公开(公告)号：US12125062B2

公开(公告)日：2024-10-22

申请号：US18073655

申请日：2022-12-02

Applicant: Bank of America Corporation

Inventor： Eric Dryer ,  Pratap Dande ,  Kevin A. Delson ,  Gilbert Gatchalian ,  Lalit Dhawan ,  Linda Haddad ,  Morgan Allen

IPC: G06Q30/02 ,  G06Q30/0251

CPC classification number: G06Q30/0255 ,  G06Q30/0257

Abstract: A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.

公开(公告)号：US20240185295A1

公开(公告)日：2024-06-06

申请号：US18073655

申请日：2022-12-02

Applicant: Bank of America Corporation

Inventor： Eric Dryer ,  Pratap Dande ,  Kevin A. Delson ,  Gilbert Gatchalian ,  Lalit Dhawan ,  Linda Haddad ,  Morgan Allen

IPC: G06Q30/02

CPC classification number: G06Q30/0255 ,  G06Q30/0257

Abstract: A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.

公开(公告)号：US20240184876A1

公开(公告)日：2024-06-06

申请号：US18072903

申请日：2022-12-01

Applicant: Bank of America Corporation

Inventor： Rohit Sawkar ,  Pratap Dande ,  Morgan Allen ,  Kevin A. Delson ,  Gilbert Gatchalian ,  Swetha Ravi ,  Lalit Dhawan

IPC: G06F21/45 ,  G06F21/32

CPC classification number: G06F21/45 ,  G06F21/32

Abstract: Systems and methods for multi-dimensional voice-based digital authentication are provided. Methods include receiving, at a central server from a remote user device, a request to access a protected digital resource; displaying a prompt, at the device, requesting a spoken password expression; capturing, at the device, an expression spoken in response to the prompt; determining that the expression satisfies predetermined attributes of the password expression; calculating a voice pattern representation of the expression; determining that the voice pattern representation of the expression satisfies a threshold similarity to a voice pattern representation of the user that is stored in a database at the central server; and, in response to the expression satisfying the predetermined attributes of the password expression and satisfying the threshold similarity to the voice pattern representation of the user that is stored in the database at the central server, authorizing the device to access the protected digital resource.