Bank of America Patent Application #20140229239 – “Face Retirement Tool”

&quot;Computer program code&#x2F;computer-readable instructions for carrying out operations of embodiments of the present invention may be written in an object oriented, scripted or unscripted programming language such as Java, Pearl, Smalltalk, C++ or the like.&quot;<p>Searching for the phrase &quot;java pearl smalltalk&quot; reveals that BoA has been copy-and-pasting the same text into a number of other patent applications without proofreading it.

<a href="http:&#x2F;&#x2F;faceretirement.merrilledge.com&#x2F;" rel="nofollow">http:&#x2F;&#x2F;faceretirement.merrilledge.com&#x2F;</a> &lt;-- you can play with it here.

Title should be changed - this is not a patent, this is a published application.<p>Note the second line of the table of data on the google page:<p><pre><code> &quot;Publication type Application&quot; </code></pre> It could, someday, after being examined, become a patent, but it is not yet a patent.

I remember SEEING this in action on their site. It was VERY quickly taken down. It was absolutely horrible-- a bit scary and felt like nothing more than a gimmick, seemed really unprofessional. Something you would expect to see on Newgrounds long before a world-class banking website.

The background on this: <a href="http:&#x2F;&#x2F;www.dangoldstein.com&#x2F;papers&#x2F;Hershfield_Goldstein_et_al_Increasing_Saving_Behavior_Age_Progressed_Renderings_Future_Self.pdf" rel="nofollow">http:&#x2F;&#x2F;www.dangoldstein.com&#x2F;papers&#x2F;Hershfield_Goldstein_et_a...</a>

IANAL but this screams &quot;business method&quot; patent, i.e. unlikely to get issued: <a href="https:&#x2F;&#x2F;www.google.com&#x2F;search?q=&quot;business+method&quot;+patent" rel="nofollow">https:&#x2F;&#x2F;www.google.com&#x2F;search?q=&quot;business+method&quot;+patent</a><p>aside: IMHO it&#x27;s a great idea!!! hats off, BofA!

I guess John Wick owes some license fees.<p>Who comes up with these descriptions? I can&#x27;t possibly imagine what &quot;face retirement&quot; means, and even after reading the description it&#x27;s not a <i>whole</i> lot clearer.

From purely a product standpoint, this seems like quite a depressing tool.

Title is misleading. It&#x27;s not a patent, rather it&#x27;s a published patent application. But, yeah, it&#x27;s dumb...

Looks like it was launched a few years ago, according to this press release - wonder how it is doing&#x2F;how many images Bank of America has saved of people. <a href="http:&#x2F;&#x2F;newsroom.bankofamerica.com&#x2F;press-release&#x2F;consumer-banking&#x2F;merrill-edge-launches-face-retirement" rel="nofollow">http:&#x2F;&#x2F;newsroom.bankofamerica.com&#x2F;press-release&#x2F;consumer-ban...</a>

This is already a free app on the Android store, I&#x27;ll bet my wage that there are tons in iOS ecosystem as well.<p>are they really filling patents based on the work of these free ad-supported apps&#x27; developers?<p>Seems like thinking to create a troll patent is not even required!

The hard part of long term planing is making it immediate enough to act now... and getting sued over a ridiculous patent seems like a resume builder.

Not actually a patent (at least, not yet). This is a pre-grant publication of a patent <i>application</i>.

So what&#x27;s going to happen to the several dozen &#x27;age my face&#x27; apps on the App Store?

was expecting a nick cage movie sequel ... all i got was this retirement patent.

New Zealand has gotten rid of software patents, seems like a good idea.

I hate this more than these words can convey.