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公开(公告)号：US10951720B2
公开(公告)日：2021-03-16
申请号：US15427506
申请日：2017-02-08
发明人： Kevin T. Cole , Alicia C. Jones-McFadden , Sushil Golani , Caitlin Chrisman Bullock , Dariane K. Hunt , Ramakrishna R. Yannam , Christian S. Kitchell , Matthew Hsieh , Shahram Khosraviani , Priyank R. Shah , Maruthi Shanmugam
IPC分类号： H04L29/08 , G06N20/00 , G06N5/04 , G06F40/279 , G06F40/289 , G10L15/26
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing a multi-channel cognitive resource platform configured for intelligent, proactive and responsive communication with a user, via a user device. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel. The system is further configured to switch between the various communication channels seamlessly, and in real-time.
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公开(公告)号：US10917923B2
公开(公告)日：2021-02-09
申请号：US16707513
申请日：2019-12-09
摘要： Embodiments of the invention are directed to a system, method, or computer program product for resource optimization allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. In one aspect, the system identifies inflow resource transfers associated with a first resource. The system then determines if the inflow resource transfers are required for processing of critical tasks. Consequently, the system initiates a resource transfer, comprising at least a portion of the inflow resource transfer, from the first resource to a second user resource. Typically, the second resource is configured to promote resource accumulation. In another aspect of the invention, the system identifies a third user resource that is configured to foster resource growth, that is then linked with the second resource.
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公开(公告)号：US20150227879A1
公开(公告)日：2015-08-13
申请号：US14175041
申请日：2014-02-07
发明人： Peter John Bertanzetti , Kevin T. Cole , Carrie Anne Hanson , Elizabeth S. Votaw , Joseph Neil Johansen
CPC分类号： G06Q10/063112 , G06Q50/01
摘要： Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialists with the user. At least one condition used to match the specialist with the user is the social networking contacts of the user that have a relationship with the specialists. Additional conditions may include, but are not limited to, locations of the user and specialists, social networking profile information of the user and specialists, or other like account profile information for the user and specialists.
摘要翻译： 本发明的实施例提供了一种从机构向用户呈现专家的专家呈现工具。 可以基于用户采取动作时发生的触发或者当对用户帐户采取行动时，向用户呈现专家。 确定一个或多个专家向满足触发器的一组专家向用户呈现可以基于与专家与用户相匹配的一个或多个条件。 用于与用户匹配的至少一种条件是与专家有关系的用户的社交网络联系人。 附加条件可以包括但不限于用户和专家的位置，用户和专家的社交网络简档信息，或用户和专家的其他类似的帐户简档信息。
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公开(公告)号：US20210203734A1
公开(公告)日：2021-07-01
申请号：US17201052
申请日：2021-03-15
发明人： Kevin T. Cole , Alicia C. Jones-McFadden , Sushil Golani , Caitlin Chrisman Bullock , Dariane Katinka Hunt , Ramakrishna R. Yannam , Christian S. Kitchell , Matthew Hsieh , Shahram Khosraviani , Priyank R. Shah , Maruthi Shanmugam
IPC分类号： H04L29/08 , G06N20/00 , G06N5/04 , G06F40/279 , G06F40/289
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing a multi-channel cognitive resource platform configured for intelligent, proactive and responsive communication with a user, via a user device. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel. The system is further configured to switch between the various communication channels seamlessly, and in real-time.
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公开(公告)号：US20170195993A1
公开(公告)日：2017-07-06
申请号：US14987722
申请日：2016-01-04
IPC分类号： H04W72/02
摘要： Embodiments of the invention are directed to a system, method, or computer program product for providing resource allocation based on available resources via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention provides the interactive resource interface on the mobile device, wherein the interface is configured to receive user input comprising physical gestures. The system identifies a user input comprising a first physical gesture, wherein the physical gesture is associated with one or more gesture attributes. Consequently, the system may initiate a resource transfer between two resources, based on correlating the one or more gesture attributes with the resources.
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公开(公告)号：US20170091873A1
公开(公告)日：2017-03-30
申请号：US14863603
申请日：2015-09-24
CPC分类号： G06Q40/12 , G06Q20/10 , G06Q20/401 , G06Q20/405
摘要： Disclosed is a computerized person-to-person asset routing system. The system typically includes a processor, a memory, and a person-to-person asset routing module that is stored in the memory and executable by the processor. The person-to-person asset routing module is typically configured for receiving an electronic image file containing an image of a negotiable instrument from a payor computing device; processing the image of the negotiable instrument to extract transaction data; identifying a payor account; comparing the extracted transaction information to a payee information repository; based on comparing the extracted transaction information to the payee information repository, identifying payee routing information associated with a payee; and based on identifying the payor account and the payee routing information, transferring assets from the payor account to the payee via the payee routing information.
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公开(公告)号：US20150227901A1
公开(公告)日：2015-08-13
申请号：US14175039
申请日：2014-02-07
发明人： Peter John Bertanzetti , Kevin T. Cole , Carrie Anne Hanson , Elizabeth S. Votaw , Joseph Neil Johansen
CPC分类号： G06Q20/108 , G06Q20/10 , G06Q40/02 , H04L51/32 , H04L67/306 , H04W4/21
摘要： Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user in an online banking account. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialist with the user. The conditions may include but are not limited to locations of the user and specialists, profile information of the user and specialists, social networking contacts or information for the user and specialists, or other like account profile information for the user and specialists.
摘要翻译： 本发明的实施例提供了一种专家呈现工具，其向在线银行帐户中的机构的专家提供给用户。 可以基于用户采取动作时发生的触发或者当对用户帐户采取行动时，向用户呈现专家。 确定一个或多个专家向满足触发器的一组专家向用户呈现可以基于与专家与用户相匹配的一个或多个条件。 条件可以包括但不限于用户和专家的位置，用户和专家的简介信息，社交网络联系人或用户和专家的信息，或用户和专家的其他类似的帐户简档信息。
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公开(公告)号：US11991256B2
公开(公告)日：2024-05-21
申请号：US17201052
申请日：2021-03-15
发明人： Kevin T. Cole , Alicia C. Jones-McFadden , Sushil Golani , Caitlin Chrisman Bullock , Dariane Katinka Hunt , Ramakrishna R. Yannam , Christian S. Kitchell , Matthew Hsieh , Shahram Khosraviani , Priyank R. Shah , Maruthi Shanmugam
IPC分类号： H04L67/52 , G06F40/279 , G06F40/289 , G06N5/04 , G06N20/00 , G10L15/26 , H04L67/50
CPC分类号： H04L67/52 , G06F40/279 , G06F40/289 , G06N5/04 , G06N20/00 , H04L67/535 , G10L15/26
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing a multi-channel cognitive resource platform configured for intelligent, proactive and responsive communication with a user, via a user device. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel. The system is further configured to switch between the various communication channels seamlessly, and in real-time.
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公开(公告)号：US10475129B2
公开(公告)日：2019-11-12
申请号：US14863603
申请日：2015-09-24
摘要： Disclosed is a computerized person-to-person asset routing system. The system typically includes a processor, a memory, and a person-to-person asset routing module that is stored in the memory and executable by the processor. The person-to-person asset routing module is typically configured for receiving an electronic image file containing an image of a negotiable instrument from a payor computing device; processing the image of the negotiable instrument to extract transaction data; identifying a payor account; comparing the extracted transaction information to a payee information repository; based on comparing the extracted transaction information to the payee information repository, identifying payee routing information associated with a payee; and based on identifying the payor account and the payee routing information, transferring assets from the payor account to the payee via the payee routing information.
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公开(公告)号：US10021672B2
公开(公告)日：2018-07-10
申请号：US14987722
申请日：2016-01-04
摘要： Embodiments of the invention are directed to a system, method, or computer program product for providing resource allocation based on available resources via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention provides the interactive resource interface on the mobile device, wherein the interface is configured to receive user input comprising physical gestures. The system identifies a user input comprising a first physical gesture, wherein the physical gesture is associated with one or more gesture attributes. Consequently, the system may initiate a resource transfer between two resources, based on correlating the one or more gesture attributes with the resources.
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