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公开(公告)号：US20200014770A1
公开(公告)日：2020-01-09
申请号：US16573106
申请日：2019-09-17
Applicant: BANK OF AMERICA CORPORATION
Inventor： Alicia C. Jones-McFadden , Suma Nagappa Kumaraswamy , Matthew Hsieh , Scott R. Enscoe , Elizabeth Ann Miller , Alicia Anli Salvino , Daniel Shilov , Michael Anderson , Raghav Anand
IPC: H04L29/08
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for operative communication channel linkage between a user and subscription services for effective and efficient communicate with the third parties associated with the subscriptions. The invention eliminates the storage and processing requirement of a user device and allows a user system to use a single communication channel for communication for a centralized subscription regulation interface for subscription management and communications. The system identifies subscriptions from resource management sources and correlates the subscriptions to the subscription regulation interface for monitoring and trigger analysis based on locational and transactional user extraction.
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公开(公告)号：US20180103086A1
公开(公告)日：2018-04-12
申请号：US15288826
申请日：2016-10-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： Alicia C. Jones-McFadden , Suma Nagappa Kumaraswamy , Matthew Hsieh , Scott R. Enscoe , Elizabeth Ann Miller , Alicia Anli Salvino , Daniel Shilov , Michael Anderson , Raghav Anand
CPC classification number: H04L67/22 , G06Q30/04 , G06Q40/02 , H04L67/306
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for operative communication channel linkage between a user and subscription services for effective and efficient communicate with the third parties associated with the subscriptions. The invention eliminates the storage and processing requirement of a user device and allows a user system to use a single communication channel for communication for a centralized subscription regulation interface for subscription management and communications. The system identifies subscriptions from resource management sources and correlates the subscriptions to the subscription regulation interface for monitoring and trigger analysis based on locational and transactional user extraction.
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公开(公告)号：US10057145B2
公开(公告)日：2018-08-21
申请号：US15290750
申请日：2016-10-11
Applicant: Bank of America Corporation
Inventor： Alicia C. Jones-McFadden , Matthew Hsieh , Scott R. Enscoe , Raghav Anand , Michael Anderson , Elizabeth Ann Miller , Daniel Shilov , Alicia Anli Salvino
IPC: G06F15/177 , H04L12/26 , H04L29/08 , H04L12/24 , G06Q40/00
CPC classification number: H04L43/08 , G06Q40/12 , H04L41/0816 , H04L43/16 , H04L67/20 , H04L67/22 , H04L67/26
Abstract: Pre-configured resource acquisitions are established and maintained in a database. The occurrence or imminent occurrence of an computer network-based event that impacts the pre-configured resource acquisition are monitored or tracked and, based on the determined impact of the computer network-based event, at least one of the occurrence of the computer network-based event is prevented or the user is notified of the impact of the computer-network based event on the pre-configured resource acquisition.
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公开(公告)号：US20180103112A1
公开(公告)日：2018-04-12
申请号：US15288833
申请日：2016-10-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： Alicia C. Jones-McFadden , Matthew Hsieh , Scott R. Enscoe , Elizabeth Ann Miller , Alicia Anli Salvino , Daniel Shilov , Michael Anderson , Raghav Anand
CPC classification number: G06Q20/00 , G06Q20/405
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for identifying duplicate third party interactions based on information extracted from multiple resources associated with an enrolled user. Furthermore, the system may automatically modify a duplicate third party interaction upon identification, wherein the system may cancel the duplicate third party interaction by interrupting payments to the third party provider associated with the duplicate interaction. This allows for duplicate interactions to be canceled on behalf of the user without the system knowing user login information associated with the third party interaction. Additionally, the system may provide options for modifying duplicate interactions to the user by way of actionable notifications on the user's computing device via a client application. The system may also provide the user with reasons for why similarly-situated users modified third party interactions to aid the user's decision making process.
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5.发明申请公开(公告)号：US20180101985A1
公开(公告)日：2018-04-12
申请号：US15288081
申请日：2016-10-07
Applicant: Bank of America Corporation
Inventor： Alicia C. Jones-McFadden , Matthew Hsieh , Scott R. Enscoe , Raghav Anand , Michael Anderson , Elizabeth Ann Miller , Daniel Shilov , Alicia Anli Salvino
CPC classification number: G06T19/006 , G02B27/017 , G06F3/011 , G06F3/012 , G06K9/00671 , G06Q30/00 , G06T19/00
Abstract: Systems provide for a virtual reality experience of a predicted future state based on the occurrence or contemplation of an event. Other systems herein described provide for an augmented reality experience that replaces an object within view with an augmented display of the object based on the predicted future state of the object.
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Patent Agency Ranking
公开(公告)号：US10726434B2
公开(公告)日：2020-07-28
申请号：US16656204
申请日：2019-10-17
Applicant: BANK OF AMERICA CORPORATION
Inventor： Alicia C. Jones-McFadden , Matthew Hsieh , Scott R. Enscoe , Raghav Anand , Michael Anderson , Elizabeth Ann Miller , Daniel Shilov , Alicia Anli Salvino
IPC: G06Q30/02 , G06N20/00 , G06F3/0481
Abstract: Embodiments leverage an artificial intelligence engine to generate customer-specific user experiences based on real-time analysis of customer responses to recommend and/or experienced features. Some embodiments access a profile of an end user comprising at least one first characteristic associated with the end user and extract end user information from a database of an entity server; identify a first trend related to resource utilization and/or management implemented by the end user based on the extracted end user information; determine an opportunity based on the identified first trend; in response to determining the opportunity, transmit control signals configured to cause the graphical user interface of the device of the end user to display graphically at least one recommendation based on the determined opportunity to the end user; and receive an input selecting or declining at least one recommendation. These inputs may correlate to a modified interface experience.
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公开(公告)号：US10476974B2
公开(公告)日：2019-11-12
申请号：US15288826
申请日：2016-10-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： Alicia C. Jones-McFadden , Suma Nagappa Kumaraswamy , Matthew Hsieh , Scott R. Enscoe , Elizabeth Ann Miller , Alicia Anli Salvino , Daniel Shilov , Michael Anderson , Raghav Anand
IPC: H04L29/08
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for operative communication channel linkage between a user and subscription services for effective and efficient communicate with the third parties associated with the subscriptions. The invention eliminates the storage and processing requirement of a user device and allows a user system to use a single communication channel for communication for a centralized subscription regulation interface for subscription management and communications. The system identifies subscriptions from resource management sources and correlates the subscriptions to the subscription regulation interface for monitoring and trigger analysis based on locational and transactional user extraction.
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公开(公告)号：US10055891B2
公开(公告)日：2018-08-21
申请号：US15288081
申请日：2016-10-07
Applicant: Bank of America Corporation
Inventor： Alicia C. Jones-McFadden , Matthew Hsieh , Scott R. Enscoe , Raghav Anand , Michael Anderson , Elizabeth Ann Miller , Daniel Shilov , Alicia Anli Salvino
CPC classification number: G06T19/006 , G02B27/017 , G02B2027/0138 , G02B2027/014 , G02B2027/0141 , G06F3/011 , G06F3/012 , G06K9/00671 , G06T19/00
Abstract: Systems provide for a virtual reality experience of a predicted future state based on the occurrence or contemplation of an event. Other systems herein described provide for an augmented reality experience that replaces an object within view with an augmented display of the object based on the predicted future state of the object.
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9.发明申请公开(公告)号：US20180101568A1
公开(公告)日：2018-04-12
申请号：US15288819
申请日：2016-10-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： Alicia C. Jones-McFadden , Matthew Hsieh , Scott R. Enscoe , Elizabeth Ann Miller , Alicia Anli Salvino , Daniel Shilov , Michael Anderson , Raghav Anand
IPC: G06F17/30
CPC classification number: G06Q40/02
Abstract: A network communication interface and a memory device storing an anomaly application and a resource application are provided. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine the existence of an anomalous situation for a user; initiate the anomaly application to acquire aggregated metrics from third parties associated with the anomalous situation; and analyze the anomalous situation using the aggregated information. The aggregated metrics may be obtained from the entity system and/or from a third party system. The aggregated metrics may comprise the historical financial record of a plurality of third parties. The aggregated metrics may be obtained by searching a datastore of the entity system for relevant information from a historical record of unrelated individuals.
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公开(公告)号：US10827015B2
公开(公告)日：2020-11-03
申请号：US16573106
申请日：2019-09-17
Applicant: BANK OF AMERICA CORPORATION
Inventor： Alicia C. Jones-McFadden , Suma Nagappa Kumaraswamy , Matthew Hsieh , Scott R. Enscoe , Elizabeth Ann Miller , Alicia Anli Salvino , Daniel Shilov , Michael Anderson , Raghav Anand
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for operative communication channel linkage between a user and subscription services for effective and efficient communicate with the third parties associated with the subscriptions. The invention eliminates the storage and processing requirement of a user device and allows a user system to use a single communication channel for communication for a centralized subscription regulation interface for subscription management and communications. The system identifies subscriptions from resource management sources and correlates the subscriptions to the subscription regulation interface for monitoring and trigger analysis based on locational and transactional user extraction.
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