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1. 发明授权

US10972954B2 System for connection channel adaption using robotic automation 有权
公开(公告)号：US10972954B2
公开(公告)日：2021-04-06
申请号：US16776873
申请日：2020-01-30
申请人： BANK OF AMERICA CORPORATION
发明人： Gerard P. Gay , Donald Joseph Cardinal , Katherine Dintenfass , Jim McCormack , Konstantin Shushkovsky , Chris Stott , Cameron Darnell Wadley
IPC分类号： H04W36/02 , H04W36/18 , H04W36/30 , H04W36/36 , G05B19/418
摘要： A system for connection channel adaption using robotic automation is provided. The system comprising a first processing device configured to: establish a first communication channel with a user device associated with the user; receive, via the first communication channel, a first user input from the user on the user device for interacting with an entity platform; train a robotic process automation module based on the first user input, wherein the robotic process automation module is trained to execute the first user input on the entity platform via one or more communication channels; based on detecting the termination of the first communication channel, automatically establish the second communication channel with the user device; and execute the first user input on the entity platform, wherein the robotic process automation module simulates the first user input with a user interface by interacting directly with a presentation layer of the entity platform.

2. 发明授权

US10575231B2 System for connection channel adaption using robotic automation 有权
公开(公告)号：US10575231B2
公开(公告)日：2020-02-25
申请号：US15803198
申请日：2017-11-03
申请人： BANK OF AMERICA CORPORATION
发明人： Gerard P. Gay , Donald Joseph Cardinal , Katherine Dintenfass , Jim McCormack , Konstantin Shushkovsky , Chris Stott , Cameron Darnell Wadley
IPC分类号： H04W36/02 , H04W36/18 , H04W36/30 , H04W36/36 , G05B19/418
摘要： Embodiments of the present invention are directed to providing connection channel adaption using robotic automation. The invention leverages a robotic process automation module to generate an operation record based on previous user device input in order to automatically recover and continue a previous interaction with an entity platform conducted over a terminated connection channel. The system automatically establishes a new connection channel upon determining the initial channel termination while retaining previous user input interaction progression within the entity platform. Further, the module may be configured to transform the user input to be compatible with the new connection channel allowing for seamless continuation of the interaction to minimize downtime.

3. 发明授权

US10484490B2 Multicomputer processing of user data with centralized event control 有权
公开(公告)号：US10484490B2
公开(公告)日：2019-11-19
申请号：US15725553
申请日：2017-10-05
申请人： Bank of America Corporation
发明人： Minh N. Vuong , Cameron Darnell Wadley , Susan Varghese , Anna Hollifield , Mohamed A. Gahnoog , Katherine Dintenfass , William August Stahlhut
IPC分类号： H04L12/00 , H04L29/08 , G06Q50/00 , G06Q20/10 , G06N20/00
摘要： Aspects of the disclosure relate to multicomputer processing of data from social media service computing platforms and other sources with centralized event control. An event control computing platform may receive information from one or more social media service computing platforms. Subsequently, the event control computing platform may identify, based on the received information, whether a change should be made to user data associated with a user identifiable by the received information. If the information indicates that a change should be made to the user data, then the event control computing platform may extract metadata from the received information to verify the accuracy of the received information. When the metadata verifies the accuracy of the received information, the event control computing platform may generate a command configured to cause a change to the user data and then may transmit the generated command to an event validation computing platform.

4. 发明授权

US10127551B2 System for modeling and implementing event-responsive resource allocation structures 有权
公开(公告)号：US10127551B2
公开(公告)日：2018-11-13
申请号：US14851599
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Damon C. Missouri , Cameron Darnell Wadley , Alexander C. Wittkowski , Alicia C. Jones-McFadden , Angela Fritz Thompson
IPC分类号： G06Q40/00 , G06Q20/38 , G06Q20/40 , G06Q30/02
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for implementing a change in a parameter associated with an event-responsive resource allocation structure, such as a named beneficiary, and predicting that the current parameters of an event-responsive resource allocation structure a unlikely to be congruent with a user's desired configuration of the parameters of the event-responsive resource allocation structure.

5. 发明授权

US10019760B2 System for utilizing a retirement score to receive benefits 有权
公开(公告)号：US10019760B2
公开(公告)日：2018-07-10
申请号：US14664193
申请日：2015-03-20
申请人： BANK OF AMERICA CORPORATION
发明人： Katherine Dintenfass , Carrie Anne Hanson , Daralyn Marie Nicholson , Cameron Darnell Wadley
IPC分类号： G06Q40/00 , G06Q40/06
CPC分类号： G06Q40/06 , G06Q40/00
摘要： Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.

6. 发明申请

US20170153919A1 SYSTEM FOR ANALYZING RESOURCE CAPACITY BASED ON ASSOCIATED DEPENDENCIES 审中-公开
公开(公告)号：US20170153919A1
公开(公告)日：2017-06-01
申请号：US14954599
申请日：2015-11-30
申请人： BANK OF AMERICA CORPORATION
发明人： Alicia C. Jones-McFadden , Katherine Dintenfass , Alexander C. Wittkowski , Damon C. Missouri , Cameron Darnell Wadley
IPC分类号： G06F9/50 , G06F9/48
CPC分类号： G06Q10/0631 , G06Q40/00 , G06Q40/06 , G06Q40/08
摘要： Systems, computer program products, and methods are described herein for analyzing resource capacity based on associated dependencies. The present invention is configured to determine a resource capacity associated with an entity; determine one or more dependencies associated with the entity, wherein the one or more dependencies are associated with a resource value; receive a user input, wherein the user input comprises a dynamic allocation of the one or more dependencies to the entity; determine an aggregated resource value based on at least receiving the user input, wherein the aggregated resource value comprises an aggregate of the resource values associated with the one or more dependencies dynamically allocated to the entity; and initiate a presentation of a dynamic display, wherein the dynamic display comprises an indication of the resource capacity associated with the entity and an aggregated resource value associated with the one or more dependencies dynamically allocated to the entity.

7. 发明申请

US20170076364A1 SYSTEM FOR SIMULATION AND IMPLEMENTATION OF DYNAMIC STATE-DEPENDENT RESOURCE RECONFIGURATION 有权
标题翻译：动态依赖资源重组的模拟与实现系统
公开(公告)号：US20170076364A1
公开(公告)日：2017-03-16
申请号：US14851623
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Damon C. Missouri , Cameron Darnell Wadley , Alexander C. Wittkowski , Alicia C. Jones-McFadden , Angela Fritz Thompson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for implementing a dynamic state-dependent resource reconfiguration, such as the reconfiguration of resources and assets that may occur with a relationship between a first user and a second user is terminated. Example embodiments include incorporating into the resource reconfiguration aspects of prior user agreements and simulating the expected outcome of the dynamic state-dependent resource reconfiguration.
摘要翻译：本发明的实施例涉及用于实现动态状态相关资源重新配置的系统，方法和计算机程序产品，例如重新配置可能由第一用户和第二用户之间的关系发生的资源和资产。示例性实施例包括将先前用户协议的资源重新配置方面并入并且模拟动态依赖于状态的资源重配置的预期结果。

8. 发明申请

US20160275609A1 SYSTEM FOR RETIREMENT SCORE TRANSFORMATION USING OPTIMIZATION 审中-公开
标题翻译：使用优化的退休分数转换系统
公开(公告)号：US20160275609A1
公开(公告)日：2016-09-22
申请号：US14664210
申请日：2015-03-20
申请人： BANK OF AMERICA CORPORATION
发明人： Katherine Dintenfass , Carrie Anne Hanson , Daralyn Marie Nicholson , Cameron Darnell Wadley
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： Embodiments of the invention are directed to systems, methods, and computer program products optimizing a generated retirement score. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date. The invention continues by retrieving historic retirement scores for the user. Based on the scores, user spend data, user location, and financial products associated with the user, the invention identifies improvements to a user retirement score. The user may be automatically shifted into products that may improve the retirement score. Furthermore, the invention may augment historical retirement score data to present illustrations of the effect of recommendations on current and/or future retirement scores if the recommendations are implemented.
摘要翻译：本发明的实施例涉及优化生成的退休分数的系统，方法和计算机程序产品。以这种方式，本发明计算用户的退休分数，指示用户在未来预定日期的退休准备。本发明继续通过检索用户的历史退休分数。基于与用户相关联的分数，用户花费数据，用户位置和金融产品，本发明识别对用户退休分数的改进。用户可以自动转移到可以提高退休分数的产品中。此外，如果实施建议，本发明可以增加历史退休分数数据，以示出建议对当前和/或未来退休分数的影响的图示。

9. 发明申请

US20190164227A1 SYSTEM FOR SHARING RETIREMENT SCORES BETWEEN SOCIAL GROUPS OF CUSTOMERS 审中-公开
公开(公告)号：US20190164227A1
公开(公告)日：2019-05-30
申请号：US16265603
申请日：2019-02-01
申请人： Bank of America Corporation
发明人： Daralyn Marie Nicholson , Carrie Anne Hanson , Cameron Darnell Wadley , Katherine Dintenfass
IPC分类号： G06Q40/06 , G06Q50/00
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.

10. 发明申请

US20190114575A1 MULTICOMPUTER PROCESSING OF USER DATA WITH CENTRALIZED EVENT CONTROL 审中-公开
公开(公告)号：US20190114575A1
公开(公告)日：2019-04-18
申请号：US15783767
申请日：2017-10-13
申请人： Bank of America Corporation
发明人： Mohamed A. Gahnoog , Cameron Darnell Wadley , Minh N. Vuong , Susan Varghese , Katherine Dintenfass , William August Stahlhut
IPC分类号： G06Q10/06 , G06N99/00
摘要： Aspects of the disclosure relate to systems and methods for supervision of objectives and verification of completion of tasks associated with objectives. A computing platform may determine an objective and a series of tasks associated with that objective. Completion of the series of tasks may contribute to that objective by effecting a change to user data. The system may verify that a task has been completed by receiving task completion progress information, and effect a change to user data to reflect the task completion. The tasks associated with objectives may be determined or altered by a machine learning engine of the first computing platform.

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