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61. 发明申请

US20150081467A1 USER-DRIVEN REVERSE AUCTIONS SYSTEMS AND METHODS 审中-公开
标题翻译：用户驱动的反向拍卖系统和方法
公开(公告)号：US20150081467A1
公开(公告)日：2015-03-19
申请号：US14550253
申请日：2014-11-21
申请人： Bank of America Corporation
发明人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw
IPC分类号： G06Q30/08
CPC分类号： G06Q30/08
摘要： Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user.
摘要翻译：提供了用于提供用户驱动的反向拍卖的系统和方法。系统和方法使用户能够针对产品或服务请求出价，接收出价以响应优惠并管理出价。所述方法提供在计算设备处接收来自用户对产品或服务的报价的请求，所述请求包括搜索准则; 基于所述搜索标准，经由所述计算设备识别所述产品或服务的至少一个商家; 将所述请求发送到所述至少一个商家并从所述至少一个商家接收一个或多个出价; 以及通过计算设备将一个或多个出价呈现给用户。

62. 发明授权

US08902279B2 Representative selection for customer service conference 有权
标题翻译：代表性选择客户服务会议
公开(公告)号：US08902279B2
公开(公告)日：2014-12-02
申请号：US13652093
申请日：2012-10-15
申请人： Bank of America Corporation
发明人： Matthew A. Calman , Alicia C. Jones , Elizabeth S. Votaw , Rajat Agrawal , Wanwen Han , Su Liu , Nir Rachmel , Lynn Streja , Carrie Anne Hanson , Cameron Jungeun Park-Hur , James Robert Grimsley
IPC分类号： H04N7/15
CPC分类号： H04N7/15 , G06Q10/1093 , G06Q30/00 , H04L12/1813 , H04L12/1818 , H04M3/5183 , H04M3/567 , H04M2201/38
摘要： Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection; and receive user input selecting one of the at least one representatives for conference connection. Some embodiments establish an operative connection between the user device and a representative system associated with the representative over which the user and the representative can conduct an audio-visual conference.
摘要翻译：本发明的实施例涉及用于帮助用户选择金融机构的客户服务代表以准备客户服务会议的系统，方法和计算机程序产品。实施例确定在用户的用户设备和与金融机构相关联的系统之间正在建立操作连接，使得用户和金融机构的代表可以进行会议; 确定来自潜在代表池的至少一个代表，所述至少一个代表被确定为呈现给用户以供用户选择; 并且接收选择所述至少一个代表之一用于会议连接的用户输入。一些实施例在用户设备和与代表相关联的代表系统之间建立操作连接，用户和代表可以通过该代表进行视听会议。

63. 发明授权

US08867734B2 Functionality during a hold period prior to a customer-service video conference 有权
标题翻译：在客户服务视频会议之前的持续时间内的功能
公开(公告)号：US08867734B2
公开(公告)日：2014-10-21
申请号：US13651674
申请日：2012-10-15
申请人： Bank of America Corporation
发明人： Matthew A. Calman , Alicia C. Jones , Elizabeth S. Votaw , Rajat Agrawal , Wanwen Han , Su Liu , Nir Rachmel , Lynn Streja , Cameron Jungeun Park-Hur , James Robert Grimsley
IPC分类号： H04M3/523
CPC分类号： H04L12/1822 , G06Q30/016 , H04L12/1813 , H04M3/51 , H04M3/5238 , H04M3/567 , H04M2201/38 , H04M2201/50 , H04N7/15
摘要： Embodiments of the invention are directed to systems, methods and computer program products for providing functionality to users during a hold period prior to conducting a customer-service video conference. In specific embodiments of the present invention, the user is able to exit the video conferencing application during the hold period and be subsequently notified when the hold period is about to end and the video conference about to start. Such exiting of the video conference application and subsequent notification of the imminence of the video conference, allows for the user to perform other functions/execute other applications on the device while being assured that the user will have opportunity to conduct the video conference when the user's position in the hold period queue indicates they are next in line for conducting the video conference.
摘要翻译：本发明的实施例涉及用于在进行客户服务视频会议之前的保持期间向用户提供功能的系统，方法和计算机程序产品。在本发明的具体实施例中，用户能够在保持期间退出视频会议应用，并且当保持期即将结束并且视频会议即将开始时随后被通知。视频会议应用的这种退出和随后的视频会议的通知允许用户在设备上执行其他功能/执行其他应用，同时确保用户将有机会在用户的视频会议持续时间队列中的位置表示它们在下一行进行视频会议。

64. 发明授权

US08866878B2 Representative pre-selection for customer service video conference 有权
标题翻译：客户服务视频会议的代表性预选
公开(公告)号：US08866878B2
公开(公告)日：2014-10-21
申请号：US13652175
申请日：2012-10-15
申请人： Bank of America Corporation
发明人： Matthew A. Calman , Alicia C. Jones , Elizabeth S. Votaw , Rajat Agrawal , Wanwen Han , Su Liu , Nir Rachmel , Lynn Streja , Carrie Anne Hanson , Cameron Jungeun Park-Hur , James Robert Grimsley
IPC分类号： H04N7/14
CPC分类号： H04N7/14 , H04M3/5183 , H04M3/567 , H04M2201/38 , H04N7/155 , H04N21/485
摘要： Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; recognize the user as a customer enrolled in a representative pre-selection program; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection and determined based at least in part on the user having previously conferenced with the at least one representative; and receive user input selecting one of the at least one representatives for conference connection.
摘要翻译：本发明的实施例涉及用于帮助用户选择金融机构的客户服务代表以准备客户服务会议的系统，方法和计算机程序产品。实施例确定在用户的用户设备和与金融机构相关联的系统之间正在建立操作连接，使得用户和金融机构的代表可以进行会议; 将用户识别为登记在代表性预选程序中的客户; 确定来自潜在代表池中的至少一个代表，所述至少一个代表被确定为向用户呈现用户选择，并且至少部分地基于用户先前已经与所述至少一个代表协商确定; 并且接收选择所述至少一个代表之一用于会议连接的用户输入。

65. 发明申请

US20140166743A1 SYSTEM FOR PROCESSING AND TRACKING MERCHANT DEPOSITS 有权
标题翻译：处理和跟踪商品存款的系统
公开(公告)号：US20140166743A1
公开(公告)日：2014-06-19
申请号：US13713493
申请日：2012-12-13
申请人： BANK OF AMERICA CORPORATION
发明人： Carrie Anne Hanson , Elizabeth S. Votaw
IPC分类号： G07F19/00
CPC分类号： G07F19/00 , G06K19/06037 , G06Q20/1085 , G06Q20/30 , G07F19/202
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for processing and tracking merchant deposits. An exemplary apparatus is configured to receive a deposit package that contains one or more deposit items which have been placed in the deposit package by a merchant. The deposit package may also contain and/or be coupled with visual indicia that has been created by the merchant. The visual indicia may specify information about the one or more deposit items placed in the deposit package. The apparatus may be further configured to read the visual indicia upon receiving the deposit package and track the deposit package based at least partially on the visual indicia.
摘要翻译：本发明的实施例涉及用于处理和跟踪商业存款的系统，方法和计算机程序产品。示例性装置被配置为接收包含由商家放置在存款包中的一个或多个存款项目的存款包。存款包还可以包含和/或与由商家创建的视觉标记相结合。视觉标记可以指定放置在存款包中的一个或多个存款项目的信息。该装置还可以被配置为在接收到存款包时读取视觉标记，并且至少部分地基于视觉标记跟踪存款包。

66. 发明申请

US20140108288A1 PROVIDING A RECORD OF AN INTERACTIVE CONFERENCE 有权
标题翻译：提供互动会议记录
公开(公告)号：US20140108288A1
公开(公告)日：2014-04-17
申请号：US13652120
申请日：2012-10-15
申请人： BANK OF AMERICA CORPORATION
发明人： Matthew A. Calman , Rajat Agrawal , Wanwen Han , Alicia C. Jones , Su Liu , Cameron Jungeun Park-Hur , Nir Rachmel , Lynn Streja , Elizabeth S. Votaw
IPC分类号： G06Q10/00
CPC分类号： G06Q40/02 , H04N7/155
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing a record of an interactive conference, such as a video conference. The systems, methods, and computer program products determine that an operative connection has been established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative are conducting a conference; identify a document referenced during the conference; capture at least a portion of the conference in a record; associate the document with the record; and store the record. Customers of financial institutions desire to have records of their interactions with representatives of the financial institution and the embodiments of this invention assist the customer in maintaining and organizing those records.
摘要翻译：本发明的实施例涉及用于提供诸如视频会议的交互式会议的记录的系统，方法和计算机程序产品。系统，方法和计算机程序产品确定在用户的用户设备和与金融机构的代表相关联的系统之间建立了操作连接，使得用户和代表正在进行会议; 识别会议期间引用的文件; 在记录中捕获会议的至少一部分; 将文件与记录相关联; 并存储记录。金融机构的客户希望记录与金融机构代表的互动记录，本发明的实施例有助于客户维护和组织这些记录。

67. 发明申请

US20140106721A1 ADAPTIVE SCAFFOLDING OF LEVELS OF CONNECTIVITY DURING A CONFERENCE 有权
标题翻译：在会议期间自适应连接水平的SCAFFOLDING
公开(公告)号：US20140106721A1
公开(公告)日：2014-04-17
申请号：US13651798
申请日：2012-10-15
申请人： BANK OF AMERICA CORPORATION
发明人： Matthew A. Calman , Alicia C. Jones , Elizabeth S. Votaw , Rajat Agrawal , Wanwen Han , Su Liu , Nir Rachmel , Lin Streja , Cameron Park-Hur
IPC分类号： H04W4/00
CPC分类号： H04M3/56 , H04L12/1818 , H04L12/1822 , H04M3/51
摘要： Systems, methods, and computer program products for adaptively scaffolding of levels of connectivity between one or more customer devices during customer service conference are provided. The system includes various applications and features executable on a computing and/or mobile computing device. The system includes a user interface configured to present tools and features that allows a customer, during a digital conference with a bank representative, to manipulate the channels of communication, levels of connectivity or other features of the digital conference. In some instances, a scaffolding application on the bank's server may be provided to dynamically adjust the levels of connectivity and/or channels of communication of an ongoing digital conference session between a customer and a bank representative based on prior conferences involving the customer and/or a bank representative. As such, the system allows for self-directed and/or computer-aided adjustment of levels of connectivity during a conference.
摘要翻译：提供了用于在客户服务会议期间自适应地搭建一个或多个客户设备之间的连接级别的系统，方法和计算机程序产品。该系统包括在计算和/或移动计算设备上可执行的各种应用和特征。该系统包括被配置为呈现工具和特征的用户界面，其允许客户在与银行代表的数字会议期间操纵通信信道，连接级别或数字会议的其他特征。在某些情况下，可以提供银行服务器上的脚手架应用程序，用于基于涉及客户和/或客户的先前会议来动态地调整客户和银行代表之间正在进行的数字会议会话的连接和/或沟通渠道的级别银行代表。因此，系统允许在会议期间进行自我导向和/或计算机辅助的连接级别的调整。

68. 发明申请

US20140104372A1 MULTIPLE-PARTICIPANT CUSTOMER SERVICE CONFERENCE 有权
标题翻译：多方参与者客户服务会议
公开(公告)号：US20140104372A1
公开(公告)日：2014-04-17
申请号：US13652326
申请日：2012-10-15
申请人： BANK OF AMERICA CORPORATION
发明人： Matthew A. Calman , Elizabeth S. Votaw , Alicia C. Jones , Su Liu , Lynn Streja , Nir Rachmel , Wanwen Han , Rajat Agrawal , Cameron Jungeun Park-Hur , James Robert Grimsley
IPC分类号： H04N7/15
CPC分类号： H04N7/15 , H04N7/155 , H04N21/4751
摘要： Embodiments of the invention are directed to systems, methods and computer program products for receiving input to initiate a video conference with a first participant from a user; initiating the video conference between the user and the first participant; receiving a request to add at least a second participant to the video conference from at least one of the user and the first participant, the request comprising credentials associated with the second participant; determining that the second participant is authorized to join the video conference based on the credentials; and connecting the second participant to the video conference.
摘要翻译：本发明的实施例涉及用于接收来自用户的与第一参与者发起视频会议的输入的系统，方法和计算机程序产品; 在用户和第一参与者之间发起视频会议; 从所述用户和所述第一参与者中的至少一个接收至少将第二参与者添加到所述视频会议的请求，所述请求包括与所述第二参与者相关联的凭证; 基于所述凭证确定所述第二参与者被授权加入所述视频会议; 并将第二参与者连接到视频会议。

69. 发明授权

US11044254B2 Document orchestration system for processing digital consent information 有权
公开(公告)号：US11044254B2
公开(公告)日：2021-06-22
申请号：US16733305
申请日：2020-01-03
申请人： Bank of America Corporation
发明人： Elizabeth S. Votaw , David J. Smiddy , FNU Sidharth , Stephen T. Shannon , James Alexander
IPC分类号： G06Q20/38 , G06F21/62 , G06F21/31 , G06Q50/18 , H04L29/06 , G06Q20/12 , G06Q40/02
摘要： Method and apparatus for allowing the changing of security values and consent data is provided. The security values allow for dynamically changing the security level and ease of access associated with performing specific transactions on specific accounts. The consent data may be pushed or pulled and when stored, may be used for future transactions, of both the same or a different type. The changing of security levels and consent data may be accomplished over the internet using mobile devices over both secure and non-secure networks.

70. 发明授权

US10747858B2 Dynamic digital consent 有权
公开(公告)号：US10747858B2
公开(公告)日：2020-08-18
申请号：US16571426
申请日：2019-09-16
申请人： Bank of America Corporation
发明人： Elizabeth S. Votaw , David J. Smiddy , F N U Sidharth , Stephen T. Shannon , James Alexander
IPC分类号： H04L9/30 , H04L29/06 , G06F21/31 , G06F21/62 , H04W12/06 , G06Q20/40 , G06Q20/32 , H04W12/08
摘要： Method and apparatus for a system to harden digital consents. The system uses an evaluation of geographic locations, transaction times, and device identities to control the upload of consent data. Evaluations occur using numerous techniques including MAC address evaluation, IP address evaluation, meta-data evaluation, and physical location of restricted equipment such as ATMs and kiosks. Reliability of consent data entered into the system may be enhanced by strictly evaluating geographic locations, transaction times, and/or device identities.

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