公开(公告)号：US20150032642A1

公开(公告)日：2015-01-29

申请号：US13952029

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 ,  Susan S. Thomas

IPC: G06Q10/00

CPC classification number: G06Q10/20 ,  G06Q20/0453

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 verify ownership information and maintenance/service information of a product. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine ownership information and maintenance/service information of the product from the electronic communication; and generate a profile for the product based on the ownership information and maintenance and service information.

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进行交易以验证产品的所有权信息和维护/服务信息。 在一个实施例中，系统被配置为：识别和检索商家和与交易相关联的客户之间的电子通信; 从电子通信中确定产品的所有权信息和维护/服务信息; 并基于所有权信息和维护和服务信息生成产品的配置文件。

公开(公告)号：US20150287137A1

公开(公告)日：2015-10-08

申请号：US14247010

申请日：2014-04-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Kazi M. Ariff ,  Carol A. Smith ,  Shane A. Johnson ,  Russell W. Tipper ,  Yicong Li ,  Sean M. O'Connor ,  Thomas D. Kelley ,  Susan S. Thomas ,  William F. Borowski ,  William J. Aheron ,  Judith M. Anderson ,  Steven K. Hayes ,  Neal G. Wolfson ,  Jeffrey P. Judd ,  James P. Kirkman ,  Jeffrey H. Bierer

IPC: G06Q40/02

CPC classification number: G06Q40/025

Abstract: Systems, methods, and computer program products are provided for providing a financial health indicator based on the user's credit report score and the user's budget indicator. Implemented in conjunction with a budget tracking system, the invention may provide financial health indicators indicating both short-term budget impact and long-term budget impact. In addition, certain embodiments provide for recognizing recurring expenditures and automatically providing the user with the budget impact of such recurring expenditures as a financial health indicator.

Abstract translation: 提供系统，方法和计算机程序产品，用于根据用户的信用报告分数和用户的预算指标提供财务健康指标。 结合预算跟踪系统实施，本发明可以提供财务健康指标，表明短期预算影响和长期预算影响。 此外，某些实施例规定了识别经常性支出并自动向用户提供诸如财务健康指标之类的经常性支出的预算影响。

公开(公告)号：US20150032602A1

公开(公告)日：2015-01-29

申请号：US13953106

申请日：2013-07-29

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jason P. Blackhurst ,  Matthew A. Calman ,  Laura C. Bondesen ,  Katherine Dintenfass ,  Susan S. Thomas ,  Carrie A. Hanson

IPC: G06Q40/02

CPC classification number: G06Q30/0631 ,  G06Q40/02

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for understanding past transactions based on purchase history. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve information associated with the request from a structured financial account database; and provide a recommendation to the customer based on the request and the information retrieved.

公开(公告)号：US20150032536A1

公开(公告)日：2015-01-29

申请号：US13952156

申请日：2013-07-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Susan S. Thomas ,  Laura C. Bondesen ,  Katherine Dintenfass ,  Carrie A. Hanson ,  Matthew A. Calman ,  Jason P. Blackhurst

IPC: G06Q30/02

CPC classification number: G06Q30/0255

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for offers based on a user's seasonality and gift giving schedule. The apparatus, methods, and computer program products comprise: a memory; a processor; and a module stored in memory, executable by a processor, and configured to: receive information associated with a purchase of an item, wherein the information includes a purchase date; increment a counter associated with the purchase date; determine, in response to incrementing the counter associated with the purchase date, if the counter equals or exceeds a predetermined threshold value; and transmit, in response to determining the counter equals or exceeds a predetermined threshold value, a message to a second apparatus, wherein the message is based on the purchase date.

Abstract translation: 本发明的实施例涉及用于基于用户的季节性和送礼时间表的提供的装置，方法和计算机程序产品。 设备，方法和计算机程序产品包括：存储器; 处理器 以及存储在存储器中的模块，可由处理器执行，并且被配置为：接收与购买项目相关联的信息，其中所述信息包括购买日期; 增加与购买日期相关联的计数器; 响应于增加与购买日期相关联的计数器，确定计数器等于或超过预定阈值; 并且响应于确定所述计数器等于或超过预定阈值，向第二设备发送消息，其中所述消息基于所述购买日期。

公开(公告)号：US20150032521A1

公开(公告)日：2015-01-29

申请号：US13952448

申请日：2013-07-26

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  Carrie A. Hanson ,  Susan S. Thomas ,  Jason Blackhurst ,  Katherine Dintenfass ,  Laura C. Bondesen

IPC: G06Q20/10 ,  G06Q30/02

CPC classification number: G06Q20/10 ,  G06Q30/0215

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for aggregation of savings data from e-receipts. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve an information based on the request from a structured database associated with a customer's financial institution account, wherein the information includes a product purchase associated with the customer's purchase transaction; identify a savings amount associated with the product purchase; and provide the savings amount to the customer.

Abstract translation: 本发明的实施例涉及用于从电子收据汇总储蓄数据的装置，方法和计算机程序产品。 在一些实施例中，设备被配置为从与金融机构帐户相关联的客户接收请求; 根据与客户的金融机构帐户相关联的结构化数据库的请求检索信息，其中所述信息包括与客户的购买交易相关联的产品购买; 确定与产品购买相关的储蓄金额; 并向客户提供储蓄金额。