公开(公告)号：US20150088751A1

公开(公告)日：2015-03-26

申请号：US14558986

申请日：2014-12-03

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Marc I. Warshawsky ,  Raja Bose

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/4016 ,  G06Q40/00

Abstract: Embodiments of the invention provide misappropriation protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location.

Abstract translation: 本发明的实施例提供了用户位置验证的盗用保护。 所述方法，装置和计算机程序产品至少部分地基于确定与与交易相关联的账户持有者相关联的移动设备位于距与所述交易相关联的位置在预定距离内的方式来批准交易。 在移动设备位于与交易相关联的位置之外的预定距离之外的一些示例实施方式中，接收与之前批准的交易相关联的信息，并且至少部分地基于事先批准的交易已经发生在同一事件的确定 位置。

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。