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公开(公告)号：US20170193604A1
公开(公告)日：2017-07-06
申请号：US14987145
申请日：2016-01-04
Applicant: Bank of America Corporation
Inventor： Joseph Neil Johansen , Christopher Shawn Vale , Alexander C. Wittkowski , Anthony David Guido , Robert Scott Seidman , Michael Ma
CPC classification number: G06Q40/06
Abstract: Embodiments of the invention provide for systems, computer program products, and methods for a financial wellness application that provides an overview of the financial well-being of users. The financial wellness of the users may be determined by identifying personal characteristics of the users regarding background information about the users and the users' households. Based on a user's personal characteristics, financial wellness questions are determined from a plurality of financial wellness questions to present to the user for which the user provides financial wellness input. The financial wellness input is transformed into a financial situation assessment, day-to-day management assessment, and preparation for the future assessment, which are transformed into an overall wellness score. Moreover, the financial wellness input may also be compared against financial wellness thresholds. As such, when the user's financial wellness input fails to meet the threshold values it may trigger the display of actionable advice for the user.
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公开(公告)号：US20160300204A1
公开(公告)日：2016-10-13
申请号：US14685468
申请日：2015-04-13
Applicant: BANK OF AMERICA CORPORATION
Inventor： Anthony David Guido , Melanie Ann Soranno , Jeffrey John Parker , Amanda Jane Holcomb , Richard Andrew Starbuck , James Kevin Cobb , Dariane Katinka Hunt , Jay G. Frater , Robert Osmer
IPC: G06Q20/10
CPC classification number: G06Q20/108 , G06F3/017
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide access to a funds transfer management portal that interfaces with at least one database to access a customer's financial information for use in presenting account activity associated with at least one of the customer's accounts maintained by a financial institution. The system receives a request to view account activity in which the request specifies a format for viewing the account activity. In response to receiving the request, the system retrieves data related to one or more funds transfers associated with the at least one account and present the account activity in the requested format for viewing the account activity.
Abstract translation: 本发明的实施例涉及用于简化客户金融和客户货币管理平台并提供电子财务管理的系统，方法和计算机程序产品。 示例性装置可以被配置为提供对与至少一个数据库接口的资金转账管理门户的访问，以访问客户的财务信息，以用于呈现与由金融机构维护的客户账户中的至少一个相关联的账户活动。 系统收到查看帐户活动的请求，其中请求指定用于查看帐户活动的格式。 响应于接收到请求，系统检索与至少一个帐户相关联的一个或多个资金转账相关的数据，并以所请求的格式显示帐户活动以查看账户活动。
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公开(公告)号：US20160267599A1
公开(公告)日：2016-09-15
申请号：US14657801
申请日：2015-03-13
Applicant: Bank of America Corporation
Inventor： Joseph Neil Johansen , Anthony David Guido
IPC: G06Q40/06
CPC classification number: G06Q40/06
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; determine a financial institution product based on the customer's finances and the customer's financial goals; and provide indication of how the financial institution product impacts the customer's finances.
Abstract translation: 本发明的实施例涉及用于简化客户金融和客户资金管理平台的系统，方法和计算机程序产品。 示例性设备可以被配置为提供财务管理应用，其中财务管理应用与网络银行平台接口以访问客户的财务信息以用于简化客户的财务和货币管理策略; 根据客户的财务状况和客户的财务目标确定金融机构产品; 并提供金融机构产品如何影响客户财务状况的指示。
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公开(公告)号：US20160300198A1
公开(公告)日：2016-10-13
申请号：US14685476
申请日：2015-04-13
Applicant: BANK OF AMERICA CORPORATION
Inventor： Anthony David Guido , Melanie Ann Soranno , Jeffrey John Parker , Amanda Jane Holcomb , Richard Andrew Starbuck , James Kevin Cobb , Dariane Katinka Hunt , Jay G. Frater , Robert Osmer
IPC: G06Q20/10
CPC classification number: G06Q20/10
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide access to a funds transfer management portal that interfaces with at least one database to access a customer's contact information and external account information for use in presenting contact and accounts associated with the customer. The system presents a consolidated view of both the customer's contacts and external account. Transfers are then processed using at least one of the contact information associated with the one or more contacts and the account information associated with the one or more external accounts.
Abstract translation: 本发明的实施例涉及用于简化客户金融和客户货币管理平台并提供电子财务管理的系统，方法和计算机程序产品。 示例性装置可以被配置为提供对与至少一个数据库接口的资金转账管理门户的访问，以访问客户的联系人信息和外部帐户信息，以用于呈现与客户相关联的联系人和帐户。 该系统提供了客户联系人和外部帐户的统一视图。 然后使用与一个或多个联系人相关联的联系信息和与一个或多个外部帐户相关联的帐户信息中的至少一个来处理转移。
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5.发明申请公开(公告)号：US20160300199A1
公开(公告)日：2016-10-13
申请号：US14685481
申请日：2015-04-13
Applicant: Bank Of America Corporation
Inventor： Anthony David Guido , Melanie Ann Soranno , Jeffrey John Parker , Amanda Jane Holcomb , Richard Andrew Starbuck , James Kevin Cobb , Dariane Katinka Hunt , Jay G. Frater , Robert Osmer
IPC: G06Q20/10 , G06F3/0484
CPC classification number: G06Q20/10
Abstract: Efficient and easy scheduling of future transfers and, specifically, recurring future transfers is provided for within a consolidated fund transfer management platform. In this regard, the platform is configured to identify transfer patterns based on a customer's historical fund transfers and the customer's current transfer request inputs, such as transferor account, transferee/transferee account, transfer amount and the like. In response to identifying the transfer pattern, the platform is configured to suggest to the customer setting-up a recurring transfer, such that future transfers indicated in the pattern will occur automatically on a recurring basis. Once the customer has selected the suggested recurring transfer option the customer is presented with applicable frequency and duration options for establishing the recurring transfer. In this regard, the platform is highly intuitive to the user, such that the user can easily configure future transfers and, specifically, future recurring transfers.
Abstract translation: 在综合资金转移管理平台内提供了有效和轻松地安排未来转移，特别是经常性的未来转移。 在这方面，该平台被配置为基于客户的历史资金转移和客户的当前转移请求输入（例如转账者，受让人/受让人账户，转账金额等）来识别转账模式。 响应于识别传输模式，平台被配置为向客户建议重复的传送，使得在模式中指示的未来传输将在循环的基础上自动发生。 一旦客户选择了建议的周期性转账选项，客户就可以看到适用的频次和期限选项，用于建立定期转账。 在这方面，该平台对于用户来说是非常直观的，使得用户可以容易地配置将来的转移，具体地说，将来会定期进行转移。
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Patent Agency Ranking
公开(公告)号：US20160267596A1
公开(公告)日：2016-09-15
申请号：US14657488
申请日：2015-03-13
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Neil Johansen , Anthony David Guido
IPC: G06Q40/06
CPC classification number: G06Q40/06
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide a financial management application that interfaces with an online banking platform to access a customer's financial information to receive a request to process a simulated investment, where the request specifies a virtual investment amount and one or more financial products. In response to receiving the request to process a simulated investment, the system may execute a simulation algorithm that calculates the effect of virtual investment amount on the one or more financial products and display the calculated effect of depositing the virtual investment amount into the one or more financial products.
Abstract translation: 本发明的实施例涉及用于简化客户金融和客户货币管理平台并提供电子财务管理的系统，方法和计算机程序产品。 示例性装置可以被配置为提供与网络银行平台接口以访问客户的财务信息以接收处理模拟投资的请求的财务管理应用，其中请求指定虚拟投资金额和一个或多个金融产品。 响应于接收到处理模拟投资的请求，系统可以执行计算虚拟投资金额对一个或多个金融产品的影响的模拟算法，并且将计算出的将虚拟投资金额存入一个或多个 理财产品。
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公开(公告)号：US20160267582A1
公开(公告)日：2016-09-15
申请号：US14657516
申请日：2015-03-13
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Neil Johansen , Anthony David Guido
IPC: G06Q40/00
CPC classification number: G06Q40/00
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing financial decision simulations. An exemplary apparatus may be configured to provide access to a financial management dashboard that interfaces with an online banking platform to access a customer's financial information to present a holistic financial view of the customer that comprises one or more financial parameters associated with the customers current finances. The financial management application dashboard may comprise at least one adjustment device for altering the one or more financial parameters associated with the customers finances such that a simulation algorithm is executed in response to the customer adjusting the at least one financial parameter. The system may then present an updated holistic financial view of the customer's future finances.
Abstract translation: 本发明的实施例涉及用于简化客户金融和客户资金管理平台并提供财务决策模拟的系统，方法和计算机程序产品。 示例性设备可以被配置为提供对与网络银行平台接口的财务管理仪表板的访问，以访问客户的财务信息以呈现包括与客户当前财务相关联的一个或多个财务参数的客户的整体财务视图。 财务管理应用程序仪表板可以包括至少一个调整装置，用于改变与客户资金相关联的一个或多个财务参数，使得响应于客户调整至少一个财务参数来执行模拟算法。 然后，系统可以呈现客户未来财务的更新的整体财务视图。
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公开(公告)号：US10163083B2
公开(公告)日：2018-12-25
申请号：US14685468
申请日：2015-04-13
Applicant: BANK OF AMERICA CORPORATION
Inventor： Anthony David Guido , Melanie Ann Soranno , Jeffrey John Parker , Amanda Jane Holcomb , Richard Andrew Starbuck , James Kevin Cobb , Dariane Katinka Hunt , Jay G. Frater , Robert Osmer
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide access to a funds transfer management portal that interfaces with at least one database to access a customer's financial information for use in presenting account activity associated with at least one of the customer's accounts maintained by a financial institution. The system receives a request to view account activity in which the request specifies a format for viewing the account activity. In response to receiving the request, the system retrieves data related to one or more funds transfers associated with the at least one account and present the account activity in the requested format for viewing the account activity.
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公开(公告)号：US10102582B2
公开(公告)日：2018-10-16
申请号：US14657662
申请日：2015-03-13
Applicant: Bank of America Corporation
Inventor： Joseph Neil Johansen , Anthony David Guido
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; receive social network financial information, the social network financial information comprising financial information associated with other customers; compare the customer's financial information to the social network financial information; present a comparison of the customer's financial information to the social network financial information.
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公开(公告)号：US20160300196A1
公开(公告)日：2016-10-13
申请号：US14685460
申请日：2015-04-13
Applicant: BANK OF AMERICA CORPORATION
Inventor： Anthony David Guido , Amanda Jane Holcomb , Richard Andrew Starbuck , Jeffrey John Parker , James Kevin Cobb , Dariane Katinka Hunt , Jay G. Frater , Melanie Ann Soranno , Robert Osmer
IPC: G06Q20/10
CPC classification number: G06Q20/10
Abstract: An intuitive and consolidated platform for managing fund transfers is disclosed. The comprehensive platform allows a customer to make fund transfers between their financial accounts, both internal and external, including domestic and international, as well as, transfers to third-party accounts (e.g., family, friends, business and the like), including accounts held domestically and internationally. The intuitive aspect of the platform provides transfer options specific to the selected transfer type and the selected transfer account.
Abstract translation: 披露了管理资金转移的直观和综合平台。 综合平台允许客户在其内部和外部的财务账户（包括国内和国际）以及转移到第三方账户（如家人，朋友，业务等）之间进行资金转帐，包括账户 在国内和国际上举行。 平台的直观方面提供特定于所选传输类型和所选传输帐户的传输选项。
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