公开(公告)号：US20140143042A1

公开(公告)日：2014-05-22

申请号：US13682370

申请日：2012-11-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Aditya Bhasin ,  Paul W. Kunkel ,  Marc Jarmosevich ,  Michael F. Petkus ,  Jason K. Springer ,  Randy N. Elden

IPC: G06Q30/02

CPC classification number: G06Q30/0242

Abstract: Consumer behavior may be modeled to measure the effectiveness of consumer marketing campaigns and to calculate the effect of other factors driving consumer behavior in the same markets. A dependent variable, such as product sales, product uses, or customer indications of interest in a product or business, may be associated with a marketing campaign potentially affecting the dependent variable. Data corresponding to the dependent variable for a plurality of markets over a period of time prior to a marketing campaign may be received and analyzed. A market matching process may be performed using the dependent variable data before the start of the marketing campaign, and a difference may be calculated between sets of matching markets for the dependent variable during the marketing campaign. An econometric modeling process may be performed on the calculated difference between the sets of matching markets, to measure the effectiveness of the marketing campaign and calculate the effect of other driving factors.

Abstract translation: 消费者行为可能被模型化，以衡量消费者营销活动的有效性，并计算其他因素驱动消费者行为在同一市场的影响。 产品销售，产品使用或客户对产品或业务感兴趣的因素可能与可能影响因变量的营销活动相关联。 可以接收和分析在营销活动之前的一段时间内与多个市场的因变量相对应的数据。 可以在营销活动开始之前使用因变量数据来执行市场匹配过程，并且可以在营销活动期间在因变量的匹配市场的集合之间计算差异。 可以对所计算的匹配市场集合之间的差异执行计量经济学建模过程，以测量营销活动的有效性并计算其他驱动因素的影响。

公开(公告)号：US20140279453A1

公开(公告)日：2014-09-18

申请号：US13836379

申请日：2013-03-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： William Blake Belchee ,  Aditya Bhasin ,  Laura C. Bondesen ,  Matthew A. Calman ,  David Godsman ,  Cherie Rexroth

IPC: G06Q20/10 ,  G06Q20/02 ,  G06Q20/32

CPC classification number: G06Q20/3276 ,  G06K9/18 ,  G06K9/4604 ,  G06Q20/023 ,  G06Q20/0425 ,  G06Q20/102 ,  G06Q20/32

Abstract: Aspects herein describe at least a new method, system, and computer readable storage media for facilitating bill payment by way of using an image of a check. A computing system may transmit a bill payment request to a wireless computing device associated with an account holder of a bill payment account. The computing system may determine whether an account holder of the bill payment account holds a funding account held at the first organization, and as a result, may transmit a request to the wireless computing device for an image of a check associated with a second organization when the account holder of the bill payment account does not hold a funding account at the first organization. Bill payment may be made by way of an ACH transaction using a routing number and an account number obtained from the image of the check.

Abstract translation: 本文中的方面至少描述了通过使用支票的图像来促进票据支付的新方法，系统和计算机可读存储介质。 计算系统可以向与账单支付账户的账户持有者相关联的无线计算设备发送账单支付请求。 计算系统可以确定帐单支付帐户的账户持有者是否持有在第一组织中持有的资金账户，并且因此可以向无线计算设备发送与第二组织相关联的支票的图像的请求， 帐单支付账户的账户持有人不在第一个组织持有资金账户。 帐单支付可以通过ACH交易使用路由号码和从支票的图像获得的帐号进行。

公开(公告)号：US20160098703A1

公开(公告)日：2016-04-07

申请号：US14951658

申请日：2015-11-25

Applicant: Bank of America Corporation

Inventor： William Blake Belchee ,  Aditya Bhasin ,  Laura C. Bondesen ,  Matthew A. Calman ,  David Godsman ,  Cherie Rexroth

IPC: G06Q20/32 ,  G06K9/46 ,  G06K9/18

CPC classification number: G06Q20/3276 ,  G06K9/18 ,  G06K9/4604 ,  G06Q20/023 ,  G06Q20/0425 ,  G06Q20/102 ,  G06Q20/32

Abstract: Aspects of the disclosure describe systems and methods for analyzing images captured by a mobile communications device. A server may transmit a request for a digital image to the mobile communications device. The mobile communications device may use a camera to capture a digital image in response to receipt of the request. The quality of one or more portions of the digital image may be verified. The mobile communications device may transmit the digital image to the server for further image processing and image analysis. The server may process and analyze the digital image to segment and identify particular regions of interest such as regions having printed or handwritten text. The server may extract the text from the digital image and use the extracted text to execute an automated electronic transaction.

Abstract translation: 本公开的方面描述了用于分析由移动通信设备捕获的图像的系统和方法。 服务器可以向移动通信设备发送数字图像的请求。 移动通信设备可以使用相机来响应于接收到请求来捕获数字图像。 可以验证数字图像的一个或多个部分的质量。 移动通信设备可以将数字图像发送到服务器用于进一步的图像处理和图像分析。 服务器可以处理和分析数字图像以分段和识别感兴趣的特定区域，例如具有打印或手写文本的区域。 服务器可以从数字图像中提取文本，并使用提取的文本执行自动化电子交易。