The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 22, 2024
Filed:
Dec. 02, 2022
Bank of America Corporation, Charlotte, NC (US);
Eric Dryer, Charlotte, NC (US);
Pratap Dande, St. Johns, FL (US);
Kevin A. Delson, Woodland Hills, CA (US);
Gilbert Gatchalian, Union, NJ (US);
Lalit Dhawan, Cranbury, NJ (US);
Linda Haddad, Concord, CA (US);
Morgan Allen, Waxhaw, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.