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81. 发明申请

US20170359229A1 SYSTEM FOR PREDICTIVE USE OF RESOURCES 审中-公开
公开(公告)号：US20170359229A1
公开(公告)日：2017-12-14
申请号：US15176262
申请日：2016-06-08
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Alicia C. Jones-McFadden , Matthew Hsieh , Victoria L. Dravneek , Cameron D. Wadley , Jason Christian Karmelek , Andrew Saar , Amber J. Quitadamo
IPC分类号： H04L12/24 , G06F3/0484 , H04L12/911
摘要： Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.

82. 发明申请

US20170280315A1 SYSTEM FOR ADAPTATION OF MULTIPLE DIGITAL SIGNATURES IN A DISTRIBUTED NETWORK 审中-公开
公开(公告)号：US20170280315A1
公开(公告)日：2017-09-28
申请号：US15082645
申请日：2016-03-28
申请人： BANK OF AMERICA CORPORATION
发明人： Victoria L. Dravneek , Manu Jacob Kurian , Alicia C. Jones-McFadden , Matthew Hsieh
IPC分类号： H04W8/16 , H04W12/02
CPC分类号： H04W8/16 , H04L47/10 , H04L67/12 , H04W4/70 , H04W12/02 , H04W12/06
摘要： The present invention provides for managing communication of data from Internet-connected devices, such as those devices within an IoT environment. Specifically, the invention provides automated determination of which devices are communicating to which third-party entities and, in some embodiments, the type of data being communicated to such third-party entities. Once such information is known, the third-party entity can be automatically placed into a designated third-party category, which defines the type of data that the third-party entity is authorized to receive. In addition, a user can manage the communications from such devices by selecting to prohibit (i.e., block) or limit, based on data type, which data is communicated to which third-party entities. Additionally, the identity of the third-party entities can be authenticated/verified, such that if the third-party entity cannot be verified, communication of data to that entity is blocked or limited.

83. 发明申请

US20170278133A1 SYSTEM FOR MACHINE-INITIATED RESOURCE GENERATION AND CUSTOMIZATION 审中-公开
公开(公告)号：US20170278133A1
公开(公告)日：2017-09-28
申请号：US15082603
申请日：2016-03-28
申请人： Bank of America Corporation
发明人： Stephen A. Corrado , Evan Sachs , Victoria L. Dravneek , Joseph Benjamin Castinado , Manu Jacob Kurian , Sasidhar Purushothaman , Toni J. Moore
IPC分类号： G06Q30/02 , H04L12/24 , H04L29/08
CPC分类号： G06Q30/0255 , H04L12/4625 , H04L67/12 , H04L67/20
摘要： A system for automatically filtering and aggregating plural smart device usage and diagnostic data includes a smart device, a resource management device, and a third party system, each having communication interfaces, memory devices, and processing devices. In the resource management device, one or more sets of smart device data, such as usage profiles and/or diagnostic information, is filtered to create an extracted data set, which can be communicated to a third party system to initiate communication between a device custodian, the third party system, host entity systems associated with one or more smart device, and other system participants associated with a particular smart device or multiple smart devices.

84. 发明授权

US09449328B2 System for encoding customer data 有权
标题翻译：用于编码客户数据的系统
公开(公告)号：US09449328B2
公开(公告)日：2016-09-20
申请号：US14951289
申请日：2015-11-24
申请人： Bank of America Corporation
发明人： Victoria L. Dravneek , Richard H. Thomas , Julie Mann Keppner
IPC分类号： G06K15/00 , G06Q30/02 , G06F21/62 , G06Q30/00
CPC分类号： G06Q30/0201 , G06F21/6263 , G06Q30/01 , G06Q2250/00
摘要： A system for transforming customer data includes a network interface and a processor. The network interface communicates a request for customer data associated with a particular geographical area. It also receives a customer profile code associated with the customer data, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor transforms the first and second code segments into customer data using the rules. It further analyzes the particular geographical area using the customer data.
摘要翻译：用于转换客户数据的系统包括网络接口和处理器。网络接口传达与特定地理区域相关联的客户数据的请求。它还接收与客户数据相关联的客户简档代码，其中客户简档代码包括第一代码段和第二代码段。它还接收与客户简档代码相关联的第一和第二规则。处理器使用规则将第一和第二代码段转换为客户数据。它使用客户数据进一步分析特定的地理区域。

85. 发明授权

US09443251B2 System for encoding customer data 有权
标题翻译：用于编码客户数据的系统
公开(公告)号：US09443251B2
公开(公告)日：2016-09-13
申请号：US14951250
申请日：2015-11-24
申请人： Bank of America Corporation
发明人： Victoria L. Dravneek , Richard H. Thomas , Julie Mann Keppner
IPC分类号： G06K15/00 , G06Q30/02 , H04L29/06 , G06F21/62 , G06Q30/00
CPC分类号： G06Q30/0201 , G06F21/6263 , G06Q30/01 , G06Q2250/00 , H04L63/08
摘要： A system for authenticating a customer includes a network interface and a processor. The network interface communicates a request for customer data associated with a particular customer. It also receives a customer profile code associated with the customer, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor transforms the first and second code segments into customer data using the rules. It further authenticates the customer using the customer data.
摘要翻译：用于认证客户的系统包括网络接口和处理器。网络接口传达与特定客户相关联的客户数据的请求。它还接收与客户相关联的客户简档代码，其中客户简档代码包括第一代码段和第二代码段。它还接收与客户简档代码相关联的第一和第二规则。处理器使用规则将第一和第二代码段转换为客户数据。它还使用客户数据进一步验证客户。

86. 发明授权

US09443103B2 System for encoding customer data 有权
标题翻译：用于编码客户数据的系统
公开(公告)号：US09443103B2
公开(公告)日：2016-09-13
申请号：US14951102
申请日：2015-11-24
申请人： Bank of America Corporation
发明人： Victoria L. Dravneek , Richard H. Thomas , Julie Mann Keppner
IPC分类号： G06K15/00 , G06F21/62 , G06Q10/10
CPC分类号： G06F21/6245 , G06F2221/2115 , G06Q10/10 , H04L63/107
摘要： A system for transforming customer data includes a network interface and a processor. The network interface communicates a request for customer data associated with a determined set of customers. It also receives a customer profile code associated with the customer data, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor determines the set of customers, transforms the first and second code segments into customer data using the rules, and analyzes the customer data to determine an operations history for the set of customers.
摘要翻译：用于转换客户数据的系统包括网络接口和处理器。网络接口传达与确定的一组客户相关联的客户数据的请求。它还接收与客户数据相关联的客户简档代码，其中客户简档代码包括第一代码段和第二代码段。它还接收与客户简档代码相关联的第一和第二规则。处理器确定一组客户，使用规则将第一和第二代码段转换为客户数据，并分析客户数据以确定该组客户的操作历史。

87. 发明申请

US20160110729A1 SYSTEM FOR ENCODING CUSTOMER DATA 有权
标题翻译：用于编码客户数据的系统
公开(公告)号：US20160110729A1
公开(公告)日：2016-04-21
申请号：US14849626
申请日：2015-09-10
申请人： Bank of America Corporation
发明人： Victoria L. Dravneek
IPC分类号： G06Q30/02 , H04L29/06
CPC分类号： G06Q30/0201 , G06Q20/3821 , G06Q20/405 , G06Q30/01 , G06Q2250/00 , H04L63/20
摘要： A rules engine stores customer data, a first rule comprising a first plurality of conditions, and a second rule comprising a second plurality of conditions, wherein the customer data is associated with a particular customer. The rules engine transforms a first portion of the customer data into a first code segment by applying the first rule and by satisfying a condition of the first plurality of conditions of the first rule. It also transforms a second portion of the customer data into a second code segment by applying the second rule and by satisfying a condition of the second plurality of conditions of the second rule. The rules engine further combines at least the first code segment and the second code segment to form a customer profile code. An interface engine communicatively coupled to the rules engine communicates the customer profile code to a third party.
摘要翻译：规则引擎存储客户数据，包括第一多个条件的第一规则和包括第二多个条件的第二规则，其中客户数据与特定客户相关联。规则引擎通过应用第一规则并满足第一规则的第一多个条件的条件将客户数据的第一部分转换成第一代码段。它还通过应用第二规则并满足第二规则的第二多个条件的条件，将客户数据的第二部分转换成第二代码段。规则引擎进一步组合至少第一代码段和第二代码段以形成客户简档代码。通信地耦合到规则引擎的接口引擎将客户简档代码传达给第三方。

88. 发明授权

US09159069B1 System for encoding customer data 有权
标题翻译：用于编码客户数据的系统
公开(公告)号：US09159069B1
公开(公告)日：2015-10-13
申请号：US14518076
申请日：2014-10-20
申请人： Bank of America Corporation
发明人： Victoria L. Dravneek
IPC分类号： G06K15/00 , G06Q30/00
CPC分类号： G06Q30/0201 , G06Q20/3821 , G06Q20/405 , G06Q30/01 , G06Q2250/00 , H04L63/20
摘要： A rules engine stores a first rule, a second rule, and customer data. The rules engine transforms a portion of the customer data into a first code segment by applying the first rule and transforms a portion of the customer data into a second code segment by applying the second rule. In addition, the rules engine combines at least the first code segment and the second code segment to form a customer profile code. The generated customer profile code is associated with a customer identifier. A decision engine communicatively coupled to the rules engine matches the customer identifier of the customer profile code to third party data associated with a request for customer information. An interface engine communicatively coupled to the decision engine communicates the customer profile code to a third party if the customer identifier of the customer profile code matches the third party data.
摘要翻译：规则引擎存储第一规则，第二规则和客户数据。规则引擎通过应用第一规则将客户数据的一部分转换成第一代码段，并通过应用第二规则将客户数据的一部分转换成第二代码段。此外，规则引擎至少组合第一代码段和第二代码段以形成客户简档代码。生成的客户简档代码与客户标识符相关联。通信地耦合到规则引擎的决策引擎将客户简档代码的客户标识符与与客户信息请求相关联的第三方数据匹配。如果客户简档代码的客户标识符与第三方数据匹配，则通信地耦合到决策引擎的接口引擎将客户简档代码传达给第三方。

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