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    Management of Contributions for a Goal
    31.
    发明申请
    Management of Contributions for a Goal 审中-公开
    对目标的贡献管理

    公开(公告)号：US20140101031A1

    公开(公告)日：2014-04-10

    申请号：US13647948

    申请日：2012-10-09

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Matthew A. Calman ,  Carrie Anne Hanson ,  John Rees ,  Nancy Talarico ,  Greg Leonard Hertz ,  Sven David Newman

    IPC: G06Q20/22

    CPC classification number: G06Q40/10 ,  G06Q20/3223 ,  G06Q40/02

    Abstract: According to an embodiment, a contribution for a goal is managed. A monetary target associated with a goal is determined. A current savings level toward the monetary target is determined. A rule associated with a maximum contribution amount toward the monetary target is accessed. An amount for a contribution is calculated according to the monetary target, the current savings level, and the rule. The amount calculated for the contribution is transferred to an account associated with the goal.

    Abstract translation: 根据实施例，管理对目标的贡献。 确定与目标相关联的货币目标。 确定货币目标的当前储蓄水平。 访问与货币目标的最大贡献金额相关联的规则。 根据货币目标，当前储蓄水平和规则计算缴款金额。 为捐款计算的金额转入与目标相关的帐户。

    Price evaluation based on electronic receipt data
    36.
    发明授权
    Price evaluation based on electronic receipt data 有权

    公开(公告)号：US09600839B2

    公开(公告)日：2017-03-21

    申请号：US13953218

    申请日：2013-07-29

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Matthew A. Calman ,  Katherine Dintenfass ,  Jason P. Blackhurst ,  Carrie A. Hanson ,  Laura C. Bondesen

    IPC: G06F17/30 ,  G06Q30/06

    CPC classification number: G06Q30/0629

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing price evaluation based on electronic receipt data. An exemplary apparatus is configured to: identify purchase transaction data associated with identified electronic communications between a merchant and a customer, wherein the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format; convert the purchase transaction data from the unstructured format to a structured format; associate the structured purchase transaction data with the customer's online banking application; aggregate purchase transaction data related to a first product purchased by a plurality of customers; determine a best price available for the first product based at least partially on an analyses of the purchase transaction data; and communicate the best price available for the first product to one or more parties.

    System for collective network of augmented reality users
    37.
    发明授权
    System for collective network of augmented reality users 有权
    增强现实用户集体网络系统

    公开(公告)号：US09519923B2

    公开(公告)日：2016-12-13

    申请号：US15045182

    申请日：2016-02-16

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Matthew A. Calman ,  Erik Stephen Ross ,  Alfred Hamilton

    IPC: G06Q30/06 ,  G06Q30/02 ,  G06T19/00 ,  G09G5/00 ,  G06Q50/00 ,  H04L29/06

    CPC classification number: G06Q30/0605 ,  G06Q30/02 ,  G06Q30/0613 ,  G06Q30/0623 ,  G06Q30/0635 ,  G06Q30/0641 ,  G06Q50/01 ,  G06T19/006 ,  G09G5/003 ,  G09G2370/022 ,  H04L65/403 ,  H04L65/60

    Abstract: Embodiments of the invention provide for using video analysis, such as augmented reality or the like to assist a group of users to utilize mobile devices for creating a collective network environment of users that identifies objects in which one or more users in a group of users may be interested, and notifies the one or more users of information associated with the object. A collective network comprises a group of users that each have a mobile device that contains or is otherwise operatively coupled to a data capture device. For example, the mobile device may be a mobile phone that is capable of taking video with a camera device. A user in the collective network may capture video on his mobile device, and an application can identify the object in the video and provide interested users in the collective network with information about the object.

    Abstract translation: 本发明的实施例提供了使用诸如增强现实等的视频分析来帮助一组用户利用移动设备来创建用户的集体网络环境，所述用户识别一组用户中的一个或多个用户可能的对象 感兴趣，并通知一个或多个用户与该对象相关联的信息。 集体网络包括一组用户，每个用户具有包含或以其他方式操作地耦合到数据捕获设备的移动设备。 例如，移动设备可以是能够使用相机设备拍摄视频的移动电话。 集体网络中的用户可以在其移动设备上捕获视频，并且应用可以识别视频中的对象，并向集体网络中的感兴趣的用户提供关于对象的信息。

    System providing an interactive conference
    38.
    发明授权
    System providing an interactive conference 有权
    系统提供互动会议

    公开(公告)号：US09508058B2

    公开(公告)日：2016-11-29

    申请号：US13651966

    申请日：2012-10-15

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Matthew A. Calman ,  Rajat Agrawal ,  James Robert Grimsley ,  Wanwen Han ,  Alicia C. Jones ,  Su Liu ,  Cameron Jungeun Park-Hur ,  Nir Rachmel ,  Lynn Streja ,  Elizabeth S. Votaw

    IPC: G06F15/16 ,  G06Q10/10 ,  G06Q40/02

    CPC classification number: G06Q10/101 ,  G06Q10/1095 ,  G06Q40/02

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an interactive conference, such as a video conference. The system, methods, and computer program products determine that an operative connection is being established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative may conduct a conference; provide a document viewable by both the user and the representative during the conference; and enable the document to be edited by at least one of the user and the representative during the conference. The document may be an uploaded document or an account view. The system, method, and computer program product provide augmented service to customers of financial institutions when the customers are participating in a conference with a representative of the financial institution.

    Abstract translation: 本发明的实施例涉及用于提供例如视频会议的交互式会议的系统，方法和计算机程序产品。 系统，方法和计算机程序产品确定在用户的用户设备和与金融机构的代表相关联的系统之间正在建立操作连接，使得用户和代表可以进行会议; 提供会议期间用户和代表可查看的文件; 并且在会议期间使文档由用户和代表中的至少一个来编辑。 该文档可以是上传的文档或帐户视图。 当客户与金融机构的代表参加会议时，系统，方法和计算机程序产品为金融机构的客户提供增值服务。

    Interactive map for grouped activities within a financial and social management system
    39.
    发明授权
    Interactive map for grouped activities within a financial and social management system 有权
    财务和社会管理系统中分组活动的互动地图

    公开(公告)号：US09436965B2

    公开(公告)日：2016-09-06

    申请号：US15047600

    申请日：2016-02-18

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Elizabeth S. Votaw ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  Katherine Dintenfass ,  Candice Michelle Jones ,  Charles Karim Aweida ,  Parker Holt Bossier ,  Rebecca A. Chen ,  Nandhita Kumar ,  Min Zhao

    IPC: G06Q40/00 ,  G06F17/30 ,  G06Q50/00

    CPC classification number: G06Q40/12 ,  G06F17/30061 ,  G06F17/30601 ,  G06F17/30867 ,  G06F17/3087 ,  G06Q50/01

    Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may display the activities, activity information, and images in an interactive map using markers. The markers in the interactive may be displayed as a function of the time of the activity, include images, or transaction data related to the activity. Positioning information related to the location of the user at the time of the activities may also be overlaid on the interactive map.

    Abstract translation: 本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。 财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，位置确定设备等，并且将活动信息和图像与活动相关联。 财务和社会管理系统可以使用标记在交互式地图中显示活动，活动信息和图像。 交互式中的标记可以作为活动时间的函数显示，包括与活动相关的图像或交易数据。 在活动时与用户的位置相关的定位信息也可以叠加在交互式地图上。

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