公开(公告)号：US20140207548A1

公开(公告)日：2014-07-24

申请号：US13748220

申请日：2013-01-23

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth L. Basnight ,  John Livaditis ,  Faith Hepler ,  Phyllis Thesing ,  Erica Geers ,  Colleen Novielli ,  Eric Charles Boyd

IPC: G06Q30/02

CPC classification number: G06Q30/0215 ,  G06Q30/0226

Abstract: A computer system enables a financial institution to award a fixed reward that may include one or more fixed components based on at least one payment criterion when a customer remits a payment in a timely basis. The payment criteria, for example, may include paying a minimum amount for each consecutive billing period in a timely manner over a predetermined calendar interval. When the customer is awarded the fixed reward, the reward may be directed to an account that is designated by the customer. The fixed reward may also include a basic fixed amount for satisfying the at least one payment criterion a well as an additional fixed amount if the customer has a specified relationship (such as a checking and/or a savings account) with the financial institution.

Abstract translation: 计算机系统使得金融机构能够在客户及时支付付款时，基于至少一种支付标准来奖励可能包括一个或多个固定组件的固定奖励。 例如，支付标准可以包括在预定的日历间隔中及时地为每个连续计费周期支付最小金额。 当客户获得固定奖励时，奖励可能会被指向客户指定的帐户。 固定报酬还可以包括用于满足至少一个支付标准的基本固定金额以及如果客户与金融机构具有指定关系（例如，支票和/或储蓄账户）的附加固定金额。

公开(公告)号：US20220027865A1

公开(公告)日：2022-01-27

申请号：US16935542

申请日：2020-07-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Justin Riley DuPont ,  Charles Jason Burrell ,  Tony England ,  Catherine Goss ,  Michael Robert Hasslinger ,  Christina Ann Lillie ,  John Allen Sellers ,  Vincent Butler ,  John Livaditis ,  Karen Lea MacQueen ,  Ana Maxim

IPC: G06Q20/06 ,  G06Q20/38 ,  G06Q20/36 ,  G06Q40/02 ,  G06Q20/22

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an auxiliary hub for passive resource conversion and collection. The system generations and provides a centralized hub for passive resource conversion. The passive resources may be linked from a third party to the hub for direct extraction of the passive resource to the hub. Furthermore, the system may translate the passive resource into active resource via a modification ratio based on the type of passive resource and passive resource provider. The user may then be able to utilize this centralized auxiliary hub for completion or partial completion of resource distributions. The invention further provides a graphical user interface that integrates the centralized auxiliary hub with user mobile applications, on-line applications, and the like allowing for partial selection from the hub and other resource sources for distribution.

公开(公告)号：US20150154625A1

公开(公告)日：2015-06-04

申请号：US14618634

申请日：2015-02-10

Applicant: Bank of America Corporation

Inventor： Elizabeth L. Basnight ,  John Livaditis ,  Faith Hepler ,  Phyllis Thesing ,  Erica Geers ,  Colleen Novielli ,  Eric Charles Boyd

IPC: G06Q30/02

CPC classification number: G06Q30/0215 ,  G06Q30/0226

Abstract: A computer system enables a financial institution to award a fixed reward that may include one or more fixed components based on at least one payment criterion when a customer remits a payment in a timely basis. The payment criteria, for example, may include paying a minimum amount for each consecutive billing period in a timely manner over a predetermined calendar interval. When the customer is awarded the fixed reward, the reward may be directed to an account that is designated by the customer. The fixed reward may also include a basic fixed amount for satisfying the at least one payment criterion a well as an additional fixed amount if the customer has a specified relationship (such as a checking and/or a savings account) with the financial institution.

Abstract translation: 计算机系统使得金融机构能够在客户及时支付付款时，基于至少一个支付标准来奖励可能包括一个或多个固定组件的固定奖励。 例如，支付标准可以包括在预定的日历间隔中及时地为每个连续计费周期支付最小金额。 当客户获得固定奖励时，奖励可能会被指向客户指定的帐户。 固定报酬还可以包括用于满足至少一个支付标准的基本固定金额以及如果客户与金融机构具有指定的关系（例如，支票和/或储蓄账户）的附加固定金额。