公开(公告)号：US20140279123A1

公开(公告)日：2014-09-18

申请号：US13826671

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Scott Lee Harkey ,  David M. Grigg ,  Laura Corinne Bondesen ,  Matthew A. Calman

IPC: G06Q30/06

CPC classification number: G06Q10/02 ,  G06Q10/04 ,  G06Q30/0601 ,  G06Q30/0619 ,  G06Q50/01 ,  G06Q50/10 ,  H04L67/18 ,  H04W4/02 ,  H04W4/021

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant.

Abstract translation: 本发明的实施例涉及用于提供地理位置登记系统的系统，方法和计算机程序产品。 示例性装置被配置为收集与用户相关的定位数据。 在收集位置数据之后，装置可以被配置为至少部分地基于用户已经越过与商家的位置相关联的地理围栏的阈值的定位数据来确定。 至少部分地基于该确定，该装置可以被配置为发起与用户相关联的商家签入并向用户传送用户信息。

公开(公告)号：US20140279009A1

公开(公告)日：2014-09-18

申请号：US13828969

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Susan Smith Thomas

IPC: G06Q30/02

CPC classification number: G06Q30/0261

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transmitting an offer to a user associated with an account. An exemplary apparatus is configured to: determine, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location; in response to determining the mobile device is within the predetermined distance of the reference location, transmit an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and provide an option for the user to accept the offer via the mobile device.

Abstract translation: 本发明的实施例涉及用于向与帐户相关联的用户发送报价的系统，方法和计算机程序产品。 示例性设备被配置为：基于与与用户相关联的移动设备相关联的地理位置信息来确定移动设备是否在参考位置的预定距离内; 响应于确定所述移动设备在所述参考位置的预定距离内，向所述移动设备发送报价，其中所述报价与产品或服务相关联，并且其中所述报价已经被先前传达给所述用户; 并为用户提供通过移动设备接受报价的选项。

公开(公告)号：US20140279004A1

公开(公告)日：2014-09-18

申请号：US13826403

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Susan Smith Thomas ,  Matthew A. Calman ,  David M. Grigg

IPC: G06Q30/02

CPC classification number: G06Q30/0261

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for micro-targeting an offer based on geolocation information. An exemplary apparatus is configured to: determine a first user is accessing an account, wherein the account is associated with a first user and a second user, wherein the account is presented on a user interface; and in response to determining the first user is accessing the account, transmit a first offer to the first user based on geolocation information associated with the first user, wherein the first offer is presented on the user interface, and wherein the first offer enables the first user to receive a discount or a rebate on a transaction associated with the first offer. The apparatus may also be configured to transmit, in real-time, offers to the first user based on at least one of real-time or historical geolocation information associated with the first user.

Abstract translation: 本发明的实施例涉及用于基于地理定位信息来微报价的系统，方法和计算机程序产品。 示例性装置被配置为：确定第一用户正在访问帐户，其中所述帐户与第一用户和第二用户相关联，其中所述帐户被呈现在用户界面上; 并且响应于确定所述第一用户正在访问所述帐户，基于与所述第一用户相关联的地理位置信息向所述第一用户发送第一优惠，其中所述第一优惠被呈现在所述用户界面上，并且其中所述第一优惠启用所述第一用户 用户接收与首次报价相关的交易的折扣或折扣。 该装置还可以被配置为基于与第一用户相关联的实时或历史地理定位信息中的至少一个，实时地向第一用户发送提供。

公开(公告)号：US20140278970A1

公开(公告)日：2014-09-18

申请号：US13830010

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Laura Corinne Bondesen ,  David M. Grigg

IPC: G06Q30/02

CPC classification number: G06Q30/0259

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for communicating messages to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the network; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network of retailers; and present the offer is based on the determination.

Abstract translation: 本发明的实施例涉及用于向与联合零售商网络相关联的一个或多个客户传送消息的系统，方法和计算机程序产品。 实施例确定与联合零售商网络相关联的一个或多个客户靠近与作为网络成员的零售商相关联的零售商物理位置; 并向零售商附近的一个或多个联合网络客户提出报价。 在一些实施例中，确定包括识别移动设备与作为联合零售商网络的成员的至少一个零售商的客户相关联。 一些实施例确定位于该位置附近的客户不是与该位置相关联的零售商的客户，并且是与零售商网络相关联的顾客; 并提出要求是基于决心。

公开(公告)号：US20140258061A1

公开(公告)日：2014-09-11

申请号：US13791241

申请日：2013-03-08

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg ,  Carrie Anne Hanson

IPC: G06Q40/00

CPC classification number: G06Q40/00 ,  G06Q30/0201 ,  G06Q50/01

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an efficient interaction path for a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information for at least two interaction paths associated with the financial institution physical location; compare the interaction efficiency information for the interaction paths to determine a most efficient interaction path for the customer; and provide, to the customer, information associated with the determined most efficient interaction path for the customer. Some embodiments determine an expected business of the customer visiting the financial institution physical location; and determine the interaction efficiency information for the at least two interaction paths associated with the financial institution physical location based at least in part on the determined expected business of the customer.

Abstract translation: 本发明的实施例涉及用于为客户提供有效的交互路径的系统，方法和计算机程序产品。 实施例确定客户正在旅行到或者当前位于金融机构物理位置附近; 确定与金融机构物理位置相关联的至少两个交互路径的交互效率信息; 比较交互路径的交互效率信息，以确定客户最有效的交互路径; 并向客户提供与客户确定的最有效的交互路径相关联的信息。 一些实施例确定访问金融机构物理位置的客户的预期业务; 并且至少部分地基于所确定的客户的预期业务来确定与所述金融机构物理位置相关联的所述至少两个交互路径的交互效率信息。

公开(公告)号：US20140156537A1

公开(公告)日：2014-06-05

申请号：US13691034

申请日：2012-11-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Carlos Vieira ,  David M. Grigg

IPC: G06Q30/00

CPC classification number: G06Q30/016 ,  G06Q20/1085 ,  G07F19/201

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing post-transaction service. In some embodiments, a system is configured to: determine a user has exited a facility after performing a transaction at the facility, wherein the user has a mobile device, wherein the user executed the transaction at the facility with assistance of an agent at the facility; and communicate with the mobile device to provide a post-transaction service to the user, the post-transaction service comprising providing a communication channel to establish contact with the agent who assisted the user at the facility. The invention enables provision of a personalized transaction service to the user.

Abstract translation: 本发明的实施例涉及用于提供事后服务的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：在设施执行交易之后确定用户已经退出了设施，其中用户具有移动设备，其中用户在设施的协助下在设施的协助下执行交易 ; 并且与所述移动设备通信以向所述用户提供后交易服务，所述后交易服务包括提供通信信道以与在所述设施处协助所述用户的所述代理建立联系。 本发明能够为用户提供个性化的交易服务。

公开(公告)号：US20140156525A1

公开(公告)日：2014-06-05

申请号：US13691197

申请日：2012-11-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Carrie Anne Hanson

IPC: G06Q40/02

CPC classification number: G06Q40/02

Abstract: A system provides assistance to a user having a user device proximate a financial institution location. The system determines a user device is within a wireless communication range of the system; establishes a secure connection between the system and the user device; receives user input comprising information indicating a user purpose for visiting the location; and transmits at least one communication based at least in part on the received user purpose for visiting the location. In some embodiments, the system receives user authentication information; authenticates the identity of the user; provides the user access to transactional functionality; receives user information indicating a type of transaction and transaction details; processes the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and communicates a message indicating the transaction has been processed to the user.

Abstract translation: 系统向具有靠近金融机构位置的用户设备的用户提供帮助。 系统确定用户设备在系统的无线通信范围内; 建立系统与用户设备之间的安全连接; 接收包含指示访问该位置的用户目的的信息的用户输入; 并且至少部分地基于用于访问所述位置的所接收的用户目的来发送至少一个通信。 在一些实施例中，系统接收用户认证信息; 验证用户的身份; 提供用户访问事务功能; 接收指示交易类型和交易详情的用户信息; 至少部分地基于从用户接收的交易类型和交易细节处理用户信息进行交易; 并且向用户传达指示事务已被处理的消息。

公开(公告)号：US20140156506A1

公开(公告)日：2014-06-05

申请号：US13690113

申请日：2012-11-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Carrie Anne Hanson ,  Marc Lance Warshawsky

IPC: G06Q20/32

CPC classification number: G06Q20/3223 ,  G06Q20/3224 ,  G06Q30/06

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enabling self-service at a facility. In some embodiments, a system is configured to: determine a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; prompt the user to perform, on the mobile device, an action associated with the intended transaction while the user is waiting to interact with at least one of the agent or the computing device.

Abstract translation: 本发明的实施例涉及用于在设施中实现自助服务的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：确定用户已经进入设施或距离设施是预定距离，其中用户具有移动设备，并且其中用户正在等待与以下中的至少一个代理进行交互： 或远离工厂的设施或计算设备; 与移动设备通信以确定用户访问设施的原因，其原因包括旨在由用户在设施处执行的交易; 提示用户在用户等待与代理或计算设备中的至少一个交互时，在移动设备上执行与预期事务相关联的动作。

公开(公告)号：US20140156448A1

公开(公告)日：2014-06-05

申请号：US13690713

申请日：2012-11-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Elizabeth S. Votaw

IPC: G06Q30/06

CPC classification number: G06Q30/0631 ,  G06Q30/0261

Abstract: Systems, methods, and computer program products are provided for prompting categorization during payment authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor receive an authorization request for a transaction being conducted by a user; prompt the user to categorize at least one component of the transaction; receive a category from the user for the at least one component of the transaction; and store the category in association with the transaction. In some embodiments, the system will not authorize the transaction until the user categorizes at least one component of the transaction. In further embodiments, the system evaluates the transaction and only prompts the user to categorize the transaction if predefined criteria are met.

Abstract translation: 提供系统，方法和计算机程序产品，用于在付款授权期间提示分类。 该系统包括包括处理器和存储器的计算机装置; 以及存储在存储器中的软件模块。 软件模块包括可执行指令，当由处理器执行时，处理器使得处理器接收由用户进行的交易的授权请求; 提示用户对交易的至少一个组件进行分类; 从交易的至少一个组件接收用户的类别; 并存储与交易相关联的类别。 在一些实施例中，系统将不会授权交易，直到用户对交易的至少一个组件进行分类。 在另外的实施例中，系统评估事务，并且仅当符合预定义的标准时才提示用户对事务进行分类。

公开(公告)号：US20140156427A1

公开(公告)日：2014-06-05

申请号：US13691458

申请日：2012-11-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg

IPC: G06Q20/20

CPC classification number: G06Q20/204 ,  G06Q20/023 ,  G06Q20/3274

Abstract: Embodiments of the invention include systems, methods, and computer-program products for a clearing house for directing readable indicia to/from merchants, users, and/or vendors. As such, merchants, users, and vendors may all be able to recognize, read, and complete transactions using any readable indicia, irrespective of the vendor providing the readable indicia. In some embodiments, the invention may provide merchants or users with readable indicia from one or more readable indicia vendors. In other embodiments, the invention may recognize readable indicia communicated to the system based on the vendor associated with the indicia. As such, the invention provides a clearing house for the directing, such as receiving, translating, and communicating readable indicia between parties of a transaction, such that each party may be able to recognize the readable indicia and complete the transaction.

Abstract translation: 本发明的实施例包括用于指示商店，用户和/或供应商的可读标记的结算所的系统，方法和计算机程序产品。 因此，商家，用户和供应商都可以使用任何可读标记来识别，读取和完成交易，而不管供应商提供可读标记。 在一些实施例中，本发明可以向商家或用户提供来自一个或多个可读标记供应商的可读标记。 在其他实施例中，本发明可以基于与标记相关联的供应商来识别传达到系统的可读标记。 因此，本发明提供了一种用于在交易的各方之间指导，诸如接收，翻译和传达可读标记的结算所，使得每一方都能够识别可读标记并完成交易。