Cynthia E Washington

US Patent:

20130212015, Aug 15, 2013

Filed:

Mar 15, 2013

Appl. No.:

13/834046

Inventors:

BANK OF AMERICA CORPORATION - , US
Brent Beecher Allen - Charlotte NC, US
Cynthia Dawn Washington Gilley - Fayetteville GA, US
Andrew William Lester - Mill Valley CA, US
Sheri Marie Tindall - Davidson NC, US
Stephen Joseph Brunhuber - Charlotte NC, US
Joyce Jacobson Reinhart - Benicia CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/10

US Classification:

705 42

Abstract:

In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking account, where the second information indicates that the available balance is not based on the second transaction.

US Patent:

20120078786, Mar 29, 2012

Filed:

Sep 24, 2010

Appl. No.:

12/890362

Inventors:

Jennifer Kendrick Anthony - Charlotte NC, US
Brent Beecher Allen - Charlotte NC, US
Cynthia Dawn Washington Gilley - Fayetteville GA, US
Andrew William Lester - Mill Valley CA, US
Sheri Marie Tindall - Davidson NC, US
Stephen Joseph Brunhuber - Charlotte NC, US
Joyce Jacobson Reinhart - Benicia CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 42

Abstract:

Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit transaction, where the deposit transaction involves a deposit account, and where the deposit transaction includes a total deposit amount; (b) determining, based at least partially on the information associated with the deposit transaction, that a first amount of the total deposit amount is immediately available; (c) determining, based at least partially on the information associated with the deposit transaction, that a second amount of the total deposit amount is not immediately available, (d) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the first amount is immediately available; and (e) posting second information to the online banking account, where the second information indicates that the second amount is not immediately available.

US Patent:

20120078784, Mar 29, 2012

Filed:

Sep 24, 2010

Appl. No.:

12/890352

Inventors:

Jennifer Kendrick Anthony - Charlotte NC, US
Brent Beecher Allen - Charlotte NC, US
Cynthia Dawn Washington Gilley - Fayetteville GA, US
Andrew William Lester - Mill Valley CA, US
Sheri Marie Tindall - Davidson NC, US
Stephen Joseph Brunhuber - Charlotte NC, US
Joyce Jacobson Reinhart - Benicia CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 42

Abstract:

In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking account, where the second information indicates that the available balance is not based on the second transaction.

US Patent:

20120078785, Mar 29, 2012

Filed:

Sep 24, 2010

Appl. No.:

12/890356

Inventors:

Jennifer Kendrick Anthony - Charlotte NC, US
Brent Beecher Allen - Charlotte NC, US
Cynthia Dawn Washington Gilley - Fayetteville GA, US
Andrew William Lester - Mill Valley CA, US
Sheri Marie Tindall - Davidson NC, US
Stephen Joseph Brunhuber - Charlotte NC, US
Joyce Jacobson Reinhart - Benicia CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 42

Abstract:

Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit account; (b) determining, based at least partially on the information associated with the deposit account, an available balance associated with the deposit account; (c) determining, based at least partially on the information associated with the deposit account, a second amount associated with the deposit account; (d) determining, based at least partially on the available balance and the second amount, an estimated balance associated with the deposit account; and (e) posting the estimated balance to an online banking account, where the online banking account is associated with the deposit account.