公开(公告)号：US20140279409A1

公开(公告)日：2014-09-18

申请号：US13803672

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Scott Lee Harkey ,  Laura Corinne Bondesen ,  Robert Scott Ellis ,  Tony England

IPC: G06Q40/00

CPC classification number: G06Q40/00

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending a payment vehicle for a transaction, retroactively. In this way, the invention provides retroactive payment vehicle recommendation after the transaction has occurred based on criteria from customer inputs, customer in-flows, and customer out-flows. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. Subsequently the system may apply the transaction to the determined recommended payment vehicle. Then the temporary line of credit may be terminated.

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，用于追溯地推荐用于交易的支付车辆。 以这种方式，本发明根据客户输入，客户流入和客户流出的标准，在交易发生后提供追溯支付车辆推荐。 以这种方式，客户可以使用临时信用额度与商家完成交易。 随后，系统可以将交易应用于确定的推荐支付车辆。 那么临时信用额度可能会被终止。

公开(公告)号：US20140279003A1

公开(公告)日：2014-09-18

申请号：US13803353

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Laura Corinne Bondesen ,  Robert Scott Ellis

IPC: G06Q30/02

CPC classification number: G06Q30/0261

Abstract: Systems, methods, and computer program products enhance the affinity experience for affinity account holders by providing topic notifications related to the user's geographic location. In the various systems, location data is received from a mobile device of the user that is in communication with the system, a geographic area of the mobile device is identified based on the location data, at least a portion of the geographic area associated with an affinity object associated with a financial vehicle of the user is determined, and one or more topics associated with the affinity object is identified based on the geographic area.

Abstract translation: 系统，方法和计算机程序产品通过提供与用户的地理位置相关的主题通知来增强亲和力帐户持有者的亲和体验。 在各种系统中，从与系统通信的用户的移动设备接收位置数据，基于位置数据来识别移动设备的地理区域，与地理区域相关联的至少一部分地理区域 确定与用户的金融车辆相关联的亲和度对象，并且基于该地理区域来识别与该关联对象相关联的一个或多个主题。

公开(公告)号：US20140278897A1

公开(公告)日：2014-09-18

申请号：US13803720

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Scott Lee Harkey ,  Laura Corinne Bondesen ,  Robert Scott Ellis

IPC: G06Q30/02

CPC classification number: G06Q30/0233

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction on a product-by-product basis based on available rewards for each product. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. The invention may then apply individual products of the transaction to different recommended payment vehicles based on the maximum rewards each product may receive if applied to that payment vehicle. Once each product of the transaction has been reassigned to a recommended payment vehicle, the temporary line of credit may be terminated.

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，用于基于每个产品的可用奖励，逐个产品推荐用于交易的支付车辆。 以这种方式，客户可以使用临时信用额度与商家完成交易。 然后，本发明可以基于每个产品如果应用于该支付车辆可以接收的最大奖励，将交易的各个产品应用于不同的推荐支付车辆。 一旦交易的每个产品被重新分配到推荐的付款工具，临时信用额度可能会被终止。

公开(公告)号：US20140279505A1

公开(公告)日：2014-09-18

申请号：US13803682

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Scott Lee Harkey ,  Laura Corinne Bondesen ,  Robert Scott Ellis

IPC: G06Q20/22

CPC classification number: G06Q20/227 ,  G06Q30/0645

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction based on social network data. Embodiments of the invention allow a customer to receive a recommended payment vehicle for a transaction with a merchant where the recommended payment vehicle is determined based on social network data. In this way, a payment recommendation may be based on one or more preferences of a trusted advisor, social network friend, family member, celebrity, or an aggregation of data related to how a group of individuals on a social network are selecting payment vehicles for various merchants. The invention may review this social network data and provide the customer with a payment vehicle recommendation for a transaction with a merchant.

Abstract translation: 本发明的实施例涉及一种用于基于社交网络数据为交易推荐支付车辆的系统，方法或计算机程序产品。 本发明的实施例允许客户接收与商户的交易的推荐支付车辆，其中基于社交网络数据确定推荐支付车辆。 以这种方式，支付建议可以基于信任顾问，社交网络朋友，家庭成员，名人或与社交网络上的一组个人如何选择支付车辆的数据的一个或多个偏好相关联 各种商人。 本发明可以审查这种社交网络数据，并向客户提供与商家进行交易的支付车辆推荐。

公开(公告)号：US20140279002A1

公开(公告)日：2014-09-18

申请号：US13803340

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Laura Corinne Bondesen ,  Robert Scott Ellis

IPC: G06Q30/02

CPC classification number: G06Q30/0261

Abstract: Systems, methods, and computer program products enhance the affinity experience for affinity account holders by providing offers related to the user's geographic location. In the various systems, location data is received from a mobile device of the user that is in communication with the system, a geographic area of the mobile device is identified based on the location data, at least a portion of the geographic area associated with an affinity object associated with a financial vehicle of the user is determined, and one or more offers associated with the affinity object is identified based on the geographic area.

Abstract translation: 系统，方法和计算机程序产品通过提供与用户地理位置相关的优惠，增强了亲和力账户持有者的亲和体验。 在各种系统中，从与系统通信的用户的移动设备接收位置数据，基于位置数据来识别移动设备的地理区域，与地理区域相关联的至少一部分地理区域 确定与用户的金融车辆相关联的亲和度对象，并且基于该地理区域来识别与该关联对象相关联的一个或多个提供。