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    ACCOUNT ACTIVITY MANAGEMENT SYSTEM
    2.
    发明申请
    ACCOUNT ACTIVITY MANAGEMENT SYSTEM 审中-公开
    帐户活动管理系统

    公开(公告)号：US20160300204A1

    公开(公告)日：2016-10-13

    申请号：US14685468

    申请日：2015-04-13

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Anthony David Guido ,  Melanie Ann Soranno ,  Jeffrey John Parker ,  Amanda Jane Holcomb ,  Richard Andrew Starbuck ,  James Kevin Cobb ,  Dariane Katinka Hunt ,  Jay G. Frater ,  Robert Osmer

    IPC: G06Q20/10

    CPC classification number: G06Q20/108 ,  G06F3/017

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide access to a funds transfer management portal that interfaces with at least one database to access a customer's financial information for use in presenting account activity associated with at least one of the customer's accounts maintained by a financial institution. The system receives a request to view account activity in which the request specifies a format for viewing the account activity. In response to receiving the request, the system retrieves data related to one or more funds transfers associated with the at least one account and present the account activity in the requested format for viewing the account activity.

    Abstract translation: 本发明的实施例涉及用于简化客户金融和客户货币管理平台并提供电子财务管理的系统，方法和计算机程序产品。 示例性装置可以被配置为提供对与至少一个数据库接口的资金转账管理门户的访问，以访问客户的财务信息，以用于呈现与由金融机构维护的客户账户中的至少一个相关联的账户活动。 系统收到查看帐户活动的请求，其中请求指定用于查看帐户活动的格式。 响应于接收到请求，系统检索与至少一个帐户相关联的一个或多个资金转账相关的数据，并以所请求的格式显示帐户活动以查看账户活动。

    SYSTEM FOR ASSESSING USING FUNDS FROM DIFFERENT ACCOUNTS FOR RETIREMENT PLANNING
    3.
    发明申请
    SYSTEM FOR ASSESSING USING FUNDS FROM DIFFERENT ACCOUNTS FOR RETIREMENT PLANNING 审中-公开
    评估从不同账户使用资金进行退休计划的制度

    公开(公告)号：US20160247229A1

    公开(公告)日：2016-08-25

    申请号：US14626796

    申请日：2015-02-19

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Jeanne Ferullo Connolly ,  Katherine Dintenfass ,  Matthew Hsieh ,  Carrie Anne Hanson ,  Dariane Katinka Hunt

    IPC: G06Q40/06 ,  G06Q20/22

    CPC classification number: G06Q40/06 ,  G06Q20/227

    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing an impact of using funds from different accounts to pay for financial events in retirement planning for a user. The system is configured to receive information associated with a group of accounts, electronically monitor the information, initiate presentation of a spend user interface to the user, receive a user selection of a financial event, calculate a financial event cost, determine one or more payment disbursement accounts from the group of accounts, calculate a payment disbursement ratio, and electronically present the payment disbursement ratio to the user.

    Abstract translation: 本发明的实施例涉及用于评估使用来自不同帐户的资金对用户的退休计划中的财务事件的影响的系统，方法和计算机程序产品。 该系统被配置为接收与一组帐户相关联的信息，电子地监视信息，开始向用户呈现支出用户界面，接收用户选择金融事件，计算金融事件成本，确定一个或多个支付 从帐户组中支付账款，计算付款支付比例，并以电子方式向用户提供付款支付比例。

    ELECTRONIC ACCOUNT CONTACT MANAGEMENT SYSTEM
    4.
    发明申请
    ELECTRONIC ACCOUNT CONTACT MANAGEMENT SYSTEM 审中-公开
    电子帐户联系人管理系统

    公开(公告)号：US20160300198A1

    公开(公告)日：2016-10-13

    申请号：US14685476

    申请日：2015-04-13

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Anthony David Guido ,  Melanie Ann Soranno ,  Jeffrey John Parker ,  Amanda Jane Holcomb ,  Richard Andrew Starbuck ,  James Kevin Cobb ,  Dariane Katinka Hunt ,  Jay G. Frater ,  Robert Osmer

    IPC: G06Q20/10

    CPC classification number: G06Q20/10

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide access to a funds transfer management portal that interfaces with at least one database to access a customer's contact information and external account information for use in presenting contact and accounts associated with the customer. The system presents a consolidated view of both the customer's contacts and external account. Transfers are then processed using at least one of the contact information associated with the one or more contacts and the account information associated with the one or more external accounts.

    Abstract translation: 本发明的实施例涉及用于简化客户金融和客户货币管理平台并提供电子财务管理的系统，方法和计算机程序产品。 示例性装置可以被配置为提供对与至少一个数据库接口的资金转账管理门户的访问，以访问客户的联系人信息和外部帐户信息，以用于呈现与客户相关联的联系人和帐户。 该系统提供了客户联系人和外部帐户的统一视图。 然后使用与一个或多个联系人相关联的联系信息和与一个或多个外部帐户相关联的帐户信息中的至少一个来处理转移。

    SCHEDULING FREQUENCY AND DURATION OF FINANCIAL INSTITUTION FUND TRANSFERS
    5.
    发明申请
    SCHEDULING FREQUENCY AND DURATION OF FINANCIAL INSTITUTION FUND TRANSFERS 审中-公开
    调度频率和财务机构基金转帐期限

    公开(公告)号：US20160300199A1

    公开(公告)日：2016-10-13

    申请号：US14685481

    申请日：2015-04-13

    Applicant: Bank Of America Corporation

    Inventor： Anthony David Guido ,  Melanie Ann Soranno ,  Jeffrey John Parker ,  Amanda Jane Holcomb ,  Richard Andrew Starbuck ,  James Kevin Cobb ,  Dariane Katinka Hunt ,  Jay G. Frater ,  Robert Osmer

    IPC: G06Q20/10 ,  G06F3/0484

    CPC classification number: G06Q20/10

    Abstract: Efficient and easy scheduling of future transfers and, specifically, recurring future transfers is provided for within a consolidated fund transfer management platform. In this regard, the platform is configured to identify transfer patterns based on a customer's historical fund transfers and the customer's current transfer request inputs, such as transferor account, transferee/transferee account, transfer amount and the like. In response to identifying the transfer pattern, the platform is configured to suggest to the customer setting-up a recurring transfer, such that future transfers indicated in the pattern will occur automatically on a recurring basis. Once the customer has selected the suggested recurring transfer option the customer is presented with applicable frequency and duration options for establishing the recurring transfer. In this regard, the platform is highly intuitive to the user, such that the user can easily configure future transfers and, specifically, future recurring transfers.

    Abstract translation: 在综合资金转移管理平台内提供了有效和轻松地安排未来转移，特别是经常性的未来转移。 在这方面，该平台被配置为基于客户的历史资金转移和客户的当前转移请求输入（例如转账者，受让人/受让人账户，转账金额等）来识别转账模式。 响应于识别传输模式，平台被配置为向客户建议重复的传送，使得在模式中指示的未来传输将在循环的基础上自动发生。 一旦客户选择了建议的周期性转账选项，客户就可以看到适用的频次和期限选项，用于建立定期转账。 在这方面，该平台对于用户来说是非常直观的，使得用户可以容易地配置将来的转移，具体地说，将来会定期进行转移。

    SYSTEM FOR OPTIMIZING FUND USAGE IN RETIREMENT PLANNING
    6.
    发明申请
    SYSTEM FOR OPTIMIZING FUND USAGE IN RETIREMENT PLANNING 审中-公开
    优化基金在退休计划中的使用制度

    公开(公告)号：US20160247228A1

    公开(公告)日：2016-08-25

    申请号：US14626792

    申请日：2015-02-19

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Jeanne Ferullo Connolly ,  Katherine Dintenfass ,  Matthew Hsieh ,  Carrie Anne Hanson ,  Dariane Katinka Hunt

    IPC: G06Q40/06

    CPC classification number: G06Q40/06

    Abstract: Embodiments of the invention comprise systems, computer program products, and methods for retirement planning. The financial institution accesses the values of assets and liabilities and determines estimated inflows and outflows from past inflows and outflows and any other significant future events over the network from various servers, systems, and devices that store transaction information. The financial institution calculates an available fund amount that a user can spend over a period of time, and an age parameter indicating the age at which the user's inflows and assets will not be able to cover the user's outflows. The financial institution displays the information in an interactive interface and allows for optimization of available fund amount or the age parameter using a location change, peer information, and available financial products. Additionally, the user may set goals, and the financial institution may monitor the user's transactions and provide alerts to the user.

    Abstract translation: 本发明的实施例包括系统，计算机程序产品和用于退休计划的方法。 金融机构访问资产和负债的价值，确定过去流入和流出的流入和流出以及来自存储交易信息的各种服务器，系统和设备的任何其他未来重大事件。 金融机构计算用户可以花费一段时间的可用资金金额，以及指示用户流入和资产不能覆盖用户流出的年龄的年龄参数。 金融机构在互动界面中显示信息，并允许使用位置更改，对等信息和可用的金融产品优化可用资金金额或年龄参数。 此外，用户可以设置目标，并且金融机构可以监视用户的交易并向用户提供警报。

    INTUITIVE USER-INTERFACE LAYOUT FOR FINANCIAL INSTITUTION FUND TRANSFERS
    8.
    发明申请
    INTUITIVE USER-INTERFACE LAYOUT FOR FINANCIAL INSTITUTION FUND TRANSFERS 审中-公开
    财务机构基金转账的直观用户界面布局

    公开(公告)号：US20160300197A1

    公开(公告)日：2016-10-13

    申请号：US14685462

    申请日：2015-04-13

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Anthony David Guido ,  Melanie Ann Soranno ,  Jeffrey John Parker ,  Amanda Jane Holcomb ,  Richard Andrew Starbuck ,  James Kevin Cobb ,  Dariane Katinka Hunt ,  Jay G. Frater ,  Robert Osmer

    IPC: G06Q20/10 ,  G06F3/0484 ,  G06F3/0482

    CPC classification number: G06Q20/10 ,  G06F3/0482 ,  G06F3/04842 ,  G06F17/243 ,  G06F2203/04803

    Abstract: An intuitive layout of a user-interface, otherwise referred to as a GUI or digital form, within a platform for managing fund transfers. The invention provides for customers to select a transferor account and a transferee account and/or recipient and, in response to selection, be presented with display of transfer options that are specific to the transfer type and/or transfer accounts. Moreover, the transfer information that is displayed is positioned within the user-interface so as to provide the customer with a clear indication of what information needs to be inputted or otherwise selected to manage the transfer of funds. As such the present invention provides a consolidated and simplified approach to managing fund transfer requests; thus making it easy for customers to conduct and schedule fund transfers.

    Abstract translation: 在用于管理资金转移的平台内的用户界面的直观布局，否则称为GUI或数字形式。 本发明提供客户选择转让人账户和受让人帐户和/或接收方，并且响应于选择，呈现特定于转移类型和/或转账账户的转账选项的显示。 此外，显示的传送信息位于用户界面内，以向客户提供需要输入或以其他方式选择的信息以便管理资金的转移的明确指示。 因此，本发明提供了一种综合和简化的管理资金转移请求的方法; 从而使客户容易进行和安排资金转移。

    SYSTEM FOR ASSESSING IMPACT OF FUND TRANSFERS ON RETIREMENT PLANNING
    9.
    发明申请
    SYSTEM FOR ASSESSING IMPACT OF FUND TRANSFERS ON RETIREMENT PLANNING 审中-公开
    评估基金转移对退休计划影响的制度

    公开(公告)号：US20160253757A1

    公开(公告)日：2016-09-01

    申请号：US14626775

    申请日：2015-02-19

    Applicant: Bank Of America Corporation

    Inventor： Jeanne Ferullo Connolly ,  Katherine Dintenfass ,  Matthew Hsieh ,  Carrie Anne Hanson ,  Dariane Katinka Hunt

    IPC: G06Q40/06

    CPC classification number: G06Q40/06

    Abstract: Embodiments of the invention comprise systems, computer program products, and methods for retirement planning. The financial institution accesses the values of assets and liabilities of users over a network from various servers, systems, and devices that store asset and liability information of the users. The financial institution determines estimated inflows and outflows from past inflows and outflows and any other significant future events over the network from various servers, systems, and devices that store transaction information. The financial institution calculates an available fund amount that a user can spend over a period of time, and an age parameter indicating the age at which the user's inflows and assets will not be able to cover the user's outflows. The financial institution displays the information in an interactive interface over the network that allows the user to make adjustments to the available fund amount and/or the age parameter to adjust retirement planning.

    Abstract translation: 本发明的实施例包括系统，计算机程序产品和用于退休计划的方法。 金融机构从存储用户资产和负债信息的各种服务器，系统和设备访问网络中用户的资产和负债的价值。 金融机构从存储交易信息的各种服务器，系统和设备中确定过去流入和流出以及网络上任何其他重大未来事件的流入和流出。 金融机构计算用户可以花费一段时间的可用资金金额，以及指示用户流入和资产不能覆盖用户流出的年龄的年龄参数。 金融机构通过网络在互动界面中显示信息，允许用户对可用资金金额和/或年龄参数进行调整，以调整退休计划。

    SYSTEM FOR ASSESSING IMPACT OF FINANCIAL EVENTS ON RETIREMENT PLANNING
    10.
    发明申请
    SYSTEM FOR ASSESSING IMPACT OF FINANCIAL EVENTS ON RETIREMENT PLANNING 审中-公开
    评估财务事项影响退休计划的制度

    公开(公告)号：US20160247231A1

    公开(公告)日：2016-08-25

    申请号：US14626810

    申请日：2015-02-19

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Jeanne Ferullo Connolly ,  Katherine Dintenfass ,  Matthew Hsieh ,  Carrie Anne Hanson ,  Dariane Katinka Hunt

    IPC: G06Q40/06

    CPC classification number: G06Q40/06

    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing impact of financial events on retirement planning. The system is configured to receive information associated with financial institution accounts of the user; initiate presentation of a spend user interface to the user, wherein the spend user interface comprises at least selectable financial event options for the one or more financial events that could occur for the user; receive, via the spend user interface, a user selection of a financial event from the one or more financial events; determine one or more payment options from the financial institution accounts for the financial event selected by the user; and calculate a new amount of spendable funds or a new estimated amount of time associated with an availability of the amount of funds available in the financial institution accounts.

    Abstract translation: 本发明的实施例涉及用于评估财务事件对退休计划的影响的系统，方法和计算机程序产品。 该系统被配置为接收与用户的金融机构帐户相关联的信息; 开始向用户呈现支出用户界面，其中所述支出用户界面包括用于所述用户可能发生的所述一个或多个金融事件的至少可选择的金融事件选项; 通过所述支出用户界面从所述一个或多个金融事件接收对金融事件的用户选择; 从金融机构帐户确定用户选择的财务事件的一个或多个付款选项; 并计算新的可支配资金金额或与金融机构账户中可用资金数量相关的新估计时间。

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