Jian H Chen

US Patent:

8548854, Oct 1, 2013

Filed:

May 10, 2011

Appl. No.:

13/104509

Inventors:

Craig Scott Sobol - Waxhaw NC, US
Ty C. Vaughan - Charlotte NC, US
Richard H. Thomas - Charlotte NC, US
Jan Vlcek - Sammamish WA, US
Sunil Mathur - Hockessin DE, US
Jian James Chen - Newark DE, US
Marcin Pietras - Middletown DE, US
Mukesh Mittal - Bear DE, US
Richard Knafelz - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 30/00

US Classification:

705 1466, 705 1449

Abstract:

Systems and methods for providing content to a user at an account accessing device is described A first user input may be received at a first account processing device. A type of channel between the user and the account accessing device, a temporal parameter associated with the first access, user used financial entity services associated with at least one account of the user and current allowable actions on the first account by the user may be determined. A second user input may be received indicating an action, of the current allowable actions, of the user at the first account accessing device. Content for output to the user upon another occurrence of the user accessing the first account accessing device may be determined. The content may be based upon at least one behavioral characteristic of the user and may be an offer for at least one user unused financial entity service.

US Patent:

20120290355, Nov 15, 2012

Filed:

May 10, 2011

Appl. No.:

13/104564

Inventors:

Craig Scott Sobol - Waxhaw NC, US
Ty C. Vaughan - Charlotte NC, US
Richard H. Thomas - Charlotte NC, US
Jan Vlcek - Sammamish WA, US
Sunil Mathur - Hockessin DE, US
Jian James Chen - Newark DE, US
Marcin Pietras - Middletown DE, US
Mukesh Mittal - Bear DE, US
Richard Knafelz - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 10/00

US Classification:

705 729

Abstract:

Systems and methods for identifying one or more customer behavioral characteristics based on data received from one or more sources is provided. The system and method include receiving customer data from a first source which may include a current access parameter and a plurality of previous access parameters. A pattern may be identified in the current access parameter and previous access parameters. The system and method may include receiving customer data from a second data source different from the first data source. A second current access parameter and second plurality of previous parameters may be received and a pattern may be identified between the second current access parameter and the second previous parameters. The identified patterns may be compiled to identify one or more customer behavioral characteristics.

US Patent:

20180150808, May 31, 2018

Filed:

Nov 28, 2016

Appl. No.:

15/362248

Inventors:

- Charlotte NC, US
Christopher Hope - Tonbridge, GB
Savit A. Pirl - Bolingbrook IL, US
Alex Y. Yang - Woodinville WA, US
David S. Shores - Lincoln RI, US
Robert Laurentius Andela - London, GB
Jian Chen - Charlotte NC, US
Satish Narayan - Charlotte NC, US
Gurpreet Pahwa - Charlotte NC, US
Colin S. Kerr - Chicago IL, US

International Classification:

G06Q 20/10
G06F 17/30

Abstract:

Method and apparatus for transforming data structures into canonical data structures are provided. The methods may include receiving data structures in specific formats and receiving data structures in exceptional formats. The method may include determining the type of format of each of the received data structures. The method may include creating a map for each of the received data structures. The method may include transforming each of the received data structures into a canonical data structure based on the created map. An exceptional data structure map may include a map used for another specific data structure with an overlay of the information exceptional to the exceptional data structure.