Cecelia G Oakley from Lewisville, NC

Fee Refund Management
view source
US Patent:

20100076873, Mar 25, 2010
Filed:

Sep 22, 2008
Appl. No.:

12/235283
Inventors:

John David Taylor - Huntersville NC, US
Nicholas Edward Vincent - Charlotte NC, US
Kimberly Robin Nelson - Mooresville NC, US
Cecelia Mason Oakley Gray - Lewisville NC, US
Assignee:

WACHOVIA CORPORATION - Charlotte NC
International Classification:

G06Q 40/00
G06Q 10/00
US Classification:

705 30
Abstract:

The innovation relates to a system and/or methodology for the convenient and consistent determination of fee refunds for financial products. The system provides for a fee refund component that determines a proposed fee refund based on a customer's score, and information regarding the financial institution's fee refund policies. The customer scores and fee refund policies are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.

Rate Exception Management Tool
view source
US Patent:

20100076882, Mar 25, 2010
Filed:

Sep 22, 2008
Appl. No.:

12/235267
Inventors:

Brian Patrick Butler - Charlotte NC, US
Kimberly Robin Nelson - Mooresville NC, US
Cecelia Mason Oakley Gray - Lewisville NC, US
Assignee:

WACHOVIA CORPORATION - Charlotte NC
International Classification:

G06Q 40/00
US Classification:

705 35
Abstract:

The innovation relates to a system and/or methodology for the convenient and consistent determination of rate exceptions for banking products. The system provides for a rate exception component that determines one or more proposed exception rates based on a customer's score, and information regarding the competitive banking environment for similar banking products. The customer scores and competitive banking environment data are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.