公开(公告)号：US20170076383A1

公开(公告)日：2017-03-16

申请号：US14853649

申请日：2015-09-14

申请人： BANK OF AMERICA CORPORATION

发明人： Katherine Dintenfass ,  Scott R. Enscoe ,  Alicia C. Jones-McFadden ,  Matthew Hsieh ,  Kevin Andrew O'Neil, JR. ,  William F. Borowski ,  Minh Nguyen Vuong

IPC分类号： G06Q40/06

CPC分类号： G06Q40/06

摘要： The present disclosure describes restructuring accounts and assets of a user based on analysis of the intentions of the user and/or beneficiaries to the accounts of the user. Embodiments herein disclosed describe systems, methods, and computer program products for receiving information about a user, accounts associated with the user, and beneficiaries associated with the accounts. Some embodiments include receiving intentions of the user and/or the beneficiaries, including goals and investment strategies for how the user and the beneficiary wish to manage the funds in the user's accounts. Some embodiments include determining at least one asset structure model based on the accounts of the user, the user information, the beneficiary information, and the intentions of the user and/or the beneficiaries. In some embodiments, the user may select an asset structure model, which will then be applied to the accounts of the user.

摘要翻译： 本公开描述了基于用户和/或受益人对用户的帐户的意图的分析的用户的重组帐户和资产。 本文公开的实施例描述了用于接收关于用户的信息，与用户相关联的帐户以及与账户相关联的受益者的系统，方法和计算机程序产品。 一些实施例包括接收用户和/或受益人的意图，包括用户和受益人希望如何管理用户帐户中的资金的目标和投资策略。 一些实施例包括基于用户的帐户，用户信息，受益人信息以及用户和/或受益者的意图确定至少一个资产结构模型。 在一些实施例中，用户可以选择资产结构模型，然后将其应用于用户的帐户。

公开(公告)号：US20170076382A1

公开(公告)日：2017-03-16

申请号：US14853600

申请日：2015-09-14

申请人： BANK OF AMERICA CORPORATION

发明人： Katherine Dintenfass ,  Scott R. Enscoe ,  Alicia C. Jones-McFadden ,  Matthew Hsieh ,  Kevin Andrew O'Neil, JR. ,  William F. Borowski ,  Minh Nguyen Vuong

IPC分类号： G06Q40/06

CPC分类号： G06Q40/06

摘要： Embodiments of the invention are directed to systems, methods, and computer program products for dynamic generation of allocation guide for assets. The system is configured for receiving information associated with a state residency of the user; retrieving one or more state laws associated with the state residency of the user; retrieving information associated with allocation of assets from the one or more sources to the one or more accounts associated with the one or more beneficiaries; dynamically generating a will draft; and transmitting the will draft to the user.

摘要翻译： 本发明的实施例涉及用于动态生成资产分配指南的系统，方法和计算机程序产品。 该系统被配置为用于接收与用户的状态驻留相关联的信息; 检索与用户的状态相关联的一个或多个州法律; 从与所述一个或多个来源相关联的所述一个或多个帐户相关联的与所述一个或多个受益者相关联的资产的相关联的信息; 动态产生意愿稿; 并将该草案传送给用户。

公开(公告)号：US20170126581A1

公开(公告)日：2017-05-04

申请号：US14928789

申请日：2015-10-30

申请人： BANK OF AMERICA CORPORATION

发明人： Cameron D. Wadley ,  Minh Nguyen Vuong

IPC分类号： H04L12/917

CPC分类号： H04L47/76

摘要： The present invention provides automatic resource re-allocation based on resource utilization determination. Specific the invention provides for logically determining the volume of re-allocation based on monitoring prior use patterns of the resources and future planned utilization. In addition, resources may be monitored to determine the optimal time for re-allocating resources. In response to the invention determining a volume of re-allocation and, in some embodiments, time for re-allocation, resources can be automatically re-allocated.

公开(公告)号：US20170076381A1

公开(公告)日：2017-03-16

申请号：US14853596

申请日：2015-09-14

申请人： BANK OF AMERICA CORPORATION

发明人： Katherine Dintenfass ,  Scott R. Enscoe ,  Alicia C. Jones-McFadden ,  Matthew Hsieh ,  Kevin Andrew O'Neil, JR. ,  William F. Borowski ,  Minh Nguyen Vuong

IPC分类号： G06Q40/06

CPC分类号： G06Q40/06

摘要： Embodiments of the invention are directed to systems, methods, and computer program products for assessment of allocated assets. The system is configured to monitor user finances and/or a financial status associated with one or more beneficiaries; receive a user selection of a source of user asset; retrieve information associated with the selected source of user asset; retrieve information from the source; transform the retrieved information into a first data format; receive a user selection of an account associated with a beneficiary; and reallocate funds from the source of user asset to the account of the beneficiary.

摘要翻译： 本发明的实施例涉及用于评估分配的资产的系统，方法和计算机程序产品。 该系统被配置为监视与一个或多个受益者相关联的用户财务和/或财务状况; 接收用户选择的用户资产来源; 检索与选定的用户资源来源相关联的信息; 从源中检索信息; 将检索到的信息转换为第一数据格式; 接收与受益人相关联的帐户的用户选择; 并将资金从用户资产来源重新分配给受益人账户。