Christopher R Griggs

US Patent:

8407142, Mar 26, 2013

Filed:

Sep 23, 2011

Appl. No.:

13/200454

Inventors:

Christopher R. Griggs - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/10

US Classification:

705 39, 705 35, 705 38

Abstract:

To facilitate management of a universal payment account, it is determined whether a transaction occurs. Transaction information is received from a payment systems module if the transaction occurs, wherein the transaction information comprises a universal payment identifier associated with a universal payment account. A processor determines at least one payment rule based at least in part on the universal payment identifier, and the processor determines a financial account associated with the universal payment account based upon the at least one payment rule. The plurality of financial accounts are associated with the universal payment account and the determined financial account is used to process the transaction. The determined financial account is accessed to facilitate processing of the transaction.

US Patent:

8430308, Apr 30, 2013

Filed:

Sep 19, 2011

Appl. No.:

13/235861

Inventors:

Mark D. Zanzot - Huntersville NC, US
Tony England - Tega Cay SC, US
Christopher R. Griggs - Fort Mill SC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06K 5/00

US Classification:

235380

Abstract:

A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device, communicate wirelessly with a data stripe through a security enabled wireless communications protocol, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.

US Patent:

8616444, Dec 31, 2013

Filed:

Sep 19, 2011

Appl. No.:

13/235811

Inventors:

Mark D. Zanzot - Huntersville NC, US
Tony England - Tega Cay SC, US
Christopher R. Griggs - Fort Mill SC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06K 5/00

US Classification:

235380, 235375, 235449, 455557, 455558

Abstract:

A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device that is communicatively coupled to a data stripe through a wired connection, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.

US Patent:

20090144193, Jun 4, 2009

Filed:

Feb 27, 2008

Appl. No.:

12/038177

Inventors:

Joseph A. Giordano - Waxhaw NC, US
Christopher R. Griggs - Hickory NC, US
Hitesh Bajaj - Charlotte NC, US
Douglas G. Brown - Waxhaw NC, US
Jade M. Vo-Dinh - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.

US Patent:

20100076836, Mar 25, 2010

Filed:

Sep 19, 2008

Appl. No.:

12/234167

Inventors:

Joseph A. Giordano - Charlotte NC, US
Christopher Ryan Griggs - Hickory NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 10/00

US Classification:

705 1438, 705 30, 705 39, 705 16

Abstract:

Embodiments of the invention are directed to a system configured to receive and record product-level and consumer-level information about a plurality of consumer transactions across a plurality of merchants in real-time or near real-time. Product marketers can then access this information for marketing purposes. In one embodiment, product marketers store conditional promotional offers on the system and the system determines, for each consumer transaction that it receives information about, whether the consumer or the transaction satisfies the conditions of one or more promotional offers stored on the system. If the conditions of a promotional offer are satisfied, the system sends the offer to the consumer and/or applies the promotion to the current transaction. In one embodiment, the system is maintained by the bank holding the consumer's account and/or issuing the consumer's credit or debit card involved in the transaction.

US Patent:

20110004547, Jan 6, 2011

Filed:

Sep 13, 2010

Appl. No.:

12/881074

Inventors:

Joseph A. Giordano - Waxhaw NC, US
Christopher R. Griggs - Hickory NC, US
Hitesh Bajaj - Charlotte NC, US
Douglas G. Brown - Waxhaw NC, US
Jade M. Vo-Dinh - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

Embodiments of the invention provide systems and methods for providing a mobile device user with the ability to user their mobile devices to make payments to others without knowing the payment recipient's account number. For example, an embodiment of the includes: (1) receiving a payment request from a mobile phone, such as through a text message, where the payment request includes an alias, and where the alias is not a financial account number; (2) identifying a payment recipient's financial account based at least partially on the alias; and (3) transferring funds to the payment recipient's financial account.

US Patent:

20110004550, Jan 6, 2011

Filed:

Sep 13, 2010

Appl. No.:

12/881080

Inventors:

Joseph A. Giordano - Waxhaw NC, US
Christopher R. Griggs - Hickory NC, US
Hitesh Bajaj - Charlotte NC, US
Douglas G. Brown - Waxhaw NC, US
Jade M. Vo-Dinh - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 40

Abstract:

Embodiments of the invention provide a system and method for on-boarding customers via a viral account opening or account registration process that uses aliases, such as telephone numbers, email addresses, and social networking identifiers, to identify payee accounts. If an alias is received for which a payee account cannot be identified, embodiments of the invention use the alias to contact the payee and request that the payee register an existing account or open a new account.

US Patent:

20110010292, Jan 13, 2011

Filed:

Sep 13, 2010

Appl. No.:

12/881071

Inventors:

Joseph A. Giordano - Waxhaw NC, US
Christopher R. Griggs - Hickory NC, US
Hitesh Bajaj - Charlotte NC, US
Douglas G. Brown - Waxhaw NC, US
Jade M. Vo-Dinh - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

Embodiments of the invention provide a system and method for using aliases, such as mobile telephone numbers, email addresses, and social networking identifications, to identify a payment recipient's account involved in a payment transaction. Some embodiments of the method include: (1) receiving a payment request from a payment sender via a communication from a remote device, where the payment request includes an alias, and where the alias is not an account number; (2) using a processor to identify a payment recipient's financial account based at least partially on the alias; and (3) transferring funds from the payment sender's account to the payment recipient's account. Identifying the payment recipient's financial account based on the alias may include accessing a memory device having a data repository stored therein that maps each of a plurality of aliases back to a financial account number, and then using the data repository in combination with the alias to identify the payment recipient's financial account number.