Content distribution utilizing access parameter data

US8548854B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Craig Sobol · Waxhaw, US
• Ty C. Vaughan · Sammamish, US
• Richard Huw Thomas · Charlotte, US
• Jan Vlcek · Šumperk, CZ
• Sunil Mathur · East Walpole, US
• Jian James Chen · Hockessin, US
• Marcin Pietras · Middletown, US
• Mukesh K. Mittal · San Diego, US
• Richard Louis Knafelz · Charlotte, US

Key dates

• Filing date: May 10, 2011
• Grant date: Oct 1, 2013
• Expiry date: Dec 1, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.