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    Network of trusted users
    12.
    发明授权
    Network of trusted users 有权

    公开(公告)号：US10097552B2

    公开(公告)日：2018-10-09

    申请号：US15164519

    申请日：2016-05-25

    Applicant: Bank of America Corporation

    Inventor： Cameron Wadley ,  Jiyoung Choi ,  Hamid Dalglijli ,  Thomas H. Judge ,  Britton T. Farrell ,  Katherine Dintenfass ,  Craig Terrill ,  Susan Varghese ,  Minh Vuong

    IPC: H04L29/06 ,  G06F21/50 ,  G06Q50/00 ,  H04L12/58 ,  H04W12/08 ,  H04W12/12 ,  H04W4/21

    Abstract: A system may include at least one server having a processor and a communication interface communicatively coupled to an Internet connection and a non-transitory memory device storing instructions that cause the system to retrieve, from a data repository, user information corresponding to a user of products and/or services of a business entity, identify by, at least one a social network identification of the user, and match the user to a plurality of individuals based on the user information. The system may the plurality of social network communications associated with the social network identification of the user using rules provided by the rules engine server, and generate, by the sourcing engine server, based on the analyzed social network communications, a trigger condition based on predetermined criteria stored in a database and in response to the trigger condition, solicit, via a secure network, input from the matched individuals corresponding to the trigger condition.

    MODIFYING AN ESTIMATED FINANCIAL PLAN
    13.
    发明申请
    MODIFYING AN ESTIMATED FINANCIAL PLAN 审中-公开
    修改估计的财务计划

    公开(公告)号：US20160350860A1

    公开(公告)日：2016-12-01

    申请号：US14723362

    申请日：2015-05-27

    Applicant: Bank of America Corporation

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

    IPC: G06Q40/06

    CPC classification number: G06Q40/06

    Abstract: 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.

    Abstract translation: 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。

    GENERATING A ONE-CLICK FINANCIAL PLAN
    14.
    发明申请
    GENERATING A ONE-CLICK FINANCIAL PLAN 审中-公开
    生成一键式财务计划

    公开(公告)号：US20160350859A1

    公开(公告)日：2016-12-01

    申请号：US14723340

    申请日：2015-05-27

    Applicant: Bank of America Corporation

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

    IPC: G06Q40/06

    CPC classification number: G06Q40/06

    Abstract: 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.

    Abstract translation: 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。

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