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1. 发明申请

US20160014600A1 Identification of Potential Improper Transaction 审中-公开
标题翻译：识别潜在的不当事务
公开(公告)号：US20160014600A1
公开(公告)日：2016-01-14
申请号：US14327934
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Don Cardinal , Pete Bertanzetti
IPC分类号： H04W12/06 , H04W4/04 , G06F21/31 , G06Q30/02
CPC分类号： H04W4/023 , G06F21/31 , G06F21/88 , G06F2221/2111 , G06Q30/0282 , H04L63/107 , H04W4/029 , H04W12/08 , Y02D70/144
摘要： Systems and methods for using proximity positioning systems to determine multiple locations a user, identify the user and provide additional services and/or functionality based on the determined locations are presented. In some examples, a low-power radio signal emitted from a locating beacon may be detected by a personal computing device. The location of the beacon, and the device detecting the signal, may be determined. A low-power radio signal emitted from a second beacon may be detected and the location of the second beacon, and personal computing device detecting the signal, may be determined. If the signal from the first beacon was detected within a predetermined time threshold of detecting the second beacon, a flag may be triggered. Notifications may be transmitted to the user and/or the entity associated with the locating beacons to indicate the user may be in need of assistance and/or to reduce the risk of unauthorized activity.
摘要翻译：提出了使用接近定位系统来确定用户，基于确定的位置识别用户并提供附加服务和/或功能的多个位置的系统和方法。在一些示例中，从定位信标发射的低功率无线电信号可以由个人计算设备检测。可以确定信标的位置和检测信号的设备。可以检测从第二信标发射的低功率无线电信号，并且可以确定检测信号的第二信标和个人计算设备的位置。如果在检测到第二信标的预定时间阈值内检测到来自第一信标的信号，则可以触发标志。通知可以被发送到用户和/或与定位信标相关联的实体，以指示用户可能需要帮助和/或降低未授权活动的风险。

2. 发明申请

US20160012495A1 SOLICITING CUSTOMER FEEDBACK BASED ON INDOOR POSITIONING SYSTEM DETECTION OF PHYSICAL CUSTOMER PRESENCE 审中-公开
标题翻译：基于室内定位系统的客户反馈信息检测物理客户存在
公开(公告)号：US20160012495A1
公开(公告)日：2016-01-14
申请号：US14327560
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Don Cardinal , David M. Grigg
IPC分类号： G06Q30/02 , H04W4/04
CPC分类号： G06Q30/0281 , H04W4/021 , H04W4/029
摘要： A computing platform may receive a plurality of messages comprising data indicating physical presence of customers at a physical location from an indoor positioning system located at the physical location. The computing platform may determine that one or more customers of the customers at the physical location have left the physical location based on at least a portion of the data indicating the physical presence of the customers at the physical location. Responsive to determining that the one or more customers of the customers at the physical location have left the physical location, the computing platform may generate one or more messages soliciting feedback from the one or more customers regarding their experience at the physical location.
摘要翻译：计算平台可以从位于物理位置处的室内定位系统接收包括指示在物理位置处的客户的物理存在的数据的多个消息。计算平台可以基于指示物理位置处的客户的物理存在的至少一部分数据来确定物理位置处的客户的一个或多个客户已经离开物理位置。响应于确定物理位置处的客户的一个或多个客户已经离开物理位置，计算平台可以生成一个或多个消息，从一个或多个客户请求关于其在物理位置的经验的反馈。

3. 发明申请

US20160012484A1 Providing Targeted Advertising Using Local Positioning Technology 审中-公开
标题翻译：使用本地定位技术提供目标广告
公开(公告)号：US20160012484A1
公开(公告)日：2016-01-14
申请号：US14327767
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Sharon Scanlon , Don Cardinal , David M. Grigg
IPC分类号： G06Q30/02 , H04W4/04
CPC分类号： G06Q30/0261 , H04W4/029
摘要： Methods and systems for providing targeted advertising using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may select, based on the identity of the customer and the location of the customer, advertising content to be presented to the customer using the customer computing device. Then, the computing platform may send the selected advertising content to one or more recipient computing devices.
摘要翻译：提出了使用本地定位技术提供有针对性的广告的方法和系统。在一些实施例中，客户辅助计算平台可以接收与由客户计算设备接收的信标信号和与客户计算设备相关联的标识符相关联的一个或多个属性。随后，计算平台可以使用客户计算设备来确定客户的身份。计算平台然后可以基于与信标信号相关联的一个或多个属性来确定使用客户计算设备的客户的位置。此后，计算平台可以基于客户的身份和客户的位置来选择使用客户计算设备呈现给客户的广告内容。然后，计算平台可以将所选择的广告内容发送到一个或多个接收者计算设备。

4. 发明申请

US20180041575A1 Controlling Device Data Collectors Using Omni-Collection Techniques 审中-公开
公开(公告)号：US20180041575A1
公开(公告)日：2018-02-08
申请号：US15229341
申请日：2016-08-05
申请人： Bank of America Corporation
发明人： Scott A. Sims , Craig Widmann , Don Cardinal , Elizabeth S. Votaw
IPC分类号： H04L29/08 , H04W12/06 , H04L29/06
CPC分类号： H04L67/1095 , H04L63/0236 , H04L67/10 , H04L67/42 , H04W4/38 , H04W12/06 , H04W12/12
摘要： Aspects of the disclosure relate to controlling device data collectors using omni-collection techniques. A computing platform may receive configuration settings associated with a first collector and a second collector. Subsequently, the computing platform may generate one or more configuration commands for a native collector based on the configuration settings. The computing platform may send, to a client interface computing platform associated with the native collector, the one or more configuration commands generated for the native collector. Thereafter, the computing platform may receive state information collected by the native collector based on the one or more configuration commands generated for the native collector. Then, the computing platform may send the state information to an authentication hub computing platform, and sending the state information may cause the authentication hub computing platform to share at least a portion of the state information with one or more collector support servers for processing.

5. 发明授权

US09699599B2 Tracking associate locations 有权
公开(公告)号：US09699599B2
公开(公告)日：2017-07-04
申请号：US14328079
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Don Cardinal , David M. Grigg
IPC分类号： H04W4/02 , H04W64/00 , G07F19/00 , G06K9/00 , G06Q10/08
CPC分类号： H04W4/02 , G06K9/00919 , G06Q10/087 , G07F19/207 , H04W64/00
摘要： Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, associate users may be identified and a location of each associate user may be tracked to identify a location of an associate user, confirm the location of the associate user is an expected location, and/or provide location information to a customer of the associate user.

6. 发明授权

US09432804B2 Processing of pre-staged transactions 有权
标题翻译：处理前期交易
公开(公告)号：US09432804B2
公开(公告)日：2016-08-30
申请号：US14327847
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Don Cardinal , Sharon Scanlon , Davindar Gill , Alicia C. Jones , Russell Lewis
IPC分类号： G06Q40/00 , H04W4/02 , G06Q20/32 , G06Q20/40 , G06Q20/10
CPC分类号： H04W4/02 , G06Q20/108 , G06Q20/3224 , G06Q20/40 , G06Q20/405
摘要： 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.
摘要翻译：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。

7. 发明申请

US20160014553A1 Tracking Associate Locations 有权
标题翻译：跟踪助理位置
公开(公告)号：US20160014553A1
公开(公告)日：2016-01-14
申请号：US14328079
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Don Cardinal , David M. Grigg
IPC分类号： H04W4/02 , H04W64/00
CPC分类号： H04W4/02 , G06K9/00919 , G06Q10/087 , G07F19/207 , H04W64/00
摘要： Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, associate users may be identified and a location of each associate user may be tracked to identify a location of an associate user, confirm the location of the associate user is an expected location, and/or provide location information to a customer of the associate user.
摘要翻译：提供了被配置为基于所确定的位置和/或身份来确定用户的位置，识别用户和提供附加服务的系统，方法，设备和计算机可读介质。在一些示例中，可以识别关联用户，并且可以跟踪每个关联用户的位置以识别关联用户的位置，确认关联用户的位置是预期位置，和/或向客户提供位置信息副用户。

8. 发明申请

US20160012375A1 Managing Customer Queues Using Local Positioning Technology 审中-公开
标题翻译：使用本地定位技术管理客户队列
公开(公告)号：US20160012375A1
公开(公告)日：2016-01-14
申请号：US14327688
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Don Cardinal , Sharon Scanlon , Davindar Gill
IPC分类号： G06Q10/06
CPC分类号： G06Q10/063114 , G06Q40/02
摘要： Methods and systems for managing customer queues using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may select at least one queue from one or more maintained queues based on the location of the customer. Then, the computing platform may update the at least one selected queue based on the identity of the customer to add the customer using the customer computing device to the at least one selected queue.
摘要翻译：介绍了使用本地定位技术管理客户队列的方法和系统。在一些实施例中，客户辅助计算平台可以接收与由客户计算设备接收的信标信号和与客户计算设备相关联的标识符相关联的一个或多个属性。随后，计算平台可以使用客户计算设备来确定客户的身份。计算平台然后可以基于与信标信号相关联的一个或多个属性来确定使用客户计算设备的客户的位置。此后，计算平台可以基于客户的位置从一个或多个维护的队列中选择至少一个队列。然后，计算平台可以基于客户的身份来更新所选择的至少一个队列，以将客户使用客户计算设备添加到至少一个选定的队列。

9. 发明授权

US10298682B2 Controlling device data collectors using omni-collection techniques 有权
公开(公告)号：US10298682B2
公开(公告)日：2019-05-21
申请号：US15229341
申请日：2016-08-05
申请人： Bank of America Corporation
发明人： Scott A. Sims , Craig Widmann , Don Cardinal , Elizabeth S. Votaw
IPC分类号： G06F15/173 , H04L29/08 , H04L29/06 , H04W12/06 , H04W12/12 , H04W4/38
摘要： Aspects of the disclosure relate to controlling device data collectors using omni-collection techniques. A computing platform may receive configuration settings associated with a first collector and a second collector. Subsequently, the computing platform may generate one or more configuration commands for a native collector based on the configuration settings. The computing platform may send, to a client interface computing platform associated with the native collector, the one or more configuration commands generated for the native collector. Thereafter, the computing platform may receive state information collected by the native collector based on the one or more configuration commands generated for the native collector. Then, the computing platform may send the state information to an authentication hub computing platform, and sending the state information may cause the authentication hub computing platform to share at least a portion of the state information with one or more collector support servers for processing.

10. 发明申请

US20160014552A1 Processing of Pre-Staged Transactions 有权
标题翻译：前期交易处理
公开(公告)号：US20160014552A1
公开(公告)日：2016-01-14
申请号：US14327847
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Don Cardinal , Sharon Scanlon , Davindar Gill , Alicia C. Jones , Russell Lewis
IPC分类号： H04W4/02 , G06Q20/32
CPC分类号： H04W4/02 , G06Q20/108 , G06Q20/3224 , G06Q20/40 , G06Q20/405
摘要： 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.
摘要翻译：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。

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