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1. 发明专利

TW200527248A 管理供應鏈之解決,風險及流動性的系統與方法 SYSTEM AND METHOD TO MANAGE SUPPLY CHAIN SETTLEMENT, RISK AND LIQUIDITY 审中-公开
简体标题：管理供应链之解决,风险及流动性的系统与方法 SYSTEM AND METHOD TO MANAGE SUPPLY CHAIN SETTLEMENT, RISK AND LIQUIDITY
公开(公告)号：TW200527248A
公开(公告)日：2005-08-16
申请号：TW093129744
申请日：2004-10-01
申请人：美國銀行公司 BANK OF AMERICA CORPORATION
发明人：威廉J 傑特 JETTER, WILLIAM J. , 保羅A 强生 JOHNSON, PAUL A. , 雪蘿B 希爾 SILL, CHERYL B. , 馬克D 贊洛特 ZANZOT, MARK D. , 麥可J 柯利斯 COLLIS, MICHAEL J. , 杉傑H 摩地 MODY, SANJAY H. , 大衛G 科洛爾 CORRAL, DAVID G. , 詹姆士凱希 KEESEY, JAMES
IPC分类号： G06Q , G06F
CPC分类号： G06Q30/0601 , G06Q10/06 , G06Q30/0635 , G06Q40/12 , G06Q50/188
摘要：本發明係揭示一種用以管理供應鏈之系統，其包括一訂購單管理模組，可操作於一處理器上，用於以電子方式接收來自買方的訂購單資訊，以及用以儲存及追蹤各訂購單相關聯之資訊。該系統亦包括一發票和交易文件管理模組，用於以電子方式儲存、彙總及管理各訂購單相關之發票和交易文件以及各訂購單之提出及調解所需之資訊。
简体摘要：本发明系揭示一种用以管理供应链之系统，其包括一订购单管理模块，可操作于一处理器上，用于以电子方式接收来自买方的订购单信息，以及用以存储及追踪各订购单相关联之信息。该系统亦包括一发票和交易文档管理模块，用于以电子方式存储、汇总及管理各订购单相关之发票和交易文档以及各订购单之提出及调解所需之信息。

2. 发明专利

TW200508916A 用以從一資料庫取得資訊之系統及方法 SYSTEM AND METHOD TO ACQUIRE INFORMATION FROM A DATABASE 审中-公开
简体标题：用以从一数据库取得信息之系统及方法 SYSTEM AND METHOD TO ACQUIRE INFORMATION FROM A DATABASE
公开(公告)号：TW200508916A
公开(公告)日：2005-03-01
申请号：TW093106241
申请日：2004-03-09
申请人：美國銀行公司 BANK OF AMERICA CORPORATION
发明人：丹尼爾L 漢德森 HENDERSON, DANIEL L. , 艾略特B 里伯曼 LIEBERMAN, ELLIOTT B. , 查爾斯M 費雪 FRESCHL, CHARLES M. , 丹尼S 索莫里 SOEMERI, DENI S.
IPC分类号： G06F
CPC分类号： G06Q10/10 , G06F17/30893
摘要：揭示一種取得資訊之系統與方法。該系統可包括一處理器以執行一查詢應用程式(query application)來從一個或更多資料庫來取得所選擇資訊。該查詢應用程式包括一用戶端層(client layer)及與該用戶端層界接之一表達層(presentation layer)。可提供一資料存取層(data access layer)且可提供一介面層(interface layer)於該表達層與該資料庫存取層間界接。
简体摘要：揭示一种取得信息之系统与方法。该系统可包括一处理器以运行一查找应用进程(query application)来从一个或更多数据库来取得所选择信息。该查找应用进程包括一用户端层(client layer)及与该用户端层界接之一表达层(presentation layer)。可提供一数据存取层(data access layer)且可提供一界面层(interface layer)于该表达层与该数据库存取层间界接。

3. 发明申请

WO2017081534A1 BLOCK CHAIN ALIAS FOR PERSON-TO-PERSON PAYMENTS 审中-公开
标题翻译：块链别名用于人与人之间的付款
公开(公告)号：WO2017081534A1
公开(公告)日：2017-05-18
申请号：PCT/IB2016/001655
申请日：2016-11-10
申请人： BANK OF AMERICA CORPORATION
发明人： CASTINADO, Joseph, B. , THOMAS, Richard, Huw , BALASUBRAMANIAN, Venkatakrishnan
IPC分类号： G06F21/00
CPC分类号： G06Q20/4014 , G06F17/3033 , G06Q20/223 , G06Q20/385 , H04L9/3236 , H04L2209/38 , H04L2209/56
摘要： Embodiments provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for mapping aliases. Embodiments create an alias-token pair linking an alias associated with a customer to a token associated with an account owned by the customer; and map the alias-token pair to an address associated with the customer on a directory services (DS) block chain. In some cases, the system manages alias- token lifecycle including enabling editing and deleting the alias-token pair mapped to the address. In some cases, the system registers the address of the customer with the DS block chain. Such registering may include receiving a selection from the customer regarding desired node for registering the customer address; connecting with the DS block chain; and creating an account associated with the customer including creating a unique address associated with the customer and registering it with the DS block chain.
摘要翻译：实施例提供了一种与块链分布式网络可操作地连接并且用于使用块链分布式网络来映射别名的系统。实施例创建将与客户相关联的别名链接到与客户所拥有的账户相关联的令牌的别名 - 令牌对; 并将别名 - 令牌对映射到与目录服务（DS）块链上的客户关联的地址。在某些情况下，系统管理别名令牌生命周期，包括启用编辑和删除映射到地址的别名令牌对。在某些情况下，系统会将客户的地址注册到DS块链中。这样的注册可以包括从顾客接收关于期望节点的用于注册顾客地址的选择; 连接DS块链; 并创建一个与客户相关的账户，包括创建与客户相关的唯一地址，并将其注册到DS块链中。

4. 发明申请

WO2016187323A1 SYSTEMS AND METHODS FOR MANAGING FINANCIAL PAYMENTS BETWEEN PARTIES 审中-公开
标题翻译：管理双方之间财务付款的制度和方法
公开(公告)号：WO2016187323A1
公开(公告)日：2016-11-24
申请号：PCT/US2016/033108
申请日：2016-05-18
申请人： MASTERCARD INTERNATIONAL INCORPORATED , BANK OF AMERICA CORPORATION
发明人： BROWN, David C. , HOSP, Adam K. , LOPES, Victor , BERTANZETTI, Peter John , GRIGG, David M.
IPC分类号： G06Q30/06 , G06Q20/32 , G06Q20/38 , G06Q20/40 , G06Q50/30 , H04L29/12
CPC分类号： G06Q20/10 , G06Q20/3821
摘要： A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.
摘要翻译：提供了一种用于管理使用电子支付计算设备的各方之间的财务支付的计算机实现的方法。该方法包括从收款人计算设备接收收款人借记帐户标识符，与收款人借记帐户相关联的收款人借记帐户标识符; 使用所述收款人借记帐户识别符创建收款人用户账户，其中所述收款人用户账户与所述收款人借记帐户相关联; 从收款人计算设备接收从付款人请求付款的第一付款请求; 生成用于访问与第一支付请求相关联的支付页面的唯一链接; 向支付者计算设备发送第二支付请求，其中所述第二支付请求包括唯一链接; 从付款人计算设备接收授权从付款人借记帐户向收款人付款的付款响应; 并促使资金从支付者借记科目转入收款人借记科目。

5. 发明申请

WO2015047490A1 UTILIZING VOICE BIOMETRICS 审中-公开
标题翻译：利用语音生物学
公开(公告)号：WO2015047490A1
公开(公告)日：2015-04-02
申请号：PCT/US2014/043215
申请日：2014-06-19
申请人： BANK OF AMERICA CORPORATION
发明人： TIMEM, Joseph , PERRY, Donald , ROSENBERGER, Jenny , KARPEY, David
IPC分类号： G06Q30/06
CPC分类号： G06Q20/40145 , G06F21/32 , G06Q20/1085 , G06Q20/12 , G06Q20/206 , G06Q20/3223 , G06Q20/3227
摘要： Methods, systems, computer-readable media, and apparatuses for utilizing voice biometrics to provide relationship-based service are presented. In some embodiments, a computing device may receive a voice sample associated with a customer of an organization. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may determine a relationship between the customer and the organization based on the voice sample and the voice biometric confidence score.
摘要翻译：提出了方法，系统，计算机可读介质和用于利用语音生物识别技术提供基于关系的服务的装置。在一些实施例中，计算设备可以接收与组织的客户相关联的语音样本。随后，计算设备可以基于语音样本来确定语音生物特征置信度得分。然后，计算设备可以基于语音样本和语音生物特征置信度得分确定顾客与组织之间的关系。

6. 发明申请

WO2014159693A1 CARD WITH EDGE INDICATORS 审中-公开
标题翻译：卡边指示器
公开(公告)号：WO2014159693A1
公开(公告)日：2014-10-02
申请号：PCT/US2014/024783
申请日：2014-03-12
申请人： BANK OF AMERICA CORPORATION
发明人： TATTERSALL, Kenneth, G.
IPC分类号： G09F3/02 , B32B3/02
CPC分类号： B32B3/02 , B32B27/08 , B32B2307/208 , B32B2425/00 , G06K19/00 , G07F7/08
摘要： Embodiments of the invention are directed to cards that comprise indicators on the edge of the card stock to help identify the card. The indicators may be projections on the edge of the card stock formed by ridges, grooves, dimples, burrs, protrusions, or other like projections that provide at least a portion of the edge of the card stock with a textured surface, A user may identify the card by viewing the projections or touching the projections on the edge of the card stock, and identifying die type of projections, height of the projections, or the spacing of the projections on the edge of the card stock, The ability to identify the card stock simply through touch may be useful to visually impaired users for differentiating between types of cards that may otherwise be difficult to identify without projections.
摘要翻译：本发明的实施例涉及包括卡片边缘上的指示器以帮助识别卡的卡。指示器可以是由脊部，凹槽，凹坑，毛刺，突起或其它类似突起形成的卡片坯料的边缘上的突起，其提供卡片坯料的边缘的至少一部分具有纹理表面。用户可以识别通过观察突出物或接触卡片坯料边缘上的突起，以及识别突起的模具类型，突起的高度或卡片存储器边缘上的突起的间距，识别卡片的能力仅通过触摸进行的存储可能对视觉受损的用户有用，以区分可能难以识别而不具有投影的卡类型。

7. 发明申请

WO2014074189A1 AUTOMATIC DISPLAY OF USER-SPECIFIC FINANCIAL INFORMATION BASED ON AUDIO CONTENT RECOGNITION 审中-公开
标题翻译：基于音频内容识别自动显示用户特定的财务信息
公开(公告)号：WO2014074189A1
公开(公告)日：2014-05-15
申请号：PCT/US2013/054689
申请日：2013-08-13
申请人： BANK OF AMERICA CORPORATION
发明人： JONES, Alicia C. , PERKINS, Matthew , BURGESS, James E.
IPC分类号： H04H60/32
CPC分类号： H04N21/4622 , G06Q40/12 , H04H60/46 , H04H60/58 , H04N21/233 , H04N21/251 , H04N21/25875 , H04N21/25891 , H04N21/2665 , H04N21/4126 , H04N21/41407 , H04N21/42203 , H04N21/4223 , H04N21/42676 , H04N21/4316 , H04N21/43637 , H04N21/4394 , H04N21/4415 , H04N21/4532 , H04N21/454 , H04N21/4753 , H04N21/47805 , H04N21/6581
摘要： Aspects herein describe at least a new method, system, and computer readable storage media for recognizing the content of the audio. A computing device determines whether the content comprises one or more financial products and services offered by a financial institution, correlates the one or more financial products and services with a profile of a person, determines a subset of the one or more financial products and services that are of interest to the person based on the correlation, and transmits data related to the subset to a television for viewing by the person. The subset of the one or more products and services are displayed on a portion of the screen of the television.
摘要翻译：本文中的方面至少描述了用于识别音频内容的新方法，系统和计算机可读存储介质。计算设备确定内容是否包括金融机构提供的一个或多个金融产品和服务，将一个或多个金融产品和服务与个人资料相关联，确定一个或多个金融产品和服务的子集，是基于相关性对人的兴趣，并且将与该子集相关的数据发送到电视机以供人观看。一个或多个产品和服务的子集显示在电视屏幕的一部分上。

8. 发明申请

WO2014031217A3 MANAGEMENT OF DATABASE DEPLOYMENT 审中-公开
公开(公告)号：WO2014031217A3
公开(公告)日：2014-02-27
申请号：PCT/US2013/046703
申请日：2013-06-20
申请人： BANK OF AMERICA CORPORATION
发明人： MALHOTRA, Sameer , PARSACALA, Nazario , CHUAH, Jooi-Teong
IPC分类号： G06F7/00
摘要： Apparatuses, computer readable media, methods, and systems are described for provisioning of databases, which may include processing a request to generate a database, wherein the request comprises a database parameter; determining a lease term for the database; generating the database based on the database parameter; and communicating a notification containing information regarding the database and the lease term.

9. 发明申请

WO2014014525A1 IMPLEMENTING SECURITY MEASURES FOR AUTHORIZED TOKENS USED IN MOBILE TRANSACTIONS 审中-公开
标题翻译：在移动交易中使用授权的玩具的实施安全措施
公开(公告)号：WO2014014525A1
公开(公告)日：2014-01-23
申请号：PCT/US2013/034957
申请日：2013-04-02
申请人： BANK OF AMERICA CORPORATION
发明人： CALMAN, Matthew, A.
IPC分类号： G06Q20/36
CPC分类号： G06Q20/367 , G06F21/33 , G06F21/6218 , G06F2221/2139 , G06Q20/3224
摘要： Security measures for tokens comprise storing security rules associated with a generated token in a memory. A processor, communicatively coupled to the memory, accesses the security rules associated with the generated token and determines whether to encrypt the generated token by applying at least a portion of the security rules to the generated token. The processor encrypts the generated token. An interface, communicatively coupled to the processor, communicates the encrypted token to a mobile device associated with a user.
摘要翻译：令牌的安全措施包括将与生成的令牌相关联的安全规则存储在存储器中。通信地耦合到存储器的处理器访问与生成的令牌相关联的安全规则，并且通过将至少一部分安全规则应用于生成的令牌来确定是否加密所生成的令牌。处理器加密生成的令牌。通信地耦合到处理器的接口将加密的令牌传送到与用户相关联的移动设备。

10. 发明申请

WO2013025599A2 APPARATUS AND METHOD FOR HANDLING TRANSACTION TOKENS 审中-公开
标题翻译：装置和处理交易方法
公开(公告)号：WO2013025599A2
公开(公告)日：2013-02-21
申请号：PCT/US2012/050560
申请日：2012-08-13
申请人： BANK OF AMERICA CORPORATION , RADHAKRISHNAN, Rakesh
发明人： RADHAKRISHNAN, Rakesh
IPC分类号： G06F17/00 , G06F21/00
CPC分类号： H04L63/0807 , G06F21/32 , G06F21/335 , G06F21/577 , G06F2221/2111 , G06F2221/2115 , H04L63/10
摘要： According to one embodiment, an apparatus may store a plurality of token based rules. A token-based rule may facilitate the processing of transactions. The apparatus may receive a transaction token indicating that a transaction associated with an entity has been requested. The apparatus may determine at least one token-based rule based at least in part upon the transaction token. The at least one token-based rule may indicate that there is a risk that the transaction is fraudulent. The apparatus may determine that the transaction should be denied based at least in part upon the risk that the transaction is fraudulent.
摘要翻译：根据一个实施例，设备可以存储多个基于令牌的规则。基于令牌的规则可以促进事务的处理。设备可以接收指示与实体相关联的事务已被请求的交易令牌。该装置可以至少部分地基于交易令牌来确定至少一个基于令牌的规则。至少一个基于令牌的规则可以指示存在交易是欺诈的风险。该装置可以至少部分地基于交易是欺诈的风险来确定该交易应被拒绝。

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