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    SYSTEM OF ANONYMOUS USER CREATION BASED ON OBLIVIOUS TRANSFER
    4.
    发明申请
    SYSTEM OF ANONYMOUS USER CREATION BASED ON OBLIVIOUS TRANSFER 有权
    基于异常传输的无创用户创建系统

    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

    IPC: G06Q20/38 ,  H04L29/06

    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。

    PRIVACY FRACTAL MIRRORING OF TRANSACTION DATA
    5.
    发明申请
    PRIVACY FRACTAL MIRRORING OF TRANSACTION DATA 有权
    交易数据隐私分割

    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

    IPC: G06F21/62 ,  G06F17/30

    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。

    TOTAL SPEND ITEM LEVEL AFFINITY IDENTIFICATION SYSTEM
    6.
    发明申请
    TOTAL SPEND ITEM LEVEL AFFINITY IDENTIFICATION SYSTEM 审中-公开
    总付款项目级别身份识别系统

    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。

    ADVERTISEMENT IMPRESSIONS AND CUSTOMER TRANSACTION CORRELATION FOR ADVERTISEMENT VALIDATION
    7.
    发明申请
    ADVERTISEMENT IMPRESSIONS AND CUSTOMER TRANSACTION CORRELATION FOR ADVERTISEMENT VALIDATION 审中-公开
    广告印象和客户交易关联广告验证

    公开(公告)号：US20160042387A1

    公开(公告)日：2016-02-11

    申请号：US14471371

    申请日：2014-08-28

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Jason P. Blackhurst ,  Robert L. Abbott ,  Alfred Hamilton ,  Frederick A. Shahda

    IPC: G06Q30/02

    CPC classification number: G06Q30/0242 ,  G06Q30/0246

    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing feedback and validation of advertising and marketing campaigns. The invention receives advertisement impressions by customers, thus detecting advertisements that the customer has viewed. Furthermore, the invention retrieves transactional data associated with transactions made by the customer. The invention then correlates or matches the advertisement impressions and transactional data to determine products, services, or merchant transactions that were associated with advertisements viewed by the customer. The invention identifies a time frame between the advertisement impression and the transaction and generates data associated with the successfulness of advertising and marketing campaigns.

    Abstract translation: 本发明的实施例涉及用于提供广告和营销活动的反馈和验证的系统，方法或计算机程序产品。 本发明接收客户的广告印象，从而检测客户所观看的广告。 此外，本发明检索与由客户进行的交易相关联的事务数据。 然后，本发明将广告印象和事务数据相关联或匹配，以确定与顾客观看的广告相关联的产品，服务或商家交易。 本发明识别广告印象和交易之间的时间间隔，并产生与广告和营销活动成功相关的数据。

    PROVIDING OFFERS ASSOCIATED WITH PAYMENT CREDENTIALS AUTHENTICATED IN A SPECIFIC DIGITAL WALLET
    8.
    发明申请
    PROVIDING OFFERS ASSOCIATED WITH PAYMENT CREDENTIALS AUTHENTICATED IN A SPECIFIC DIGITAL WALLET 有权
    提供与特定数字电子钱包认证的付款凭证相关的优惠

    公开(公告)号：US20150254698A1

    公开(公告)日：2015-09-10

    申请号：US14196869

    申请日：2014-03-04

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Laura Corinne Bondesen ,  Jason P. Blackhurst ,  Scott Lee Harkey ,  William Blakely Belchee ,  Tammy L. Brunswig

    IPC: G06Q30/02 ,  G06Q20/36 ,  G06Q20/32

    CPC classification number: G06Q30/0215 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/367 ,  G06Q20/385

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet on a user's mobile device, authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include at least one incentive for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers.

    Abstract translation: 本发明的实施例涉及用于在数字钱包中提供补充帐户信息的系统，方法和计算机程序产品。 示例性设备被配置为：在用户的移动设备上接收提供数字钱包的请求，认证用于数字钱包内的至少一个支付凭证; 接收访问被配置为将提供推送到数字钱包的应用程序编程接口，其中所述应用编程接口与由所述数字钱包提供者维护的至少一个数据库相关联; 通过所述应用编程接口从所述至少一个数据库接收一个或多个提供，其中所述提议包括使用与所述数字钱包相关联的所述至少一个支付凭证处理支付的至少一个激励; 并且向移动设备的显示器上的用户呈现一个或多个报价。

    USE OF E-RECEIPTS TO DETERMINE TOTAL COST OF OWNERSHIP
    9.
    发明申请
    USE OF E-RECEIPTS TO DETERMINE TOTAL COST OF OWNERSHIP 审中-公开
    使用电子收件确定所有权的总费用

    公开(公告)号：US20150032581A1

    公开(公告)日：2015-01-29

    申请号：US13952049

    申请日：2013-07-26

    Applicant: BANK OF AMERICA CORPORATION

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

    IPC: G06Q40/00

    CPC classification number: G06Q40/12

    Abstract: 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: determine a purchase price paid for the product and costs associated with the product based on purchase transaction data; and determine an estimated total cost of ownership of the product based on the purchase price of the product and the costs associated with the product.

    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：基于购买交易数据确定为产品支付的购买价格和与产品相关联的成本; 并根据产品的购买价格和与产品相关的成本确定产品的总体拥有成本。

    PRICE EVALUATION BASED ON ELECTRONIC RECEIPT DATA
    10.
    发明申请
    PRICE EVALUATION BASED ON ELECTRONIC RECEIPT DATA 有权
    基于电子接收数据的价格评估

    公开(公告)号：US20150032574A1

    公开(公告)日：2015-01-29

    申请号：US13953218

    申请日：2013-07-29

    Applicant: BANK OF AMERICA CORPORATION

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

    IPC: G06Q30/06

    CPC classification number: G06Q30/0629

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing price evaluation based on electronic receipt data. An exemplary apparatus is configured to: identify purchase transaction data associated with identified electronic communications between a merchant and a customer, wherein the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein 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 a first product purchased by a plurality of customers; determine a best price available for the first product based at least partially on an analyses of the purchase transaction data; and communicate the best price available for the first product to one or more parties.

    Abstract translation: 本发明的实施例涉及用于基于电子收据数据提供价格评估的系统，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，其中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，其中以非结构化格式接收所述购买交易数据; 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网上银行应用相关联; 与多个客户购买的第一产品相关的总购买交易数据; 至少部分地基于购买交易数据的分析确定第一产品的最佳价格; 并向第一方或多方传达第一种产品的最佳价格。

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