公开(公告)号：US20170011350A1

公开(公告)日：2017-01-12

申请号：US14797001

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 ,  H04B1/3827 ,  H04L29/08

CPC classification number: G06Q10/1095 ,  G06Q10/1093 ,  H04L67/10 ,  H04L67/306

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user's financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, 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 requirements.

Abstract translation: 本发明的实施例包括用于基于感知的用户需求来调度和影响预约日历的系统，方法和计算机程序产品。 因此，本发明基于用户的财务信息，交易历史，导航历史等的自动和实时分析来提供智能预约日历。 系统然后识别一个或多个相关专家并安排一个或多个约会。 根据用户信息分析识别的需要，本发明可以为用户创建一个约会包。 因此，系统可以根据用户的需求安排与一位或多位专家的约会。

公开(公告)号：US20170011390A1

公开(公告)日：2017-01-12

申请号：US14796865

申请日：2015-07-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew Hsieh ,  Jade Michelle Le Vo-Dinh ,  Carrie Anne Hanson ,  Peter John Bertanzetti ,  Alicia C. Jones-McFadden ,  David M. Grigg

IPC: G06Q20/36 ,  G06Q20/10

CPC classification number: G06Q20/36 ,  G06Q20/108 ,  G06Q20/3223

Abstract: Embodiments of the invention relate to systems and methods for facilitating digital wallet transfers. In particular, the embodiments of the invention relate to system configured to create an electronic wallet capable of receiving funds from an online transaction. The system may further cause a mobile device to install a banking application for managing the electronic wallet, wherein the banking application enables a user to create a financial account and transfer funds available to the electronic wallet to the financial account. Based on the user interacting with the banking application, the system creates a financial account capable of receiving funds from the electronic wallet. The system identifies that the electronic wallet has received funds, and based on such identification, the system transfers an amount of funds available to the electronic wallet to the financial account.

Abstract translation: 本发明的实施例涉及用于促进数字钱包传送的系统和方法。 特别地，本发明的实施例涉及被配置为创建能够从在线交易接收资金的电子钱包的系统。 该系统还可以使移动设备安装用于管理电子钱包的银行应用程序，其中银行应用使得用户能够创建金融账户并将可用于电子钱包的资金转移到金融账户。 基于与银行应用程序交互的用户，系统创建能够从电子钱包接收资金的金融账户。 该系统识别出电子钱包已经收到资金，并且基于这种识别，系统将可用于电子钱包的资金数量转移到金融账户。

公开(公告)号：US20170011229A1

公开(公告)日：2017-01-12

申请号：US14796960

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: G06F21/62 ,  G06Q40/00 ,  G06F3/0484

CPC classification number: G06F21/6245 ,  G06F3/04842 ,  G06Q40/00

Abstract: The present disclosure describes user self-directed sharing of user data with entities in return for user benefits. Embodiments herein disclosed receive user data, aggregate the user data into user data groups, receive at least one benefit that an entity is willing to offer in exchange for a user data group, associate the benefit with each of the user data groups, provide a user interface to the user, prompt the user for selecting one of the user data groups and the benefit for the selected user data group, receive an indication that the user has selected to share one of the user data groups in exchange for the benefit, provide the user data associated with the selected user data group to the entity associated with the benefit, and provide a notification to the user of the benefit associated with the selected user data group has been associated with the user.

Abstract translation: 本公开描述了用户自身与实体共享用户数据以换取用户利益。 本文公开的实施例接收用户数据，将用户数据聚合成用户数据组，接收实体愿意提供的交换用户数据组的至少一个益处，将该益处与每个用户数据组相关联，提供用户 接口，提示用户选择一个用户数据组和所选择的用户数据组的好处，接收用户选择的指示以共享用户数据组中的一个以换取益处，提供 与所选择的用户数据组相关联的用户数据到与所述利益相关联的实体，以及向用户提供与所选择的用户数据组相关联的利益的通知已经与用户相关联。

公开(公告)号：US10387846B2

公开(公告)日：2019-08-20

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

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.

公开(公告)号：US10387845B2

公开(公告)日：2019-08-20

申请号：US14797001

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 ,  H04L29/08

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user's financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, 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 requirements.

公开(公告)号：US20170011351A1

公开(公告)日：2017-01-12

申请号：US14797012

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 ,  G06F3/0481

CPC classification number: G06Q10/1095 ,  G06F3/0481 ,  G06F3/0484 ,  G06Q10/063112 ,  G06Q10/1097 ,  H04M3/5233

Abstract: Embodiments of the invention include systems, methods, and computer-program products for enriching appointment calendaring with pre- and post-appointment requirements. In this way, the invention creating an appointment ticket in the user's passbook or calendar for one or more calendared appointments identified in a user's calendar. The system may enrich the saved appointment with information, documents, or the like that may be required for the appointment prior to the appointment occurring. In this way, the system may generate and fill out the necessary documents for the user in preparation for the appointment. Furthermore, the system may enrich the stored appointment data with information post-appointment. For example, the system may incorporate a log of the appointment, follow-up information required, or the like.

Abstract translation: 本发明的实施例包括系统，方法和计算机程序产品，用于在预约和预约后要求下丰富约会日程。 以这种方式，本发明在用户的日历中标识的一个或多个日历约会中在用户的存折或日历中创建约会票。 该系统可以在约定发生之前，为预约所需的信息，文件等丰富拯救的约会。 以这种方式，系统可以生成并填写用于准备约会的用户所需的文件。 此外，该系统可以利用预约后的信息丰富存储的约会数据。 例如，系统可以包括约会的日志，所需的后续信息等。

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。

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。