公开(公告)号：US09632984B2

公开(公告)日：2017-04-25

申请号：US14270543

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Linda Ann Eddy ,  Brian Dunne

IPC: G06F17/21 ,  G06Q40/02 ,  G06Q30/00

CPC classification number: G06F17/211 ,  G06F17/212 ,  G06Q30/00 ,  G06Q30/016 ,  G06Q40/02

Abstract: In some embodiments, a system identifies content for display on a user device. The system determines a device category associated with the user device. The system determines that the content for display on the user device comprises at least one of a group comprising a plurality of bank product options, a user assistance option associated with one or more of the plurality of bank product options, a plurality of questions associated with one or more of the plurality of bank product options, and a disclosure associated with acceptance of a selected bank product option of the plurality of bank product options. The system determines a presentation format for the content according to presentation rules that determine presentation format for the content on the user device according to the content and the determined device category.

公开(公告)号：US20150324908A1

公开(公告)日：2015-11-12

申请号：US14270483

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Linda Ann Eddy ,  Brian Dunne

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q40/025

Abstract: In some embodiments, a system calculates a user risk score, and determines a first subset of questions using the user risk score and type of user device. The system communicates and receives answers to the first subset of questions. The system determines a second subset of questions based on the answers to the first subset of questions. The system communicates and receives answers to the second subset of questions. The system determines whether the answers to the first subset of questions are accurate. If the verification indicates that the answer to one or more of the first subset of questions is not accurate, the system determines a third subset of questions. The system communicates and receives answers to the third subset of questions. The system determines a plurality of repayment plans based on the user risk score and the answers to the first, second, and third subset of questions.

Abstract translation: 在一些实施例中，系统计算用户风险分数，并且使用用户风险评分和用户设备的类型来确定问题的第一子集。 系统通信并接收第一个问题子集的答案。 该系统基于第一个问题子集的答案确定问题的第二个子集。 系统通信并接收第二个问题子集的答案。 系统确定第一个问题子集的答案是否准确。 如果验证表明问题的第一个子集中的一个或多个问题的答案不准确，则系统确定问题的第三个子集。 系统通信并接收第三个问题子集的答案。 该系统基于用户风险评分和对第一，第二和第三个问题子集的答案确定多个还款计划。

公开(公告)号：US20150324904A1

公开(公告)日：2015-11-12

申请号：US14270543

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Linda ann Eddy ,  Brian Dunne

IPC: G06Q40/02 ,  G06F17/21 ,  G06Q30/00

CPC classification number: G06F17/211 ,  G06F17/212 ,  G06Q30/00 ,  G06Q30/016 ,  G06Q40/02

Abstract: In some embodiments, a system identifies content for display on a user device. The system determines a device category associated with the user device. The system determines that the content for display on the user device comprises at least one of a group comprising a plurality of bank product options, a user assistance option associated with one or more of the plurality of bank product options, a plurality of questions associated with one or more of the plurality of bank product options, and a disclosure associated with acceptance of a selected bank product option of the plurality of bank product options. The system determines a presentation format for the content according to presentation rules that determine presentation format for the content on the user device according to the content and the determined device category.

Abstract translation: 在一些实施例中，系统识别用于在用户设备上显示的内容。 系统确定与用户设备相关联的设备类别。 系统确定用于在用户设备上显示的内容包括包括多个银行产品选项的组中的至少一个，与多个银行产品选项中的一个或多个相关联的用户帮助选项，与 多个银行产品期权中的一个或多个，以及与接受多个银行产品期权的所选银行产品期权相关联的披露。 该系统根据根据内容和确定的设备类别确定用户设备上的内容的呈现格式的呈现规则来确定内容的呈现格式。

公开(公告)号：US20150324902A1

公开(公告)日：2015-11-12

申请号：US14270410

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Valon Mitchell Cross ,  Brian Dunne ,  Linda Ann Eddy

IPC: G06Q40/02

CPC classification number: G06Q40/02

Abstract: A system includes a memory operable to store user data and a processor communicatively coupled to the memory. The processor is operable to identify a first user, access user data associated with the first user, and determine whether to provide a first alert to the first user. The processor selects a first alert format and a first alert type according to the user data associated with the first user. The processor communicates the first alert to the first user in accordance with the selected first alert format and first alert type. The processor identifies a second user, accesses user data associated with the second user, and determines whether to provide a second alert to the second user. The processor selects a second alert format and a second alert type and communicates the second alert to the second user in accordance with the selected second alert format and second alert type.

Abstract translation: 系统包括可操作以存储用户数据的存储器和通信地耦合到存储器的处理器。 处理器可操作以识别第一用户，访问与第一用户相关联的用户数据，并且确定是否向第一用户提供第一警报。 处理器根据与第一用户相关联的用户数据选择第一警报格式和第一警报类型。 处理器根据所选择的第一警报格式和第一警报类型向第一用户传送第一警报。 处理器识别第二用户，访问与第二用户相关联的用户数据，并且确定是否向第二用户提供第二警报。 处理器选择第二警报格式和第二警报类型，并且根据所选择的第二警报格式和第二警报类型将第二警报传达给第二用户。

公开(公告)号：US20150324907A1

公开(公告)日：2015-11-12

申请号：US14270447

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Valon Mitchell Cross ,  Brian Dunne ,  Linda Ann Eddy

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q40/025

Abstract: In some embodiments, a system receives information about a first loan and information about a second loan. The system calculates a user risk score based on a user payment history, a first loan priority score, and a second loan priority score. The system generates a single loan payment plan for the first loan and the second loan using the first loan priority score, the second loan priority score, and the user risk score. The system receives a payment associated with the single loan payment plan. The processor subdivides the payment into a first loan payment and a second loan payment using the first loan priority score and the second loan priority score. The system transfers the first loan payment to the first line of business and the second loan payment to the second line of business.

Abstract translation: 在一些实施例中，系统接收关于第一贷款的信息和关于第二贷款的信息。 该系统基于用户支付历史，第一贷款优先级得分和第二贷款优先级得分来计算用户风险分数。 该系统使用第一笔贷款优先分数，第二笔贷款优先分数和用户风险分数，为第一笔贷款和第二笔贷款生成单笔贷款支付计划。 系统收到与单笔贷款支付计划相关的付款。 处理器使用第一贷款优先级分数和第二贷款优先级分数将支付分为第一贷款支付和第二贷款支付。 系统将第一笔贷款支付给第一线业务，第二笔贷款支付给第二线业务。

公开(公告)号：US20150324906A1

公开(公告)日：2015-11-12

申请号：US14270418

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Valon Mitchell Cross ,  Linda Ann Eddy ,  Brian Dunne

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q40/025

Abstract: In some embodiments, a system receives a notice indicating a loan past due associated with a user. The system calculates a user risk score associated with the user with the user risk score based on a user payment history. The system determines a plurality of repayment plans for the user using the calculated user risk score, and calculates a repayment plan value score for each repayment plan. The system orders each repayment plan according to the repayment plan value score, and generates a repayment plan queue of the plurality of the ordered repayment plans. The system communicates a first repayment plan in the repayment plan queue to the user.

Abstract translation: 在一些实施例中，系统接收指示与用户相关联的过期的通知。 该系统基于用户支付历史计算用户风险分数与用户相关联的用户风险评分。 系统使用计算出的用户风险分数确定用户的多个还款计划，并计算每个还款计划的还款计划值分数。 系统根据还款计划的价值分数对每个还款计划进行订单，并生成多个订单还款计划的还款计划队列。 系统将还款计划队列中的第一个还款计划传达给用户。

公开(公告)号：US20150324903A1

公开(公告)日：2015-11-12

申请号：US14270484

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Linda Ann Eddy ,  Brian Dunne

IPC: G06Q40/02 ,  H04L12/18

CPC classification number: G06Q40/02 ,  G06Q40/025 ,  H04L12/1831

Abstract: In some embodiments, a system identifies a bank product flow associated with a user interacting with a website. The system accesses proactive chat session triggering rules associated with the identified bank product flow. The system monitors activity of the user interacting with the website. The system determines whether the activity of the user satisfies a trigger specified in the proactive chat session triggering rules associated with the identified bank product flow. The system determines availability of a customer service agent to engage in a chat session with the user. In accordance with the availability of the customer service agent, the system initiates the chat session between the user and the customer service agent associated with the bank product flow without waiting for the user to initiate the chat session.

Abstract translation: 在一些实施例中，系统识别与与网站交互的用户相关联的银行产品流。 系统访问与识别的银行产品流相关联的主动聊天会话触发规则。 系统监视与网站交互的用户的活动。 系统确定用户的活动是否满足在主动聊天会话中指定的触发触发与所识别的银行产品流相关联的规则。 系统确定客户服务代理人与用户进行聊天会话的可用性。 根据客户服务代理的可用性，系统发起用户与与银行产品流相关联的客户服务代理之间的聊天会话，而不等待用户发起聊天会话。

公开(公告)号：US20150324901A1

公开(公告)日：2015-11-12

申请号：US14270401

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Brian Dunne ,  Linda Ann Eddy

IPC: G06Q40/02 ,  G06Q20/32

CPC classification number: G06Q40/02 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q40/025

Abstract: In some embodiments, a system receives an image file from a user device. The image file depicts a financial document that a customer selects to submit to a bank for inclusion in an application for a bank product. The system associates the image file with the application and determines whether receipt of the image file completes the application. If yes, the system sends the application to a review process configured to determine whether to approve the application. If no, the system determines a time period for the customer to complete the application and, after the time period has elapsed, initiates communication with instructions for completing the application.

Abstract translation: 在一些实施例中，系统从用户设备接收图像文件。 图像文件描述了客户选择提交给银行以包含在银行产品的申请中的财务文件。 系统将图像文件与应用程序相关联，并确定图像文件的接收是否完成应用程序。 如果是，系统会将应用程序发送到配置为确定是否批准应用程序的审阅过程。 如果没有，则系统确定客户完成应用的时间段，并且在该时间段过去之后，启动与完成应用的指令的通信。

公开(公告)号：US20150324770A1

公开(公告)日：2015-11-12

申请号：US14270522

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Linda Ann Eddy ,  Brian Dunne

IPC: G06Q20/10 ,  G06Q20/24

CPC classification number: G06Q20/10 ,  G06Q20/102 ,  G06Q20/24

Abstract: In some embodiments, a system receives promise-to-pay information associated with a loan past due from a user. The promise-to-pay information comprises a promised amount, a promised date, and a payment form. The system determines a minimum promise-to-pay amount for the user. If the promised amount is greater than the minimum promise-to-pay amount, the system determines an external payment service based on the payment form. The external payment service is a payment service that processes a payment for the promised amount. The system communicates to the determined external payment service portions of the promise-to-pay information used to process the payment for the promised amount within a predetermined time period before the promised date, and communicates an alert to the user.

Abstract translation: 在一些实施例中，系统接收与由用户过期的贷款相关联的承诺付款信息。 承诺付款信息包括承诺金额，承诺日期和付款表单。 系统确定用户的最低承诺付款金额。 如果承诺金额大于最低承诺金额，系统将根据付款方式确定外部支付服务。 外部支付服务是一种付款服务，处理承诺金额的付款。 该系统与在承诺日期之前的预定时间段内用于处理所承诺金额的支付的承诺付款信息的确定的外部支付服务部分进行通信，并向用户传达警报。

公开(公告)号：US09582829B2

公开(公告)日：2017-02-28

申请号：US14270483

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Linda Ann Eddy ,  Brian Dunne

IPC: G06Q40/00 ,  G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q40/025

Abstract: In some embodiments, a system calculates a user risk score, and determines a first subset of questions using the user risk score and type of user device. The system communicates and receives answers to the first subset of questions. The system determines a second subset of questions based on the answers to the first subset of questions. The system communicates and receives answers to the second subset of questions. The system determines whether the answers to the first subset of questions are accurate. If the verification indicates that the answer to one or more of the first subset of questions is not accurate, the system determines a third subset of questions. The system communicates and receives answers to the third subset of questions. The system determines a plurality of repayment plans based on the user risk score and the answers to the first, second, and third subset of questions.

Abstract translation: 在一些实施例中，系统计算用户风险分数，并且使用用户风险评分和用户设备的类型来确定问题的第一子集。 系统通信并接收第一个问题子集的答案。 该系统基于第一个问题子集的答案确定问题的第二个子集。 系统通信并接收第二个问题子集的答案。 系统确定第一个问题子集的答案是否准确。 如果验证表明问题的第一个子集中的一个或多个问题的答案不准确，则系统确定问题的第三个子集。 系统通信并接收第三个问题子集的答案。 该系统基于用户风险评分和对第一，第二和第三个问题子集的答案确定多个还款计划。