公开(公告)号：US09515838B2

公开(公告)日：2016-12-06

申请号：US14566964

申请日：2014-12-11

Applicant: Bank of America Corporation

Inventor： David C. McCoy ,  Russell Lewis

IPC: H04N7/14 ,  H04L12/18 ,  H04N7/15 ,  H04L29/06 ,  H04L12/801

CPC classification number: H04L12/1827 ,  H04L12/1818 ,  H04L47/127 ,  H04L65/403 ,  H04L65/80 ,  H04N7/15

Abstract: Aspects of the disclosure relate to a bandwidth adaptive communication event scheduling system. The system can provide an availability recommendation for a communication event based on bandwidth usage. A user can request to schedule a communication event at a future time based on the availability recommendation, and the system can determine whether to approve or deny the request based the details of the request and predicted or real-time bandwidth usage.

Abstract translation: 本公开的方面涉及带宽自适应通信事件调度系统。 系统可以根据带宽使用情况为通信事件提供可用性建议。 用户可以基于可用性推荐请求在未来的时间安排通信事件，并且系统可以基于请求的细节和预测或实时带宽使用来确定是否批准或拒绝请求。

公开(公告)号：US20160014552A1

公开(公告)日：2016-01-14

申请号：US14327847

申请日：2014-07-10

Applicant: Bank of America Corporation

Inventor： Carrie Anne Hanson ,  Don Cardinal ,  Sharon Scanlon ,  Davindar Gill ,  Alicia C. Jones ,  Russell Lewis

IPC: H04W4/02 ,  G06Q20/32

CPC classification number: H04W4/02 ,  G06Q20/108 ,  G06Q20/3224 ,  G06Q20/40 ,  G06Q20/405

Abstract: Systems and methods for using proximity positioning systems to determine an identity and location of a user, and process a pre-staged transaction based on the determined information are provided. In some examples, a transaction may be initiated by a user. A financial institution may pre-process the transaction and, upon establishing a physical presence of the user at a banking center, may further process and/or complete the transaction. The physical presence of the user may be established based on a signal from a location beacon at the banking center being detected by a personal computing device of the user. Because the personal computing device is within a predefined proximity of the location beacon in order to detect the signal, the location of the location beacon, and, thus the personal computing device may be determined, and an identity of the user may be determined.

Abstract translation: 提供了使用接近定位系统来确定用户的身份和位置以及基于确定的信息来处理预分段交易的系统和方法。 在一些示例中，事务可以由用户发起。 金融机构可以预处理交易，并且在银行中心建立用户的实际存在时，可以进一步处理和/或完成交易。 可以基于由用户的个人计算设备检测到的来自银行中心的位置信标的信号来建立用户的物理存在。 由于个人计算设备在位置信标的预定义的接近度内以便检测信号，因此可以确定位置信标的位置，并且因此可以确定个人计算设备的位置，并且可以确定用户的身份。

公开(公告)号：US20160173292A1

公开(公告)日：2016-06-16

申请号：US14566964

申请日：2014-12-11

Applicant: Bank of America Corporation

Inventor： David C. McCoy ,  Russell Lewis

IPC: H04L12/18 ,  H04L12/801 ,  H04L29/06 ,  H04N7/15

CPC classification number: H04L12/1827 ,  H04L12/1818 ,  H04L47/127 ,  H04L65/403 ,  H04L65/80 ,  H04N7/15

Abstract: Aspects of the disclosure relate to a bandwidth adaptive communication event scheduling system. The system can provide an availability recommendation for a communication event based on bandwidth usage. A user can request to schedule a communication event at a future time based on the availability recommendation, and the system can determine whether to approve or deny the request based the details of the request and predicted or real-time bandwidth usage.

Abstract translation: 本公开的方面涉及带宽自适应通信事件调度系统。 系统可以根据带宽使用情况为通信事件提供可用性建议。 用户可以基于可用性推荐请求在未来的时间安排通信事件，并且系统可以基于请求的细节和预测或实时带宽使用来确定是否批准或拒绝请求。

公开(公告)号：US20160012450A1

公开(公告)日：2016-01-14

申请号：US14327568

申请日：2014-07-10

Applicant: Bank of America Corporation

Inventor： Carrie Anne Hanson ,  Russell Lewis

IPC: G06Q30/00 ,  H04W4/04

Abstract: A computing platform may receive a plurality of messages comprising data indicating physical presence of customers of a financial institution at a physical banking center location of the financial institution from an indoor positioning system located at the physical banking center location of the financial institution. Responsive to determining that the number of customers known to be currently located at the physical banking center location of the financial institution exceeds a threshold associated with the physical banking center location of the financial institution, the computing platform may identify an alternate mode of servicing at least one customer of the customers of the financial institution at the physical banking center location of the financial institution.

Abstract translation: 计算平台可以从位于金融机构的实体银行中心位置的室内定位系统接收多个消息，其包括指示金融机构的物理银行中心位置处的金融机构的客户的实际存在的数据。 响应于确定已知目前位于金融机构的实体银行中心位置的客户的数量超过与金融机构的实体银行中心位置相关联的阈值，则计算平台可以至少识别替代的服务模式 在金融机构的实体银行中心位置的金融机构的客户的一个客户。

公开(公告)号：US09432804B2

公开(公告)日：2016-08-30

申请号：US14327847

申请日：2014-07-10

Applicant: Bank of America Corporation

Inventor： Carrie Anne Hanson ,  Don Cardinal ,  Sharon Scanlon ,  Davindar Gill ,  Alicia C. Jones ,  Russell Lewis

IPC: G06Q40/00 ,  H04W4/02 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/10

CPC classification number: H04W4/02 ,  G06Q20/108 ,  G06Q20/3224 ,  G06Q20/40 ,  G06Q20/405

Abstract: Systems and methods for using proximity positioning systems to determine an identity and location of a user, and process a pre-staged transaction based on the determined information are provided. In some examples, a transaction may be initiated by a user. A financial institution may pre-process the transaction and, upon establishing a physical presence of the user at a banking center, may further process and/or complete the transaction. The physical presence of the user may be established based on a signal from a location beacon at the banking center being detected by a personal computing device of the user. Because the personal computing device is within a predefined proximity of the location beacon in order to detect the signal, the location of the location beacon, and, thus the personal computing device may be determined, and an identity of the user may be determined.

Abstract translation: 提供了使用接近定位系统来确定用户的身份和位置以及基于确定的信息来处理预分段交易的系统和方法。 在一些示例中，事务可以由用户发起。 金融机构可以预处理交易，并且在银行中心建立用户的实际存在时，可以进一步处理和/或完成交易。 可以基于由用户的个人计算设备检测到的来自银行中心的位置信标的信号来建立用户的物理存在。 由于个人计算设备在位置信标的预定义的接近度内以便检测信号，因此可以确定位置信标的位置，并且因此可以确定个人计算设备的位置，并且可以确定用户的身份。