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公开(公告)号：US09767503B2
公开(公告)日：2017-09-19
申请号：US13690713
申请日：2012-11-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Matthew A. Calman , Elizabeth S. Votaw
CPC classification number: G06Q30/0631 , G06Q30/0261
Abstract: Systems, methods, and computer program products are provided for prompting categorization during payment authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor receive an authorization request for a transaction being conducted by a user; prompt the user to categorize at least one component of the transaction; receive a category from the user for the at least one component of the transaction; and store the category in association with the transaction. In some embodiments, the system will not authorize the transaction until the user categorizes at least one component of the transaction. In further embodiments, the system evaluates the transaction and only prompts the user to categorize the transaction if predefined criteria are met.
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公开(公告)号：US20160300299A1
公开(公告)日：2016-10-13
申请号：US15056440
申请日：2016-02-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Elizabeth S. Votaw , Laura Corinne Bondesen , Matthew A. Calman , Katherine Dintenfass , Candice Michelle Jones , Charles Karim Aweida , Parker Holt Bossier , Rebecca A. Chen , Nandhita Kumar , Min Zhao
CPC classification number: G06Q40/00 , G06Q40/02 , G06Q50/01 , H04L43/04 , H04L67/22 , H04L67/24 , H04L67/306 , H04W64/006
Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system aggregates the activity information for a number of activities based on the location, user, entity, category, cost, time period, or the like and displays the aggregated activity information in an activity review interface. The financial and social management system may supplement the aggregated activity information with educational data.
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公开(公告)号：US20160300298A1
公开(公告)日：2016-10-13
申请号：US15056447
申请日：2016-02-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Elizabeth S. Votaw , Laura Corinne Bondesen , Matthew A. Calman , Katherine Dintenfass , Candice Michelle Jones , Charles Karim Aweida , Parker Holt Bossier , Rebecca A. Chen , Nandhita Kumar , Min Zhao
CPC classification number: G06Q40/00 , G06Q40/02 , G06Q50/01 , H04L43/04 , H04L67/22 , H04L67/24 , H04L67/306 , H04W64/006
Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system aggregates the activity information for a number of activities based on the location, user, entity, category, cost, time period, or the like and displays the aggregated activity information in an activity review interface. The financial and social management system may supplement the aggregated activity information with educational data.
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4.发明申请PROVIDING SOCIAL IMPACT INFORMATION ASSOCIATED WITH IDENTIFIED PRODUCTS OR BUSINESSES 有权提供与认证产品或业务相关的社会影响信息公开(公告)号：US20160267506A1
公开(公告)日：2016-09-15
申请号：US15159504
申请日：2016-05-19
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Erik Stephen Ross , Alfred Hamilton
CPC classification number: G06Q30/0203 , G06F17/30864 , G06Q10/00 , G06Q30/02 , G06Q30/0201 , G06Q30/0625 , G06Q30/0631 , G06Q30/0643 , G06Q50/01 , H04L67/306 , H04N5/23206 , H04W4/02
Abstract: Embodiments of the invention are directed to methods and apparatuses for capturing a real-time video stream using a mobile computing device, determining, using a computing device processor, which images from the real-time video stream are associated with goods and businesses consistent with a predetermined social impact, and presenting on a display of the real-time video stream, one or more indicators, each indicator being associated with an image determined to be consistent with a predetermined social impact.
Abstract translation: 本发明的实施例涉及用于使用移动计算设备捕获实时视频流的方法和装置，使用计算设备处理器确定来自实时视频流的哪些图像与与 预定的社会影响，以及在实时视频流的显示上呈现一个或多个指示符，每个指示符与被确定为与预定的社会影响一致的图像相关联。
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5.发明申请RETRIEVING PRODUCT INFORMATION FROM EMBEDDED SENSORS VIA MOBILE DEVICE VIDEO ANALYSIS 审中-公开通过移动设备视频分析从嵌入式传感器检索产品信息公开(公告)号：US20160171306A1
公开(公告)日：2016-06-16
申请号：US15048011
申请日：2016-02-19
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Erik Stephen Ross , Alfred Hamilton
CPC classification number: G06K9/00671 , G06K9/00711 , G06K9/62 , G06K2209/27 , G06Q10/00 , G06Q10/06315 , G06Q20/12 , G06Q20/322 , G06Q20/3278 , G06Q30/02 , G06Q30/0623 , G06Q30/0635 , G06Q30/0641 , G06Q30/0643 , G06T19/006 , H04W4/70
Abstract: A system for accessing product information from embedded sensors via mobile device video analysis is disclosed. The system includes a processing device configured for analyzing a video stream of the surrounding environment captured on a mobile device. At least one product that has one or more embedded sensors associated therewith is identified within the surrounding environment. The system retrieves information associated with the one or more products from the one or more embedded sensors. Information retrieved, or information derived from the information retrieved, from the embedded sensors is presented to the user via a display of the video stream on the mobile device.
Abstract translation: 公开了一种通过移动设备视频分析从嵌入式传感器访问产品信息的系统。 该系统包括配置用于分析在移动设备上捕获的周围环境的视频流的处理设备。 在周围环境中识别至少一个具有与其相关联的一个或多个嵌入式传感器的产品。 系统从一个或多个嵌入式传感器检索与一个或多个产品相关联的信息。 通过在移动设备上的视频流的显示，从嵌入式传感器检索到的信息或从检索到的信息得到的信息被呈现给用户。
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Patent Agency Ranking
公开(公告)号：US20160162964A1
公开(公告)日：2016-06-09
申请号：US15045182
申请日：2016-02-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Erik Stephen Ross , Alfred Hamilton
CPC classification number: G06Q30/0605 , G06Q30/02 , G06Q30/0613 , G06Q30/0623 , G06Q30/0635 , G06Q30/0641 , G06Q50/01 , G06T19/006 , G09G5/003 , G09G2370/022 , H04L65/403 , H04L65/60
Abstract: Embodiments of the invention provide for using video analysis, such as augmented reality or the like to assist a group of users to utilize mobile devices for creating a collective network environment of users that identifies objects in which one or more users in a group of users may be interested, and notifies the one or more users of information associated with the object. A collective network comprises a group of users that each have a mobile device that contains or is otherwise operatively coupled to a data capture device. For example, the mobile device may be a mobile phone that is capable of taking video with a camera device. A user in the collective network may capture video on his mobile device, and an application can identify the object in the video and provide interested users in the collective network with information about the object.
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公开(公告)号：US20160148127A1
公开(公告)日：2016-05-26
申请号：US15009524
申请日：2016-01-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Lee Harkey , David M. Grigg , Laura Corinne Bondesen , Matthew A. Calman
CPC classification number: G06Q10/02 , G06Q10/04 , G06Q30/0601 , G06Q30/0619 , G06Q50/01 , G06Q50/10 , H04L67/18 , H04W4/02 , H04W4/021
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant.
Abstract translation: 本发明的实施例涉及用于提供地理位置登记系统的系统，方法和计算机程序产品。 示例性装置被配置为收集与用户相关的定位数据。 在收集位置数据之后，装置可以被配置为至少部分地基于用户已经越过与商家的位置相关联的地理围栏的阈值的定位数据来确定。 至少部分地基于该确定，该装置可以被配置为发起与用户相关联的商家签入并向用户传送用户信息。
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公开(公告)号：US20160098703A1
公开(公告)日：2016-04-07
申请号：US14951658
申请日：2015-11-25
Applicant: Bank of America Corporation
Inventor： William Blake Belchee , Aditya Bhasin , Laura C. Bondesen , Matthew A. Calman , David Godsman , Cherie Rexroth
CPC classification number: G06Q20/3276 , G06K9/18 , G06K9/4604 , G06Q20/023 , G06Q20/0425 , G06Q20/102 , G06Q20/32
Abstract: Aspects of the disclosure describe systems and methods for analyzing images captured by a mobile communications device. A server may transmit a request for a digital image to the mobile communications device. The mobile communications device may use a camera to capture a digital image in response to receipt of the request. The quality of one or more portions of the digital image may be verified. The mobile communications device may transmit the digital image to the server for further image processing and image analysis. The server may process and analyze the digital image to segment and identify particular regions of interest such as regions having printed or handwritten text. The server may extract the text from the digital image and use the extracted text to execute an automated electronic transaction.
Abstract translation: 本公开的方面描述了用于分析由移动通信设备捕获的图像的系统和方法。 服务器可以向移动通信设备发送数字图像的请求。 移动通信设备可以使用相机来响应于接收到请求来捕获数字图像。 可以验证数字图像的一个或多个部分的质量。 移动通信设备可以将数字图像发送到服务器用于进一步的图像处理和图像分析。 服务器可以处理和分析数字图像以分段和识别感兴趣的特定区域，例如具有打印或手写文本的区域。 服务器可以从数字图像中提取文本，并使用提取的文本执行自动化电子交易。
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公开(公告)号：US20150081467A1
公开(公告)日：2015-03-19
申请号：US14550253
申请日：2014-11-21
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw
IPC: G06Q30/08
CPC classification number: G06Q30/08
Abstract: Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user.
Abstract translation: 提供了用于提供用户驱动的反向拍卖的系统和方法。 系统和方法使用户能够针对产品或服务请求出价，接收出价以响应优惠并管理出价。 所述方法提供在计算设备处接收来自用户对产品或服务的报价的请求，所述请求包括搜索准则; 基于所述搜索标准，经由所述计算设备识别所述产品或服务的至少一个商家; 将所述请求发送到所述至少一个商家并从所述至少一个商家接收一个或多个出价; 以及通过计算设备将一个或多个出价呈现给用户。
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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。
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