公开(公告)号：US20140279006A1

公开(公告)日：2014-09-18

申请号：US13827734

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Susan Smith Thomas ,  Laura Corinne Bondesen ,  David M. Grigg

IPC: G06Q30/02

CPC classification number: G06Q30/0215

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a credit account a location of a consumer having the credit account. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with a mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine a balance value of the credit account of the consumer; and (d) determine an offer to present to the consumer based at least partially on the balance value of the credit account and a determined location of the consumer.

Abstract translation: 本发明的实施例涉及用于基于具有该信用账户的消费者的位置的信用账户的余额确定提供的系统，方法和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收与消费者的移动计算设备相关联的地理位置信息; （b）接收与消费者的信用账户有关的信息，其中消费者是信用账户的持有人; （c）确定消费者信用账户的余额值; 以及（d）至少部分地基于所述信用账户的余额值和消费者的确定位置确定向消费者呈现的要约。

公开(公告)号：US08744968B1

公开(公告)日：2014-06-03

申请号：US13800916

申请日：2013-03-13

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  Susan Smith Thomas ,  Scott Lee Harkey ,  Laura Bondesen ,  Matthew A. Calman

IPC: G06Q10/00 ,  G06Q40/00

CPC classification number: G06Q20/3224 ,  G06Q10/00 ,  G06Q40/00

Abstract: Systems, methods and computer programs provide for automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device. The described embodiments provide for the activity participant to automatically pay for the activity based on their presence at the activity location and agreement to participate. As such, the need to check-in and/or pay for the activity at a conventional payment counter is eliminated. Further, the invention provides for an automatic final payment to be made at the conclusion of the activity as opposed to having to pre-pay for the activity prior to conducting the activity. By remitting final payment at the completion of the activity, activity pricing can be accurately determined based on the amount and/or time of the activity in which the activity participant participated.

Abstract translation: 系统，方法和计算机程序提供基于确定活动参与者的移动通信设备的位置的活动的自动初始和最终支付。 所描述的实施例提供活动参与者基于他们在活动位置的存在和参与协议来自动支付活动。 因此，消除了在常规支付柜台登记和/或支付活动的需要。 此外，本发明提供了在活动结束时自动最终付款，而不是在进行活动之前必须预付活动费用。 通过在活动完成后汇报最终付款，可以根据活动参与者参与的活动的数量和/或时间准确确定活动定价。

公开(公告)号：US20140279483A1

公开(公告)日：2014-09-18

申请号：US13804095

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Eileen D. Bridges ,  Lisa Gibson ,  James G. Ronca ,  Mark D. Zanzot ,  Susan Smith Thomas

IPC: G06Q20/16

CPC classification number: G06Q20/027 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/3276

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for making a payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia and payment information from a second apparatus, wherein the payment information comprises an amount of funds; identify an account associated with the readable indicia based on searching a database of records; process the payment information, wherein processing the payment information comprises transmitting to the identified account the determined amount of funds; transmit an acknowledgement of payment transfer to a third apparatus associated with the identified account.

Abstract translation: 本发明的实施例涉及用于通过传送网络进行支付的系统，方法和计算机程序产品。 在一些实施例中，第一装置被配置为：从第二装置接收可读标记和支付信息，其中所述支付信息包括一定数量的资金; 基于搜索记录数据库识别与可读标记相关联的帐户; 处理支付信息，其中处理支付信息包括向确定的账户传送所确定的资金数量; 将支付转移确认传送给与所识别的帐户相关联的第三设备。

公开(公告)号：US20140279005A1

公开(公告)日：2014-09-18

申请号：US13827664

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Susan Smith Thomas ,  Laura Corinne Bondesen ,  David M. Grigg

IPC: G06Q30/02

CPC classification number: G06Q30/0215

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for presenting an offer to a consumer based on account balance information and consumer location information. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with the mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine whether the balance value of the credit account has an existing balance value greater than zero; and (d) present, via the mobile computing device of the consumer, the offer to the consumer based at least in part on determining that the geographic location of the mobile device of the consumer is proximate to or coincident with a location of the merchant and determining that the existing balance value of the credit account associated with the merchant is greater than zero.

Abstract translation: 本发明的实施例涉及用于基于帐户余额信息和消费者位置信息向消费者呈现提供的系统，方法和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收与消费者的移动计算设备相关联的地理位置信息; （b）接收与消费者的信用账户有关的信息，其中消费者是信用账户的持有人; （c）确定信用账户的余额值是否具有大于零的现有余额值; 以及（d）至少部分地基于确定消费者的移动设备的地理位置与商家的位置接近或一致地经由消费者的移动计算设备呈现给消费者的提议，以及 确定与商家相关联的信用账户的现有余额值大于零。

公开(公告)号：US20140278989A1

公开(公告)日：2014-09-18

申请号：US13828819

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg ,  Laura Corinne Bondesen ,  Susan Smith Thomas

IPC: G06Q30/02

CPC classification number: G06Q30/0215

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a prepaid account and a location of a consumer who is the holder of the prepaid account. In some embodiments, a method is provided that includes: (a) receiving geographic location information associated with a consumer; (b) receiving information associated with the prepaid account of the consumer, wherein the consumer is a holder of the prepaid account; (c) determining a balance value of the prepaid account of the consumer; and (d) determining an offer to present to the consumer based at least partially on the balance value of the prepaid account and the location of the consumer.

Abstract translation: 本发明的实施例涉及用于基于预付帐户的余额值和作为预付帐户持有者的消费者的位置来确定报价的系统，方法和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收与消费者相关联的地理位置信息; （b）接收与消费者的预付帐户相关联的信息，其中消费者是预付帐户的持有人; （c）确定消费者预付账款的余额; 和（d）至少部分地基于预付帐户的余额值和消费者的位置来确定向消费者呈现的要约。

公开(公告)号：US20140172559A1

公开(公告)日：2014-06-19

申请号：US13713585

申请日：2012-12-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Carrie Anne Hanson ,  David M. Grigg ,  Susan Smith Thomas ,  Peter John Bertanzetti ,  Elizabeth S. Votaw

IPC: G06Q40/00

CPC classification number: G06Q30/0261 ,  G06Q20/3224

Abstract: Systems, methods, and computer program products are provided for providing a notification to a consumer based on the location of the consumer. 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 cause the processor to receive a goal corresponding to a specific product a consumer desires to purchase; determine a location associated with a mobile device of the consumer; identify a merchant that is located at or near the location associated with the mobile device of the consumer; determine whether the merchant offers for sale the specific product associated with the goal; provide a notification to the mobile device associated with the consumer based at least in part on determining that the merchant offers for sale the product, the notification comprising information related to the user's progress towards the goal.

Abstract translation: 提供系统，方法和计算机程序产品，用于基于消费者的位置向消费者提供通知。 该系统包括包括处理器和存储器的计算机装置; 以及存储在存储器中的软件模块。 软件模块包括可执行指令，使得处理器接收与消费者想要购买的特定产品相对应的目标; 确定与消费者的移动设备相关联的位置; 识别位于与消费者的移动设备相关联的位置处或附近的商家; 确定商家是否提供出售与目标相关联的特定产品; 至少部分地基于确定商家提供销售产品来向与消费者相关联的移动设备提供通知，该通知包括与用户朝向目标的进展有关的信息。

公开(公告)号：US20140156328A1

公开(公告)日：2014-06-05

申请号：US13691136

申请日：2012-11-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Carlos Vieira ,  Susan Smith Thomas

IPC: G06Q10/06

CPC classification number: G06Q10/1097 ,  G06F17/30884 ,  G06Q10/063114 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q30/016 ,  G06Q30/06 ,  G06Q30/0635 ,  G06Q40/00

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transaction queuing. In some embodiments, a system is configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; and perform the preliminary work associated with the intended transaction. The preliminary work is placed on a transaction queue until the user arrives at the facility.

Abstract translation: 本发明的实施例涉及用于事务排队的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：接收与预期交易相关联的信息，其中用户将在用户定义的时间在设施处执行预期交易; 确定与在用户定义的时间之前可执行的预期交易相关联的初步工作; 并执行与预期交易相关的初步工作。 初步工作被放置在交易队列上，直到用户到达设施。

公开(公告)号：US09501765B2

公开(公告)日：2016-11-22

申请号：US14977139

申请日：2015-12-21

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  Carlos Vieira ,  Susan Smith Thomas

IPC: G06Q10/10 ,  G06Q10/06 ,  G06Q20/32 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q30/00 ,  G06F17/30

CPC classification number: G06Q10/1097 ,  G06F17/30884 ,  G06Q10/063114 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q30/016 ,  G06Q30/06 ,  G06Q30/0635 ,  G06Q40/00

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transaction queuing. In some embodiments, a system is configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; and perform the preliminary work associated with the intended transaction. The preliminary work is placed on a transaction queue until the user arrives at the facility.

公开(公告)号：US20140279009A1

公开(公告)日：2014-09-18

申请号：US13828969

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Susan Smith Thomas

IPC: G06Q30/02

CPC classification number: G06Q30/0261

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transmitting an offer to a user associated with an account. An exemplary apparatus is configured to: determine, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location; in response to determining the mobile device is within the predetermined distance of the reference location, transmit an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and provide an option for the user to accept the offer via the mobile device.

Abstract translation: 本发明的实施例涉及用于向与帐户相关联的用户发送报价的系统，方法和计算机程序产品。 示例性设备被配置为：基于与与用户相关联的移动设备相关联的地理位置信息来确定移动设备是否在参考位置的预定距离内; 响应于确定所述移动设备在所述参考位置的预定距离内，向所述移动设备发送报价，其中所述报价与产品或服务相关联，并且其中所述报价已经被先前传达给所述用户; 并为用户提供通过移动设备接受报价的选项。

公开(公告)号：US20140279004A1

公开(公告)日：2014-09-18

申请号：US13826403

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Susan Smith Thomas ,  Matthew A. Calman ,  David M. Grigg

IPC: G06Q30/02

CPC classification number: G06Q30/0261

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for micro-targeting an offer based on geolocation information. An exemplary apparatus is configured to: determine a first user is accessing an account, wherein the account is associated with a first user and a second user, wherein the account is presented on a user interface; and in response to determining the first user is accessing the account, transmit a first offer to the first user based on geolocation information associated with the first user, wherein the first offer is presented on the user interface, and wherein the first offer enables the first user to receive a discount or a rebate on a transaction associated with the first offer. The apparatus may also be configured to transmit, in real-time, offers to the first user based on at least one of real-time or historical geolocation information associated with the first user.

Abstract translation: 本发明的实施例涉及用于基于地理定位信息来微报价的系统，方法和计算机程序产品。 示例性装置被配置为：确定第一用户正在访问帐户，其中所述帐户与第一用户和第二用户相关联，其中所述帐户被呈现在用户界面上; 并且响应于确定所述第一用户正在访问所述帐户，基于与所述第一用户相关联的地理位置信息向所述第一用户发送第一优惠，其中所述第一优惠被呈现在所述用户界面上，并且其中所述第一优惠启用所述第一用户 用户接收与首次报价相关的交易的折扣或折扣。 该装置还可以被配置为基于与第一用户相关联的实时或历史地理定位信息中的至少一个，实时地向第一用户发送提供。