公开(公告)号：NZ589352A

公开(公告)日：2011-11-25

申请号：NZ58935209

申请日：2009-12-08

Applicant: BANK OF AMERICA

Inventor： NEWMAN KURT D ,  GHOSH DEBASHIS ,  O'HAGAN MICHAEL JAMES ,  JOA DAVID ,  BENDEL TIMOTHY J

IPC: G07C9/00 ,  G06K7/00 ,  G06K9/00 ,  G08B13/22 ,  G08B13/24

Abstract: A method and apparatus for authorizing access to restricted network resources are disclosed. The apparatus comprises a processor; a memory having stored therein computer executable instructions, that when executed by the processor, cause the apparatus to perform the method of authorizing access to restricted network resources comprising identifying a specific individual seeking access to a restricted area; determining whether the identified specific individual is authorized to access the restricted area; if authorized, permitting entry of the identified specific individual into the restricted area; if authorized, allowing access to restricted network resources associated with the restricted area; determining a first time period of a plurality of time periods to disable a first alarm system of the restricted area based on at least one characteristic associated with the identified specific individual; disabling the first alarm system of the restricted area for the first time period; determining a second time period of a plurality of time periods to disable a second alarm system of the restricted network resources associated with the restricted area; and disabling the second alarm system of the restricted network resources for the second time period.

公开(公告)号：HK1145910A1

公开(公告)日：2011-05-06

申请号：HK11100068

申请日：2011-01-05

Applicant: BANK OF AMERICA

Inventor： NEWMAN KURT D ,  GHOSH DEBASHIS ,  O'HAGAN MICHAEL JAMES ,  JOA DAVID ,  BENDEL TIMOTHY J

IPC: H04L20060101 ,  H04N20060101

公开(公告)号：HK1145561A1

公开(公告)日：2011-04-21

申请号：HK10111940

申请日：2010-12-21

Applicant: BANK OF AMERICA

Inventor： NEWMAN KURT D ,  GHOSH DEBASHIS ,  O'HAGAN MICHAEL JAMES ,  DAVID JOA ,  BENDEL TIMOTHY J

IPC: G07C20060101 ,  G08B20060101

Abstract: Systems and methods for integrating facility access with other security systems are described. An individual seeking access authorization to a facility may be identified with a biometric parameter such as an iris scan. If authorized, the system may allow entry by disabling the alarm system, and a time period for access may be determined based on one or more characteristics associated with the individual. These characteristics may include the functional role of the individual at the facility and/or the location of the facility itself. Moreover, this facility access authorization system may be integrated with a network access authorization system associated with the facility so that when an individual gains access to the facility for a specific time period, the system is also able to determine how long the individual may access its network resources.

公开(公告)号：GB2474353A

公开(公告)日：2011-04-13

申请号：GB201016901

申请日：2010-10-06

Applicant: BANK OF AMERICA

Inventor： GHOSH DEBASHIS ,  BANERJEE SUDESHNA ,  MADAAN SHIBA

IPC: G06Q20/00

Abstract: A transaction data analyzer associated with a financial entity discovers patterns and/or sequences in consumer transaction data. The analyzer may provide businesses with feedback on spatiotemporal patterns in consumer spending habits. In certain embodiments, the transaction analyzer discovers the frequency of a sequence of purchases made at a first merchant immediately followed by purchases made at a second merchant. In another embodiment, the transaction analyzer discovers trends in consumer purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to risk mitigation, merchant/consumer prospecting, and targeted promotions.

公开(公告)号：NZ597180A

公开(公告)日：2012-10-26

申请号：NZ59718010

申请日：2010-10-05

Applicant: BANK OF AMERICA

Inventor： GHOSH DEBASHIS ,  BANERJEE SUDESHNA ,  MADAAN SHIBA ,  GUMMULURI SREEDEVI ,  JOA DAVID

IPC: G06Q30/00 ,  G06Q20/00 ,  G06Q20/40 ,  G06Q30/06 ,  G07F7/08

Abstract: A transaction data analyzer apparatus is associated with a financial entity and comprises (i) a user interface for allowing a user to provide inputs; (ii) a core transaction analyser and (iii) an output module for grouping results of an analysis. The core transaction analyser comprises a processor for analysing spatiotemporal trends in consumer transaction data and the analysis includes calculating a frequency of sequences of purchases made at merchants located within a maximum distance of one another.

公开(公告)号：GB2478070A

公开(公告)日：2011-08-24

申请号：GB201105316

申请日：2009-09-23

Applicant: BANK OF AMERICA

Inventor： GHOSH DEBASHIS ,  NEWMAN KURT D ,  JOA DAVID ,  BENDEL TIMOTHY J

IPC: G06Q30/00

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a market-dynamics network that assesses social and economic market dynamics in specific geoghraphic regions. For example, the market-dynamics network collects transaction data from a large number of business-merchants across a large number of geographic locations and appends geographic-location identifiers to the collected transaction data. The market-dynamics network then aggregates transaction data in specific geographic regions and, based on the aggregated transaction data, assesses social and economic market dynamics in those geographic regions.

公开(公告)号：GB2475827A

公开(公告)日：2011-06-01

申请号：GB201105309

申请日：2009-09-23

Applicant: BANK OF AMERICA

Inventor： GHOSH DEBASHIS ,  NEWMAN KURT D ,  JOA DAVID ,  BENDEL TIMOTHY J

IPC: G06Q30/00 ,  G06F17/30

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a performance-measuring network for measuring the performance of a business-merchant relative to other business-merchants competing the in the same or similar markets. For example, the performance-measuring network collects transaction data from a large number of different business-merchants. The performance-measuring network then assigns each of the different business-merchants to one or more peer groups. Each peer group consists of business-merchants that compete in the same or similar markets. For example, each peer group consists of business-merchants that sell similar products and/or services in the same geographic markets. After collecting transaction data and creating peer groups, the performance-measuring network measures the performance of a specific business-merchant by comparing the transaction data of the specific business-merchant to the transaction data of the other business-merchants that are assigned to the same peer group(s) as the specific business-merchant.

公开(公告)号：GB2463573A

公开(公告)日：2010-03-24

申请号：GB0916278

申请日：2009-09-16

Applicant: BANK OF AMERICA

Inventor： JOA DAVID ,  GHOSH DEBASHIS ,  JOFFE DAVID N ,  THAYER ALLISON ,  NEWMAN KURT D ,  BENDEL TIMOTHY J ,  SHAO YANGHONG ,  CARRIER NANCY G ,  KREIN MARK ,  PORTS PRESTON W III

IPC: G06Q20/00 ,  G06Q40/00

Abstract: Apparatus and methods for evaluating risk of nonpayment for mobile payments are disclosed. Wireless phone numbers 268 with associated customer history and account information are received and processed to generate a risk score 270 for the wireless phone number. The risk score is then incorporated into the transaction authorization process so as to evaluate the risk of default on the payment. The risk scores may be continually updated with new purchase and payment information. Authorization for a point of sale transaction may include evaluation of the mobile wireless risk score. A low wireless number risk score may result in authorization of the transaction. A high wireless number risk score may result in denial of the transaction.

公开(公告)号：NZ585974A

公开(公告)日：2012-06-29

申请号：NZ58597408

申请日：2008-11-26

Applicant: BANK OF AMERICA

Inventor： NEWMAN KURT D ,  BANERJEE SUDESHNA ,  BENDEL TIMOTHY J ,  GHOSH DEBASHIS ,  JOA DAVID ,  ALLISSON THAYER S

IPC: G07F19/00 ,  G06Q20/00 ,  G07C9/00

Abstract: An apparatus (20, 32) is configured to authenticate an individual who is initiating a bank account transaction as having authorization to access the bank account. The apparatus comprises an imaging device (26, 42) configured to obtain a real time image of a facial feature of the individual; a memory device comprising account-associated image files with each account-associated image file comprising one or more recorded images of one or more facial features of one or more persons who are authorized to access a bank account associated with the image file; and a processing device communicably coupled to the imaging device and the memory device. The processing device is configured to compare the obtained real time image with the one or more recorded images in an account-associated image file associated with the bank account to detect a matching image pair, and the processing device is further configured to grant account access to the individual in response to the presence of a matching image pair. Further disclosed is a method of authenticating an individual that is initiating a bank account transaction as having authorization to access the account and a method of identifying bank customers from among persons that are present at the bank facility.

公开(公告)号：NZ597084A

公开(公告)日：2012-04-27

申请号：NZ59708409

申请日：2009-12-14

Applicant: BANK OF AMERICA

Inventor： NEWMAN KURT D ,  GHOSH DEBASHIS ,  O'HAGAN MICHAEL JAMES ,  JOA DAVID ,  BENDEL TIMOTHY J

IPC: H04N7/15 ,  H04N21/258 ,  H04N21/422 ,  H04N21/4415 ,  H04N21/4788

Abstract: A method of tagging an individual in a video conference comprises generating a tag associated with an identified individual in a video conference; displaying on a video conferencing screen the tag associated with the identified individual; and changing the tag when an event occurs with regard to the identified individual. The displayed tag changes colour when the identified individual is talking. An apparatus for tagging an individual in a video conference comprises at least one processor and a memory having stored therein computer-executable instructions that, when executed by the at least one processor, cause the apparatus to perform the method tagging an individual in a video conference.