Patents by Inventor Yanghong Shao

Yanghong Shao has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20170011100
    Abstract: A computing platform may generate requests for log data stored on computing systems and may communicate the requests to the computing systems. The computing platform may receive the log data from the computing systems and may utilize the log data to generate records interrelating different data-access requests indicated by the log data. The computing platform may analyze the records to identify corresponding requests made by a user to multiple different computing systems and may determine an interrelationship between the corresponding requests. The computing platform may generate data comprising a graphical depiction of the multiple different computing systems and the interrelationship between the corresponding requests and may communicate the data to a computing device associated with at least one of the multiple different computing systems.
    Type: Application
    Filed: July 6, 2015
    Publication date: January 12, 2017
    Inventors: Ryan M. Greenway, Seyamak Amin, David Joa, Yanghong Shao, Tim Bendel, Jangaiah Kurva, Dilip Nair, Edward W. Carroll
  • Publication number: 20170011228
    Abstract: A computing platform may generate requests for log data stored on computing systems and may communicate the requests to the computing systems. The computing platform may receive the log data from the computing systems and may utilize the log data to generate records interrelating different data-access requests indicated by the log data. The computing platform may analyze the records to identify corresponding requests made by a user to multiple different computing systems and may determine an interrelationship between the corresponding requests. The computing platform may generate data indicating the multiple different computing systems and the interrelationship between the corresponding requests and may communicate the data to a computing device associated with at least one of the multiple different computing systems.
    Type: Application
    Filed: July 6, 2015
    Publication date: January 12, 2017
    Inventors: Ryan M. Greenway, Seyamak Amin, David Joa, Yanghong Shao, Tim Bendel, Jangaiah Kurva, Dilip Nair, Edward W. Carroll
  • Patent number: 9524397
    Abstract: A computing platform may generate requests for log data stored on computing systems and may communicate the requests to the computing systems. The computing platform may receive the log data from the computing systems and may utilize the log data to generate records interrelating different data-access requests indicated by the log data. The computing platform may analyze the records to identify corresponding requests made by a user to multiple different computing systems and may determine an interrelationship between the corresponding requests. The computing platform may generate data indicating the multiple different computing systems and the interrelationship between the corresponding requests and may communicate the data to a computing device associated with at least one of the multiple different computing systems.
    Type: Grant
    Filed: July 6, 2015
    Date of Patent: December 20, 2016
    Assignee: Bank of America Corporation
    Inventors: Ryan M. Greenway, Seyamak Amin, David Joa, Yanghong Shao, Tim Bendel, Jangaiah Kurva, Dilip Nair, Edward W. Carroll
  • Publication number: 20160180454
    Abstract: In systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions.
    Type: Application
    Filed: February 25, 2016
    Publication date: June 23, 2016
    Inventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Srihari Rao Gatpa, Li Wei, David Neil Joffe, Parul Bajaj
  • Publication number: 20150170168
    Abstract: Aspects of the present disclosure are directed to methods and systems for macroeconomic indication, including electronically selectively mapping a plurality of merchant classification data to sub-sector economic data for payment card transactions classification. The method may electronically receive a plurality of retail sales data based on the payment card transactions classification over a predetermined period of time to define an economic time series dataset; electronically adjust the economic time series dataset based on an autoregressive integrated moving average; and electronically transform the economic time series dataset after the adjusting step by using linear regression to define a predefined time period percentage change in the periodic data.
    Type: Application
    Filed: December 18, 2013
    Publication date: June 18, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Raghuram Neela, Yanghong Shao, Thayer S. Allison, JR., David Joa, Subhajit Mandal
  • Publication number: 20150134511
    Abstract: Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to a withdrawal in excess of account balance. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures.
    Type: Application
    Filed: November 6, 2014
    Publication date: May 14, 2015
    Inventors: Debashis Ghosh, Kurt D. Newman, David Joa, Sundeshna Banerjee, Thayer Allison, Yanghong Shao, Mark V. Krein
  • Publication number: 20150073977
    Abstract: Transaction data is processed using a store number that is associated with a merchant. By analyzing sales of a merchant by store, a financial institution can better assess the financial health of a merchant. The financial institution can subsequently evaluate different value propositions that may be offered to the merchant or a consumer. The store numbers are extracted from the transaction entries so that a performance metric can be determined by store locations of the merchant. Consequently, the financial institution can determine the financial health of the merchant based on individual stores rather than on the total sales of the merchant. Different value propositions can be offered by the financial institution to a merchant or a consumer of the merchant based on an analysis of the transaction data. Transaction data for different merchants and different geographic areas can be compared to identify potential customers for the financial institution.
    Type: Application
    Filed: November 14, 2014
    Publication date: March 12, 2015
    Inventors: Debashis Ghosh, Sreedevi Gummuluri, Sudeshna Banerjee, Yanghong Shao, Kurt Newman, David Joa, Thayer Allison
  • Patent number: 8874674
    Abstract: Systems, methods and computer program products are provided for optimizing social networks. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Pluralities of networking opportunities are identified based on the account data. Furthermore, based on the account data triggers may be detected indicating a user's interest in one or more social networking opportunities. The system then offers the user, based at least partially on the detected trigger, the one or more social networking opportunities.
    Type: Grant
    Filed: June 1, 2012
    Date of Patent: October 28, 2014
    Assignee: Bank of America Corporation
    Inventors: Thayer S Allison, Timothy J. Bendel, David Joa, Yanghong Shao, David Neil Joffe, Naveen G. Yeri
  • Publication number: 20140236794
    Abstract: Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.
    Type: Application
    Filed: April 30, 2014
    Publication date: August 21, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Mark Krein, Debashis Ghosh, Thayer Allison, JR., Kurt Newman, Yanghong Shao, Sudeshna Banerjee, David Joa
  • Patent number: 8805730
    Abstract: Systems and methods for monitoring trigger data quality are provided herein. The systems and methods detect and report whether the current trigger counts are normal or flawed in real time. The systems and methods monitor the triggers to determine the accuracy, completeness, domain of values, and format of the trigger data. In the system and methods, account data associated with the one or more accounts is received and stored in a storage device; the account data is segregated into one or more periods of time; triggers associated with the one or more periods of time are identified based on transactions that occur during the one or more periods of time; a total transaction count for each of the triggers is calculated; and control limits are determined based on the transaction count for each of the triggers.
    Type: Grant
    Filed: June 1, 2012
    Date of Patent: August 12, 2014
    Assignee: Bank of America Corporation
    Inventors: Naveen G. Yeri, Bibhudatta Jena, Arya Kumar Vedabrata, Chandrashekar Katuri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, Jr., Deepak Verma, Yanghong Shao, Parul Bajaj
  • Publication number: 20140164089
    Abstract: A method of one embodiment facilitates the evaluation of reward choices. A plurality of reward parameters are received by an interface, each reward parameter associated with a user account of a user, and the plurality of reward parameters are stored by a memory. The interface receives information associated with a seller. A processor then automatically selects a user account based on the plurality of reward parameters and the information associated with the seller, and the interface communicates information indicating the selected user account.
    Type: Application
    Filed: December 7, 2012
    Publication date: June 12, 2014
    Applicant: Bank of America Corporation
    Inventors: David Joa, Timothy J. Bendel, Yanghong Shao, Thayer S. Allison, JR.
  • Patent number: 8751342
    Abstract: Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.
    Type: Grant
    Filed: January 5, 2010
    Date of Patent: June 10, 2014
    Assignee: Bank of America Corporation
    Inventors: Mark Krein, Debashis Ghosh, Thayer Allison, Kurt Newman, Yanghong Shao, Sudeshna Banerjee, David Joa
  • Patent number: 8688572
    Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event.
    Type: Grant
    Filed: June 1, 2012
    Date of Patent: April 1, 2014
    Assignee: Bank of America Corporation
    Inventors: Yanghong Shao, Bibhudatta Jena, Timothy J Bendel, David Joa, Vikas Mishra, Thayer S Allison, Jr., Deepak Verma, Srihari Rao Gatpa, Naveen G Yeri, Jade Michelle Le Vo-Dinh, Kunal Makin, David Neil Joffe
  • Publication number: 20140058930
    Abstract: Aspects of the disclosure relate to assisting credit account holders during economic hardship. More specifically, aspects of the disclosure relate to systems and methods for providing a rebate of at least a portion of a finance charge applied to a credit account. Unlike certain prior art systems and methods, embodiments disclosed herein may benefit both the credit account holder as well as the financial institution that extends the credit account. In one embodiment, it may be determined that several credit accounts meet a threshold of probability of having a charge-off. In certain embodiments, the number of accounts that receive a rebate may be limited to a certain percentage of credit accounts with a non-zero balance.
    Type: Application
    Filed: November 4, 2013
    Publication date: February 27, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: David Neil Joffe, Erik Stephen Ross, Matthew Rice, Hans Dirk Schumacher, Yanghong Shao, Tracy Elizabeth Marcin, John Scott Bailer
  • Patent number: 8645245
    Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
    Type: Grant
    Filed: July 30, 2010
    Date of Patent: February 4, 2014
    Assignee: Bank of America Corporation
    Inventors: Debashis Ghosh, Yanghong Shao, David Joa, Kurt Newman, Sudeshna Banerjee, Thayer Allison, Arun Pinto, Preston Wesley Ports, III, Mark Krein
  • Patent number: 8645264
    Abstract: Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.
    Type: Grant
    Filed: October 23, 2008
    Date of Patent: February 4, 2014
    Assignee: Bank of America Corporation
    Inventors: Thayer Allison, Robert Caruso, Sudeshna Banerjee, Debashis Ghosh, Kurt Newman, David Joa, Arun Pinto, Yanghong Shao
  • Publication number: 20130325698
    Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event.
    Type: Application
    Filed: June 1, 2012
    Publication date: December 5, 2013
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Yanghong Shao, Bibhudatta Jena, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Srihari Rao Gatpa, Naveen G. Yeri, Jade Michelle Le Vo-Dinh, Kunal Makin, David Neil Joffe
  • Publication number: 20130325716
    Abstract: Systems and methods for increasing transaction depth and account breadth are provided herein. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising a number of transactions occurring during a first period of time and a second trigger group comprising a number of transactions occurring during a second period of time based on the account data are identified based on the account data; the first trigger group and the second trigger group are compared; and an increase in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group.
    Type: Application
    Filed: June 1, 2012
    Publication date: December 5, 2013
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Parul Bajaj, Srihari Rao Gatpa, David Neil Joffe
  • Publication number: 20130325699
    Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial institution. Triggers may be executed to monitor financial account ratios. Offers may be triggered based on the account ratios or changes in the account ratios.
    Type: Application
    Filed: June 1, 2012
    Publication date: December 5, 2013
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Srihari Rao Gatpa, Jade Michelle Le Vo-Dinh, David Neil Joffe
  • Publication number: 20130325679
    Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods develop effective communication routines to aid in trigger delivery. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; patterns of account activity are determined based on the account activity; parameters associated with the patterns of activity are identified; and triggers are formed based on the pattern of account activity and parameters.
    Type: Application
    Filed: June 1, 2012
    Publication date: December 5, 2013
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Naveen G. Yeri, Bibhudatta Jena, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Parul Bajaj, Srihari Rao Gatpa, David Neil Joffe