Bank of America Corporation

Ty C Vaughan

Richard Huw Thomas

Craig Sobol

Jian James Chen

Sunil Mathur

Richard Knafelz

Jan Vlcek

Marcin Pietras

Mukesh Mittal

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.

Content distribution utilizing access parameter data

Aspects of the invention include methods and systems for an electronic financial transaction system with a translation system architecture. Aspects of the invention provide translation methods such that the front-end functions (e.g., authentication, presentation, content library, data library, and banking functions) are all performed under one system. These front-end functions are decoupled from their respective bank back office systems. The information from these front-end functions are merged together to form a session profile information. The translation service or module receives this session profile information and translates the session profile information of the transactions in order to complete the transaction for the user.

Electronic financial translation system architecture

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Charlotte, NC, United States of America

Ty C Vaughan