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1. 发明申请

WO2009018408A1 SYSTEM AND METHOD FOR MANAGING CUSTOMER INTERACTIONS 审中-公开
标题翻译：用于管理客户互动的系统和方法
公开(公告)号：WO2009018408A1
公开(公告)日：2009-02-05
申请号：PCT/US2008/071705
申请日：2008-07-31
申请人： BANK OF AMERICA CORPORATION , HILL, Rosemary
发明人： HILL, Rosemary
IPC分类号： G06F15/16
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q40/00
摘要： Systems and methods for managing customer interactions allow an organization or individual to identify, prioritize, and manage customer interactions efficiently prior to a customer reaching a specialized customer service agent or station. A terminal may be used in a lobby of an office or business (e.g., by a lobby leader) to identify, queue, and process customers. For example, in a banking environment, a customer's needs and identification information may be collected and/or identified prior to the customer reaching a bank teller or other transaction station by a lobby leader. In one or more instances, a terminal used by a lobby leader may be configured to process one or more transactions so that the customer does not need to wait in a queue. A lobby leader terminal may also include a variety of other functions to facilitate customer management.
摘要翻译：用于管理客户交互的系统和方法允许组织或个人在客户到达专门的客户服务代理或站之前有效地识别，优先排列和管理客户交互。终端可以在办公室或商业的大厅（例如，由大厅领导）中使用以识别，排队和处理客户。例如，在银行环境中，客户的需求和识别信息可以在客户由大厅领导者到达银行柜员或其他交易站之前收集和/或识别。在一个或多个实例中，由大厅领导者使用的终端可以被配置为处理一个或多个事务，使得客户不需要等待在队列中。大厅领导终端还可以包括各种其他功能以便于客户管理。

2. 发明申请

WO2008121835A1 METHOD AND SYSTEM FOR CREDIT SOLUTIONS DELIVERY 审中-公开
标题翻译：信用解决方案交付方法和系统
公开(公告)号：WO2008121835A1
公开(公告)日：2008-10-09
申请号：PCT/US2008/058688
申请日：2008-03-28
申请人： BANK OF AMERICA CORPORATION , BROOKINS, Anupama N. , BUECHE, Rhonda S. , EDWARDS, Dana W. , NEWBOLT, Dana L. , NOBILI, William Anthony , POLLAK, Loriann J.
发明人： BROOKINS, Anupama N. , BUECHE, Rhonda S. , EDWARDS, Dana W. , NEWBOLT, Dana L. , NOBILI, William Anthony , POLLAK, Loriann J.
IPC分类号： G06Q10/00
CPC分类号： G06Q40/02
摘要： Disclosed are methods and systems for a financial institution to offer one or more financial products to a customer. Generally, upon receipt of a triggering event, such as an inquiry by a customer, at least one of an internal and external database concerning the customer is queried, and an algorithmic determination of an optimum selection of financial products to be offered to the customer is made. The financial products are then offered to the customer. The financial products may be, for instance, products such as vehicle loans, home loans, lines of credit, and so forth. Financial products may be selected from a requested category or type of financial product and/or a non-requested category. Various criteria may be employed to determine the optimum selection of financial products to be offered to the customer.
摘要翻译：披露了金融机构向客户提供一种或多种金融产品的方法和系统。通常，在接收到诸如客户的查询的触发事件之后，查询关于客户的内部和外部数据库中的至少一个，并且要向客户提供的金融产品的最佳选择的算法确定是制作。然后将金融产品提供给客户。金融产品可以是例如汽车贷款，住房贷款，信用额度等产品。可以从所请求的类别或类型的金融产品和/或非请求类别中选择金融产品。可以采用各种标准来确定要向客户提供的金融产品的最佳选择。

3. 发明申请

WO2010062832A1 INTEGRATED CURRENCY SCALES 审中-公开
标题翻译：综合货币
公开(公告)号：WO2010062832A1
公开(公告)日：2010-06-03
申请号：PCT/US2009/065285
申请日：2009-11-20
申请人： BANK OF AMERICA CORPORATION , SANDERS, William Thomas , BOHEN, Daniel Christopher , JOHNSON, Shane Anthony , FOLK, Amy Baker
发明人： SANDERS, William Thomas , BOHEN, Daniel Christopher , JOHNSON, Shane Anthony , FOLK, Amy Baker
IPC分类号： G06Q20/00
CPC分类号： G07F19/202 , G06Q20/20 , G07D11/0045 , G07F19/20
摘要： To facilitate the monitoring of currency and coin levels in a point of sale system and other cash handling devices, one or more currency or coin scales may be integrated into the point of sale system or cash handling device. Currency and coin amount information may be transmitted to a back office system or to a financial institution for recognition of the funds. A measurement by the scale may be triggered by a transaction occurring, based on a specified schedule or in an on-demand fashion.
摘要翻译：为了便于在销售点系统和其他现金处理设备上监控货币和硬币水平，可以将一个或多个货币或硬币计量表集成到销售点系统或现金处理装置中。货币和硬币数量信息可以传送到后台系统或金融机构以识别资金。根据规模的测量可以由基于指定时间表或以按需方式发生的交易触发。

4. 发明申请

WO2009052380A1 CONDUCTING FINANCIAL TRANSACTIONS 审中-公开
标题翻译：进行财务交易
公开(公告)号：WO2009052380A1
公开(公告)日：2009-04-23
申请号：PCT/US2008/080311
申请日：2008-10-17
申请人： BANK OF AMERICA CORPORATION , HILL, Rosemary
发明人： HILL, Rosemary
IPC分类号： G07F7/08 , G06Q20/00
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/20 , G06Q20/227 , G06Q20/32 , G06Q20/3555 , G06Q20/3572 , G06Q20/35785 , G06Q20/367 , G06Q20/3672 , G06Q20/403 , G06Q20/4037 , G06Q20/405 , G06Q40/00 , G07F7/1008
摘要： A payment device such as a debit card may be issued to an individual such as a minor. The debit card may be associated with spending control parameters to prevent overspending and other financial issues. Control parameters may include a weekly maximum that may be spent, approved transaction types (e.g., deposits only), authorized transaction entities (e.g., grocery stores, gas stations, etc.). Thus, transaction might only be approved if the transaction qualifies under the set control parameters. An individual may further access a banking interface that allows the individual to view financial education materials, games, savings trackers and the like. A savings tracker may be used to help an individual save money toward a particular goal. In one or more configurations, a parent, guardian or primary account holder may have the ability to modify control settings of the payment device and/or modify the banking interface (e.g., change the options available).
摘要翻译：可以向诸如未成年人的个人发行诸如借记卡的付款设备。借记卡可能与支出控制参数相关联，以防止超支和其他财务问题。控制参数可以包括可以花费的每周最大值，批准的交易类型（例如，仅存款），授权交易实体（例如杂货店，加油站等）。因此，如果交易符合设定的控制参数条件，交易可能只能被批准。个人可以进一步访问允许个人查看金融教育材料，游戏，储蓄追踪者等的银行界面。可以使用储蓄追踪器来帮助个人向特定目标省钱。在一个或多个配置中，父母，监护人或主要账户持有者可以具有修改支付设备的控制设置和/或修改银行接口（例如，改变可用选项）的能力。

5. 发明申请

WO2008154346A2 SYSTEM AND METHOD FOR RISK PRIORITIZATION 审中-公开
标题翻译：风险优化的系统和方法
公开(公告)号：WO2008154346A2
公开(公告)日：2008-12-18
申请号：PCT/US2008/066050
申请日：2008-06-06
申请人： BANK OF AMERICA CORPORATION , SEEL, Graham Stephen , FIRESTONE, Jacob , CHINN, Craig Allan , CLARK, Christina A. , DANEK, Frank S. , WITHEROW, Dee , ROBBINS, Christina M.
发明人： SEEL, Graham Stephen , FIRESTONE, Jacob , CHINN, Craig Allan , CLARK, Christina A. , DANEK, Frank S. , WITHEROW, Dee , ROBBINS, Christina M.
IPC分类号： G06F19/00
CPC分类号： G06Q10/10
摘要： Methods and systems for risk prioritization allow a user or organization to prioritize various risk items using a knowledge base. The knowledge base may be continually updated and/or improved based on newly available historical data (e.g., cost of mitigation, actual effects), new forecasts or predicative analyses (e.g., costs for mitigation), expert community consensus and/or new priority information. As new information is updated in the knowledge base, new and existing risk items may be evaluated and/or re-evaluated to determine a risk priority. Risk priority may be determined based on a remediation cost score as well as a risk score. The prioritization system may further develop recommendations for prioritizing and mitigating a risk item.
摘要翻译：风险优先级的方法和系统允许用户或组织使用知识库对各种风险项进行优先级排序。基于最新可用的历史数据（例如，减缓成本，实际效果），新预测或预测分析（例如减缓成本），专家社区共识和/或新的优先信息，可以不断更新和/或改进知识库。随着知识库中新信息的更新，可以对新的和现有的风险项进行评估和/或重新评估以确定风险优先级。风险优先级可以根据修复成本分数以及风险分数来确定。优先排序系统可以进一步制定优先级和减轻风险项目的建议。

6. 发明申请

WO2009079438A1 METHOD AND SYSTEM FOR PROCESSING FRAUD NOTIFICATIONS 审中-公开
标题翻译：处理通知通知的方法和系统
公开(公告)号：WO2009079438A1
公开(公告)日：2009-06-25
申请号：PCT/US2008/086783
申请日：2008-12-15
申请人： BANK OF AMERICA CORPORATION , STELLHORN, David W. , BUNTON, Brandee L. , ANDERSEN, David , LAUGHTON, Jeffrey Chatfield , MILLER, Emerson D. , MAGUIRE, Lorettajean Cross
发明人： STELLHORN, David W. , BUNTON, Brandee L. , ANDERSEN, David , LAUGHTON, Jeffrey Chatfield , MILLER, Emerson D. , MAGUIRE, Lorettajean Cross
IPC分类号： G06F11/00
CPC分类号： G06Q10/107
摘要： Methods and systems for processing fraud notifications allow an organization to classify, monitor, and shut down fraudulent websites. A system may receive reports of suspicious network sites via electronic mail, and parse such reports in order to obtain one or more attributes (e.g., an address) corresponding to the suspicious network sites. In addition, information related to these suspicious network sites may be stored in a database, and algorithms may be used in order to classify, monitor, and respond to a particular suspicious network site. Before responding to a suspicious network site, such a website may first be classified as legitimate, fraudulent or ignore. If the suspicious network site is classified as legitimate or ignore, further action might not be needed. If, however, the suspicious network site is classified as fraudulent, the fraudulent website may be monitored and further action may be taken.
摘要翻译：用于处理欺诈通知的方法和系统允许组织对欺诈性网站进行分类，监控和关闭。系统可以通过电子邮件接收可疑网络站点的报告，并解析这些报告以便获得与可疑网络站点相对应的一个或多个属性（例如，地址）。此外，与这些可疑网站相关的信息可以存储在数据库中，并且可以使用算法来对特定的可疑网站进行分类，监视和响应。在回应可疑网站之前，此类网站可能首先被归类为合法，欺诈或忽略。如果可疑网站被分类为合法或忽略，则可能不需要进一步的操作。然而，如果可疑网站被分类为欺诈性网站，则可能会监控欺诈性网站，并可采取进一步行动。

7. 发明申请

WO2008150971A1 DATA CONVERSION ENVIRONMENT 审中-公开
标题翻译：数据转换环境
公开(公告)号：WO2008150971A1
公开(公告)日：2008-12-11
申请号：PCT/US2008/065244
申请日：2008-05-30
申请人： BANK OF AMERICA CORPORATION , WALL, Phil , DIX, Scott Matthew
发明人： WALL, Phil , DIX, Scott Matthew
IPC分类号： G06F17/30
CPC分类号： G06F17/30569
摘要： Converting data from a first format to a second format may be used to merge two databases having different formatting. Conversion maps may be defined for pairs of formats and may be used to convert data between the pair of formats. Data may further be transformed from one information type or format into another information type or format. In one example, a first format may allow storage of a social security number while a second format might not. Thus, a social security number stored in the first format may be converted to an employee number for storage in the second format. Collisions between pieces of data may be detected and managed by generating an identifier for the pieces of data (e.g., data records) and merging the pieces of data into a single piece or portion of data (e.g., a single data record) corresponding to the assigned identifier.
摘要翻译：将数据从第一格式转换为第二格式可以用于合并具有不同格式的两个数据库。转换地图可以用于格式对，并且可以用于在一对格式之间转换数据。数据还可以从一种信息类型或格式转换成另一信息类型或格式。在一个示例中，第一格式可以允许存储社会安全号码，而第二格式可能不存在。因此，以第一格式存储的社会保险号可以被转换为雇员号码以存储在第二格式中。可以通过生成数据片段的标识符（例如，数据记录）来检测和管理数据之间的冲突，并将数据片段合并成对应于数据的单个或部分数据（例如，单个数据记录）分配的标识符。

8. 发明申请

WO2023034663A1 SHARING VIRTUAL ENVIRONMENT DATA 审中-公开
公开(公告)号：WO2023034663A1
公开(公告)日：2023-03-09
申请号：PCT/US2022/074097
申请日：2022-07-25
申请人： CITRIX SYSTEMS, INC.
发明人： HARSHITH, Katta Rajasekhar Sreenivas
IPC分类号： H04L67/08 , G06F9/451 , G06F9/455 , G06F16/176 , G06F16/188 , G06F21/62 , H04L67/10 , H04L67/06 , H04L9/40 , H04L67/141
摘要： A virtual environment (e.g., a virtual desktop or virtual application) may be configured to provide an option to share data that exists within the virtual environment. Upon selecting the option, a device that implements the virtual environment (e.g., a virtualization server) may send a sharing command to a client device that is accessing the virtual environment. The client device may receive the sharing command and detect one or more sharing mechanisms available via the client device (e.g., installed applications with a functionality for sharing data). The client device may then provide a list of sharing mechanisms to a user and receive a user selection of a sharing mechanism. The client device may then share the data with another device using the sharing mechanism selected by the user.

9. 发明申请

WO2009064988A3 DETERMINING LEASE QUALITY 审中-公开
公开(公告)号：WO2009064988A3
公开(公告)日：2009-05-22
申请号：PCT/US2008/083562
申请日：2008-11-14
申请人： BANK OF AMERICA CORPORATION , BECKER, Robert, G. , VOLZ, Guy, H. , MAU, David, Gordon
发明人： BECKER, Robert, G. , VOLZ, Guy, H. , MAU, David, Gordon
IPC分类号： G06Q10/00
摘要： Leases and other types of agreements may be evaluated based on factors including time to delivery, cost of the agreement and/or quality of agreement. According to one or more aspects, the quality of an agreement may be judged based on the rights and/or provisions obtained in the lease. In one example, points may be awarded for each category (e.g., time, cost and/or quality) based on goals that are met. The points may be totaled and combined to form a composite lease quality score or index. A commission for a partner entity procuring the lease may be determined based on the composite lease quality score or index. For example, if the lease quality index is in a median range, the standard or average commission may be awarded. However, if the lease quality index is at least one standard deviation greater than the median, a higher commission may be awarded.

10. 发明申请

WO2008094998A2 SYSTEM AND METHOD FOR PROCESSING LOANS 审中-公开
标题翻译：用于处理贷款的系统和方法
公开(公告)号：WO2008094998A2
公开(公告)日：2008-08-07
申请号：PCT/US2008/052455
申请日：2008-01-30
申请人： BANK OF AMERICA CORPORATION , CHHEDA, Mayur Dhanji , HELOCK, Thomas Steven , ARCURE, Scott Christopher
发明人： CHHEDA, Mayur Dhanji , HELOCK, Thomas Steven , ARCURE, Scott Christopher
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Loan requests may be automatically processed for approval and fulfillment by a distributed processing system. The processing system receives loan requests and determines whether the loan should be approved and, if needed, request supplemental loan information from vendor systems. The processing system may further perform due diligence, generate closing documents and board loans. Exceptions may be detected and handled manually if necessary; once work on exceptions are complete, the remainder of loan processing may be completed automatically. In some configurations, a loan request or tasks thereof may be transferred from a processing system at a first processing center to a second processing center to continue processing in response to a predefined event. The first and second processing centers may be located in different time zones. Additionally, the processing system may provide a simulation environment for evaluating process models prior to implementation in a live processing environment.
摘要翻译：贷款请求可能会被自动处理，以便通过分布式处理系统进行审批和实现。处理系统接收贷款请求，并确定是否批准贷款，如有需要，可以向供应商系统请求补充贷款信息。处理系统可以进一步执行尽职调查，产生关闭文件和董事会贷款。如有必要，手动检测和处理异常; 一旦完成例外工作，贷款处理的其余部分可以自动完成。在一些配置中，贷款请求或其任务可以从第一处理中心的处理系统传送到第二处理中心，以响应于预定事件继续处理。第一和第二处理中心可以位于不同的时区。此外，处理系统可以提供用于在实时处理环境中实现之前评估过程模型的模拟环境。

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