Angela O Thompson

US Patent:

20170076271, Mar 16, 2017

Filed:

Sep 11, 2015

Appl. No.:

14/851769

Inventors:

- Charlotte NC, US
Cameron Darnell Wadley - Waxhaw NC, US
Katherine Dintenfass - Charlotte NC, US
Angela Fritz Thompson - Matthews NC, US
Damon C. Missouri - Trenton NJ, US
Alexander C. Wittkowski - Charlotte NC, US

International Classification:

G06Q 20/22
G06F 17/30

Abstract:

Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.

US Patent:

20170076366, Mar 16, 2017

Filed:

Sep 11, 2015

Appl. No.:

14/851758

Inventors:

- Charlotte NC, US
Katherine Dintenfass - Charlotte NC, US
Damon C. Missouri - Trenton NJ, US
Alexander C. Wittkowski - Charlotte NC, US
Alicia C. Jones-McFadden - Fort Mill SC, US
Angela Fritz Thompson - Matthews NC, US

International Classification:

G06Q 40/02
G06Q 50/18

Abstract:

Disclosed are systems, computer program products, and computer implemented methods for providing a universal tokenization system for customers of an entity. Embodiments of the invention include associating account information of multiple accounts with tokens that may be used to conduct transactions with the associated accounts. Some embodiments of the invention involve establishing electronic communication links with and between customers of the entity and receiving a request from a first customer to combine a first token associated with the first customer with a different, second token associated with a second customer. Some embodiments include combining the account information of the first and second tokens into a third token that may be used by either or both of the first and second customers for conducting transactions or maintaining accounts. In some embodiments, the system includes a notary system for notarizing any documentation necessary for combining accounts of two or more individuals.

US Patent:

20170076378, Mar 16, 2017

Filed:

Sep 11, 2015

Appl. No.:

14/851750

Inventors:

- Charlotte NC, US
Alexander C. Wittkowski - Charlotte NC, US
Cameron Darnell Wadley - Waxhaw NC, US
Alicia C. Jones-McFadden - Fort Mill SC, US
Angela Fritz Thompson - Matthews NC, US
Damon C. Missouri - Trenton NJ, US

International Classification:

G06Q 40/06

Abstract:

Disclosed herein are systems, methods, and computer program products that predict the occurrence of a life event, such as a marriage, for a first customer, provide a plurality of account management models that the first customer may select from to restructure the assets and accounts of the first customer (and possibly a second customer also involved in the predicted life event) based on the new goals, requirements, and tax implications of the predicted life event. The systems, methods, and computer program products provided herein simplify the process of combining at least some assets and accounts of two customers, or at least restructuring the assets and accounts, to prepare the two customers for collaborative financial planning.

US Patent:

20170076379, Mar 16, 2017

Filed:

Sep 11, 2015

Appl. No.:

14/851765

Inventors:

- Charlotte NC, US
Katherine Dintenfass - Charlotte NC, US
Angela Fritz Thompson - Matthews NC, US
Damon C. Missouri - Trenton NJ, US
Alexander C. Wittkowski - Charlotte NC, US
Alicia C. Jones-McFadden - Fort Mill SC, US

International Classification:

G06Q 40/06
G06Q 50/00

Abstract:

Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.