Bank of America Corporation

Willard H Waldron, Iii

Victoria Lynn Dravneek

James Heddleson

Katherine Dintenfass

Cameron Darnell Wadley

Heather Roseann Dolan

Donald Joseph Cardinal

Graham Marshall Wyllie

Kenneth A Kaye

Russell Kendall

Julie Kisselburg Johnson

Richard McKinnon

Geoffrey Reed Williams

Timothy Mark

Joseph Neil Johansen

Morgan Stewart Allen

Helene Urban Mele

William F Borowski

Darryl C Goebel

Russel Kendall

A target device is configured to communicatively connect to a common network and a mobile device. The mobile device includes a processor operable to determine that the mobile device is not within a proximity distance threshold to the target device as indicated by a lack of connectivity with the target device through a short-range wireless protocol. The processor is further operable to determine that both the mobile device and the target device are connected to the common network at a first time period, wherein the common network is designated as a safe zone for each of the target device and the mobile device. The processor is then operable to determine that at least one of the mobile device and the target device is not connected to the common network at a second time period after the first time period. An alert is produced via the mobile device as a result.

System and method for detecting a distance threshold between a target device and a mobile device has been exceeded

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives available offers for the user from the server, and presents the available offers as virtual objects overlaid with the products in the cart.

Virtual assessments using augmented reality user devices

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene and a camera. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.

Object recognition and analysis using augmented reality user devices

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies a business from an image. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image, performs object recognition on the image to identify the business, and generates a location identifier identifying the business. The virtual assessment engine sends a token with the user identifier and the location identifier to a remote server, receives geolocation notifications for the user from the server, and presents the geolocation notifications as virtual objects overlaid with a real scene.

Geolocation notifications using augmented reality user devices

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.

Aspects of the invention relate to a smart card that includes an OLED display. The smart card may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart card may transmit sensitive data associated with the selected purchasing instrument. The OLED display may allow the smart card to include a customizable face. The OLED display may present video, colors or any suitable text. For example, the OLED display may present a user's credit limit, rewards or spend categories. Such smart cards may be easily re-branded as a result of the smart card not being permanently tied to an embossed number. New sensitive data may be pushed to the smart card and thereby allow it to be used immediately based on the new sensitive data.

Organic light emitting diode ('OLED') universal plastic

A four-pane, two-sided OLED teller window is provided. The teller window may include a first OLED pane, a second OLED pane, a third OLED pane, a fourth OLED pane, a first configurably-opaque layer and a second configurably-opaque layer. The first OLED pane may face a first direction. The third OLED pane may face a second direction. The first direction and the second direction may be substantially opposite directions. The first configurably-opaque layer may be located in between the first OLED pane and the third OLED pane. The second OLED pane may face the first direction. The fourth OLED pane may face the second direction. The second configurably-opaque layer may be located in between the second OLED pane and the fourth OLED pane. The first OLED pane and the second OLED pane may be situated side-by-side. The third OLED pane and the fourth OLED pane may be situation side-by-side.

OLED ('organic light emitting diode') teller windows

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene and a memory storing scenarios for a user. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine identifies a user identifier for the user and executes a scenario for the user. The virtual assessment engine identifies actions performed by the user related to the scenario. The virtual assessment engine sends a token with the user identifier and user action information to a remote server and receives information for the user from the server. The virtual overlay engine presents the information as virtual objects overlaid with the real scene.

Virtual behavior training using augmented reality user devices

Aspects of the invention relate to a smart check that includes an OLED display. The smart check may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart check may transmit sensitive data associated with the selected purchasing instrument. The smart check may receive power when it is inserted into a card reader. Inserting the smart check into the card reader may launch an application stored on the smart check. The smart check may store a value. The value may be converted into a currency associated with a location of the smart check.

Organic light emitting diode ('OLED') travel card

Embodiments of the invention relate to systems, methods, and computer program products for managing electronic communications and, specifically, monitoring electronic communications received from numerous communications sources associated with a user, identifying that certain ones of the communications are priority communications and communicating notice of the priority communications to the user. The priority communication may be identified by user defined criteria, such key words, phrases, key topics, key names and the like; timeframe of the communication; user-defined priority rules; business performance indicators/metrics and the like. Communication of the notice may provide for communicating a priority communication alert to the user or communicating the notice to a network-accessible communication monitoring portal.

Communication monitoring and management system

A method, system, computer program product, or a combination of the foregoing and apparatus for an end-to-end Business Activity Monitoring (BAM) solution for an image send process. Specifically, monitoring metrics related to an image send process for cash letters or other negotiable items from the time that the items are received by the receiving financial institution until the time that the image cash letter is sent to the send partners and ultimately, the paying financial institution. An end-to-end monitoring solution provides real time insight into the health of a process, allowing the financial institution to address issues in advance of customer impact, both within and outside of the financial institution, and facilitate the identification of ongoing improvement opportunities as the process continues to grow and adapt.

End-to end monitoring of a check image send process

Systems, methods, and computer program products provide for monitoring activities related to Automated Clearing House (ACH) processing and, in specific embodiments, monitoring activities related to ACH in processing in shared ACH processing environment in which two or more financial institutions share access to the shared ACH processing platform. The monitoring provides for determining that events associated with a respective monitored ACH processes trigger a respective alarm, generating the alarm messages based on the triggering events and providing for computer network access to results of the monitoring including the one or more alarm messages. As such the present invention provides real-time visibility to process owners regarding the health of their processes. Thereby, allowing the process owners the ability to address processing problems as they occur and mitigate overall risk involved in the processing.

Growing community of inventors

Charlotte, NC, United States of America

Willard H Waldron, Iii