公开(公告)号：US20180204152A1

公开(公告)日：2018-07-19

申请号：US15463444

申请日：2017-03-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Edward J. Achtner ,  Nitu Nanda ,  Suma Nagappa Kumaraswamy

IPC: G06Q10/06 ,  H04L29/08 ,  G06Q50/00

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for extraction and utilization of user activity across networks platforms for correlation and updating of user resource needs. As such, the invention categorically identifies and alternates user resource needs based on network platform monitoring modules embedded within the network platform. In this way, the system may categorically alter user resource needs based on user activity across the network platforms for user resource recommendations.

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

IPC: H04L29/08 ,  G06Q40/02 ,  G06Q30/04

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.

公开(公告)号：US10423911B2

公开(公告)日：2019-09-24

申请号：US15463449

申请日：2017-03-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Edward J. Achtner ,  Caitlin Chrisman Bullock ,  Nitu Nanda ,  Natalie Elizabeth Tolles ,  Suma Nagappa Kumaraswamy

IPC: H04L29/08 ,  G06Q10/06 ,  G06Q50/00 ,  G06F16/9535 ,  H04L29/06 ,  H04L12/911 ,  G06F3/0482

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for extraction and utilization of user activity across networks platforms for achievement prediction and leveraging. As such, the user network activity is identified and paired with user information. Utilizing the network activity and user information the system dynamically generates a virtual visualization simulation. This virtual visualization simulation trends achievements and illustrates future user simulations based on user network activity and actions.

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.

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

IPC: H04L29/08 ,  H04L29/06

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.

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.

公开(公告)号：US10262285B2

公开(公告)日：2019-04-16

申请号：US15463515

申请日：2017-03-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Edward J. Achtner ,  Suma Nagappa Kumaraswamy ,  Natalie Elizabeth Tolles ,  Caitlin Chrisman Bullock

IPC: G06F15/173 ,  G06F15/16 ,  G06Q10/06 ,  G06Q50/00 ,  H04L29/08 ,  H04L29/06 ,  G06F17/30 ,  H04L12/911 ,  G06F3/0482

Abstract: Systems, computer program products, and methods are described herein for correlating resource utilization requirements based on utilization of affiliated resources. The present invention is configured to retrieve information associated with one or more resources associated with a user; receive a query, wherein the query is associated with a resource distribution goal; determine one or more peers associated with the user; retrieve one or more resource distribution profiles associated with each of the one or more peers associated with the user from one or more network platforms; determine a first resource distribution profile determined to enable the user to achieve the resource distribution goal from the distribution profiles of the one or more peers; and implement the first distribution profile to the one or more resources associated with the user.

公开(公告)号：US20180205664A1

公开(公告)日：2018-07-19

申请号：US15463515

申请日：2017-03-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Edward J. Achtner ,  Suma Nagappa Kumaraswamy ,  Natalie Elizabeth Tolles ,  Caitlin Chrisman Bullock

IPC: H04L12/911 ,  H04L29/08 ,  G06F17/30

CPC classification number: G06Q10/06315 ,  G06F3/0482 ,  G06F17/30867 ,  G06Q10/0631 ,  G06Q10/06313 ,  G06Q50/01 ,  H04L47/70 ,  H04L63/10 ,  H04L67/22 ,  H04L67/306

Abstract: Systems, computer program products, and methods are described herein for correlating resource utilization requirements based on utilization of affiliated resources. The present invention is configured to retrieve information associated with one or more resources associated with a user; receive a query, wherein the query is associated with a resource distribution goal; determine one or more peers associated with the user; retrieve one or more resource distribution profiles associated with each of the one or more peers associated with the user from one or more network platforms; determine a first resource distribution profile determined to enable the user to achieve the resource distribution goal from the distribution profiles of the one or more peers; and implement the first distribution profile to the one or more resources associated with the user.

公开(公告)号：US20180204159A1

公开(公告)日：2018-07-19

申请号：US15463456

申请日：2017-03-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Edward J. Achtner ,  Caitlin Chrisman Bullock ,  Suma Nagappa Kumaraswamy ,  Nikki Ayanna Benton

IPC: G06Q10/06 ,  H04L29/06

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a factor value generation system based on use resource distribution and experience indications. The system utilizes user activity across networks platforms for correlation and updating of user experiences. Matching these experiences with resource distribution, the system provides value generation for the experience. Post experience user activity across the network platforms is compiled for factor value generation of the experience. The invention presents the factor value generation via secure communication portal for review by user and interested parties.

公开(公告)号：US20180203583A1

公开(公告)日：2018-07-19

申请号：US15463449

申请日：2017-03-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Edward J. Achtner ,  Caitlin Chrisman Bullock ,  Nitu Nanda ,  Natalie Elizabeth Tolles ,  Suma Nagappa Kumaraswamy

IPC: G06F3/0481 ,  G06Q50/00 ,  H04L29/08 ,  H04L12/26

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for extraction and utilization of user activity across networks platforms for achievement prediction and leveraging. As such, the user network activity is identified and paired with user information. Utilizing the network activity and user information the system dynamically generates a virtual visualization simulation. This virtual visualization simulation trends achievements and illustrates future user simulations based on user network activity and actions.