公开(公告)号：NZ584868A

公开(公告)日：2012-03-30

申请号：NZ58486810

申请日：2010-04-23

Applicant: BANK OF AMERICA

Inventor： GHOSH DEBASHIS ,  NEWMAN KURT D ,  JOA DAVID ,  BANERJEE SUDESHNA ,  ALLISON THAYER ,  SHAO YANGHONG ,  KREIN MARK V

IPC: G06Q40/02

Abstract: A method and an apparatus for managing financial institution accounts for managing financial institution accounts are disclosed. The apparatus (102) comprises a computer platform (104) including at least one processor (106) and a memory (108); a customer profile database (122) stored in the memory; an account linking module (112) stored in the memory, an account rules module (114) stored in the memory and an account management module (118) stored in the memory. The account linking module is executable by the at least one processor, and operable to receive one or more financial institution account linking requests and provide for one or more financial institution links. Each link provides for linking two or more financial institution accounts associated with a customer and one or more of the link requests provide for linking financial institution accounts associated with more than one financial institution. The account rules module is executable by the at least one processor, and operable to receive one or more customer-defined account rules associated with two or more of the linked financial institution accounts and store the rules in a customer profile associated with the customer. At least one of the customer defined account rules is operable to maximize the customer's rate of return associated with the two or more of the linked financial institution accounts by establishing a maximum balance limit. The account management module is executable by the at least one processor, and operable to manage funds in the plurality of financial institution customer accounts based on the account rules and including, account balance need logic operable to automatically and dynamically establish the maximum account balance based on logically determining, from historical account activity, one or more recurring debits and an amount and payment time associated with each recurring debit.

公开(公告)号：NZ584867A

公开(公告)日：2011-11-25

申请号：NZ58486710

申请日：2010-04-23

Applicant: BANK OF AMERICA

Inventor： GHOSH DEBASHIS ,  NEWMAN KURT D ,  JOA DAVID ,  BANERJEE SUDESHNA ,  ALLISON THAYER ,  SHAO YANGHONG ,  KREIN MARK V

IPC: G06Q40/00

Abstract: A method and an apparatus for managing financial institution accounts are disclosed. The apparatus comprises a computer platform (104) including at least one processor and a memory (108); a customer profile database (118) including a plurality of customer profiles (116) stored in the memory and an account linking module (110) stored in the memory, executable by the at least one processor, and operable to receive one or more financial institution account linking requests and provide for one or more financial institution links. Each link provides for linking two or more financial institution accounts associated with a customer. The apparatus further comprises an automated account management module (112) stored in the memory, executable by the at least one processor, and operable to receive customer authorization for automated account management of two or more of the linked financial institution accounts, store the customer authorization in a customer profile, and transfer funds, automatically, from and to the customer authorized linked financial institution accounts to maximize the customer's rate of return in the two or more linked financial institution accounts.

公开(公告)号：GB2471317A

公开(公告)日：2010-12-29

申请号：GB0911028

申请日：2009-06-25

Applicant: BANK OF AMERICA

Inventor： PORTS PRESTON W ,  GHOSH DEBASHIS ,  LIU WELCHENG ,  SUDJIANTO AGUS ,  CHEN JIE ,  ALLISON THAYER ,  JOFFE DAVID ,  AMIN MACK ,  PAWAR SAMIR ,  QUINN MATT

IPC: G06Q40/00

Abstract: A method for providing decision support systems using customer clustering comprises obtaining customer transaction data (e.g. internal-external customer transaction data, credit card information, customer funds ( income)), and categorising it. The categorised customer transaction data is analysed to identify patterns among the data. The identified patterns are used to isolate a selected number of behavioural factors. The customers are grouped into population segments based on the behavioural factors. Any non-linear transaction data may be analysed using a Hidden Markov method. The behavioural segments may be visually presented in a graph (Fig. 3). The decision support system may be used to provide more directed and accurate offers to customers thus improving the customer experience.

公开(公告)号：WO2009026280A3

公开(公告)日：2010-01-07

申请号：PCT/US2008073579

申请日：2008-08-19

Applicant: BANK OF AMERICA ,  GHOSH DEBASHIS ,  BANERJEE SUDESHNA ,  NEWMAN KURT ,  ALLISON THAYER ,  BENDEL TIMOTHY

Inventor： GHOSH DEBASHIS ,  BANERJEE SUDESHNA ,  NEWMAN KURT ,  ALLISON THAYER ,  BENDEL TIMOTHY

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q40/025

Abstract: A customer-oriented loan or credit product that allows separate multiple assets to be used as collateral in a single lending product such as a loan (for example, a home equity loan) or a line of credit (for example, a home equity line of credit).

Abstract translation: 以客户为导向的贷款或信贷产品，允许单独的多种资产用作单一贷款产品中的抵押品，例如贷款（例如，房屋贷款）或信贷额度（例如， 信用）。