公开(公告)号：US20160140523A1

公开(公告)日：2016-05-19

申请号：US14540902

申请日：2014-11-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Tyler Johnson ,  Nathan Dent ,  Kristy M. Crist ,  Christian Michael Mande ,  James Robert Grimsley ,  Sara Gill

IPC: G06Q20/10

CPC classification number: G07F19/209 ,  G07F19/20 ,  G07F19/201

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a position adaptive Automated Teller Machine (ATM) for customer privacy. In this way, the system senses, via a sensor, characteristics associated with the customer's portion relative to the ATM screen. The characteristics may include the stature of the customer, the relative proximity the customer is to the ATM, eye tracking or the like. Once the characteristics associated with the customer are determined the system may make adjustments via software and/or hardware to the ATM in order to present display information from the ATM in a private manner.

Abstract translation: 本发明的实施例涉及一种用于为客户隐私提供位置自适应自动柜员机（ATM）的系统，方法或计算机程序产品。 以这种方式，系统通过传感器感测与客户部分相对于ATM屏幕的特征。 特征可以包括客户的身材，客户对ATM的相对接近度，眼睛跟踪等。 一旦确定了与客户相关联的特征，系统可以通过软件和/或硬件对ATM进行调整，以便以私人方式从ATM呈现显示信息。

公开(公告)号：US20160098709A1

公开(公告)日：2016-04-07

申请号：US14506382

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

IPC: G06Q20/38 ,  G06Q20/10

CPC classification number: G06Q20/1085 ,  G07F19/20

Abstract: Disclosed is an automated teller machine (ATM) having a display. The ATM also typically includes a processor, a memory, and an ATM application stored in the memory. The ATM application is typically configured for: displaying public information on the display; initiating an ATM session with a user; based on initiating the ATM session with the user, initiating a privacy protocol, the privacy protocol reducing the viewability of at least a portion of the display; receiving user-specific information; and, during the ATM session with the user and based on receiving the user-specific information, displaying the user-specific information on the portion of the display having reduced viewability.

Abstract translation: 公开了一种具有显示器的自动柜员机（ATM）。 ATM还通常包括存储在存储器中的处理器，存储器和ATM应用。 ATM应用通常被配置为：在显示器上显示公共信息; 与用户发起ATM会话; 基于与所述用户发起ATM会话，发起隐私协议，所述隐私协议降低所述显示器的至少一部分的可视性; 接收用户特定信息; 并且在与用户的ATM会话期间并且基于接收到用户特定信息，在具有降低的可见性的显示器的部分上显示用户特定信息。

公开(公告)号：US09264667B1

公开(公告)日：2016-02-16

申请号：US14461131

申请日：2014-08-15

Applicant: Bank of America Corporation

Inventor： Christian Michael Mande ,  James Robert Grimsley ,  Tyler Johnson ,  Nathan Dent ,  Sara Gill ,  Kristy M. Crist

IPC: H04M3/42 ,  H04N7/15 ,  H04N7/14 ,  G06Q30/00

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.

公开(公告)号：US20150220921A1

公开(公告)日：2015-08-06

申请号：US14172260

申请日：2014-02-04

Applicant: Bank of America Corporation

Inventor： Nathan Dent ,  James David Freedman ,  David Grigg

IPC: G06Q20/40 ,  G06Q20/22

CPC classification number: G06Q20/40 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/409

Abstract: Systems, methods and apparatuses for authenticating a user via a machine-readable code arranged on a reusable payment device and a computing device are provided. An image of the machine-readable code may be received from a computing device, such as a mobile device. If it is determined that a match exists between a user associated with the mobile device and a user associated with the machine-readable code and/or reusable payment device, a user may be authenticated and may be provided with account information and/or account functionality. In some examples, the authentication may be used to pre-populate payment information during a transaction.

Abstract translation: 提供了通过布置在可重用的支付设备和计算设备上的机器可读代码认证用户的系统，方法和设备。 可以从诸如移动设备的计算设备接收机器可读代码的图像。 如果确定在与移动设备相关联的用户与与机器可读代码和/或可重用的支付设备相关联的用户之间存在匹配，则可以对用户进行身份验证并且可以向其提供帐户信息和/或帐户功能 。 在一些示例中，认证可以用于在交易期间预先填充支付信息。

公开(公告)号：US20150090782A1

公开(公告)日：2015-04-02

申请号：US14043912

申请日：2013-10-02

Applicant: Bank of America Corporation

Inventor： Nathan Dent ,  James David Freedman

IPC: G06Q20/10 ,  G07F19/00

CPC classification number: G06Q20/10 ,  G06Q20/042 ,  G06Q20/3223 ,  G06Q20/3276 ,  G07F19/202

Abstract: Systems, methods, computer-readable media and apparatuses pre-processing a negotiable instrument, such as a check, are presented. An image of a portion of the check may be received, such as from a mobile device of a user. The portion provided in the image may include a convenience area of the check identifying an amount of the check as a numerical value and a quick response (QR) code. The QR code may contain data such as that contained in the magnetic ink character recognition (MICR) line of the check. The image may be processed to identify one or more options available for continued processing of the check or for cancelling the transaction. The options may be provided to the user, such as via a user interface. In some examples, the user interface may be provided on the mobile device used to capture the image of the portion of the check.

Abstract translation: 呈现系统，方法，计算机可读介质和预处理可调票据（例如支票）的装置。 可以接收诸如来自用户的移动设备的支票的一部分的图像。 提供在图像中的部分可以包括将支票的数量识别为数值和快速响应（QR）代码的支票的方便区域。 QR码可以包含诸如包含在支票的墨水字符识别（MICR）线中的数据。 可以处理图像以识别可用于继续处理支票或取消交易的一个或多个选项。 可以例如经由用户界面向用户提供选项。 在一些示例中，可以在用于捕获支票的该部分的图像的移动装置上提供用户界面。