Judith P Anderson

US Patent:

8412622, Apr 2, 2013

Filed:

Mar 30, 2009

Appl. No.:

12/414435

Inventors:

Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Shane A. Johnson - Charlotte NC, US
Russell W. Tipper - Boston MA, US
Yicong Li - Lexington MA, US
Sean M. O'Connor - Scituate MA, US
Thomas D. Kelley - Hingham MA, US
Susan S. Thomas - Gastonia NC, US
William F. Borowski - Millbury MA, US
William J. Aheron - Charlotte NC, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Neal G. Wolfson - Lexington MA, US
Jeffrey P. Judd - Boston MA, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of their current credit worthiness and their current ability to save in relation to a budget. In this regard, the financial health indicator is based on a user's credit report score, such as one or more FICO type credit scores and the user's savings as indicated by a budget tracking system. In embodiments of the invention in which the financial health indicator is implemented in conjunction with a budget tracking system, the financial health indicator provides necessary feedback to the user that serves to inform the user as to how they are performing in terms of staying on track to their individual budget allocations. Additionally, in certain embodiments, the provider of the budget tracking system may provide for awards based on achieving a predefined financial health indicator level and/or score.

US Patent:

20100241545, Sep 23, 2010

Filed:

Mar 20, 2009

Appl. No.:

12/407842

Inventors:

Sean M. O'Connor - Scituate MA, US
William F. Borowski - Millbury MA, US
Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Thomas D. Kelley - Hingham MA, US
Neal G. Wolfson - Lexington MA, US
Susan S. Thomas - Gastonia NC, US
Russell W. Tipper - Boston MA, US
Jeffrey P. Judd - Boston MA, US
William J. Aheron - Charlotte NC, US
Yicong Li - Lexington MA, US
Shane A. Johnson - Charlotte NC, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

Bank of America - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Apparatus and methods for configuring a master financial account providing comprehensive access to financial services are provided. A master account may be configured for a customer of a financial institution. The master account holder may build a customized array of financial services which may be accessed and managed through the master account. Benefits associated with use of a sub-account may accrue collectively in the master account.

US Patent:

20100241559, Sep 23, 2010

Filed:

Mar 20, 2009

Appl. No.:

12/407831

Inventors:

Sean M. O'Connor - Scituate MA, US
William F. Borowski - Millbury MA, US
Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Thomas D. Kelley - Hingham MA, US
Neal G. Wolfson - Lexington MA, US
Susan S. Thomas - Gastonia NC, US
Russell W. Tipper - Boston MA, US
Jeffrey P. Judd - Boston MA, US
William J. Aheron - Charlottte NC, US
Yicong Li - Lexington MA, US
Shane A. Johnson - Charlotte NC, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

Bank of America - Charlotte NC

International Classification:

G06Q 40/00
G06F 3/048
G06Q 99/00
G06Q 20/00

US Classification:

705 39, 715760, 705 35, 715810

Abstract:

Apparatus and methods for providing an online financial social network service to a user. The method may include storing in a computer information about a financial goal of a first user. The method may additionally include receiving instructions to present a display reflecting the stored financial goal information. The method may also include authenticating a second user to access the first user online financial social network account.

US Patent:

20100250419, Sep 30, 2010

Filed:

Mar 30, 2009

Appl. No.:

12/414428

Inventors:

Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Shane A. Johnson - Charlotte NC, US
Russell W. Tipper - Boston MA, US
Yicong Li - Lexington MA, US
Sean M. O'Connor - Scituate MA, US
Thomas D. Kelley - Hingham MA, US
Susan S. Thomas - Gastonia NC, US
William F. Borowski - Millbury MA, US
William J. Aheron - Charlotte NC, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Neal G. Wolfson - Lexington MA, US
Jeffrey P. Judd - Boston MA, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Systems, methods, and computer program products are provided for a financial institution-implemented budget system that determines and/or recommends a financial institution customer's targeted budget allocation based on current budget allocation, responses to a budget profile questionnaire and/or peer budget allocation data. The budget profile questionnaire is instrumental in understating the spending needs of the customer. Peer budget allocation data takes into account the customer's profile data, such as demographics and the like and allows for the customer to select target budget allocation from amongst national averages or peers in the same residential area.

US Patent:

20100250420, Sep 30, 2010

Filed:

Mar 30, 2009

Appl. No.:

12/414433

Inventors:

Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Shane A. Johnson - Charlotte NC, US
Russell W. Tipper - Boston MA, US
Yicong Li - Lexington MA, US
Sean M. O'Connor - Scituate MA, US
Thomas D. Kelley - Hingham MA, US
Susan S. Thomas - Gastonia NC, US
William F. Borowski - Millbury MA, US
William J. Aheron - Charlotte NC, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Neal G. Wolfson - Lexington MA, US
Jeffrey P. Judd - Boston MA, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Systems, methods, and computer program products are provided for user-configured spending guardrails in a budget tracking system. The use of spending guardrails is instrumental in insuring that the user of the budget tracking system adheres to their assigned budget. By providing for dynamically configurable spending thresholds the user may define, change, suspend or the like spending guardrails as dictated by current circumstances. The configurable nature of the guardrails insures that guardrails are tailored to the needs of the individual user.

US Patent:

20100250421, Sep 30, 2010

Filed:

Mar 30, 2009

Appl. No.:

12/414439

Inventors:

Kazi M. Ariff - Quincy MA, US
Carol A. Smith - Edgartown MA, US
Shane A. Johnson - Charlotte NC, US
Russell W. Tipper - Boston MA, US
Yicong Li - Lexington MA, US
Sean M. O'Connor - Scituate MA, US
Thomas D. Kelley - Hingham MA, US
Susan S. Thomas - Gastonia NC, US
William F. Borowski - Millbury MA, US
William J. Aheron - Charlotte NC, US
Judith M. Anderson - East Walpole MA, US
Steven K. Hayes - Bemus Point NY, US
Neal G. Wolfson - Lexington MA, US
Jeffrey P. Judd - Boston MA, US
James P. Kirkman - Acton MA, US
Jeffrey H. Bierer - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Systems, methods, and computer program products are provided for a dynamic determination of the budget impact on expenditures, such as expenditures, potential expenditures, cost adjustments and the like. Implemented in conjunction with a budget tracking system, the budget impact determiner of the present invention may provide for both short-term budget impact and long-term budget impact. In addition, certain embodiments provide for recognizing recurring expenditures and automatically providing the user with the budget impact of such recurring expenditures.