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1. 发明申请

US20150032619A1 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 审中-公开
标题翻译：用于收集数据和执行电子交易服务的通信网络
公开(公告)号：US20150032619A1
公开(公告)日：2015-01-29
申请号：US13949458
申请日：2013-07-24
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Gregory G. Farr , Richard H. Thomas , Shilpoo Agrawal , Matthew J. Stowell , Bonnie L. Dolan
IPC分类号： G06Q20/42
CPC分类号： G06Q20/227
摘要： In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts held with a plurality of enterprises, wherein the plurality of accounts are associated with an entity and one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access, account data from the plurality of accounts, monitor transactions in the plurality of accounts, determine one or more transaction patterns, determine one or more proposed transactions, wherein the one or more proposed transactions represent electronic transfers of funds involving one or more of the plurality of accounts, and determine one or more advantages to the entity associated with the one or more proposed transactions.
摘要翻译：在某些实施例中，用于执行电子交易服务的系统包括一个或多个可操作以接收与多个企业持有的多个帐户的访问凭证的接口，其中所述多个账户与实体相关联，以及一个或多个处理器通信耦合到所述一个或多个接口中的至少一个，所述一个或多个处理器可操作以访问来自所述多个帐户的账户数据，监视所述多个账户中的交易，确定一个或多个交易模式，确定一个或多个所提议的交易，其中所述一个或多个所提议的交易代表涉及所述多个账户中的一个或多个的资金的电子转账，并且确定与所述一个或多个所提出的交易相关联的所述实体的一个或多个优点。

2. 发明申请

US20150032601A1 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 审中-公开
标题翻译：用于收集数据和执行电子交易服务的通信网络
公开(公告)号：US20150032601A1
公开(公告)日：2015-01-29
申请号：US13949798
申请日：2013-07-24
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Gregory G. Farr , Richard H. Thomas , Shilpoo Agrawal , Matthew J. Stowell , Bonnie L. Dolan , Ganesan Muthukrishnan
IPC分类号： G06Q20/22
CPC分类号： G06Q20/227
摘要： In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts associated with an entity, one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access account data from the plurality of accounts, the one or more interfaces further operable to receive a service request from a user to execute a fund transfer involving a first of the plurality of accounts associated with the entity, the one or more processors further operable to determine one or more second of the plurality of accounts associated with the entity, and filter the one or more second of the plurality of accounts based on fund transfer limitations associated with the one or more second accounts to determine one or more proposed accounts.
摘要翻译：在某些实施例中，用于执行电子交易服务的系统包括一个或多个接口，可操作以接收与实体相关联的多个帐户的访问凭证，一个或多个处理器通信地耦合到所述一个或多个接口中的至少一个，或多个处理器，其可操作以访问来自所述多个帐户的帐户数据，所述一个或多个接口还可操作以从用户接收服务请求，以执行涉及与所述实体相关联的所述多个账户中的第一个账户的资金转移，所述一个或多个更多的处理器进一步可操作以确定与实体相关联的多个帐户中的一个或多个第二帐户，并且基于与一个或多个第二帐户相关联的资金转移限制来过滤该多个帐户中的一个或多个第二帐户，以确定一个或多个建议账户。

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