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41.发明授权公开(公告)号：US09467652B2
公开(公告)日：2016-10-11
申请号：US15041932
申请日：2016-02-11
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christian Michael Mande , James Robert Grimsley , Tyler Johnson , Nathan Dent , Sara Gill , Kristy M. Crist
CPC classification number: H04N7/147 , G06Q10/06311 , G06Q30/016 , H04N7/15
Abstract: Systems, apparatus, and computer program products are provided for determining the media format for transferring a customer from customer between specialists and/or from one communication source to another communication source within a customer service outlet, such as a banking center or the like. For example, while a two-way video conference system may be used for communication between a customer and a remote specialist, in certain instances in which the customer requires transfer to another specialist (e.g., a specialist having a different specialty) other media formats, such as one-way live video conference, live audio-only conference, text chat or the like may be implemented.
Abstract translation: 提供了系统，装置和计算机程序产品，用于确定用户从专家之间和/或从一个通信源到客户服务插座（如银行中心等）中的另一个通信源之间的客户转移的媒体格式。 例如，当双向视频会议系统可以用于客户和远程专家之间的通信时，在客户需要转移到另一专家（例如，具有不同专长的专家）的其他媒体格式的某些情况下， 例如单向实况视频会议，实时音频会议，文本聊天等。
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公开(公告)号：US20160260295A1
公开(公告)日：2016-09-08
申请号：US15047125
申请日：2016-02-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Nathan Dent
IPC: G07F19/00
CPC classification number: G07F19/2055 , G06Q20/1085 , G06Q20/3224 , G06Q20/327 , G06Q20/401 , G07F19/207
Abstract: Proximity-triggered notifications/alerts are communicated to bank customers as a result of a previously abandoned/canceled ATM transaction that has subsequently been pre-queued for completion. In this regard, the present invention recognizes when the customer is proximate in location to a financial institution channel suitable for completing the transaction and sends the customer an alert, which is typically received by the customer via a mobile communication device. The alert indicates that the previous abandoned ATM transaction has been pre-queued for completion and provides the customer with the location of the nearest financial institution channel suitable for completing the transaction. In specific embodiments of the invention, pre-queuing of the transaction for completion provides for the customer to complete the transaction from the last existing point in the transaction completed by the customer.
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公开(公告)号：US20160162856A1
公开(公告)日：2016-06-09
申请号：US14562485
申请日：2014-12-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tyler Johnson , Sara Gill , Christian Michael Mande , James Robert Grimsley , Kristy M. Crist , Nathan Dent
CPC classification number: G06Q20/1085 , G05B2219/32128 , G06F3/048 , G06F3/0481 , G06F3/0484 , G06Q20/32 , G06Q20/327 , G07F19/205 , G07F19/206 , H04L67/141
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.
Abstract translation: 本发明的实施例涉及一种系统，方法或计算机程序产品，用于基于客户发起与ATM的会话来接收将在ATM的屏幕上显示的定制。 定制与执行金融交易的功能相关联。 该功能是由于客户与ATM屏幕上的定制相互作用而执行的。 可以根据客户的障碍障碍来改变定制。 定制的显示可能被限制为安全目的或作为客户的请求。
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公开(公告)号：US20160162855A1
公开(公告)日：2016-06-09
申请号：US14562471
申请日：2014-12-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tyler Johnson , Christian Michael Mande , James Robert Grimsley , Sara Gill , Nathan Dent , Kristy M. Crist
CPC classification number: G06Q20/1085 , G06Q20/327 , G06Q20/363 , G06Q20/381 , G06Q20/3821 , G06Q20/405
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for communicating customer preferences to an automated teller machine (ATM). In this way, the system receives at least one customer preference for conducting transactions at an ATM and input from the customer indicating the customer's desire to conduct an ATM transaction. In response to receiving the customer input, the system may generate a customer preference communication for receipt by the ATM, wherein the customer preference communication comprises at least of the at least one customer preferences for conducting transactions at an ATM.
Abstract translation: 本发明的实施例涉及用于将客户偏好传送到自动取款机（ATM）的系统，方法或计算机程序产品。 以这种方式，系统接收至少一个客户偏好以在ATM处进行交易，并从客户输入指示客户进行ATM交易的愿望。 响应于接收到客户输入，系统可以生成用于由ATM接收的客户偏好通信，其中客户偏好通信至少包括用于在ATM进行交易的至少一个客户偏好。
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45.发明申请METHOD FOR PROVIDING PRIVACY THROUGH ATM COMMUNICATION TO CONSUMER DEVICES 审中-公开通过ATM通信给消费者设备提供隐私的方法公开(公告)号：US20160098700A1
公开(公告)日：2016-04-07
申请号：US14506439
申请日：2014-10-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tyler Johnson , Christian Michael Mande , James Robert Grimsley , Sara Gill , Nathan Dent , Kristy M. Crist
CPC classification number: H04W4/70 , G06Q20/1085 , G06Q20/3276 , G06Q20/3278 , G07F19/20
Abstract: Disclosed is an automated teller machine (ATM) that directly communicates with consumer devices to provide privacy. The ATM typically includes a processor, a memory, and a module stored in the memory. The module is typically configured to: initiate an ATM session with a user; associate at least one user mobile computing device with the ATM session; process a first transaction request on behalf of the user during the ATM session; and, in response to processing the first transaction request, initiate an interactive session between the ATM and the user mobile computing device, wherein information associated with the first transaction request is communicated to the user mobile computing device during the interactive session.
Abstract translation: 公开了一种与消费者设备直接通信以提供隐私的自动柜员机（ATM）。 ATM通常包括处理器，存储器和存储在存储器中的模块。 该模块通常被配置为：与用户发起ATM会话; 将至少一个用户移动计算设备与ATM会话相关联; 在ATM会话期间代表用户处理第一个交易请求; 以及响应于处理所述第一事务请求，在所述ATM和所述用户移动计算设备之间发起交互式会话，其中与所述第一事务请求相关联的信息在所述交互会话期间被传送到所述用户移动计算设备。
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Patent Agency Ranking
公开(公告)号：US20160098692A1
公开(公告)日：2016-04-07
申请号：US14506479
申请日：2014-10-03
Applicant: Bank of America Corporation
Inventor： Tyler Johnson , Christian Michael Mande , James Robert Grimsley , Sara Gill , Nathan Dent , Kristy M. Crist
CPC classification number: G06Q20/1085 , G06Q20/0453 , G06Q20/209 , G06Q20/389 , G06Q40/12 , G07F19/20 , G07G1/01
Abstract: Disclosed is an automated teller machine (ATM) configured for processing transaction statement inquiries. The ATM also typically includes a processor, a memory, and a module stored in the memory. The module is typically configured to: receive a first request from a user to view a transaction statement; present the transaction statement on a display associated with the automated teller machine, wherein the transaction statement comprises one or more line items corresponding to one or more transaction associated with the user account; receive a second request from the user to select at least one line item within the transaction statement for inquiry processing; and process at least one action for the at least one line item based at least partially on the second request from the user to select the at least one line item within the transaction statement for inquiry processing.
Abstract translation: 公开了一种配置用于处理交易声明查询的自动取款机（ATM）。 ATM还通常包括处理器，存储器和存储在存储器中的模块。 模块通常被配置为：从用户接收第一请求以查看事务语句; 在与自动柜员机相关联的显示器上呈现交易声明，其中所述交易语句包括与所述用户账户相关联的一个或多个交易相对应的一个或多个行项目; 接收来自用户的第二请求，以选择交易声明内的至少一个行项目进行查询处理; 并且至少部分地基于来自用户的第二请求来处理至少一个订单项的至少一个动作，以选择该事务语句内的至少一个订单项以供查询处理。
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公开(公告)号：US20160048841A1
公开(公告)日：2016-02-18
申请号：US14461125
申请日：2014-08-15
Applicant: Bank of America Corporation
Inventor： Tyler Johnson , James Robert Grimsley , Nathan Dent , Sara Gill , Christian Michael Mande , Kristy M. Crist
Abstract: Systems, apparatus, and computer program products are provided for seamlessly transferring customers from one specialist to another specialist during an ongoing video conferencing communication session. In specific embodiments of the invention, simultaneous communication is provided amongst the customer, the transferor (or first) specialist and the transferee (or second) specialist, prior to the first specialist departing the communication session. In one specific embodiment, simultaneous communication provides for dual screen display, in which the customer views and communicates with both specialists simultaneously, while the specialists view and communicate with the customer and the other specialist. In additional embodiments of the invention, in which information pertaining to the customer may have privacy concerns, customer information exchange rules are implemented to automatically determine which information accessible to the first specialist can be communicated to the second specialist prior to the seamless transition.
Abstract translation: 提供系统，设备和计算机程序产品，用于在正在进行的视频会议通信会话期间将客户从一位专家无缝转移到另一名专家。 在本发明的具体实施例中，在第一专家离开通信会话之前，在客户，转让方（或第一）专家和受让方（或第二）专家）之间提供同时通信。 在一个具体实施例中，同时通信提供双屏幕显示，其中客户同时观察并与两位专家进行通信，而专家则查看并与客户和其他专家进行通信。 在本发明的另外的实施例中，其中关于顾客的信息可能具有隐私问题，实施客户信息交换规则以自动确定第一专家可访问的信息可以在无缝转换之前传送给第二专家。
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公开(公告)号：US11410506B2
公开(公告)日：2022-08-09
申请号：US17108109
申请日：2020-12-01
Applicant: Bank of America Corporation
Inventor： Matthew E. Carroll , Michael Ogrinz , Nathan Dent
Abstract: Aspects of the disclosure relate to processing systems that implement an enhanced reality device to facilitate transactions at a screen-less automated teller machine (ATM). A computing platform may receive a request to initiate a transaction with a screen-less automated ATM. Based on the request to initiate the transaction, the computing platform may send pre-transaction interface information and commands directing the enhanced reality device to generate a pre-transaction interface. The computing platform may receive an authentication request from the screen-less ATM indicating its availability and requesting authentication information. In response to validating the authentication information, the computing platform may generate transaction interface information. The computing platform may send the transaction interface information to the enhanced reality device. The computing platform may receive a transaction completion indication from the screen-less ATM. After receiving the transaction completion indication, the computing platform may send haptic feedback indicating that the transaction is complete.
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公开(公告)号：US11301900B2
公开(公告)日：2022-04-12
申请号：US16458663
申请日：2019-07-01
Applicant: Bank of America Corporation
Inventor： Monika Kapur , Nathan Dent
Abstract: Arrangements for dynamic data exchange and control are provided. In some examples, user device location data may be detected by a system. The location data may be detected in real-time and one or more entities within a predefined proximity of the detected location may be identified. A communication session may be established with a first entity of the one or more entities identified and a request for a first offer may be transmitted to the first entity. In response, a first offer may be received from the first entity and evaluated to determine whether it is an optimized offer. If so, the offer may be presented to the user. If not, a counter offer may be generated using machine learning. The counter offer may be transmitted to the first entity for evaluation and acceptance or generation of another counter offer. Upon agreeing to a particular offer, the offer may be transmitted to the user device.
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50.发明授权公开(公告)号：US11164170B2
公开(公告)日：2021-11-02
申请号：US16929612
申请日：2020-07-15
Applicant: Bank of America Corporation
Inventor： Nathan Dent , Matthew E. Carroll
Abstract: Aspects of the disclosure relate to processing systems that provide a teller assistant experience using enhanced reality interfaces. The computing platform may initiate a video call with an enhanced reality device, which may cause the enhanced reality device to display a user of the computing platform in a portion of a teller assistance experience interface and may cause the computing platform to display a video stream corresponding to a user of the enhanced reality device. The computing platform may receive a request to generate a teller experience notification based on the video stream. The computing platform may generate commands directing an enhanced reality teller control platform to generate the teller experience notification. The computing platform may send, to the enhanced reality teller control platform, the commands, which may cause the enhanced reality teller control platform to direct the enhanced reality device to display the teller experience notification.
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