Sean P O'Connor

US Patent:

8412622, Apr 2, 2013

Filed:

Mar 30, 2009

Appl. No.:

12/414435

Inventors:

Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Shane A. Johnson - Charlotte NC, US
Russell W. Tipper - Boston MA, US
Yicong Li - Lexington MA, US
Sean M. O'Connor - Scituate MA, US
Thomas D. Kelley - Hingham MA, US
Susan S. Thomas - Gastonia NC, US
William F. Borowski - Millbury MA, US
William J. Aheron - Charlotte NC, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Neal G. Wolfson - Lexington MA, US
Jeffrey P. Judd - Boston MA, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of their current credit worthiness and their current ability to save in relation to a budget. In this regard, the financial health indicator is based on a user's credit report score, such as one or more FICO type credit scores and the user's savings as indicated by a budget tracking system. In embodiments of the invention in which the financial health indicator is implemented in conjunction with a budget tracking system, the financial health indicator provides necessary feedback to the user that serves to inform the user as to how they are performing in terms of staying on track to their individual budget allocations. Additionally, in certain embodiments, the provider of the budget tracking system may provide for awards based on achieving a predefined financial health indicator level and/or score.

US Patent:

20020124375, Sep 12, 2002

Filed:

Mar 8, 2001

Appl. No.:

09/802731

Inventors:

Walid Atia - Lexington MA, US
Steven Conover - Chelmsford MA, US
Eric Fitch - Medford MA, US
Sean O'Connor - Wollaston MA, US
Randal Murdza - North Andover MA, US

International Classification:

B23Q017/00
G01M019/00

US Classification:

029/407040, 029/840000, 029/739000

Abstract:

A process for assembling micro-optical systems, such as optoelectronic and/or fiber optic components uses solder self-alignment to achieve a coarse, passive alignment of optical components relative to the optical bench. The fine, final alignment is performed using plastic deformation of the optical components to thereby improve the alignment of the optical components. As a result, the sub-micrometer alignment accuracies are attainable, if required.

US Patent:

20030162003, Aug 28, 2003

Filed:

Mar 19, 2003

Appl. No.:

10/391835

Inventors:

Walid Atia - Lexington MA, US
Steven Conover - Chelmsford MA, US
Eric Fitch - Medford MA, US
Sean O'Connor - Wollaston MA, US
Randal Murdza - North Andover MA, US

Assignee:

Axsun Technologies, Inc. - Billerica MA

International Classification:

B32B003/00

US Classification:

428/209000

Abstract:

A process for assembling micro-optical systems, such as optoelectronic and/or fiber optic components uses solder self-alignment to achieve a coarse, passive alignment of optical components relative to the optical bench. The fine, final alignment is performed using plastic deformation of the optical components to thereby improve the alignment of the optical components. As a result, the sub-micrometer alignment accuracies are attainable, if required.

US Patent:

20100160119, Jun 24, 2010

Filed:

Dec 18, 2009

Appl. No.:

12/642678

Inventors:

Sean T. O'Connor - Redondo Beach CA, US
Michael T. O'Connor - Auburn WA, US

International Classification:

A63B 23/14
A63B 21/015

US Classification:

482 45, 482115

Abstract:

An apparatus comprises: a first cylindrical handle rotatable about a first cylindrical axis; a second cylindrical handle rotatable about a second cylindrical axis disposed such that the first handle and the second handle form an angle of less than 180 degrees; and a resistance adjuster operable to adjust a rotational resistance of the first handle about the first cylindrical axis and the second handle about the second cylindrical axis.

US Patent:

20100241545, Sep 23, 2010

Filed:

Mar 20, 2009

Appl. No.:

12/407842

Inventors:

Sean M. O'Connor - Scituate MA, US
William F. Borowski - Millbury MA, US
Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Thomas D. Kelley - Hingham MA, US
Neal G. Wolfson - Lexington MA, US
Susan S. Thomas - Gastonia NC, US
Russell W. Tipper - Boston MA, US
Jeffrey P. Judd - Boston MA, US
William J. Aheron - Charlotte NC, US
Yicong Li - Lexington MA, US
Shane A. Johnson - Charlotte NC, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

Bank of America - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Apparatus and methods for configuring a master financial account providing comprehensive access to financial services are provided. A master account may be configured for a customer of a financial institution. The master account holder may build a customized array of financial services which may be accessed and managed through the master account. Benefits associated with use of a sub-account may accrue collectively in the master account.

US Patent:

20100241559, Sep 23, 2010

Filed:

Mar 20, 2009

Appl. No.:

12/407831

Inventors:

Sean M. O'Connor - Scituate MA, US
William F. Borowski - Millbury MA, US
Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Thomas D. Kelley - Hingham MA, US
Neal G. Wolfson - Lexington MA, US
Susan S. Thomas - Gastonia NC, US
Russell W. Tipper - Boston MA, US
Jeffrey P. Judd - Boston MA, US
William J. Aheron - Charlottte NC, US
Yicong Li - Lexington MA, US
Shane A. Johnson - Charlotte NC, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

Bank of America - Charlotte NC

International Classification:

G06Q 40/00
G06F 3/048
G06Q 99/00
G06Q 20/00

US Classification:

705 39, 715760, 705 35, 715810

Abstract:

Apparatus and methods for providing an online financial social network service to a user. The method may include storing in a computer information about a financial goal of a first user. The method may additionally include receiving instructions to present a display reflecting the stored financial goal information. The method may also include authenticating a second user to access the first user online financial social network account.

US Patent:

20100241584, Sep 23, 2010

Filed:

Mar 20, 2009

Appl. No.:

12/407874

Inventors:

James P. Kirkman - Acton MA, US
William F. Borowski - Millbury MA, US
Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Thomas D. Kelley - Hingham MA, US
Neal G. Wolfson - Lexington MA, US
Susan S. Thomas - Gastonia NC, US
Russell W. Tipper - Boston MA, US
Jeffrey P. Judd - Boston MA, US
William J. Aheron - Charlotte NC, US
Yicong Li - Lexington MA, US
Shane A. Johnson - Charlotte NC, US
Sean M. O'Connor - Scituate MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

Bank of America - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 36 R

Abstract:

Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax-deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator.

US Patent:

20100250419, Sep 30, 2010

Filed:

Mar 30, 2009

Appl. No.:

12/414428

Inventors:

Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Shane A. Johnson - Charlotte NC, US
Russell W. Tipper - Boston MA, US
Yicong Li - Lexington MA, US
Sean M. O'Connor - Scituate MA, US
Thomas D. Kelley - Hingham MA, US
Susan S. Thomas - Gastonia NC, US
William F. Borowski - Millbury MA, US
William J. Aheron - Charlotte NC, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Neal G. Wolfson - Lexington MA, US
Jeffrey P. Judd - Boston MA, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Systems, methods, and computer program products are provided for a financial institution-implemented budget system that determines and/or recommends a financial institution customer's targeted budget allocation based on current budget allocation, responses to a budget profile questionnaire and/or peer budget allocation data. The budget profile questionnaire is instrumental in understating the spending needs of the customer. Peer budget allocation data takes into account the customer's profile data, such as demographics and the like and allows for the customer to select target budget allocation from amongst national averages or peers in the same residential area.