公开(公告)号：US20160350864A1

公开(公告)日：2016-12-01

申请号：US14723166

申请日：2015-05-27

申请人： BANK OF AMERICA CORPORATION

发明人： Katherine Dintenfass ,  Alicia C. Jones-McFadden ,  Jeanne Ferullo Connolly ,  David M. Grigg ,  Sahil Bahri ,  Sonny Tai ,  Markondapatnaikuni Samba Siva Patnaik ,  Craig Terrill

IPC分类号： G06Q40/00

CPC分类号： G06Q40/12

摘要： An automated system is provided that allows a user to identify a goal, such as tangible goods, including real estate, and/or services, that the user has aspirations of attaining at future point in time, such as at retirement or the like. Once identified the present invention determines a monetary amount required to be accumulated over time to satisfy the future value of the goal, identifies the level/percentage of guaranteeing afforded to the user and determines the actions required of the guarantor to insure that the goal is attained. In response, the user is presented a goal guarantee offer that requires the user to provide a predetermined funding amount, which is based on the monetary amount, level of guarantee and actions required of the guarantor, over time to a goal account and, in consideration, requires the goal to be guaranteed by the goal guarantor.

摘要翻译： 提供了一种自动化系统，其允许用户识别用户在将来的时间点（例如退休等）期望实现的目标，例如有形商品，包括房地产和/或服务。 一旦确定，本发明确定了随时间累积以满足目标的未来价值的金额，确定提供给用户的担保的水平/百分比，并确定担保人为确保达到目标所需的行动 。 作为回应，用户被提出了目标保证报价，要求用户提供预定的资金金额，这是基于货币金额，担保水平和担保人所需的行动，随着时间的推移到目标账户，并考虑到 要求目标由目标保证人保证。

公开(公告)号：US20160350857A1

公开(公告)日：2016-12-01

申请号：US14722722

申请日：2015-05-27

申请人： Bank of America Corporation

发明人： Katherine Dintenfass ,  David M. Grigg ,  Alicia C. Jones-McFadden ,  Jeanne Ferullo Connolly ,  Craig Terrill ,  Sahil Bahri ,  Sonny Tai ,  Markondapatnaikuni Samba Siva Patnaik

IPC分类号： G06Q40/06

CPC分类号： G06Q40/06

摘要： Embodiments of the invention are directed to systems, computer program products, and methods for creating investor network groups, in which like investors are grouped together in order to discuss, receive, and send investment information between like investors and one or more financial advisors in order to receive specialized advice without having to pay the high costs of a personal financial advisor. Since the investors within the one or more investor network groups are similarly situated investors with similar investor information (e.g., any information related to the investor profile information, investment strategy information, transaction history information, lifestyle information related to current lifestyles and future desired lifestyle in retirement, investing activity information, or like) inquiries made by investors within the group or suggested investment actions made by financial advisors for investors within the group may apply to multiple investors within the investor network group.

摘要翻译： 本发明的实施例涉及用于创建投资者网络组的系统，计算机程序产品和方法，其中类似于投资者被组合在一起以便在投资者和一个或多个财务顾问之间讨论，接收和发送投资信息 接受专业意见，而无需支付个人财务顾问的高额费用。 由于一个或多个投资者网络集团内的投资者同样具有类似投资者信息的投资者（例如，与投资者资料信息，投资策略信息，交易历史信息，与当前生活方式相关的生活方式信息以及未来所需生活方式等相关信息 退休，投资活动信息等），集团投资者查询或财务顾问对集团内投资者提出的投资行为，可以向投资者网络集团内的多名投资者申请。

公开(公告)号：US20160350860A1

公开(公告)日：2016-12-01

申请号：US14723362

申请日：2015-05-27

申请人： Bank of America Corporation

发明人： Katherine Dintenfass ,  David M. Grigg ,  Alicia C. Jones-McFadden ,  Jeanne Ferullo Connolly ,  Craig Terrill ,  Sahil Bahri ,  Sonny Tai ,  Markondapatnaikuni Samba Siva Patnaik

IPC分类号： G06Q40/06

CPC分类号： G06Q40/06

摘要： Embodiments of the invention are directed to systems, computer program products, and methods for modifying an estimated financial plan based on customer input. Embodiments access an estimated retirement plan comprising an estimated retirement date and an estimated retirement dollar amount; determine an estimated retirement plan confidence score; identify one or more external customer accounts; access one or more internal customer accounts; determine, based at least in part on the one or more external customer accounts and the one or more internal customer accounts, at least one likely customer account; present an inquiry to the customer requesting confirmation that the customer owns an additional customer account corresponding to the at least one likely customer account; and receive confirmation from the customer that the customer owns an additional customer account corresponding to the at least one likely customer account.

摘要翻译： 本发明的实施例涉及系统，计算机程序产品和用于基于客户输入来修改估计的财务计划的方法。 实施方案进入包括估计退休日期和估计退休金额的估计退休计划; 确定估计退休计划的置信度; 识别一个或多个外部客户帐户; 访问一个或多个内部客户帐户; 至少部分地基于所述一个或多个外部客户帐户和所述一个或多个内部客户帐户确定至少一个可能的客户账户; 向客户发出询问，要求确认客户拥有对应于该至少一个可能的客户帐户的附加客户帐户; 并且从客户那里接收到客户拥有对应于该至少一个可能的客户帐户的附加客户帐户的确认。

公开(公告)号：US20160350859A1

公开(公告)日：2016-12-01

申请号：US14723340

申请日：2015-05-27

申请人： Bank of America Corporation

发明人： Katherine Dintenfass ,  David M. Grigg ,  Alicia C. Jones-McFadden ,  Jeanne Ferullo Connolly ,  Craig Terrill ,  Sahil Bahri ,  Sonny Tai ,  Markondapatnaikuni Samba Siva Patnaik

IPC分类号： G06Q40/06

CPC分类号： G06Q40/06

摘要： Embodiments of the invention are directed to systems, computer program products, and methods for generating a one-click financial plan for a customer of a financial institution. Embodiments determine a set of outflow data comprising data corresponding to debits originating from accounts owned by the customer; determine a set of inflow data comprising data corresponding to credits applied to accounts owned by the customer; determine a set of customer information comprising a customer age; based on some of the plurality of debits, identify external customer accounts; based on the identified external customer accounts, determine characteristics associated with each of the external customer accounts; calculate, based on the customer age, the set of inflow data and the set of outflow data, an estimated retirement plan comprising an estimated retirement date and an estimated retirement dollar amount; and present retirement information based on the estimated retirement plan to the customer.

摘要翻译： 本发明的实施例涉及用于为金融机构的客户生成一键式财务计划的系统，计算机程序产品和方法。 实施例确定一组流出数据，其包括对应于源自客户拥有的账户的借方的数据; 确定一组流入数据，其中包括对应于应用于客户拥有的账户的信用的数据; 确定包括客户年龄的一组客户信息; 基于多个借记中的一些，识别外部客户帐户; 基于所识别的外部客户帐户，确定与每个外部客户帐户相关联的特征; 根据客户年龄，计算流入数据集和流出数据集，计算退休计划，包括估计退休日期和估计退休金额; 并根据客户的预计退休计划提供退休信息。

公开(公告)号：US20160350858A1

公开(公告)日：2016-12-01

申请号：US14723186

申请日：2015-05-27

申请人： BANK OF AMERICA CORPORATION

发明人： Katherine Dintenfass ,  Alicia C. Jones-McFadden ,  Jeanne Ferullo Connolly ,  David M. Grigg ,  Sahil Bahri ,  Sonny Tai ,  Markondapatnaikuni Samba Siva Patnaik ,  Craig Terrill

IPC分类号： G06Q40/06 ,  G06Q20/10

CPC分类号： G06Q40/06 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/405

摘要： A system and related embodiments are presented that establishes a goal guarantee for a user that provides the user a guarantee of acquiring, at a future date, a life goal based on the user providing a predetermined funding amount over time to a life goal account. The life goal includes goods, real estate and/or services. The predetermined funding amount is determined based at least in part on a predicted future cost for the goal and an uncertainty calculation associated with the user. Once funds are accumulated in the life goal account, the invention provides for automatically reallocating funds in the life goal account from a higher uncertainty investment to a lower uncertainty investment in response to one or more predetermined triggering events, such as dates, amount thresholds, meeting predetermined price thresholds for the goal or components of the goal.

摘要翻译： 呈现系统和相关实施例，其为用户提供目标保证，以向用户提供保证，在将来的日期，基于用户在生命目标账户中随时间提供预定的资金金额来获得生命目标。 生活目标包括货物，房地产和/或服务。 至少部分地基于目标的预测未来成本和与用户相关联的不确定性计算来确定预定供资金额。 一旦资金积累在生命目标帐户中，本发明就可以自动地将生命目标账户中的资金从更高的不确定性投资转移到较低的不确定性投资，以响应一个或多个预定的触发事件，例如日期，金额阈值，会议 目标或目标组件的预定价格阈值。

公开(公告)号：US20160350846A1

公开(公告)日：2016-12-01

申请号：US14723288

申请日：2015-05-27

申请人： Bank of America Corporation

发明人： Katherine Dintenfass ,  David M. Grigg ,  Alicia C. Jones-McFadden ,  Jeanne Ferullo Connolly ,  Craig Terrill ,  Sahil Bahri ,  Sonny Tai ,  Markondapatnaikuni Samba Siva Patnaik

IPC分类号： G06Q40/00 ,  G06F19/00

CPC分类号： G06Q40/00 ,  G16H40/63

摘要： Embodiments of the invention are directed to systems, methods, and computer program products for a system that utilizes health information (e.g., steps taken, miles walked, exercise time, strenuous activity, pulse, heart rate, sweat analysis, breath analysis, blood analysis, caloric intake, skin analysis, temperature analysis, brainwave analysis, other medical diagnostic information, or the like) captured from wearable devices, and financial transactions to adjust estimated or projected life expectancy and health expenses (e.g., medical care expenses, fitness care expenses, health food expenses, or the like) of a user, in order to adjust retirement age, retirement savings, or other financial information, and display this information in a financial, health, and/or retirement monitoring interface.

摘要翻译： 本发明的实施例涉及一种利用健康信息（例如步骤，步行，运动时间，剧烈活动，脉搏，心跳率，汗液分析，呼吸分析，血液分析）的系统的系统，方法和计算机程序产品 ，热量摄取，皮肤分析，温度分析，脑波分析，其他医疗诊断信息等）和金融交易，以调整估计或预计的预期寿命和健康费用（例如医疗费用，健身护理费用 ，健康食品费用等），以便调整退休年龄，退休储蓄或其他财务信息，并将该信息显示在财务，健康和/或退休监控界面中。