Hung Q Pham

US Patent:

20150127560, May 7, 2015

Filed:

Nov 5, 2013

Appl. No.:

14/072283

Inventors:

- Charlotte NC, US
Jason N. Alexandrian - Braselton GA, US
Corina Nicole Bacon - Chadds Ford PA, US
David John Butler - Jacksonville FL, US
David W. Crowe - Winston Salem NC, US
Brian J. Dunne - Medford NJ, US
Michael D. Fleischer - Double Oak TX, US
Robert A. Fox - Newark DE, US
Jason Paul Gardner - Murphy TX, US
John J. Gately - New Port Richey FL, US
Oleg Gerasimovich - Tucson AZ, US
David Luke Hallam - Newark DE, US
Ryan Scott Heller - Middletown DE, US
Abigail W. Howard - Fairfax Station VA, US
Sethu Iyer - Kennett Square PA, US
Jessica Long - Middletown DE, US
Hari Madala - Pittsburgh PA, US
Vincent Maximo - Wilmington DE, US
Mohit Mehta - Waxhaw NC, US
Hung Quang Pham - Kennesaw GA, US
Danielle Renee Reiser - Winston Salem NC, US
Andera Schmittgen - Carrollton TX, US
Garith W. Seelig - Smyrna DE, US
Andrew Sheldon - Mountain Top PA, US
Patrick B. Smith - Garland TX, US
Thomas Snyder - Mullica Hill NJ, US
Feng Tang - Palno TX, US
Veera Venkata Vattikuti - Frisco TX, US
David lee Warnick - Rising Sun MD, US
Bridget K. Williams - Wilmington DE, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/02
G06Q 50/18

US Classification:

705309

Abstract:

Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships with an entity. This representation focuses on customer products in arrears that are to be recovered. The invention presents an overarching view of all customer relationships to a representative. This allows the representative to make decision and take appropriate actions immediately based on the entire relationship with the customer when a customer communication is initiated. As such, the invention correlates all of the customer's relationships with a financial institution into one unified representation for a representative to review. The unified representation takes into consideration all of the customer's relationships as well as external factors on the communications and relationships. Thus providing a holistic customer service experience for a customer with accounts in arrears.