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1. 发明申请

US20170076378A1 SYSTEM FOR RESTRUCTURING BASED ON PREDICTIVE ANALYSIS 审中-公开
标题翻译：基于预测分析的结构系统
公开(公告)号：US20170076378A1
公开(公告)日：2017-03-16
申请号：US14851750
申请日：2015-09-11
申请人： BANK OF AMERICA CORPORATION
发明人： Katherine Dintenfass , Alexander C. Wittkowski , Cameron Darnell Wadley , Alicia C. Jones-McFadden , Angela Fritz Thompson , Damon C. Missouri
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： Disclosed herein are systems, methods, and computer program products that predict the occurrence of a life event, such as a marriage, for a first customer, provide a plurality of account management models that the first customer may select from to restructure the assets and accounts of the first customer (and possibly a second customer also involved in the predicted life event) based on the new goals, requirements, and tax implications of the predicted life event. The systems, methods, and computer program products provided herein simplify the process of combining at least some assets and accounts of two customers, or at least restructuring the assets and accounts, to prepare the two customers for collaborative financial planning.
摘要翻译：这里公开的是系统，方法和计算机程序产品，其预测第一客户的生命事件（例如婚姻）的发生，提供第一客户可以选择的多个帐户管理模型以重组资产和帐户根据预测的生活事件的新目标，要求和税收影响，第一个客户（也可能是第二个客户也参与预测的生活事件）。本文提供的系统，方法和计算机程序产品简化了两个客户的至少一些资产和账户的组合过程，或者至少重组资产和账户，以便为两个客户进行合作财务计划做准备。

2. 发明申请

US20170076379A1 SYSTEM FOR ANALYZING PRE-EVENT AND POST-EVENT INDIVIDUAL ACCOUNTS AND TRANSFORMING THE ACCOUNTS 审中-公开
标题翻译：分析事件和事件个人账户和转换账户的制度
公开(公告)号：US20170076379A1
公开(公告)日：2017-03-16
申请号：US14851765
申请日：2015-09-11
申请人： BANK OF AMERICA CORPORATION
发明人： Cameron Darnell Wadley , Katherine Dintenfass , Angela Fritz Thompson , Damon C. Missouri , Alexander C. Wittkowski , Alicia C. Jones-McFadden
IPC分类号： G06Q40/06 , G06Q50/00
CPC分类号： G06Q40/06 , G06Q50/01
摘要： Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.
摘要翻译：本文描述了系统，计算机程序产品和方法，用于分析用户的财务帐户，提供建议的财务动作，并且基于用户的生活事件转换用户的财务账户或交易来自动采取财务动作。通常，生活事件可能是婚姻或离婚。生活事件的发生可以由用户进行的交易，用户做出的社交网络发布，用户输入的应用等进行确定。确定生命事件发生后，分析与生活事件相关联的用户的财务状况，并确定财务行为。向用户提供财务分析和一个或多个拟议财务举措。用户选择要执行的一个或多个财务动作，并且自动启动所提出的财务动作。

3. 发明申请

US20170076283A1 SYSTEM FOR MODELING AND IMPLEMENTING EVENT-RESPONSIVE RESOURCE ALLOCATION STRUCTURES 审中-公开
标题翻译：用于建模和实施事件响应型资源分配结构的系统
公开(公告)号：US20170076283A1
公开(公告)日：2017-03-16
申请号：US14851599
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Damon C. Missouri , Cameron Darnell Wadley , Alexander C. Wittkowski , Alicia C. Jones-McFadden , Angela Fritz Thompson
IPC分类号： G06Q20/38 , G06Q30/02 , G06Q20/40
CPC分类号： G06Q20/3825 , G06Q20/405 , G06Q30/0269
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for implementing a change in a parameter associated with an event-responsive resource allocation structure, such as a named beneficiary, and predicting that the current parameters of an event-responsive resource allocation structure a unlikely to be congruent with a user's desired configuration of the parameters of the event-responsive resource allocation structure.
摘要翻译：本发明的实施例涉及用于实现与诸如命名受益人的事件响应资源分配结构相关联的参数的改变的系统，方法和计算机程序产品，并且预测事件响应资源的当前参数分配结构不太可能与用户对事件响应资源分配结构的参数的期望配置一致。

4. 发明授权

US10249002B2 System for dynamic visualization of individualized consumption across shared resource allocation structure 有权
公开(公告)号：US10249002B2
公开(公告)日：2019-04-02
申请号：US14851848
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Damon C. Missouri , Cameron Darnell Wadley , Alexander C. Wittkowski , Alicia C. Jones-McFadden , Angela Fritz Thompson
IPC分类号： G06Q40/06 , H04L29/08
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for implementing and visualizing individualized consumption across a shared resource allocation structure. Example embodiments include categorizing transactions associated with individual users associated with the shared resource allocation structure and implementing individuals display and viewing of such transactions, including visualization of a relationship between one or more transactions and a set of transaction rules.

5. 发明申请

US20170076366A1 UNIVERSAL TOKENIZATION SYSTEM 审中-公开
标题翻译：通用教育系统
公开(公告)号：US20170076366A1
公开(公告)日：2017-03-16
申请号：US14851758
申请日：2015-09-11
申请人： BANK OF AMERICA CORPORATION
发明人： Cameron Darnell Wadley , Katherine Dintenfass , Damon C. Missouri , Alexander C. Wittkowski , Alicia C. Jones-McFadden , Angela Fritz Thompson
IPC分类号： G06Q40/02 , G06Q50/18
CPC分类号： G06Q40/02 , G06Q50/18
摘要： Disclosed are systems, computer program products, and computer implemented methods for providing a universal tokenization system for customers of an entity. Embodiments of the invention include associating account information of multiple accounts with tokens that may be used to conduct transactions with the associated accounts. Some embodiments of the invention involve establishing electronic communication links with and between customers of the entity and receiving a request from a first customer to combine a first token associated with the first customer with a different, second token associated with a second customer. Some embodiments include combining the account information of the first and second tokens into a third token that may be used by either or both of the first and second customers for conducting transactions or maintaining accounts. In some embodiments, the system includes a notary system for notarizing any documentation necessary for combining accounts of two or more individuals.
摘要翻译：公开了用于为实体的客户提供通用标记化系统的系统，计算机程序产品和计算机实现的方法。本发明的实施例包括将多个帐户的帐户信息与可用于与相关帐户进行交易的令牌相关联。本发明的一些实施例涉及与实体的客户之间建立电子通信链路，并且接收来自第一客户的请求，以将与第一客户相关联的第一令牌与与第二客户相关联的不同的第二令牌组合。一些实施例包括将第一和第二令牌的帐户信息组合成第三令牌，第三令牌可由第一和第二客户之一或两者用于进行交易或维护帐户。在一些实施例中，系统包括公证系统，用于公证组合两个或更多个人的帐户所需的任何文件。

6. 发明授权

US10013714B2 System for simulation and implementation of dynamic state-dependent resource reconfiguration 有权
公开(公告)号：US10013714B2
公开(公告)日：2018-07-03
申请号：US14851623
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Damon C. Missouri , Cameron Darnell Wadley , Alexander C. Wittkowski , Alicia C. Jones-McFadden , Angela Fritz Thompson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q50/186 , G06Q50/188
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for implementing a dynamic state-dependent resource reconfiguration, such as the reconfiguration of resources and assets that may occur with a relationship between a first user and a second user is terminated. Example embodiments include incorporating into the resource reconfiguration aspects of prior user agreements and simulating the expected outcome of the dynamic state-dependent resource reconfiguration.

7. 发明申请

US20170076380A1 SYSTEM FOR DYNAMIC VISUALIZATION OF INDIVIDUALIZED CONSUMPTION ACROSS SHARED RESOURCE ALLOCATION STRUCTURE 审中-公开
标题翻译：用于分享资源分配结构的个性化消费动态可视化系统
公开(公告)号：US20170076380A1
公开(公告)日：2017-03-16
申请号：US14851848
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Damon C. Missouri , Cameron Darnell Wadley , Alexander C. Wittkowski , Alicia C. Jones-McFadden , Angela Fritz Thompson
IPC分类号： G06Q40/06 , H04L29/08
CPC分类号： G06Q40/06 , H04L67/14 , H04L67/2804 , H04L67/306
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for implementing and visualizing individualized consumption across a shared resource allocation structure. Example embodiments include categorizing transactions associated with individual users associated with the shared resource allocation structure and implementing individuals display and viewing of such transactions, including visualization of a relationship between one or more transactions and a set of transaction rules.
摘要翻译：本发明的实施例涉及用于在共享资源分配结构上实现和可视化个性化消费的系统，方法和计算机程序产品。示例性实施例包括分类与与共享资源分配结构相关联的各个用户相关联的交易，并且实现个人显示和查看这些交易，包括一个或多个交易与一组交易规则之间的关系的可视化。

8. 发明申请

US20170076271A1 SYSTEM FOR OPENING AND CONSOLIDATING ACCOUNTS BASED ON AN EVENT ASSOCIATED WITH THE ACCOUNT HOLDER 审中-公开
标题翻译：根据与账户持有人相关的事件开立和整理账户的系统
公开(公告)号：US20170076271A1
公开(公告)日：2017-03-16
申请号：US14851769
申请日：2015-09-11
申请人： BANK OF AMERICA CORPORATION
发明人： Alicia C. Jones-McFadden , Cameron Darnell Wadley , Katherine Dintenfass , Angela Fritz Thompson , Damon C. Missouri , Alexander C. Wittkowski
IPC分类号： G06Q20/22 , G06F17/30
CPC分类号： G06Q20/227 , G06Q20/405
摘要： Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.
摘要翻译：本文描述了系统，计算机程序产品和方法，用于分析用户的财务帐户，提供建议的财务动作，并且基于用户的生活事件转换用户的财务账户或交易来自动采取财务动作。通常，生活事件可能是婚姻或离婚。生活事件的发生可以由用户进行的交易，用户做出的社交网络发布，用户输入的应用等进行确定。确定生命事件发生后，分析与生活事件相关联的用户的财务状况，并确定财务行为。向用户提供财务分析和一个或多个拟议财务举措。用户选择要执行的一个或多个财务动作，并且自动启动所提出的财务动作。

9. 发明授权

US10127551B2 System for modeling and implementing event-responsive resource allocation structures 有权
公开(公告)号：US10127551B2
公开(公告)日：2018-11-13
申请号：US14851599
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Damon C. Missouri , Cameron Darnell Wadley , Alexander C. Wittkowski , Alicia C. Jones-McFadden , Angela Fritz Thompson
IPC分类号： G06Q40/00 , G06Q20/38 , G06Q20/40 , G06Q30/02
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for implementing a change in a parameter associated with an event-responsive resource allocation structure, such as a named beneficiary, and predicting that the current parameters of an event-responsive resource allocation structure a unlikely to be congruent with a user's desired configuration of the parameters of the event-responsive resource allocation structure.

10. 发明申请

US20170153919A1 SYSTEM FOR ANALYZING RESOURCE CAPACITY BASED ON ASSOCIATED DEPENDENCIES 审中-公开
公开(公告)号：US20170153919A1
公开(公告)日：2017-06-01
申请号：US14954599
申请日：2015-11-30
申请人： BANK OF AMERICA CORPORATION
发明人： Alicia C. Jones-McFadden , Katherine Dintenfass , Alexander C. Wittkowski , Damon C. Missouri , Cameron Darnell Wadley
IPC分类号： G06F9/50 , G06F9/48
CPC分类号： G06Q10/0631 , G06Q40/00 , G06Q40/06 , G06Q40/08
摘要： Systems, computer program products, and methods are described herein for analyzing resource capacity based on associated dependencies. The present invention is configured to determine a resource capacity associated with an entity; determine one or more dependencies associated with the entity, wherein the one or more dependencies are associated with a resource value; receive a user input, wherein the user input comprises a dynamic allocation of the one or more dependencies to the entity; determine an aggregated resource value based on at least receiving the user input, wherein the aggregated resource value comprises an aggregate of the resource values associated with the one or more dependencies dynamically allocated to the entity; and initiate a presentation of a dynamic display, wherein the dynamic display comprises an indication of the resource capacity associated with the entity and an aggregated resource value associated with the one or more dependencies dynamically allocated to the entity.

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