用于确定影响者和间接递送有效性。
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Patent Agency Ranking
公开(公告)号：US20140149201A1
公开(公告)日：2014-05-29
申请号：US13689182
申请日：2012-11-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robert L. Abbott , Matthew Laine Donlan , Thomas E. Durbin , Sean D. Fitzpatrick , Andrew S. Heiman , Dean Lyons Henry , Frederick A. Shahda , Srinath Nagarajan
IPC: G06Q30/02
CPC classification number: G06Q30/0234
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for initiating presentation of a rebate associated with a transaction. An exemplary apparatus is configured to: determine a user executed a first transaction qualifying for a first offer; determine a first rebate associated with the first transaction; apply the first rebate to the user's account; initiate presentation of the first rebate on a user interface; determine the user executed a second transaction qualifying for a second offer; determine a second rebate associated with the second transaction, wherein the second rebate is not applied to the user's account; and initiate presentation of the second rebate on the user interface.
Abstract translation: 本发明的实施例涉及用于启动呈现与交易相关联的回扣的系统，方法和计算机程序产品。 示例性装置被配置为：确定执行符合第一报价的第一交易的用户; 确定与第一笔交易相关联的第一笔折扣; 将第一个回扣应用于用户帐户; 开始在用户界面上呈现第一个回扣; 确定用户执行符合第二个要约的第二个交易; 确定与第二交易相关联的第二回扣，其中第二回扣不应用于用户的账户; 并开始在用户界面上呈现第二个回扣。
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公开(公告)号：US20140149195A1
公开(公告)日：2014-05-29
申请号：US13689376
申请日：2012-11-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robert L. Abbott , Matthew Laine Donlan , Thomas E. Durbin , Sean D. Fitzpatrick , Andrew S. Heiman , Dean Lyons Henry , Frederick A. Shahda , Srinath Nagarajan
IPC: G06Q30/02
CPC classification number: G06Q30/0253 , G06Q30/0215
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to determine whether a transaction qualifies for an offer. An exemplary apparatus is configured to: receive information associated with a transaction; receive information associated with an offer, the offer enabling a user to receive a discount or rebate on a qualifying transaction; and initiate presentation of an indicator indicating whether the transaction qualifies for the offer.
Abstract translation: 本发明的实施例涉及用于使用户能够确定交易是否符合报价的系统，方法和计算机程序产品。 示例性装置被配置为：接收与事务相关联的信息; 接收与报价相关联的信息，该报价使得用户能够在合格交易中接收折扣或回扣; 并启动一个指标，指示交易是否符合要约。
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公开(公告)号：US20160371684A1
公开(公告)日：2016-12-22
申请号：US14746371
申请日：2015-06-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robert L. Abbott , Frederick A. Shahda , Alfred Hamilton , Jason P. Blackhurst
CPC classification number: H04L63/0428 , G06Q2220/00 , H04L63/0421 , H04L2463/102
Abstract: Embodiments of the invention include systems, methods, and computer-program products for anonymizing a user utilizing oblivious transfer. In this way, the invention establishes a common index to identify members of a population sample, anonymizes the identities of sample members to each party, and exchanges statistics and characteristics of the sample population. The invention creates a common searchable index and anonymizes the sample members of the database via encryption of identification of individual customers in each sample. Each encryption provides for a strong encryption with a key and a homomorphic encryption. The homomorphic encryption allows for multiplication and/or addition on ciphertexts that, once decrypted, match the result that would have occurred had the operations been carried out on the plaintext. In some embodiments, the encryption may be either partially- or fully-homomorphic cryptosystems.
Abstract translation: 本发明的实施例包括用于使用遗忘转移来匿名用户的系统，方法和计算机程序产品。 以这种方式，本发明建立了一个共同的指标，用于识别人口样本的成员，将样本成员的身份匿名给每一方，并交换样本人群的统计和特征。 本发明创建一个共同的可搜索索引，并通过加密每个样本中个别客户的识别来匿名数据库的样本成员。 每个加密都提供强大的密钥加密和同态加密。 同形加密允许在密文中进行乘法和/或加法，一旦解密，匹配在明文执行操作后将会发生的结果。 在一些实施例中，加密可以是部分或完全同态密码系统。
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公开(公告)号：US20160232376A1
公开(公告)日：2016-08-11
申请号：US14615251
申请日：2015-02-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robert L. Abbott , Jason P. Blackhurst , Frederick A. Shahda , Alfred Hamilton
CPC classification number: G06F21/6254 , G06F17/30598
Abstract: The tool to provide anonymous data in response to a request for information is configured to receiving a request for information relating to a population of interest from a user; determining criteria associated with the population of interest, wherein the criteria define an individual representative of the population of interest; determining a characteristic of the individual within one or more categories; classifying the characteristic of the individual into a cluster, the cluster comprising a subset of all possible outcomes for the category; classifying a plurality of individuals from a database into clusters based on the one or more categories; determining a subset of the plurality of individuals that are similar to the individual representative of the population of interest based on the clusters; transforming the characteristics of the individuals in the subset to generate anonymous data responsive to the request for information; and providing the anonymous data to the user.
Abstract translation: 响应于信息请求而提供匿名数据的工具被配置为从用户接收关于与兴趣群体有关的信息的请求; 确定与感兴趣的人群相关联的标准，其中标准定义感兴趣群体的个体代表; 在一个或多个类别内确定个体的特征; 将个体的特征分类为群集，群集包括该类别的所有可能结果的子集; 基于所述一个或多个类别将多个个体从数据库分类成群集; 基于所述簇确定与所述感兴趣群体的个体代表相似的所述多个个体的子集; 转变子集中的个体的特征以产生响应于信息请求的匿名数据; 并向用户提供匿名数据。
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公开(公告)号：US20160224997A1
公开(公告)日：2016-08-04
申请号：US14610901
申请日：2015-01-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jason P. Blackhurst , Frederick A. Shahda , Alfred Hamilton , Robert L. Abbott
IPC: G06Q30/02
CPC classification number: G06Q30/0202
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a distributive network system with specialized data feeds associated with the distributive network for identifying total spend item level affinity for a customer and utilizing the data to provide target advertisement, providing stocking and supplying options for a merchant, and alternatively, for tracking merchant brand association impact. In this way, embodiments of the present invention identify and utilize total spend data for a customer, which includes the products and services a customer purchases within a time period. The invention identifies the customer transactions and subsequently can identify item level data and merchant level data for the transactions within the time period. From this data the system analyzes the total spend to identify loyalty based on merchant, product, or product category. This loyalty information is compiled across multiple customers and compiled for merchant feedback.
Abstract translation: 本发明的实施例涉及一种用于分配网络系统的系统，方法或计算机程序产品，其具有与分配网络相关联的专用数据馈送，用于识别对于客户的总支出项目级别的亲和度并利用该数据来提供目标广告，提供 为商家提供储存和供应选项，或者用于跟踪商家品牌关联的影响。 以这种方式，本发明的实施例识别和利用客户的总支出数据，其包括客户在一段时间内购买的产品和服务。 本发明识别客户交易，随后可以在该时间段内识别交易的商品级数据和商家级数据。 根据这些数据，系统会根据商家，产品或产品类别分析总支出以确定忠诚度。 这种忠诚信息是在多个客户之间编译的，并针对商家反馈进行编译。
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